Investment type
HDFC Retirement Savings Fund-Hybrid Equity-Dir (G) is a mutual fund under the Balanced category, managed by HDFC Mutual Fund. It was launched on 10 Dec 1999, and has been active for over 26 years. As of 30 Jun 2025 the fund manages assets worth ₹1,673 Crores. The expense ratio is 0.93%.
This fund generated returns of 2.14% in the last 1 year. Since its inception, it has provided an average annual return of 16.83%.
The fund's investments are mainly concentrated in sectors like Debt, Banks, IT-Software, Automobiles and Petroleum Products.
The top five holdings in this fund include prominent companies such as TREPS, HDFC Bank, ICICI Bank, Reliance Industr and Axis Bank.
The Scheme is to generate a corpus to provide for pension to an investor in the form of income to the extent of the redemption value of their holding after the age of 60 years by investing in a mix of securities comprising of equity, equity related instruments and/or Debt/Money Market Instruments.
Balanced funds have moderate risk as they invest in both stocks and bonds, providing a mix of growth and stability.
Yes, if you seek a balanced approach with a mix of growth potential and income.
Medium to long-term holding (3 to 5 years) is recommended to balance growth and income.
Yes, but for steady returns, holding for a few years is best.
Expense ratios typically range from 1% to 1.5%, depending on the fund's mix.
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