COMPARE
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth vs HDFC Retirement Fund - Equity Plan - Growth Option - Direct Plan
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth and HDFC Retirement Fund - Equity Plan are both in the Retirement Fund category, from Aditya Birla Sun Life AMC Limited and HDFC Asset Management Company Limited respectively. HDFC Retirement Fund - Equity Plan has posted a higher 3-year rolling CAGR. HDFC Retirement Fund - Equity Plan has the lower expense ratio. See the full table and FAQ below for the complete real-data comparison.
Basics
HDFC Retirement Fund - Equity Plan has the lower direct-plan expense ratio, by 0.43 percentage points.
| Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth | HDFC Retirement Fund - Equity Plan - Growth Option - Direct Plan | |
|---|---|---|
| Category | Retirement Fund | Retirement Fund |
| AMC | Aditya Birla Sun Life AMC Limited | HDFC Asset Management Company Limited |
| Benchmark | Nifty 500 TRI | Nifty 500 TRI |
| NAV | ₹24.221 (2026-10-28) | ₹53.103 (2026-10-28) |
| AUM | ₹451.063 Cr | ₹6,646.693 Cr |
| Expense Ratio (Direct) | 1.35% | 0.92% |
| Inception | 2019-02-19 | 2016-02-05 |
Returns
HDFC Retirement Fund - Equity Plan leads on 3-year rolling CAGR (19.6% vs Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth's 14.8%) - see the FAQ below for percentile context within each fund's own category.
Risk Metrics
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth has been the more volatile of the two by standard deviation.
| Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth | HDFC Retirement Fund - Equity Plan - Growth Option - Direct Plan | |
|---|---|---|
| 3Y Sharpe Ratio | 0.44 | 0.06 |
| 3Y Alpha | 5.1678% | -0.3281% |
| 3Y Std Deviation | 14.3683% | 12.199% |
| 3Y Calmar Ratio | 0.71 | 0.48 |
Portfolio Analytics
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth carries the higher portfolio P/E ratio (a rougher proxy for how richly the underlying holdings are valued) - see the table below for the full comparison.
| Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth | HDFC Retirement Fund - Equity Plan - Growth Option - Direct Plan | |
|---|---|---|
| P/E Ratio | 29.8704 | 17.8616 |
| P/B Ratio | 6.656 | 10.7745 |
| Dividend Yield | 0.8311% | 1.2763% |
| Active Share | - | 58.24% |
| Portfolio Turnover | 48% | 87% |
| YTM | 6.99% | - |
| Duration (Macaulay) | - | - |
Punji Fund Health Score
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth and HDFC Retirement Fund - Equity Plan carry the same Punji Quality grade.
Frequently asked questions
Which has a higher 3-year return, Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth or HDFC Retirement Fund - Equity Plan?
HDFC Retirement Fund - Equity Plan's 3-year rolling CAGR of 19.6% is higher than Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth's 14.8%. HDFC Retirement Fund - Equity Plan sits in the 93rd percentile of its category on this metric, versus the 70th percentile for Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth - though note both funds may belong to different categories with different medians, so a raw CAGR comparison doesn't account for how each fund performed relative to its own peers. A higher historical return also doesn't necessarily mean lower risk; check the risk metrics below before concluding either fund is the "better" choice.
Which has a lower expense ratio, Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth or HDFC Retirement Fund - Equity Plan?
HDFC Retirement Fund - Equity Plan's direct-plan expense ratio is 0.43 percentage points lower than Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth's. Over long holding periods, a persistent expense-ratio gap compounds into a materially different final corpus even if the two funds' gross returns are similar - it's one of the few fund attributes you can compare with total certainty upfront, unlike future returns, since the fee is contractually fixed rather than a historical estimate.
Which fund carries more risk, Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth or HDFC Retirement Fund - Equity Plan?
By standard deviation (a measure of how much a fund's returns swing around its own average), Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth has been more volatile than HDFC Retirement Fund - Equity Plan over the trailing window. Standard deviation captures total volatility in both directions - up and down - so a higher figure means bigger swings generally, not necessarily bigger losses specifically. Sharpe ratio (0.44 for Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth vs 0.06 for HDFC Retirement Fund - Equity Plan) is a better single measure of risk-adjusted return, since it weighs the return earned per unit of volatility taken rather than volatility alone.
Which has higher AUM, Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth or HDFC Retirement Fund - Equity Plan?
HDFC Retirement Fund - Equity Plan has ₹6,647 Cr in assets under management, versus ₹451 Cr for Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth. A larger AUM generally means deeper liquidity and lower per-unit fixed costs for the AMC to spread across investors, but an AUM that's very large relative to a fund's category and strategy (especially in small/mid cap categories, where the investable universe is smaller) can also make it harder for a manager to enter and exit positions without moving the price - bigger isn't automatically better, especially for less liquid categories.
Which fund has a longer track record, Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth or HDFC Retirement Fund - Equity Plan?
HDFC Retirement Fund - Equity Plan launched on 2016-02-05, making it older than Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth (launched 2019-02-19). A longer track record means more real market cycles (bull runs, corrections, rate cycles) the fund has actually navigated, which is useful context for judging consistency - but it isn't a guarantee of future performance, and a newer fund isn't automatically worse, especially if it's run by an experienced manager or team with a track record at a prior fund.
Data as of 2026-10-29. Source: AMFI disclosures via Punji. Not investment advice.