HDFC Retirement Fund - Equity Plan - Direct Plan
Get the latest NAV of HDFC Retirement Fund - Equity Plan - Direct Plan. View historical returns compared to its benchmark and category average. Know which stocks and sectors the fund is investing in. Get an estimate of returns from the SIP and lump sum returns calculator. View detailed holding analysis and peer comparison. Get INDmoney ranking of the fund.
₹56.21
1D
NAV as on 27 Aug 2026
17.87%/per year
Since Inception
▲▼
8820 people have invested ₹ 1.7Cr in HDFC Retirement Fund Equity in the last three months
HDFC Retirement Fund Equity Performance vs. Retirement Index
Fund returns vs Benchmark returns vs Category Average returns as on (27-Aug-26)
The fund has outperformed the benchmark (Retirement Index) over 3Y, 5Y, but underperformed over 1Y.
Peer comparison
HDFC Retirement Fund Equity Returns Calculator
Calculate SIP and lumpsum returns based on historical performance
Total Investment
0
Profit
Total Corpus
0
HDFC Retirement Fund Equity Asset Allocation
See fund asset allocation details as on (15-Aug-26)
Fund Distribution
as on (15-Aug-26)
HDFC Retirement Fund Equity Sector Allocation
See fund sector allocation details as on (15-Aug-26)
Sector Allocation
Top 3 Sectors in July were Financial Services, Industrial & Consumer Cyclical
Financial Services
35%
Industrial
14%
Consumer Cyclical
11%
Financial Services
36%
Industrial
14%
Consumer Cyclical
11%
HDFC Retirement Fund Equity Holdings Details
as on (31-Jul-26)
HDFC Retirement Fund Equity Overview
Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.
| Expense ratio | 0.94% |
Benchmark | Nifty 500 TR INR |
| AUM | ₹7014 Cr |
| Inception Date | 25 February, 2016 |
| Min Lumpsum/SIP | ₹100/₹100 |
| Exit Load | 0% |
| Lock In | 5 Years |
TurnOver | 12.89% |
| Risk |   Very High Risk |
About HDFC Retirement Fund Equity
HDFC Retirement Fund - Equity Plan - Direct Plan is a hybrid fund. This fund was started on 25 February, 2016. The fund is managed by Nandita Menezes, Anupam Joshi, Dhruv Muchhal, Srinivasan Ramamurthy, Arun Agarwal. This fund gives you the benefit of diversification.
Key Parameters
- HDFC Retirement Fund Equity has ₹7014 Cr worth of assets under management (AUM) as on Aug 2026 and is more than category average.
- The fund has an expense ratio 0.9.
Returns
HDFC Retirement Fund Equity has given a CAGR return of 17.87% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of -1.10%, 10.84% and 13.75% respectively.
Holdings
HDFC Retirement Fund Equity has allocated its funds majorly in Cash Equivalent, Financial Services, Industrial, Consumer Cyclical, Tech, Health, Energy, Basic Materials, Communication, Utilities, Consumer Defensive, Real Estate.
Taxation
As it is a retirement mutual fund the taxation is as follows:If the fund is equity oriented i.e. asset allocation of more than 65% in equity instruments:For short term (less than a year) capital gains will be taxed at 20%For long term (more than 1 year) capital gains will be taxed at 12.5% without indexation benefitLong term gains up to Rs 1 lakh are exempt from taxation (more than 12 months).
Investment objective of HDFC Retirement Fund Equity
The investment objective of the Scheme is to provide long-term capital appreciation / income by investing in a mix of equity and debt instruments to help investors meet their retirement goals. There is no assurance that the investment objective of the Scheme will be realized.
Minimum Investment and lockin period
Minimum investment for lump sum payment is INR 100.00 and for SIP is INR 100.00. There is a lock in period for HDFC Retirement Fund Equity of 5 Years
Fund Manager
Nandita Menezes
Fund Manager of HDFC Retirement Fund Equity, since 1 April 2025
Anupam Joshi
Fund Manager of HDFC Retirement Fund Equity, since 7 March 2026
Dhruv Muchhal
Fund Manager of HDFC Retirement Fund Equity, since 22 June 2023
Srinivasan Ramamurthy
Fund Manager of HDFC Retirement Fund Equity, since 14 December 2021
Arun Agarwal
Fund Manager of HDFC Retirement Fund Equity, since 1 April 2025
- AUM of the fund stands at 7K Cr as of Jul'26
- AUM increased by 181.5 Cr between Jul'26 and Jun'26
Frequently Asked Questions for HDFC Retirement Fund - Equity Plan - Direct Plan
How do I invest in HDFC Retirement Fund Equity?
- Download the INDmoney app.
- Search for ‘HDFC Retirement Fund Equity’.
- Select whether you want to invest in SIP or lump sum.
- Enter the amount you wish to invest.
- Set up payments via bank mandate or UPI.