Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published
NAV history for this scheme.
Risk
Volatility
Sharpe
Sortino
Beta
Alpha
Max fall
R²
This scheme
13.8%
0.04
0.06
0.92
4.71%
-35.7%
89.95
Nifty 100 benchmark
17.1%
0.23
0.32
—
—
-37.0%
—
Risk-free rate 6.5%. Beta, alpha and R² are regressed on the
82 months this scheme and its benchmark share.
Growth of ₹100 since launch
Drawdown from peak (%)
Every one-year period it has lived through
Windows
Worst
Median
Best
Periods that lost money
471
-30.7%
10.8%
83.6%
18%
Every one-year holding period in this scheme's history, not just the last one — the
spread a real investor would have met depending only on when they started.
How it behaves against its benchmark
Up capture
Down capture
Correlation
Tracking error
Information ratio
Treynor
99%
76%
0.95
5.6%
0.76
11.06
Up capture is how much of the benchmark's gain this scheme kept in the months the
benchmark rose; down capture, how much of its fall it took. Below 100 on the down side and above it
on the up side is the combination every fund is trying for and few reach.
Measured over the 82 months this scheme and
Nifty 100 share.
HDFC Retirement Fund - Equity Plan
Regular Plan · Growth Option
Allocation
By asset
Equity
93.58%
Cash & Equivalents
4.91%
ETF Units
0.94%
REITs / InvITs
0.57%
By market cap
Large Cap
126.55%
Mid Cap
21.11%
Small Cap
41.03%
Unclassified
2.05%
Concentration
Number of stocks
72
Top 5 stocks
27.68%
Top 10 stocks
41.20%
Top 20 stocks
58.16%
Lines in the filing
74
Largest holding
7.69%
Largest sector
Banks 26.39%
Effective stocks
38.5
Sectors held
32
Cash
4.91%
Effective stocks is what the concentration works out to: a fund holding
72 names but most of its money in a few
behaves like a fund of 39. Cash includes repo and TREPS, which
every fund parks money in overnight.
Sector split
Banks
26.39%
IT - Software
7.24%
Automobiles
6.76%
Transport Services
5.74%
Petroleum Products
5.63%
Cash & Equivalents
4.91%
Insurance
4.69%
Pharmaceuticals & Biotechnology
4.48%
Construction
3.32%
Healthcare Services
2.89%
Power
2.86%
Consumer Durables
2.86%
Telecom - Services
2.59%
Ferrous Metals
2.11%
Finance
1.97%
Industrial Products
1.44%
Retailing
1.41%
Auto Components
1.33%
Realty
1.27%
Diversified FMCG
1.20%
HDFC Retirement Fund - Equity Plan
Regular Plan · Growth Option · holdings
Top 30 holdings
#
Company
Sector
Shares held
Value ₹ cr
% of fund
1
ICICI Bank Ltd.
Banks
3,700,000
538
7.69%
2
HDFC Bank Ltd.
Banks
6,500,000
461
6.59%
3
TREPS - Tri-party Repo
Unclassified
—
344
4.92%
4
Reliance Industries Ltd.
Petroleum Products
2,600,000
332
4.74%
5
Axis Bank Ltd.
Banks
2,400,000
312
4.46%
6
Kotak Mahindra Bank Limited
Banks
7,000,000
294
4.20%
7
Maruti Suzuki India Limited
Automobiles
158,387
215
3.07%
8
State Bank of India
Banks
2,000,000
212
3.03%
9
Bharti Airtel Ltd.
Telecom - Services
1,000,000
181
2.59%
10
Infosys Limited
IT - Software
1,500,000
170
2.43%
11
Tata Consultancy Services Ltd.
IT - Software
700,000
168
2.40%
12
Larsen and Toubro Ltd.
Construction
400,000
162
2.31%
13
Dr. Lal Path Labs Ltd
Healthcare Services
700,000
135
1.94%
14
HCL Technologies Ltd.
IT - Software
1,000,000
131
1.88%
15
InterGlobe Aviation Ltd.
Transport Services
250,000
131
1.87%
16
Eicher Motors Ltd.
Automobiles
150,000
119
1.70%
17
Power Grid Corporation of India Ltd.
Power
4,500,000
119
1.69%
18
ICICI Lombard General Insurance Co
Insurance
700,000
110
1.57%
19
Eternal Limited
Retailing
3,000,000
98
1.41%
20
Max Financial Services Ltd.
Insurance
600,000
94
1.35%
21
Havells India Ltd.
Consumer Durables
700,000
87
1.24%
22
Alkem Laboratories Ltd.
Pharmaceuticals & Biotechnology
160,000
85
1.22%
23
ITC LIMITED
Diversified FMCG
3,300,000
84
1.20%
24
Jindal Steel Limited.
Ferrous Metals
700,000
84
1.19%
25
NTPC Limited
Power
2,500,000
82
1.17%
26
HDFC Life Insurance Company Limited
Insurance
1,500,000
82
1.16%
27
Divis Laboratories Ltd.
Pharmaceuticals & Biotechnology
80,000
76
1.08%
28
Creditaccess Grameen Limited
Finance
550,000
75
1.07%
29
United Spirits Limited
Beverages
500,000
75
1.06%
30
Delhivery Limited
Transport Services
1,600,000
73
1.04%
HDFC Retirement Fund - Equity Plan
Regular Plan · Growth Option · where the money sits
What the manager did last month
Between the filings of 30 Jun 2026 and 31 Jul 2026.
A position grows because the manager bought or because the price rose; only the share count separates them.
Bought
Sold
New positions
Sold out of
Price move of holdings
₹82 cr
₹30 cr
1
1
+2.78%
Stock
Shares traded
Shares
Price
Value ₹ cr
New position
GSPL Transmission Limited
384,615
entered
—
5.8
Added to
InterGlobe Aviation Ltd.
55,564
+28.6%
-3.7%
28.7
ICICI Lombard General Insurance Co
100,000
+16.7%
-6.8%
16.2
Reliance Industries Ltd.
100,000
+4.0%
+1.1%
13.1
Hyundai Motor India Limited
50,000
+20.0%
+14.4%
10.9
HDFC Bank Ltd.
100,000
+1.6%
-6.2%
7.5
HDFC Life Insurance Company Limited
100,000
+7.1%
-4.8%
5.5
Trimmed
Bajaj Auto Limited
15,000
-20.0%
+18.6%
17.3
Lupin Ltd.
50,000
-18.2%
-0.2%
12.1
The Anup Engineering Limited
3,765
-2.3%
-6.8%
0.8
Sold out of
Nilkamal Ltd.
33,637
exited
—
4.2
Not equity
Previous filing
This filing
Change
Cash, repo and TREPS
₹0 cr
₹0 cr
+₹0 cr
The list above is stocks and fund units. Treasury bills, repo and money-market
lines roll over every month by design — they are not decisions, so they are totalled here rather
than listed as activity.
A ₹10,000 monthly SIP over five years
Invested
Value
Gain
XIRR
₹600,000
₹733,790
₹133,790
7.99%
XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has
been invested for a different length of time.
Not investment advice. InvestVerdict is not a SEBI-registered Investment Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the
portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past
returns do not predict future ones. Generated 27 Sep 2026.
