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HDFC Retirement Savings Fund-Equity Plan

Growth
49.110.24% (-0.12)
Investment Checklist

Returns

Fund's average annual rolling returns over the last three years is compared against the funds from the same category

Fund has been able to generate better returns compared to other funds in the same category

Expense Ratio

Expense Ratio is the fee paid by investors of Mutual Funds. Fund's expense ratio is compared against the expense ratio of other funds in the same category to check if the fund is charging more or less compared to other funds in the same category

Less expense ratio implies better returns over the long term

Return vs FD Rates

If fund's return is lower than the average fixed deposit rates offered by banks, investors are better off investing the amount in a FD

Fund has been able to generate better price return than bank FD

Red Flags

We check for various red flags on fund's portfolio holdings like - ratings for debt securities, pledging of promoter shares in the company, default probabiity of the company, stocks presense in negative lists published by the exchanges etc. Checkout the Holdings section in the Portfolio tab for full list of securties with red flags

Total holdings with red flags is insignificant

OverviewPeersPortfolioFund ManagerOpinions

Asset Allocation

Actual

Target

Jun 2023

Sep 2023

Dec 2023

Mar 2024

ACTUAL
REITs & InvITRightsCash & EquivalentsEquity1.00%1.22%9.26%88.52%

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Tickertape Separator

Sector Distribution

+35 moreConstruction & EngineeringIT Services & ConsultingPharmaceuticalsMiscellaneousPrivate Banks49.38 %4.83 %7.56 %8.61 %9.36 %20.26 %

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Tickertape Separator

Sector Weightage

Dec 22Mar 23Jun 23Sep 23Dec 23Mar 2415.13%15.09%15.21%18.72%21.21%20.26%
Private Banks as a % of total holdings for last six quarters
Tickertape Separator

Current Holdings

Equity

Others

  • Constituent
    Holding Weight
    3M Change
  • ICICI Bank Ltd
    ICICIBANK
    3M change : 0.19 %

    Holdings

    6.79 %

    0.19 %
  • HDFC Bank Ltd
    HDFCBANK
    3M change : -0.82 %

    Holdings

    6.59 %

    -0.82 %
  • Reliance Industries Ltd
    RELIANCE
    3M change : 0.13 %

    Holdings

    3.20 %

    0.13 %
  • State Bank of India
    SBIN
    3M change : 0.18 %

    Holdings

    3.12 %

    0.18 %
  • Infosys Ltd
    INFY
    3M change : -0.40 %

    Holdings

    2.95 %

    -0.40 %
  • Bajaj Auto Ltd
    BAJAJ-AUTO
    3M change : 0.48 %

    Holdings

    2.81 %

    0.48 %
  • Bharti Airtel Ltd
    BHARTIARTL
    3M change : 0.44 %

    Holdings

    2.80 %

    0.44 %
  • Larsen and Toubro Ltd
    LT
    3M change : -0.09 %

    Holdings

    2.67 %

    -0.09 %
  • Axis Bank Ltd
    AXISBANK
    3M change : -0.17 %

    Holdings

    2.60 %

    -0.17 %
  • ITC Ltd
    ITC
    3M change : 0.19 %

    Holdings

    2.31 %

    0.19 %
  • Kotak Mahindra Bank Ltd
    KOTAKBANK
    3M change : 0.04 %

    Holdings

    2.22 %

    0.04 %
  • Cipla Ltd
    CIPLA
    3M change : 0.32 %

    Holdings

    2.17 %

    0.32 %
  • HCL Technologies Ltd
    HCLTECH
    3M change : 0.15 %

    Holdings

    2.16 %

    0.15 %
  • Voltamp Transformers Ltd
    VOLTAMP
    3M change : 0.46 %

    Holdings

    1.81 %

    0.46 %
  • Dr Reddy's Laboratories Ltd
    DRREDDY
    3M change : 0.40 %

    Holdings

    1.72 %

    0.40 %
  • Mahindra and Mahindra Ltd
    M&M
    3M change : 0.01 %

    Holdings

    1.59 %

    0.01 %
  • United Spirits Ltd
    MCDOWELL-N
    3M change : 0.17 %

    Holdings

    1.53 %

    0.17 %
  • Torrent Pharmaceuticals Ltd
    TORNTPHARM
    3M change : 0.03 %

    Holdings

    1.40 %

    0.03 %
  • ICICI Lombard General Insurance Company Ltd
    ICICIGI
    3M change : 0.10 %

    Holdings

    1.39 %

    0.10 %
  • Maruti Suzuki India Ltd
    MARUTI
    3M change : 1.30 %

    Holdings

    1.30 %

    1.30 %
  • Indusind Bank Ltd
    INDUSINDBK
    3M change : 0.01 %

    Holdings

    1.29 %

    0.01 %
  • Max Financial Services Ltd
    MFSL
    3M change : -0.06 %

    Holdings

    1.14 %

    -0.06 %
  • Hindustan Petroleum Corp Ltd
    HINDPETRO
    3M change : 0.04 %

    Holdings

    1.13 %

    0.04 %
  • Godrej Consumer Products Ltd
    GODREJCP
    3M change : 0.10 %

    Holdings

    1.13 %

    0.10 %
  • Oracle Financial Services Software Ltd
    OFSS
    3M change : 0.51 %

    Holdings

    1.09 %

    0.51 %
  • Transport Corporation of India Ltd
    TCI
    3M change : -0.13 %

    Holdings

    1.08 %

    -0.13 %
  • Finolex Cables Ltd
    FINCABLES
    3M change : -0.18 %

    Holdings

    1.04 %

    -0.18 %
  • Aurobindo Pharma Ltd
    AUROPHARMA
    3M change : -0.10 %

    Holdings

    1.01 %

    -0.10 %
  • Nippon Life India Asset Management Ltd
    NAM-INDIA
    3M change : -0.27 %

    Holdings

    0.98 %

    -0.27 %
  • Gland Pharma Ltd
    GLAND
    3M change : -0.01 %

    Holdings

    0.96 %

    -0.01 %
  • Anup Engineering Ltd
    ANUP
    3M change : -0.10 %

    Holdings

    0.95 %

    -0.10 %
  • Gateway Distriparks Ltd
    GATEWAY
    3M change : -0.01 %

    Holdings

    0.93 %

    -0.01 %
  • Power Grid Corporation of India Ltd
    POWERGRID
    3M change : 0.05 %

    Holdings

    0.92 %

    0.05 %
  • PNC Infratech Ltd
    PNCINFRA
    3M change : 0.10 %

    Holdings

    0.91 %

    0.10 %
  • Star Health and Allied Insurance Company Ltd
    STARHEALTH
    3M change : 0.84 %

    Holdings

    0.84 %

    0.84 %
  • CRISIL Ltd
    CRISIL
    3M change : 0.05 %

    Holdings

    0.84 %

    0.05 %
  • Great Eastern Shipping Company Ltd
    GESHIP
    3M change : -0.09 %

    Holdings

    0.83 %

    -0.09 %
  • Carborundum Universal Ltd
    CARBORUNIV
    3M change : 0.02 %

    Holdings

    0.79 %

    0.02 %
  • Equitas Small Finance Bank Ltd
    EQUITASBNK
    3M change : -0.20 %

    Holdings

    0.77 %

    -0.20 %
  • Bharat Electronics Ltd
    BEL
    3M change : -0.51 %

    Holdings

    0.75 %

    -0.51 %
  • Balrampur Chini Mills Ltd
    BALRAMCHIN
    3M change : -0.19 %

    Holdings

    0.75 %

    -0.19 %
  • Firstsource Solutions Ltd
    FSL
    3M change : -0.02 %

    Holdings

    0.74 %

    -0.02 %
  • Indian Hotels Company Ltd
    INDHOTEL
    3M change : -0.07 %

    Holdings

    0.73 %

    -0.07 %
  • Max Healthcare Institute Ltd
    MAXHEALTH
    3M change : -0.06 %

    Holdings

    0.72 %

    -0.06 %
  • Finolex Industries Ltd
    FINPIPE
    3M change : -0.01 %

    Holdings

    0.71 %

    -0.01 %
  • Chambal Fertilisers and Chemicals Ltd
    CHAMBLFERT
    3M change : -0.06 %

    Holdings

    0.71 %

    -0.06 %
  • Bajaj Electricals Ltd
    BAJAJELEC
    3M change : -0.14 %

    Holdings

    0.70 %

    -0.14 %
  • J B Chemicals and Pharmaceuticals Ltd
    JBCHEPHARM
    3M change : 0.20 %

    Holdings

    0.68 %

    0.20 %
  • Sanofi India Ltd
    SANOFI
    3M change : -0.07 %

    Holdings

    0.67 %

    -0.07 %
  • Greenply Industries Ltd
    GREENPLY
    3M change : -0.09 %

    Holdings

    0.67 %

    -0.09 %
  • Bharat Dynamics Ltd
    BDL
    3M change : -0.52 %

    Holdings

    0.65 %

    -0.52 %
  • Mahindra Holidays and Resorts India Ltd
    MHRIL
    3M change : -0.04 %

    Holdings

    0.65 %

    -0.04 %
  • Jindal Steel And Power Ltd
    JINDALSTEL
    3M change : -0.14 %

    Holdings

    0.63 %

    -0.14 %
  • Cyient Ltd
    CYIENT
    3M change : -0.17 %

    Holdings

    0.62 %

    -0.17 %
  • PVR INOX Ltd
    PVRINOX
    3M change : 0.62 %

    Holdings

    0.62 %

    0.62 %
  • Akzo Nobel India Ltd
    AKZOINDIA
    3M change : -0.13 %

    Holdings

    0.62 %

    -0.13 %
  • KEC International Ltd
    KEC
    3M change : 0.04 %

    Holdings

    0.58 %

    0.04 %
  • Symphony Ltd
    SYMPHONY
    3M change : -0.07 %

    Holdings

    0.53 %

    -0.07 %
  • Kalpataru Projects International Ltd
    KPIL
    3M change : 0.14 %

    Holdings

    0.51 %

    0.14 %
  • Tata Steel Ltd
    TATASTEEL
    3M change : 0.01 %

    Holdings

    0.48 %

    0.01 %
  • VRL Logistics Ltd
    VRLLOG
    3M change : -0.26 %

    Holdings

    0.48 %

    -0.26 %
  • GNA Axles Ltd
    GNA
    3M change : -0.09 %

    Holdings

    0.47 %

    -0.09 %
  • Tamilnadu Newsprint & Papers Ltd
    TNPL
    3M change : 0.05 %

    Holdings

    0.47 %

    0.05 %
  • Redington Ltd
    REDINGTON
    3M change : 0.03 %

    Holdings

    0.43 %

    0.03 %
  • Timken India Ltd
    TIMKEN
    3M change : -0.11 %

    Holdings

    0.41 %

    -0.11 %
  • Cholamandalam Investment and Finance Company Ltd
    CHOLAFIN
    3M change : -0.06 %

    Holdings

    0.30 %

    -0.06 %
  • Nilkamal Ltd
    NILKAMAL
    3M change : -0.11 %

    Holdings

    0.25 %

    -0.11 %
  • Bajel Projects Ltd
    BAJEL
    3M change : 0.04 %

    Holdings

    0.15 %

    0.04 %
  • Oriental Carbon & Chemicals Ltd
    OCCL
    3M change : -0.03 %

    Holdings

    0.08 %

    -0.03 %
  • Apar Industries Ltd
    APARINDS
    3M change : -0.41 %

    Holdings

    0.00 %

    -0.41 %
  • Jio Financial Services Ltd
    JIOFIN
    3M change : -0.28 %

    Holdings

    0.00 %

    -0.28 %
  • Zee Entertainment Enterprises Ltd
    ZEEL
    3M change : -0.44 %

    Holdings

    0.00 %

    -0.44 %