HDFC Retirement Equity

All Cap

Hybrid

India Debt Medium Duration

Others

Emotionally driven

Investor Profile

4–7 yearsInvestment Horizon

HNI, UHNI, Retail Investor, Mass AffluentTarget Segments

SEBI registered equity mutual fund suitable for all investor categoriesRegulatory Fit

Hdfc Retirement Savings Fund - Equity Plan invests mainly in stocks for long-term wealth growth.

What This Strategy Does

HDFC Retirement Equity Regular is an equity fund which captures India's ₹200 trillion consumption and financialization opportunity through a multi-cap portfolio construction, deploying capital across financials, industrials, and technology to achieve broad-based earnings growth.

Performance and Risk Analysis

Historical returns, volatility patterns, and how this fund has performed relative to its benchmark.

Fund Performance

0.0% AnnuallyAlpha

+12.2% vs +9.5% benchmarkSince Inception

+7.8% vs +5.7% benchmark3Y Annualized

+9.5% vs +4.7% benchmark5Y Annualized

HDFC Retirement Equity

Benchmark Index

Benchmark Performance Comparison

HDFC Retirement Savings Fund

NIFTY 50 + FD Returns

Given the product’s limited performance history, the assessment considers the fund house’s track record and the historical performance of comparable strategies managed by the same fund house, which follow similar investment approaches. Such comparisons provide historical context only and do not represent the performance of the new product or indicate its future returns.

Risk Profile

Standard Deviation15.3%

Maximum Drawdown-15.2% | Oct 2024

Sharpe Ratio-0.35

Strategy Details

A closer look at the investment thesis, portfolio construction, and current holdings.

Core Investment Theme

Provides exposure to India's most resilient businesses across market cycles. These market leaders typically reinvest cash flows into sustainable competitive advantages, translating into steady wealth creation without dramatic volatility.

Portfolio Holdings Overview

SectoralAllocation

Financial Services35.77%

Technology8.5%

Services11.49%

Capital Goods18.72%

Utilities3.47%

Consumers14.67%

Energy & Infra7.37%

Geographic Allocation

Domestic100%

Top Stock Holdings

CompanySectorAllocation

ICICI Bank LtdFinancial Services7.69%

HDFC Bank LtdFinancial Services6.59%

Treps - Tri-Party RepoUtilities4.92%

Reliance Industries LtdEnergy & Infra4.74%

Axis Bank LtdFinancial Services4.46%

Kotak Mahindra Bank LtdFinancial Services4.20%

Maruti Suzuki India LtdConsumers3.07%

State Bank of IndiaFinancial Services3.03%

Bharti Airtel LtdServices2.59%

Infosys LtdTechnology2.43%

Fund House Management

The asset management company’s track record, AUM scale, and fund manager credentials.

Fund Manager Track Record

Anupam Joshi

Lead Portfolio Manager

Mr. Anupam Joshi has experience of 30 years. Manages 97 funds at HDFC Asset Management Co Ltd with an AUM of approximately ₹25,757 Cr Holds a PGDBM degree.

Nandita Menezes

Co-Portfolio Manager

Ms. Nandita Menezes has experience of 2 years. Manages 99 funds at HDFC Asset Management Co Ltd with an AUM of approximately ₹2,56,735 Cr

Gopal Agrawal

Co-Portfolio Manager

Mr. Gopal Agrawal has experience of 21 years. Manages 25 funds at HDFC Asset Management Co Ltd with an AUM of approximately ₹2,15,942 Cr Holds a MBM degree.

Chirag Setalvad

Co-Portfolio Manager

Mr. Chirag Setalvad has experience of 27 years. Manages 26 funds at HDFC Asset Management Co Ltd with an AUM of approximately ₹94,069 Cr Holds a B.Sc degree.

Arun Agarwal

Co-Portfolio Manager

Mr. Arun Agarwal has experience of 29 years. Manages 127 funds at HDFC Asset Management Co Ltd with an AUM of approximately ₹2,56,735 Cr Holds a B.Com degree.

Nandita Menezes

Co-Portfolio Manager

Ms. Nandita Menezes has experience of 2 years. Manages 99 funds at HDFC Asset Management Co Ltd with an AUM of approximately ₹2,56,735 Cr

Gopal Agrawal

Co-Portfolio Manager

Mr. Gopal Agrawal has experience of 21 years. Manages 25 funds at HDFC Asset Management Co Ltd with an AUM of approximately ₹2,15,942 Cr Holds a MBM degree.

Chirag Setalvad

Co-Portfolio Manager

Mr. Chirag Setalvad has experience of 27 years. Manages 26 funds at HDFC Asset Management Co Ltd with an AUM of approximately ₹94,069 Cr Holds a B.Sc degree.

Arun Agarwal

Co-Portfolio Manager

Mr. Arun Agarwal has experience of 29 years. Manages 127 funds at HDFC Asset Management Co Ltd with an AUM of approximately ₹2,56,735 Cr Holds a B.Com degree.

CW Expert Take

HDFC AMC brings institutional rigour to focussed investing. Their strength lies in process consistency, whether managing large-cap equity or credit strategies, they maintain disciplined frameworks that have weathered multiple market cycles. The fund house benefits from deep research capabilities and a stable investment team that translates macro insights into portfolio positioning.

107 years

Combined Team Experience

₹ 8,49,238 Cr

Assets Under Management

Firm Overview

AMCHDFC Asset Management Co Ltd

Investment Professionals49+

Global Offices250 Cities

Operational & Regulatory Details

What it costs to invest, transaction mechanics, and regulatory disclosures you should know.

Costs and Fees

Total Expense Ratio (TER)1.78%

Regulatory & Tax Information

INF179KB1MG8

ISIN

DailyDealing Frequency

LTCG | >1Year 12.5%% on gain above 1.25 Lakh

STCG | <1Year 20%%

Tax Implications (India)