HDFC Retirement Fund - Equity Plan Direct-Growth
Equity: Flexi Cap - Growth (Open ended)
SEBI Riskometer: Very HighCategory: Equity: Flexi CapBenchmark: NIFTY 500 Total Return IndexCheck Portfolio Overlap →
NAV: ₹52.7-0.79%
23 Oct 2026
Rolling Returns Analysis
Rolling annualized returns of HDFC Retirement Fund - Equity Plan Direct-Growth across 1Y, 3Y and 5Y windows — average, best, worst returns and percentage of positive return periods.
| Metric | 1 Yr Rolling Returns | 3 Yr Rolling Returns | 5 Yr Rolling Returns | 7 Yr Rolling Returns |
|---|---|---|---|---|
| Analysis period | 07 Mar, 2017 - 23 Oct, 2026 | 14 Mar, 2019 - 23 Oct, 2026 | 25 Mar, 2021 - 23 Oct, 2026 | 05 Apr, 2023 - 23 Oct, 2026 |
| Average returns | 18.97% | 18.71% | 20.27% | 18.70% |
| Standard deviation | 21.42% | 8.69% | 4.88% | 1.08% |
| Best returns | 91.20% 1 year ending on 26 Mar, 2021 | 41.36% 3 years ending on 03 Apr, 2023 | 34.68% 5 years ending on 21 Apr, 2025 | 21.12% 7 years ending on 01 Feb, 2024 |
| Worst returns | -30.71% 1 year ending on 23 Mar, 2020 | -4.39% 3 years ending on 23 Mar, 2020 | 10.98% 5 years ending on 23 Oct, 2026 | 15.23% 7 years ending on 04 Mar, 2025 |
| Period with positive return | 83.02% | 97.81% | 100.00% | 100.00% |
| Period with return > 5% | 73.00% | 91.25% | 100.00% | 100.00% |
| Period with return > 10% | 56.66% | 82.19% | 100.00% | 100.00% |
| Period with return > 15% | 46.29% | 67.73% | 85.45% | 100.00% |
| Beat % Category | 69.50% | 84.11% | 100.00% | 100.00% |
| Beat % Benchmark | 70.43% | 81.60% | 99.49% | 100.00% |
Trailing Returns
Point-to-point returns of HDFC Retirement Fund - Equity Plan Direct-Growth vs category average for YTD, 1M, 6M, 1Y, 3Y, 5Y and 10Y periods — with category rank and total funds count.
-10%
-5%
0%
5%
10%
-10.6%
-6.0%
-9.5%
YTD
-4.0%
-7.0%
-6.5%
1 M
-4.8%
-3.1%
-5.4%
6 M
-10.4%
-6.2%
-9.0%
1 Y
8.7%
10.6%
9.3%
3 Y
10.6%
9.1%
7.9%
5 Y
14.3%
12.6%
12.2%
10 Y
Fund
Equity: Flexi Cap
NIFTY 500 Total Return Index
| Name | YTD | 1 M | 6 M | 1 Y | 3 Y | 5 Y | 10 Y | Since Inception |
|---|---|---|---|---|---|---|---|---|
| Fund | -10.63% | -3.99% | -4.76% | -10.44% | 8.68% | 10.58% | 14.32% | 16.86% |
| Equity: Flexi Cap | -5.99% | -6.99% | -3.08% | -6.22% | 10.64% | 9.07% | 12.59% | - |
| NIFTY 500 Total Return Index | -9.50% | -6.54% | -5.44% | -8.97% | 9.30% | 7.91% | 12.20% | - |
| Rank in category | 62 | 2 | 41 | 61 | 35 | 9 | 3 | - |
| Funds in category | 69 | 76 | 73 | 68 | 50 | 36 | 20 | - |
Period Returns
Calendar-year, quarterly and monthly return history of HDFC Retirement Fund - Equity Plan Direct-Growth. Toggle between bar chart and table view to analyse periodic performance trends.
Historical Performance
Track NAV movement and cumulative returns of HDFC Retirement Fund - Equity Plan Direct-Growth across 1M, 6M, 1Y, 3Y, 5Y and since-inception periods. Compare SIP and lumpsum growth over time.
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Frequently Asked Questions
What are the 1-year returns of HDFC Retirement Fund - Equity Plan Direct-Growth?
HDFC Retirement Fund - Equity Plan Direct-Growth has delivered a 1-year return of -10.44% as of 22 Oct 2026. During the same period, its benchmark NIFTY 500 Total Return Index returned -8.97%. The fund has underperformed its benchmark over this period.
What are the 3-year returns of HDFC Retirement Fund - Equity Plan Direct-Growth?
HDFC Retirement Fund - Equity Plan Direct-Growth has delivered a 3-year CAGR of 8.68% as of 22 Oct 2026. Its benchmark NIFTY 500 Total Return Index returned 9.30% CAGR over the same period. CAGR (Compounded Annual Growth Rate) is the right way to evaluate multi-year mutual fund performance as it smooths out year-to-year volatility.
What are the 5-year returns of HDFC Retirement Fund - Equity Plan Direct-Growth?
HDFC Retirement Fund - Equity Plan Direct-Growth has delivered a 5-year CAGR of 10.58% as of 22 Oct 2026. Its benchmark NIFTY 500 Total Return Index returned 7.91% CAGR over the same period. A 5-year track record is considered a more reliable indicator of fund quality than shorter-term performance, as it captures at least one full market cycle.
What are the returns of HDFC Retirement Fund - Equity Plan Direct-Growth since inception?
Since its launch on 24 Feb 2016, HDFC Retirement Fund - Equity Plan Direct-Growth has delivered a CAGR of 16.86%. Since-inception returns reflect the fund's full history and give the most complete picture of long-term performance.
How has HDFC Retirement Fund - Equity Plan Direct-Growth performed vs its category over the long term?
Over the long term, HDFC Retirement Fund - Equity Plan Direct-Growth has ranked 35 out of 50 funds in the Equity: Flexi Cap category on a 3-year basis, and 9 out of 36 funds on a 5-year basis. Category rank is one of several factors to consider alongside risk metrics and rolling return consistency when evaluating a fund.
What is the Sharpe ratio of HDFC Retirement Fund - Equity Plan Direct-Growth?
The Sharpe ratio of HDFC Retirement Fund - Equity Plan Direct-Growth is 0.24 (as of 22 Oct 2026). The Sharpe ratio measures how much return the fund generates per unit of risk (volatility) taken. A Sharpe ratio above 1.0 is generally considered good — the higher the ratio, the better the risk-adjusted return.
What is the alpha of HDFC Retirement Fund - Equity Plan Direct-Growth?
The 3Y alpha of HDFC Retirement Fund - Equity Plan Direct-Growth is -0.46% (as of 22 Oct 2026). Alpha measures the excess return generated by the fund over and above its benchmark NIFTY 500 Total Return Index, after adjusting for risk. A positive alpha means the fund manager has added value beyond what the market delivered. A negative alpha means the fund has underperformed its benchmark on a risk-adjusted basis.
What is the beta of HDFC Retirement Fund - Equity Plan Direct-Growth?
The beta of HDFC Retirement Fund - Equity Plan Direct-Growth is 0.86 (as of 22 Oct 2026). Beta measures how sensitive the fund is to market movements relative to its benchmark NIFTY 500 Total Return Index. A beta of 1 means the fund moves in line with the market. A beta above 1 means it is more volatile than the market; below 1 means it is less volatile. HDFC Retirement Fund - Equity Plan Direct-Growth's beta of 0.86 indicates it is more defensive than its benchmark.
What are the rolling returns of HDFC Retirement Fund - Equity Plan Direct-Growth?
The average 1-year and 3-year rolling returns of HDFC Retirement Fund - Equity Plan Direct-Growth is 18.97% and 18.71% respectively. Rolling returns show the fund's annualized return across every possible 1-year and 3-year investment window, making them a far more reliable measure of consistency than point-to-point returns, which depend heavily on the start and end date chosen.