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HDFC Retirement Fund Equity

Mutual fund

Direct · Growth

· AMFI 136094

₹57.81

−1.4%over 1 year

Price of one unit (NAV) on 11 November 2026

NAV went from ₹58.63 on 11 November 2025 to ₹57.81 on 11 November 2026.

Past prices are not a forecast of anything.

Ask about this fund

Overview

Kind of fund
Flexi Cap
Yearly fee
0.92%
Since 30 September 2026
Fund size
₹6,998 crore
Started
25 February 2016
Exit load
None
Compared against
NIFTY 500 TRI
Plan
Direct · Growth
Companies held
70
74 lines in all
Holdings as at
30 August 2026

What does it hold?

Company size

  • Large
  • Mid
  • Small
  • Cash, bonds, abroad
  • HDFC Retirement Fund Equity

Industries

  • Financial33%
  • Industrials12%
  • Technology12%
  • Consumer Discretionary12%
  • Energy & Utilities9%
  • Healthcare7%
  • Materials5%
  • Consumer Staples3%

Top companies

10 of 70 companies · holdings as at 30 August 2026

  1. 1

    ICICI Bank Ltd

    LargeFinancial

    7.7%
  2. 2

    HDFC Bank Ltd

    LargeFinancial

    6.6%
  3. 3

    Reliance Industries Ltd

    LargeEnergy & Utilities

    4.7%
  4. 4

    Axis Bank Ltd

    LargeFinancial

    4.5%
  5. 5

    Kotak Mahindra Bank Ltd

    LargeFinancial

    4.2%
  6. 6

    Maruti Suzuki India Ltd

    LargeConsumer Discretionary

    3.1%
  7. 7

    State Bank of India

    LargeFinancial

    3.0%
  8. 8

    Bharti Airtel Ltd

    LargeTechnology

    2.6%
  9. 9

    Infosys Ltd

    LargeTechnology

    2.4%
  10. 10

    Tata Consultancy Services Ltd

    LargeTechnology

    2.4%
Show all 70
  1. 11

    Larsen & Toubro Ltd

    LargeIndustrials

    2.3%
  2. 12

    Dr. Lal Pathlabs Ltd

    SmallHealthcare

    1.9%
  3. 13

    HCL Technologies Ltd

    LargeTechnology

    1.9%
  4. 14

    Interglobe Aviation Ltd

    LargeIndustrials

    1.9%
  5. 15

    Eicher Motors Ltd

    LargeConsumer Discretionary

    1.7%
  6. 16

    Power Grid Corporation of India Ltd

    LargeEnergy & Utilities

    1.7%
  7. 17

    ICICI Lombard General Insurance Company Ltd

    MidFinancial

    1.6%
  8. 18

    Zomato Ltd

    LargeTechnology

    1.4%
  9. 19

    Max Financial Services Ltd

    MidFinancial

    1.4%
  10. 20

    Havells India Ltd

    MidConsumer Discretionary

    1.2%
  11. 21

    Alkem Laboratories Ltd

    MidHealthcare

    1.2%
  12. 22

    ITC Ltd

    LargeConsumer Staples

    1.2%
  13. 23

    Jindal Steel & Power Ltd

    LargeMaterials

    1.2%
  14. 24

    NTPC Ltd

    LargeEnergy & Utilities

    1.2%
  15. 25

    HDFC Life Insurance Co Ltd

    LargeFinancial

    1.2%
  16. 26

    Divi's Laboratories Ltd

    LargeHealthcare

    1.1%
  17. 27

    CreditAccess Grameen Ltd

    SmallFinancial

    1.1%
  18. 28

    United Spirits Ltd

    MidConsumer Staples

    1.1%
  19. 29

    Delhivery Ltd

    SmallIndustrials

    1.0%
  20. 30

    Bajaj Auto Ltd

    LargeConsumer Discretionary

    1.0%
  21. 31

    Apollo Hospitals Enterprise Ltd

    LargeHealthcare

    0.9%
  22. 32

    Hyundai Motor India Ltd.

    LargeConsumer Discretionary

    0.9%
  23. 33

    Tata Steel Ltd

    LargeMaterials

    0.9%
  24. 34

    Crisil Ltd

    SmallIndustrials

    0.9%
  25. 35

    Hindustan Petroleum Corporation Ltd

    MidEnergy & Utilities

    0.9%
  26. 36

    PVR Ltd

    SmallConsumer Discretionary

    0.9%
  27. 37

    Transport Corporation Of India Ltd

    SmallIndustrials

    0.8%
  28. 38

    Balkrishna Industries Ltd

    MidConsumer Discretionary

    0.8%
  29. 39

    Kalpataru Power Transmission Ltd

    SmallIndustrials

    0.8%
  30. 40

    Chalet Hotels Ltd

    SmallConsumer Discretionary

    0.8%
  31. 41

    Voltamp Transformers Ltd

    SmallIndustrials

    0.8%
  32. 42

    Redington Ltd

    SmallTechnology

    0.8%
  33. 43

    Cipla Ltd

    LargeHealthcare

    0.8%
  34. 44

    Gland Pharma Ltd

    MidHealthcare

    0.7%
  35. 45

    Godrej Consumer Products Ltd

    MidConsumer Staples

    0.7%
  36. 46

    Lupin Ltd

    MidHealthcare

    0.7%
  37. 47

    Prestige Estates Projects Ltd

    MidReal Estate

    0.7%
  38. 48

    Blue Dart Express Ltd

    SmallIndustrials

    0.7%
  39. 49

    The Ramco Cements Ltd

    SmallMaterials

    0.7%
  40. 50

    Akzo Nobel India Ltd

    SmallMaterials

    0.7%
  41. 51

    Star Health & Allied Insurance Co. Ltd

    SmallFinancial

    0.6%
  42. 52

    PB Fintech Ltd

    MidFinancial

    0.6%
  43. 53

    Timken India Ltd

    SmallIndustrials

    0.6%
  44. 54

    Gateway Distriparks Ltd

    SmallIndustrials

    0.5%
  45. 55

    Zensar Technologies Ltd

    SmallTechnology

    0.5%
  46. 56

    GNA Axles Ltd

    SmallConsumer Discretionary

    0.5%
  47. 57

    Chambal Fertilisers & Chemicals Ltd

    SmallMaterials

    0.5%
  48. 58

    VRL Logistics Ltd

    SmallIndustrials

    0.5%
  49. 59

    SKF India (Industrial) Ltd

    SmallIndustrials

    0.5%
  50. 60

    Equitas Small Finance Bank Ltd

    SmallFinancial

    0.4%
  51. 61

    Finolex Industries Ltd

    SmallIndustrials

    0.4%
  52. 62

    Gujarat Gas Ltd

    SmallEnergy & Utilities

    0.4%
  53. 63

    Greenply Industries Ltd

    SmallMaterials

    0.4%
  54. 64

    The Anup Engineering Ltd

    SmallIndustrials

    0.4%
  55. 65

    Tamil Nadu Newsprint & Papers Ltd

    SmallMaterials

    0.3%
  56. 66

    Bajaj Electricals Ltd

    SmallConsumer Discretionary

    0.3%
  57. 67

    The Great Eastern Shipping Company Ltd

    SmallEnergy & Utilities

    0.3%
  58. 68

    Symphony Ltd

    SmallConsumer Discretionary

    0.2%
  59. 69

    PNC Infratech Ltd

    SmallIndustrials

    0.2%
  60. 70

    GSPL Transmission Ltd.

    Energy & Utilities

    0.1%

What does it cost?

0.92% a year: ₹92 on every ₹10,000 you hold.

The middle fee for Flexi Cap direct plans is 0.88%.

Exit load: None

How has it done?

1 year
−1.4%
3 years, per year
+11.2%
5 years, per year
+12.3%

Worst fall so far: −34.9% (Jan 2020 to Mar 2020).

Against other Flexi Cap funds: out of 94 three-year stretches, it finished above the middle Flexi Cap fund in 70.

In Jan–Apr 2020 alone it fell 34.9%; the middle fund fell 36.0%.

Past prices are not a forecast of anything.

Events

  1. 30 August 2026New portfolio published: holdings as at 30 August 2026.
  2. 7 August 2026Fee moved between 0.91% and 0.96% a year (4 changes, 1 Jul – 7 Aug 2026).
  3. 12 June 2026Fee moved between 0.96% and 0.97% a year (4 changes, 8 Jun – 12 Jun 2026).
  4. 1 June 2026Fee changed from 0.87% to 0.96% a year.
  5. 28 May 2026Fee changed from 1.09% to 0.87% a year.
Show all 40
  1. 27 May 2026Fee changed from 0.87% to 1.09% a year.
  2. 26 May 2026Fee changed from 1.03% to 0.87% a year.
  3. 25 May 2026Fee changed from 0.87% to 1.03% a year.
  4. 20 May 2026Fee changed from 0.81% to 0.87% a year.
  5. 15 May 2026Fee changed from 0.96% to 0.81% a year.
  6. 13 May 2026Fee changed from 0.90% to 0.96% a year.
  7. 12 May 2026Fee changed from 0.81% to 0.90% a year.
  8. 9 May 2026Fee changed from 1.07% to 0.81% a year.
  9. 8 May 2026Fee changed from 0.83% to 1.07% a year.
  10. 7 May 2026Fee changed from 0.92% to 0.83% a year.
  11. 6 May 2026Fee changed from 0.81% to 0.92% a year.
  12. 1 May 2026Fee changed from 0.88% to 0.81% a year.
  13. 30 April 2026Fee changed from 0.90% to 0.88% a year.
  14. 29 April 2026Fee changed from 0.82% to 0.90% a year.
  15. 21 April 2026Fee changed from 0.71% to 0.82% a year.
  16. 3 October 2025Fee moved between 0.71% and 0.74% a year (4 changes, 12 Sep – 3 Oct 2025).
  17. 16 May 2025Fee moved between 0.74% and 0.79% a year (5 changes, 16 Apr – 16 May 2025).
  18. 15 April 2025Fee changed from 0.94% to 0.79% a year.
  19. 8 April 2025Fee moved between 0.93% and 0.95% a year (5 changes, 18 Mar – 8 Apr 2025).
  20. 13 March 2025Fee changed from 0.85% to 0.95% a year.
  21. 10 March 2025Fee moved between 0.80% and 0.85% a year (5 changes, 7 Feb – 10 Mar 2025).
  22. 17 January 2025Fee moved between 0.75% and 0.80% a year (4 changes, 20 Dec 2024 – 17 Jan 2025).
  23. 13 December 2024Fee moved between 0.70% and 0.75% a year (5 changes, 22 Oct – 13 Dec 2024).
  24. 18 October 2024Fee moved between 0.66% and 0.70% a year (10 changes, 5 Aug – 18 Oct 2024).
  25. 24 July 2024Fee moved between 0.64% and 0.69% a year (16 changes, 31 Jan – 24 Jul 2024).
  26. 15 January 2024Fee moved between 0.69% and 0.74% a year (7 changes, 6 Sep 2023 – 15 Jan 2024).
  27. 20 July 2023Fee moved between 0.74% and 0.78% a year (14 changes, 22 Feb – 20 Jul 2023).
  28. 21 February 2023Fee moved between 0.77% and 0.81% a year (4 changes, 10 Feb – 21 Feb 2023).
  29. 9 January 2023Fee moved between 0.81% and 0.86% a year (6 changes, 13 Nov 2022 – 9 Jan 2023).
  30. 4 October 2022Fee moved between 0.86% and 0.91% a year (11 changes, 27 Jun – 4 Oct 2022).
  31. 21 June 2022Fee moved between 0.88% and 0.92% a year (12 changes, 9 May – 21 Jun 2022).
  32. 4 May 2022Fee changed from 0.79% to 0.88% a year.
  33. 26 April 2022Fee moved between 0.79% and 0.82% a year (9 changes, 14 Mar – 26 Apr 2022).
  34. 2 March 2022Fee changed from 0.92% to 0.82% a year.
  35. 22 February 2022Fee moved between 0.90% and 0.92% a year (9 changes, 10 Jan – 22 Feb 2022).

Related

All 123 Flexi Cap funds, A to Z →

Sources and dates

Holdings
Groww's page for this fund, month-end 30 August 2026
Prices
AMFI via mfapi.in, to 11 November 2026
Fee
Groww, from 30 September 2026
Company sizes
SEBI's rank by full market value, 25 September 2026