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HDFC Retirement Savings Fund - Portfolio Analysis
- Solution Oriented
- Retirement Funds
- Very High
-
₹49.6
(-0.21%)
Current NAV 29-08-2025
-
-3.17%
Returns
-
Min. SIP ₹100
Min. Investment ₹100
Fund Suitability Test
Asset Allocation (As on 31-Jul-2025)
Allocation of Equity and Debt Asset Classes.
- Equity 89.39%
Market Cap Allocation Of Equity
Shows Distribution among Different Size Companies.
| Category | Allocation |
|---|---|
| Large Cap | 60.93 |
| Small Cap | 18.91 |
| Mid Cap | 8.67 |
| Others | 0.87 |
Sector Allocation of Equity
Weightage of Portfolio Among Different Sectors.
Financial Services
Industrials
Consumer Cyclical
Technology
Healthcare
Energy
Basic Materials
Consumer Defensive
Communication Services
Utilities
Real Estate
Current Stocks Holdings of Equity
Information on Stock Holdings in Portfolio
| Stocks | Market Cap | Sectors (PE Ratio) 08-Aug-2025 |
Holdings | PE Ratio 08-Aug-2025 |
1Y Return |
|---|---|---|---|---|---|
| HDFC Bank Ltd | Large Cap | Financial Services (20.05) | 9.16% | 21.46 | 20.15% |
| ICICI Bank Ltd | Large Cap | Financial Services (20.05) | 7.17% | 19.39 | 23.34% |
| Reliance Industries Ltd | Large Cap | Energy (33.78) | 4.21% | 22.71 | -5.51% |
| Axis Bank Ltd | Large Cap | Financial Services (24.43) | 3.88% | 28.68 | 29.81% |
| Bharti Airtel Ltd | Large Cap | Communication Services (47.08) | 3.18% | 31 | 20.63% |
| Tata Consultancy Services Ltd | Large Cap | Technology (27.93) | 2.76% | 22.65 | -31.62% |
| Maruti Suzuki India Ltd | Large Cap | Consumer Cyclical (30.31) | 2.57% | 27.17 | -0.2% |
| State Bank of India | Large Cap | Financial Services (8.72) | 2.41% | 9.57 | -0.38% |
| Kotak Mahindra Bank Ltd | Large Cap | Financial Services (24.43) | 2.39% | 26.45 | -0.13% |
| Cipla Ltd | Large Cap | Healthcare (38.66) | 2.35% | 22.23 | -5.39% |
| Infosys Ltd | Large Cap | Technology (27.49) | 2.28% | 21.69 | -18.23% |
| Larsen & Toubro Ltd | Large Cap | Industrials (31.29) | 2.06% | 32.01 | 1.65% |
| ITC Ltd | Large Cap | Consumer Defensive (14.86) | 2.06% | 15.09 | -8.76% |
| InterGlobe Aviation Ltd | Large Cap | Industrials (31.04) | 1.97% | 32.36 | 17.98% |
| HCL Technologies Ltd | Large Cap | Technology (27.93) | 1.89% | 23.28 | -16.86% |
| Power Grid Corp Of India Ltd | Large Cap | Utilities (28.36) | 1.54% | 16.64 | -17.11% |
| ICICI Lombard General Insurance Co Ltd | Mid Cap | Financial Services (41.61) | 1.46% | 0 | -13.53% |
| Bajaj Auto Ltd | Large Cap | Consumer Cyclical (33.77) | 1.45% | 31.74 | -20.15% |
| Dr. Lal PathLabs Ltd | Small Cap | Healthcare (48.13) | 1.42% | 53.86 | -1.73% |
| Havells India Ltd | Large Cap | Industrials (65.97) | 1.36% | 64.95 | -20.08% |
| HDFC Life Insurance Co Ltd | Large Cap | Financial Services (18.43) | 1.26% | 88.66 | 4.98% |
| Eicher Motors Ltd | Large Cap | Consumer Cyclical (31.49) | 1.24% | 32.11 | 23.7% |
| Transport Corp of India Ltd | Small Cap | Industrials (21.84) | 1.21% | 20.44 | 5.51% |
| Hindustan Petroleum Corp Ltd | Mid Cap | Energy (34.03) | 1.14% | 12.74 | 3.09% |
| Max Financial Services Ltd | Mid Cap | Financial Services (36.17) | 1.14% | 206.68 | 50.86% |
| Gland Pharma Ltd | Small Cap | Healthcare (38.66) | 1.09% | 41.31 | -4.68% |
| Delhivery Ltd | Small Cap | Industrials (42.93) | 1.03% | 176.43 | 12.61% |
| Jindal Steel Ltd | Mid Cap | Basic Materials (29.83) | 1.02% | 32.6 | -1.36% |
| Tata Steel Ltd | Large Cap | Basic Materials (24.06) | 0.96% | 43.41 | 4.98% |
| Godrej Consumer Products Ltd | Large Cap | Consumer Defensive (60.03) | 0.89% | 70.1 | -12.14% |
| Voltamp Transformers Ltd | Small Cap | Industrials (28.36) | 0.87% | 0 | -45.51% |
| Apollo Hospitals Enterprise Ltd | Mid Cap | Healthcare (48.13) | 0.85% | 69.47 | 10.89% |
| CreditAccess Grameen Ltd Ordinary Shares | Small Cap | Financial Services (30.66) | 0.85% | 114.83 | 16.86% |
| The Anup Engineering Ltd | Small Cap | Industrials (48.61) | 0.8% | 36.74 | -0.14% |
| National Aluminium Co Ltd | Mid Cap | Basic Materials (15.91) | 0.78% | 6.63 | -3.72% |
| Embassy Office Parks REIT | Real Estate (810.2) | 0.78% | 22.28 | 2.97% | |
| United Spirits Ltd | Large Cap | Consumer Defensive (30.79) | 0.77% | 0 | 0% |
| Kalpataru Projects International Ltd | Small Cap | Industrials (28.36) | 0.76% | 30.17 | -6.19% |
| Lupin Ltd | Mid Cap | Healthcare (132.95) | 0.73% | 167.31 | 197.56% |
| Gujarat State Petronet Ltd | Small Cap | Utilities (11.9) | 0.72% | 15.57 | -30.8% |
| Akzo Nobel India Ltd | Small Cap | Basic Materials (54.77) | 0.71% | 38.7 | 26.16% |
| Mahindra & Mahindra Ltd | Large Cap | Consumer Cyclical (30.31) | 0.68% | 29.74 | 14.35% |
| Bajaj Electricals Ltd | Small Cap | Consumer Cyclical (48.76) | 0.65% | 61.78 | -40.95% |
| CRISIL Ltd | Mid Cap | Financial Services (48.98) | 0.64% | 52.39 | 16.88% |
| Greenply Industries Ltd | Small Cap | Basic Materials (41.58) | 0.61% | 44.32 | -19.81% |
| Finolex Cables Ltd | Small Cap | Industrials (47.36) | 0.6% | 20.22 | -43.21% |
| Gateway Distriparks Ltd | Small Cap | Industrials (43.86) | 0.59% | 8.62 | -36.86% |
| VRL Logistics Ltd | Small Cap | Industrials (42.93) | 0.53% | 0 | -49.79% |
| Finolex Industries Ltd | Small Cap | Industrials (36.27) | 0.51% | 33.04 | -32.39% |
| Star Health and Allied Insurance Co Ltd | Small Cap | Financial Services (41.61) | 0.5% | 0 | -25.94% |
| Symphony Ltd | Small Cap | Consumer Cyclical (117.35) | 0.5% | 38.28 | -38.47% |
| Ceat Ltd | Small Cap | Consumer Cyclical (31.79) | 0.5% | 29.38 | 12.17% |
| PNC Infratech Ltd | Small Cap | Industrials (32.89) | 0.48% | -22.68 | -43.81% |
| Torrent Pharmaceuticals Ltd | Large Cap | Healthcare (38.91) | 0.45% | 60.41 | 4.03% |
| Nippon Life India Asset Management Ltd Ordinary Shares | Mid Cap | Financial Services (39.88) | 0.43% | 36.97 | 16.02% |
| Great Eastern Shipping Co Ltd | Small Cap | Industrials (7.61) | 0.43% | 6.52 | -31.59% |
| PVR INOX Ltd | Small Cap | Communication Services (17.02) | 0.42% | -71.16 | -25.64% |
| Mahindra Holidays & Resorts India Ltd | Small Cap | Consumer Cyclical (71.06) | 0.4% | 55.28 | -11.78% |
| Chambal Fertilisers & Chemicals Ltd | Small Cap | Basic Materials (26.22) | 0.39% | 12.15 | 3.33% |
| Tamil Nadu Newsprint & Papers Ltd | Small Cap | Basic Materials (10.03) | 0.39% | 6.8 | 26.75% |
| Prestige Estates Projects Ltd | Mid Cap | Real Estate (71.85) | 0.37% | 127.18 | -9.72% |
| Equitas Small Finance Bank Ltd Ordinary Shares | Small Cap | Financial Services (20.05) | 0.36% | 0 | -28.7% |
| Timken India Ltd | Small Cap | Industrials (51.12) | 0.35% | 0 | -21.98% |
| GNA Axles Ltd | Small Cap | Consumer Cyclical (44.04) | 0.31% | 12.64 | -31% |
| Cyient Ltd | Small Cap | Industrials (29.65) | 0.29% | 23.38 | -29.42% |
| KEC International Ltd | Small Cap | Industrials (26.89) | 0.26% | 213.91 | 49.58% |
| Redington Ltd | Small Cap | Technology (11.59) | 0.19% | 11.52 | 19.48% |
| Nilkamal Ltd | Small Cap | Consumer Cyclical (47) | 0.18% | 22.27 | -16.38% |
| Mahindra & Mahindra Financial Services Ltd | Mid Cap | Financial Services (27.41) | 0.12% | 15.4 | -16.53% |
| ITC Hotels Ltd | Consumer Cyclical | 0.09% | - | 0% | |
| Dr Reddy's Laboratories Ltd | Large Cap | Healthcare | 0% | - | 0% |
| Balrampur Chini Mills Ltd | Small Cap | Consumer Defensive (23.7) | 0% | 28.17 | 38.47% |
| Carborundum Universal Ltd | Small Cap | Industrials (54.98) | 0% | 64.36 | -41.51% |
| Tata Motors Ltd | Large Cap | Consumer Cyclical (95.46) | 0% | 40.82 | 136.49% |
| Aurobindo Pharma Ltd | Mid Cap | Healthcare (38.91) | 0% | 17.6 | -34.21% |
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Chat with usFrequently Asked Questions
What is Market cap allocation in the portfolio?
In mutual funds, "market cap allocation" means how assets of the fund are divided among various market capitalizations, which are based on the total market value of the outstanding shares of stock of a company. Market capitalization falls into three major categories: Large-cap, Mid-cap, Small-cap funds.
Top 5 holdings for HDFC Retirement Savings Fund ?
The top holdings of this fund are
How do I create a good mutual fund portfolio?
Building a good portfolio requires proper research and knowing about goals that need to be achieved. Set a boundary for your risk capacity, study about different funds and look at its past performance. Balance portfolio according to set goals and stay informed.
How to maintain a good portfolio?
Timely monitoring of the portfolio keeps us aware of the changes in the ongoing market trends. It helps in making plans for any policy change.
What is sector allocation in the portfolio?
The distribution of assets among various economic sectors is referred to as sector allocation in a portfolio. These sectors include technology, healthcare, financial, energy, and many others.
Top 5 Sector for HDFC Retirement Savings Fund ?
The major sectors of this fund are .
What is the ideal number of funds to have in a portfolio?
There is no ideal number, but it is always advisable to keep 4-5 funds in the portfolio as it can be easy to manage them and correct decisions can be taken according to it. Diversification is the key to manage and balance your portfolio for smooth growth.
How does risk tolerance play a role in determining portfolio allocation?
Risk tolerance is an important factor in maintaining portfolio allocation. With the correct mix of assets, the value of investments can improve significantly.
