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HDFC Retirement Savings Fund-Hybrid-Equity Plan

Growth
42.820.36% (+0.15)
Investment Checklist

Returns

Fund's average annual rolling returns over the last three years is compared against the funds from the same category

Fund has been able to generate better returns compared to other funds in the same category

Expense Ratio

Expense Ratio is the fee paid by investors of Mutual Funds. Fund's expense ratio is compared against the expense ratio of other funds in the same category to check if the fund is charging more or less compared to other funds in the same category

Less expense ratio implies better returns over the long term

Return vs FD Rates

If fund's return is lower than the average fixed deposit rates offered by banks, investors are better off investing the amount in a FD

Fund has been able to generate better price return than bank FD

Red Flags

We check for various red flags on fund's portfolio holdings like - ratings for debt securities, pledging of promoter shares in the company, default probabiity of the company, stocks presense in negative lists published by the exchanges etc. Checkout the Holdings section in the Portfolio tab for full list of securties with red flags

Total holdings with red flags is insignificant

HDFC Retirement Savings Fund-Hybrid-Equity Plan

Growth
OtherFlexi Cap Fund
Mid-size FundAssets Under Mgmt: ₹ 1,614 Cr
Very High RiskPrinciple investment will be at very high risk
42.820.36% (+0.15)

Price Chart

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Returns
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1M
6M
1Y
3Y
5Y
Max
SIP
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1M
6M
1Y
3Y
5Y
Max
SIP
Investment Checklist

Returns

Fund's average annual rolling returns over the last three years is compared against the funds from the same category

Fund has been able to generate better returns compared to other funds in the same category

Expense Ratio

Expense Ratio is the fee paid by investors of Mutual Funds. Fund's expense ratio is compared against the expense ratio of other funds in the same category to check if the fund is charging more or less compared to other funds in the same category

Less expense ratio implies better returns over the long term

Return vs FD Rates

If fund's return is lower than the average fixed deposit rates offered by banks, investors are better off investing the amount in a FD

Fund has been able to generate better price return than bank FD

Red Flags

We check for various red flags on fund's portfolio holdings like - ratings for debt securities, pledging of promoter shares in the company, default probabiity of the company, stocks presense in negative lists published by the exchanges etc. Checkout the Holdings section in the Portfolio tab for full list of securties with red flags

Total holdings with red flags is insignificant

OtherFlexi Cap Fund
Mid-size FundAssets Under Mgmt: ₹ 1,614 Cr
Very High RiskPrinciple investment will be at very high risk

Key Metrics

Expense RatioExpense RatioNo LabelNo LabelNo LabelNo Label
0.92—2.36
No LabelNo LabelNo LabelNo LabelNo LabelNo Label
1.2248.632.19

Scheme Info

PlanPlanLock inLock inExit LoadExit Load
Growth5 yrs0.00%
NIL - Upon completion of Lock-in Period
SIP Inv.SIP Inv.Min. LumpsumMin. Lumpsum
Allowed₹ 100
Initial: ₹ 100 Incremental: ₹ 100
BenchmarkBenchmark
NIFTY 50 Hybrid Composite Debt 65:35 Index

About Flexi Cap Fund

Flexi cap funds are equity mutual funds that are not restricted to investing in companies with a predetermined market capitalisation.

Peers & Comparison

Comparing 3 mutual funds from 
OtherFlexi Cap Fund

Returns

Scheme

Ratios

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Mutual Fund1Y Returns1Y Returns3Y CAGR3Y CAGRLife CAGRLife CAGR
HDFC Retirement Savings Fund-Hybrid-Equity Plan28.68%16.33%18.23%
Parag Parikh Flexi Cap Fund36.90%17.40%20.70%
Kotak Flexicap Fund34.70%15.48%17.40%
UTI Flexi Cap Fund27.62%6.62%15.14%

Price Comparison

Compare HDFC Retirement Savings Fund-Hybrid-Equity Plan with any MF, ETF, stock or index
Compare HDFC Retirement Savings Fund-Hybrid-Equity Plan with any MF, ETF, stock or index
HDFC Retirement Savings Fund-Hybrid-Equity Plan
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Asset Allocation

Actual

Target

Dec 2023

Mar 2024

Jun 2024

Sep 2024

ACTUAL
REITs & InvITCorporate DebtGovernment SecuritiesCash & EquivalentsEquity0.85%5.93%9.66%11.10%72.47%

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Tickertape Separator

Sector Distribution

+34 morePharmaceuticalsIT Services & ConsultingG-SecMiscellaneousPrivate Banks49.48 %6.01 %6.90 %9.66 %10.65 %17.30 %

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Tickertape Separator

Sector Weightage

Jun 23Sep 23Dec 23Mar 24Jun 24Sep 2413.04%15.45%16.02%14.77%17.82%17.30%
Private Banks as a % of total holdings for last six quarters
Tickertape Separator

Current Holdings

Equity

Debt

Others

  • Constituent
    Holding Weight
    3M Change
  • HDFC Bank Ltd
    HDFCBANK
    3M change : -0.30 %

    Holdings

    5.90 %

    -0.30 %
  • ICICI Bank Ltd
    ICICIBANK
    3M change : -0.10 %

    Holdings

    5.52 %

    -0.10 %
  • Reliance Industries Ltd
    RELIANCE
    3M change : -0.40 %

    Holdings

    2.74 %

    -0.40 %

AMC Profile

HDFC Asset Management Company, investment manager to HDFC Mutual Fund, is one of the leading AMCs in the country. The company operates as a joint venture between Housing Development Finance Corporation (HDFC) and Standard Life Investments (SLI).

  • No.of Schemes

    82

  • Total AUM

    ₹ 7,54,300.57 Cr.

Fund Manager Profile

Srinivasan Ramamurthy

AUM:  ₹1,24,283.43 Cr.

Sum of AUMs of all funds managed by the fund manager

 | 

Exp: 11yrs

Shobhit Mehrotra

AUM:  ₹43,424.32 Cr.

Sum of AUMs of all funds managed by the fund manager

 | 

Exp: 20yrs

Manager Performance (0)

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Tax Implications

Invested period < 2 years

Gains are added to taxable income and taxed according to the individual’s income tax slab

Invested period > 2 years(Investments before 1st April 2023)

Gains are treated as long-term capital gains and taxed at 12.5%

Invested period > 2 years(Investments from 1st April 2023 redeemed till 31st March 2025)

Gains are added to taxable income and taxed according to the individual’s income tax slab

Invested period > 2 years(Investments from 1st April 2023 redeemed after 31st March 2025)

Gains are treated as long-term capital gains and taxed at 12.5%

Let’s calculate your returns after tax

Investment frequency

Monthly

One Time

Monthly Investment Amt. (₹)

Investment period (years)

CAGR (%)
This CAGR is calculated based on the actual past return given by the fund during the selected investment period. This is the annualised growth rate assuming monthly compounding.
Annual Income
As per the tax implications, in some cases, tax on MF returns depends on your annual income slab

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-
Returns can't be withdrawn/realised during the lock-in period. Tax is only applicable on realised gains.

You make

(unrealised)

Opinions and Fund Reviews

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