HDFC Retirement Fund - Equity Plan Regular-Growth
The fund is rated 2.5 stars. Investment selection within each asset type was a strength, while investment selection within each industry and balance between returns and downside risk provided some support. Above-average fund size of Rs 7,013.69 crore was a minor drawback.
This fund has a good track record with Asset Selection/Timing, a ok track record with Stock Selection/Timing. It is important to note, however, that this fund has a 7013.688 AUM and a 1.88 expense ratio. Considering all these factors, we have rated this fund as 2.5 star.
Our score weighs long-term performance, risk and consistency — not just past returns.
Returns
As of 21 Sep 2026
Risk ratios
As of 31 Aug 2026
Portfolio
As of 31 Aug 2026
Market-cap split
Sector allocation
Holdings (73)
| Holding | % of fund | Value | Shares |
|---|---|---|---|
| ICICI Bank Ltd. | 7.69% | ₹537.98 Cr | 37,00,000 |
| HDFC Bank Ltd. | 6.59% | ₹460.85 Cr | 65,00,000 |
| Reliance Industries Ltd. | 4.74% | ₹332.02 Cr | 26,00,000 |
| Axis Bank Ltd. | 4.46% | ₹312 Cr | 24,00,000 |
| Kotak Mahindra Bank Ltd. | 4.20% | ₹293.58 Cr | 70,00,000 |
| Maruti Suzuki India Ltd. | 3.07% | ₹214.57 Cr | 1,58,387 |
| State Bank of India | 3.03% | ₹212 Cr | 20,00,000 |
| Bharti Airtel Ltd. | 2.59% | ₹181.19 Cr | 10,00,000 |
| Infosys Ltd. | 2.43% | ₹170.07 Cr | 15,00,000 |
| Tata Consultancy Services Ltd. | 2.40% | ₹167.95 Cr | 7,00,000 |
Fund details
a corpus to provide for pension in the form of income to the extent of the redemption value of their holding after the age of 60 years.investment predominantly in equity and equity related instruments
The Scheme seeks to provide long-term capital appreciation / income by investing in a mix of equity and debt instruments to help investors meet their retirement goals.