Retirement FundHDFC Asset Management Company Limited

HDFC Retirement Fund - Equity Plan - Growth Option - Direct Plan

Benchmark: Nifty 500 TRI · Riskometer: Very High

₹56.235

NAV (2026-08-31)

₹6,997.741 Cr

AUM (2026-08-31)

0.92%

EXPENSE RATIO (DIRECT)

2016-02-05

INCEPTION

CQuality · 64.7/100

DSafety · 45.9/100

BCompound · 72.7/100

Punji Fund Health Score - percentile-within-category. See methodology.

CHART

Rolling CAGR by holding period - min, median, max

Each group is one holding-period length. Full range of outcomes across every overlapping window in the fund's history, not one trailing number.

Min rolling CAGRMedian rolling CAGRMax rolling CAGR

Category RankRisk MetricsHoldingsSimilar FundsPunji Analytics

Metric	Value	Percentile	Category median
3Y Rolling CAGR	19.7%	92.31^th	12.8%
3Y Sharpe Ratio	0.33	40.74^th	0.43
3Y Alpha	-1.4%	11.11^th	0.3%
3Y Std Deviation	12.0%	33.33^th (lower is better)	9.5%

0.3268

0.4662

-1.4435

0.8432

11.9865

-16.1213

85.3211

86.6274

4.5684

Tracking Error (%)

0.6704

Calmar Ratio

3-year window vs. Nifty 500 TRI.

CHART

Top sector holdings

Share of portfolio (% to NAV) in each of the top sectors.

Banks 25.97%IT - Software 7.44%Automobiles 6.81%Transport Services 5.97%Petroleum Products 5.79%Other 5.3%Insurance 4.71%Pharmaceuticals & Biotechnology 4.41%Construction 3.34%Power 3.06%Consumer Durables 3.04%Healthcare Services 2.86%Telecom - Services 2.81%Finance 2.06%Ferrous Metals 2.05%Industrial Products 1.4%Auto Components 1.4%Diversified FMCG 1.32%Retailing 1.29%Realty 1.26%Beverages 1.08%Electrical Equipment 0.85%Personal Products 0.84%Commercial Services & Supplies 0.83%Entertainment 0.81%Cement & Cement Products 0.72%Leisure Services 0.69%Gas 0.53%Fertilizers & Agrochemicals 0.53%Industrial Manufacturing 0.49%Paper, Forest & Jute Products 0.34%

TOP HOLDINGS

ICICI Bank Ltd. (Banks)7.57%

HDFC Bank Ltd.£ (Banks)6.93%

Reliance Industries Ltd. (Petroleum Products)4.85%

TREPS - Tri-party Repo ()4.22%

Axis Bank Ltd. (Banks)4.21%

Kotak Mahindra Bank Limited (Banks)3.9%

Maruti Suzuki India Limited (Automobiles)3.21%

State Bank of India (Banks)2.93%

Bharti Airtel Ltd. (Telecom - Services)2.81%

Infosys Limited (IT - Software)2.58%

Funds that behave most similarly (beta, capture ratios, volatility - not holdings overlap). Pick up to 2 to compare alongside this fund: