Investment type
HDFC Retirement Savings Fund - Equity - Dir (G) is a mutual fund under the Retirement Solutions 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 ₹6,701 Crores. The expense ratio is 0.74%.
This fund generated returns of 3.86% in the last 1 year. Since its inception, it has provided an average annual return of 20.55%.
The fund's investments are mainly concentrated in sectors like Banks, Debt, Automobiles, IT-Software and Transport Services.
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.
These funds have moderate to low risk, as they gradually shift from growth assets to more conservative investments as you near retirement.
Yes, if you’re planning for retirement and want a fund that adjusts its risk based on your age.
Ideally, until retirement, as these funds are designed to grow over a long period and become safer as you get closer to retirement age.
Yes, though early withdrawal could impact the fund’s growth potential and tax benefits.
Expenses can range from 0.5% to 1.5%, depending on the fund’s mix of assets and management.
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