HDFC Retirement Fund - Equity Plan - Direct Plan - Growth

NAVs of 8 Nov 2026

HDFC Mutual Fund · Solution oriented fund · Direct plan · Growth

RetirementDirect · GrowthRisk: Very High

NAV · 6 Nov 2026

₹49.7570 ▲ 1.37%

HDFC Mutual Fund

Fund size₹6,923 crJuly - September 2026

1-month range₹45.85 – 49.76

1 year-2.83%rank 23 of 24

Expense ratio0.91%direct plan, a year

5 years+11.34%a year

What the fund does

The investment objective of the Investment Plans under 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 achieved.

BenchmarkNIFTY 500 Index (Total Returns Index)

Fund houseHDFC Mutual Fund

Fund managersFM 1 - Anupam JoshiFM 2 - Mr. Arun AgarwalFM 3 - Ms. Nandita MenezesFM 4 - Mr.Chirag SetalvadFM 5 - Mr. Gopal Agrawal

NAV history

Returns

1 week

+6.44%avg 4.3%

1 month

+6.75%avg 3.3%

3 months

+0.33%avg -0.6%

6 months

+2.56%avg 2.5%

This year

-3.98%avg 1.4%

1 year

-2.83%avg 2.5% · #23/24

3 years (a year)

+10.16%avg 10.4% · #11/23

5 years (a year)

+11.34%avg 9.5% · #5/21

Bars: this plan; the thin mark is the Retirement average (direct plans, growth option). Over a year: yearly averages (CAGR). Past returns do not guarantee future returns. Information only, not investment advice.

Monthly returns (%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
2024												-0.4
2025	-4.0	-6.5	+6.2	+2.6	+3.6	+2.9	-2.0	-1.7	+0.9	+3.3	+0.5	-0.3
2026	-2.7	+0.0	-11.4	+7.2	-1.6	+2.2	+2.3	-0.4	-5.3	+0.6	+6.4

Each month's change in NAV (the current month to the latest NAV).

What if you had invested?

Amount (₹) Started

Worked out from this plan's actual NAVs. SIP: invested on the first NAV of each month. Taxes and exit loads are not included. Past returns do not guarantee future returns. Information only, not investment advice.

Portfolio as on 30 Sept 2026

Stocks held7175 lines in all

Top 10 stocks40.6%of the fund

Equity93.3%stocks and equity derivatives

Debt & cash6.7%everything else

Where the money is

Equity 93.3%Cash & others 6.7%Short -0.0%

Sectors (stocks held)

Banks

26.4%

IT - Software

6.8%

Automobiles

6.4%

Transport Services

5.8%

Petroleum Products

5.5%

Insurance

4.7%

Pharmaceuticals & Biotechnology

4.6%

Construction

3.3%

Stocks held 71

Holding	Sector / type	% of fund
ICICI Bank Ltd. INE090A01021	Banks	7.36%
HDFC Bank Ltd.£ INE040A01034	Banks	6.93%
Reliance Industries Ltd. INE002A01018	Petroleum Products	4.64%
Axis Bank Ltd. INE238A01034	Banks	4.43%
Kotak Mahindra Bank Limited INE237A01036	Banks	4.39%
State Bank of India INE062A01020	Banks	2.89%
Maruti Suzuki India Limited INE585B01010	Automobiles	2.85%
Bharti Airtel Ltd. INE397D01024	Telecom - Services	2.64%
Larsen and Toubro Ltd. INE018A01030	Construction	2.26%
Infosys Limited INE009A01021	IT - Software	2.24%
Tata Consultancy Services Ltd. INE467B01029	IT - Software	2.16%
Dr. Lal Path Labs Ltd INE600L01024	Healthcare Services	2.09%
InterGlobe Aviation Ltd. INE646L01027	Transport Services	1.88%
HCL Technologies Ltd. INE860A01027	IT - Software	1.85%
Power Grid Corporation of India Ltd. INE752E01010	Power	1.76%
ICICI Lombard General Insurance Co INE765G01017	Insurance	1.68%
Eicher Motors Ltd. INE066A01021	Automobiles	1.61%
Eternal Limited INE758T01015	Retailing	1.44%
ITC LIMITED INE154A01025	Diversified FMCG	1.30%
Alkem Laboratories Ltd. INE540L01014	Pharmaceuticals & Biotechnology	1.24%
Max Financial Services Ltd. INE180A01020	Insurance	1.24%
United Spirits Limited INE854D01024	Beverages	1.22%
NTPC Limited INE733E01010	Power	1.21%
Jindal Steel Limited. INE749A01030	Ferrous Metals	1.20%
HDFC Life Insurance Company Limited INE795G01014	Insurance	1.18%
Divis Laboratories Ltd. INE361B01024	Pharmaceuticals & Biotechnology	1.12%
Havells India Ltd. INE176B01034	Consumer Durables	1.07%
Creditaccess Grameen Limited INE741K01010	Finance	1.05%
Chalet Hotels Ltd. INE427F01016	Leisure Services	1.02%
Delhivery Limited INE148O01028	Transport Services	0.99%
Bajaj Auto Limited INE917I01010	Automobiles	0.98%
Tata Steel Ltd. INE081A01020	Ferrous Metals	0.97%
Apollo Hospitals Enterprise Ltd. INE437A01024	Healthcare Services	0.92%
Hyundai Motor India Limited INE0V6F01027	Automobiles	0.92%
PVR LIMITED INE191H01014	Entertainment	0.92%
Redington Ltd. INE891D01026	Commercial Services & Supplies	0.92%
Hindustan Petroleum Corp. Ltd. INE094A01015	Petroleum Products	0.90%
Transport Corporation of India Ltd. INE688A01022	Transport Services	0.89%
Crisil Limited INE007A01025	Finance	0.87%
Kalpataru Projects International Ltd INE220B01022	Construction	0.83%
Balkrishna Industries Ltd. INE787D01026	Auto Components	0.80%
Voltamp Transformers Ltd. INE540H01012	Electrical Equipment	0.79%
Cipla Ltd. INE059A01026	Pharmaceuticals & Biotechnology	0.76%
Gland Pharma Ltd. INE068V01023	Pharmaceuticals & Biotechnology	0.76%
JSW Dulux Limited INE133A01011	Consumer Durables	0.72%
Blue Dart Express Ltd. INE233B01017	Transport Services	0.70%
Godrej Consumer Products Ltd. INE102D01028	Personal Products	0.70%
Lupin Ltd. INE326A01037	Pharmaceuticals & Biotechnology	0.69%
Prestige Estates Projects Ltd. INE811K01011	Realty	0.67%
GNA Axles Ltd. INE934S01014	Auto Components	0.61%
Star Health and Allied Insurance Company Ltd INE575P01011	Insurance	0.60%
Timken India Ltd. INE325A01013	Industrial Products	0.57%
Gateway Distriparks Limited INE079J01017	Transport Services	0.55%
Chambal Fertilizers & Chemicals Ltd. INE085A01013	Fertilizers & Agrochemicals	0.52%
Zensar Technologies Ltd. INE520A01027	IT - Software	0.51%
VRL Logistics Ltd. INE366I01010	Transport Services	0.48%
SKF India (Industrial) Limited INE2J8701016	Industrial Products	0.47%
Greenply Industries Ltd. INE461C01038	Consumer Durables	0.45%
Equitas Small Finance Bank Ltd INE063P01018	Banks	0.41%
Gujarat Energy Limited INE844O01030	Gas	0.41%
Finolex Industries Ltd. INE183A01024	Industrial Products	0.40%
The Anup Engineering Limited INE294Z01018	Industrial Manufacturing	0.38%
PB Fintech Limited INE417T01026	Financial Technology (Fintech)	0.36%
Tamilnadu Newsprint & Papers Ltd. INE107A01015	Paper, Forest & Jute Products	0.36%
Elevate Campuses Limited INE147X01013	Commercial Services & Supplies	0.34%
Great Eastern Shipping Company Ltd. INE017A01032	Transport Services	0.32%
Bajaj Electricals Ltd. INE193E01025	Consumer Durables	0.29%
Symphony Ltd. INE225D01027	Consumer Durables	0.24%
PNC Infratech Ltd. INE195J01029	Construction	0.16%
Moneyview Limited** INE0PTN01011	Finance	0.15%
GSPL Transmission Limited INE1TUG01013	Gas	0.08%

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Short positions 1

Holding	Sector / type	% of fund
Net Current Assets	–	-0.03%

Debt, money market and cash 3

Holding	Sector / type	% of fund
TREPS - Tri-party Repo	–	5.19%
HDFC NIFTY 50 ETF INF179KC1965	–	0.93%
Embassy Office Parks REIT INE041025011	Realty	0.60%

From the fund house's monthly portfolio (), as on 30 Sept 2026. Percentages are of the fund's net assets. Published about ten days after each month ends.

Risk

Volatility13.1%yearly, from daily NAVs

Worst fall-27.95%31 Jan 2018 → 31 Mar 2020

RiskometerVery HighVery High

Volatility: how much the NAV moves, as a yearly figure (higher = bumpier). Worst fall: the biggest drop from a high, in the NAV history we hold (from 31 May 2016).

Where it can invest (limits from the scheme document)

Equity and Equity related Instruments

80–100%

Debt Securities (including securitised debt) and money market instruments

0–20%

Units issued by InvITs

0–10%

Non-convertible preference shares

0–10%

The ranges the fund is allowed to hold, not what it holds today.

Fund details

Fund size (average AUM, July - September 2026)	₹6,923 cr across all plans · this plan ₹5,486 cr
Fund house	HDFC Mutual Fund
Category	Solution oriented · Retirement
Plan	Direct
Option	Growth
Expense ratio (TER)	Direct 0.91% · Regular 1.87% (4 Nov 2026)
Exit load	Fresh investments by investors including SIP / STP registrations, etc effective June 2, 2018: Exit Load (Upon completion of lock-in period): Nil Existing investments by investors including SIP / STP registrations, etc until June 1, 2018: Exit Load (Upon completion of lock-in period of 5 years) In respect of each purchase/switch-in of units offered under the respective Investment Plan(s) • An Exit Load of 1% is payable if Units are redeemed/ switched-out before completion of 60 years of age • No Exit Load is payable if Units are redeemed / switched-out on or after attainment of 60 years of age.
Minimum investment	₹100 · additional ₹100
Scheme code (AMFI)	136090
ISIN	INF179KB1MG8
NAV date	6 Nov 2026

Scheme details from the fund's scheme summary document filed with AMFI; expense ratios from AMFI's daily filings.

Other plans of this fund

Plan	NAV	1 year
Direct · Growth	₹57.0860	-1.87%

Top Retirement funds (direct plans)

Fund	1 year	3 years (a year)
ICICI Prudential Retirement Fund Pure Equity Plan	+3.85%	+20.62%
ICICI Prudential Retirement Fund Hybrid Aggressive Plan	+3.07%	+17.72%
Aditya Birla Sun Life Retirement Fund-The 30s Plan	+12.87%	+17.54%
Union Retirement Fund	+4.89%	+13.90%
Aditya Birla Sun Life Retirement Fund-The 40s Plan	+3.00%	+12.44%
Nippon India Retirement Fund- Wealth Creation Scheme	-1.13%	+11.85%
HDFC Retirement Fund - Equity Plan	-1.87%	+11.31%
BANDHAN RETIREMENT FUND	+3.13%	+10.98%
HDFC Retirement Fund - Equity Plan	-2.83%	+10.16%

All Retirement funds ranked › · Compare with others ›

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Information only, not investment advice.

What is the NAV of HDFC Retirement Fund - Equity Plan - Direct Plan - Growth today?

₹49.7570 as of 6 Nov 2026, from AMFI's official NAV data.

What are the returns of HDFC Retirement Fund - Equity Plan - Direct Plan - Growth?

1 year: -2.83%, 3 years: 10.16% a year, 5 years: 11.34% a year

How does HDFC Retirement Fund - Equity Plan rank in its category?

23 of 24 Retirement funds (direct plans, growth option) by 1-year return.

What is the difference between direct and regular plans?

Both invest in the same portfolio. Direct plans are bought straight from the fund house and pay no distributor commission, so their expenses are lower and their NAV grows slightly faster.