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HDFC Retirement Fund - Equity Plan
Flexi CapRank #70
4/5
NAV (2026-09-11)
₹47.74
AUM
₹2,024 Cr
Exp. Ratio: 1.87%
RISK LEVEL
Very High
Returns & Performance
1 Year-5.52%7.63% vs cat avgRank #62
3 Year7.40%2.78% vs cat avgRank #45
5 Year10.93%1.02% vs cat avgRank #10
Since Launch15.97%0.68% vs cat avg
Fund vs Category Average
1Y
-5.52%-7.63%
3Y
7.40%-2.78%
5Y
10.93%+1.02%
Pros & Cons
Pros
✔Above category avg 5Y returns
✔Outperforms category avg since launch
Cons
✖1Y returns trail category average
✖3Y returns below category average
✖Higher expense ratio (1.87%)
✖1Y category rank outside top 15 (#62)
✖Overall rank #70 in category
ISININF179KB1MG8
NAV₹47.74
NAV Date2026-09-11
AUM₹2,024 Cr
Expense Ratio1.87%
RiskVery High
Rating4 / 5
Lock-in Period5 days
Min SIP Amount₹100
Max SIP Amount₹999999999
Min Additional Inv.₹100
SIP AllowedYes
Plan TypeRegular
Plan OptionGrowth
Is NFONo
Fund House Incorp.1999-12-10
INVESTMENT OBJECTIVE
The Scheme seeks to provide long-term capital appreciation / income by investing in a mix of equity and debt instruments to help investors meet their retirement goals.
Exit Load--
Stamp duty on investment0.005% (from July 1st, 2020)
Tax implicationsIf you redeem within one year, your returns will be taxed at 20%. For redemptions after one year, returns exceeding ₹1.25 lakh in a financial year will be taxed at 12.5%.
Gopal Agrawal
Mr.Agrawal is a B.E and MBM.
Prior to joining HDFC Mutual Fund he has worked with DSP Mutual Fund, Tata AMC, Mirae Asset Mutual Fund ,SBI Mutual Fund, Kotak Securities, HDFC Securities, IDBI Capital, UTI Securities and IPCL.
Common questions about this fund, answered from scheme data
The latest Net Asset Value (NAV) of HDFC Retirement Fund - Equity Plan is ₹47.74 as of 2026-09-11.
HDFC Retirement Fund - Equity Plan is classified as a Flexi Cap fund.
HDFC Retirement Fund - Equity Plan is managed by HDFC Mutual Fund.
The Assets Under Management (AUM) of HDFC Retirement Fund - Equity Plan is ₹2,024 Cr.
The expense ratio of HDFC Retirement Fund - Equity Plan is 1.87%.
HDFC Retirement Fund - Equity Plan is managed by Gopal Agrawal.
The minimum SIP investment for HDFC Retirement Fund - Equity Plan is ₹100.
As per the SEBI Riskometer, HDFC Retirement Fund - Equity Plan carries a Very High risk level.
HDFC Retirement Fund - Equity Plan has delivered -5.52% (1Y), 7.4% (3Y) and 10.93% (5Y) annualised returns as of 2026-09-11.
HDFC Retirement Fund - Equity Plan was launched on 1999-12-10.
Open an account with Indiabulls Securities, complete your KYC, and invest via SIP or a one-time lumpsum through our platform.
A Systematic Investment Plan (SIP) lets you invest a fixed amount at regular intervals (e.g., monthly) instead of a single lumpsum.
There is no separate brokerage on mutual fund units. The AMC charges an expense ratio, which is already reflected in the NAV. An exit load may apply if you redeem before the specified period.
Mutual fund NAVs are declared once per business day after market close, in line with SEBI norms.
The FAQs above are generated from data provided by the AMC and are for educational purposes only. They do not constitute financial advice, buy/sell recommendations, or return guarantees. Mutual fund investments are subject to market risks — read all scheme-related documents carefully before investing. Past performance is not indicative of future returns.
