NRI from all over the world (excluding U.S.A. & Canada) can invest in this fund
SBNRI is a certified Mutual Fund distributor registered with Association of Mutual Funds in India (AMFI) with Reg. No. 246671
₹38.99
0.40%
NAV as on 16 Feb 26, 12:00 AM
very high risk
retirement
equity
NAV as on 16 Feb 26, 12:00 AM
very high risk
retirement
equity
9.35%p.a.
Last 1Y
13.49%p.a.
Last 3Y
12.40%p.a.
Last 5Y
14.60%p.a.
Since Inception
About HDFC Retirement Savings Fund - Hybrid Equity Plan -Growth for NRIs
NRIs can achieve long-term capital appreciation by investing in the HDFC Retirement Savings Fund - Hybrid Equity Plan -Growth scheme from HDFC Asset Management Company Limited. It is a Retirement mutual fund scheme that predominantly invests in Retirement stocks of companies. Launched on Feb 2016, HDFC Retirement Savings Fund - Hybrid Equity Plan -Growth is Retirement fund of its category with 1,702.59 Cr fund under management as on Feb 2026. The expense ratio of this fund is less than that of most other Fund category Retirement funds.
- HDFC Retirement Savings Fund - Hybrid Equity Plan -Growth delivered 9.3% annual returns during the last year. It has delivered 14.6% average annual returns since the fund was launched.
- HDFC Retirement Savings Fund - Hybrid Equity Plan -Growth scheme tends to consistently deliver higher returns than most schemes in the same category.
- The scheme has predominantly invested in equity
Fund Objective
The investment objective of the Scheme is to provide long-term capital appreciation / income by investing in a mix of equity and debt instruments to help investors meet their retirement goals. There is no assurance that the investment objective of the Scheme will be realized.
Top 10 Holdings
Repo
6.33%
Net Current Assets
0.60%
ITC Hotels Ltd
0.08%
Embassy Office Parks REIT
0.89%
CENTRAL GOVERNMENT LOAN 21658 GOI 17JU33 7.57 FV RS 100
0.77%
CENTRAL GOVERNMENT LOAN 29633 GOI 17DC50 6.67 FV RS 100
0.54%
CENTRAL GOVERNMENT LOAN 30581 GOI 12JL31 6.1 FV RS 100
1.78%
GOVERNMENT OF INDIA 31909 GOI 22AG32 7.26 FV RS 100
1.82%
MAHINDRA RURAL HOUSING FINANCE LIMITED SR AA 8.35 NCD 24SP32 FVRS10LAC
0.91%
GOVERNMENT OF INDIA 32584 GOI 06FB33 7.26 FV RS 100
1.21%
Fund Managers
- Arun Agarwal (Apr 2025 - Present)
- Nandita Menezes (Apr 2025 - Present)
- Shobhit Mehrotra (Feb 2016 - Present)
- Srinivasan Ramamurthy (Dec 2021 - Present)
- Dhruv Muchhal (Jun 2023 - Present)
Key Information
View Scheme Document
HDFC Retirement Savings Fund - Hybrid Equity Plan -Growth SIP Calculator
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NRI Mutual Fund Tax on HDFC Retirement Savings Fund - Hybrid Equity Plan -Growth
Just like for resident investors, capital gains from mutual fund investments are subject to income tax for NRI investors.
| Fund Type | Short-term Capital Gains (STCG) Tax | Long-term Capital Gains (LTCG) Tax |
|---|---|---|
| Equity mutual funds | 15% | 10% (above Rs. 1 lakh LTCG) without indexation* |
| Debt & other types of funds | At tax slab rate | 20% with indexation benefits |
How can NRIs invest in HDFC Retirement Savings Fund - Hybrid Equity Plan -Growth?
NRIs and OCIs can download the SBNRI app to invest in mutual funds from the country of their residence. Here are a few simple steps you need to take:
- Complete your NRI KYC: Type in your personal details and attach supporting documents, like:
- PAN Number
- Overseas address proof: Any of – Water/electricity bill, postpaid mobile/internet bill, rent agreement, driving license, etc.
- Passport – front and back
- Passport size photograph
- signature
If all details are correct, your KYC will be approved within 7 to 8 business days.
- Onboarding: After KYC, you need to share the following details to complete onboarding process and start investing in HDFC Retirement Savings Fund - Hybrid Equity Plan -Growth
- Onboarding: After KYC, you need to share the following details to complete onboarding process and start investing:
- City and country of birth
- NRE/NRO bank account statement/ canceled cheque for the latest 3 months
- Nominee details
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