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.

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.

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 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.

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.

HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option - Portfolio Analysis

Portfolio Overview

As of March 31, 2026

Asset Allocation

Equity: 74.11%Others: 8.22%Debt: 17.67%

Market Cap

Large Cap: 44.92%Others: 5.09%Mid Cap: 5.24%Small Cap: 18.87%

Number of stocks

Top 10 Holdings

74.11% of portfolio

Market Cap of Equity

Large Cap

44.92%

Others

5.09%

Mid Cap

5.24%

Small Cap

18.87%

Companies Allocation of Equity

HDFC Bank Ltd5.701%

ICICI Bank Ltd5.482%

Reliance Industries Ltd3.491%

State Bank of India3.180%

Axis Bank Ltd3.017%

Kotak Mahindra Bank Ltd2.754%

Infosys Ltd2.436%

Maruti Suzuki India Ltd2.397%

Bharti Airtel Ltd2.315%

Tata Consultancy Services Ltd2.298%

Power Grid Corp Of India Ltd1.923%

HCL Technologies Ltd1.742%

Larsen & Toubro Ltd1.707%

Bajaj Auto Ltd1.426%

ITC Ltd1.308%

Max Financial Services Ltd1.113%

ICICI Lombard General Insurance Co Ltd1.111%

Dr. Lal PathLabs Ltd1.108%

City Union Bank Ltd1.090%

Alkem Laboratories Ltd1.032%

Embassy Office Parks REIT0.955%

Lumax Industries Ltd0.907%

Havells India Ltd0.889%

Tata Steel Ltd0.872%

SBI Life Insurance Co Ltd0.866%

Vesuvius India Ltd0.848%

NTPC Ltd0.842%

Cipla Ltd0.795%

Suprajit Engineering Ltd0.772%

HDFC Life Insurance Co Ltd0.767%

CreditAccess Grameen Ltd Ordinary Shares0.752%

United Spirits Ltd0.712%

Balkrishna Industries Ltd0.676%

Transport Corp of India Ltd0.659%

SKF India Ltd0.643%

Gland Pharma Ltd0.631%

Voltamp Transformers Ltd0.620%

Kalpataru Projects International Ltd0.618%

Blue Dart Express Ltd0.617%

Ramco Cements Ltd0.598%

CIE Automotive India Ltd0.578%

Hindustan Petroleum Corp Ltd0.544%

Delhivery Ltd0.541%

Alembic Pharmaceuticals Ltd0.538%

PVR INOX Ltd0.534%

Godrej Consumer Products Ltd0.512%

Crompton Greaves Consumer Electricals Ltd0.508%

Zensar Technologies Ltd0.501%

UTI Asset Management Co Ltd0.487%

Redington Ltd0.455%

Bayer CropScience Ltd0.453%

Gujarat State Petronet Ltd0.447%

Escorts Kubota Ltd0.445%

Eris Lifesciences Ltd Registered Shs0.421%

Timken India Ltd0.419%

The Anup Engineering Ltd0.417%

Equitas Small Finance Bank Ltd Ordinary Shares0.388%

Procter & Gamble Health Ltd0.374%

Huhtamaki India Ltd Ordinary Shares0.372%

GNA Axles Ltd0.371%

Goodyear India Ltd0.345%

National Aluminium Co Ltd0.313%

Sonata Software Ltd0.306%

SKF India (Industrial) Ltd0.298%

Finolex Industries Ltd0.292%

Bajaj Electricals Ltd0.285%

Tamil Nadu Newsprint & Papers Ltd0.279%

Wipro Ltd0.244%

Amagi Media Labs Ltd0.234%

Cyient Ltd0.171%

Popular Vehicles and Services Ltd0.135%

KEC International Ltd0.133%

Nilkamal Ltd0.104%

Sector Allocation of Equity

Financial Services26.71%

Energy4.04%

Technology8.22%

Consumer Cyclical8.88%

Communication Services2.85%

Utilities3.21%

Industrials9.32%

Consumer Defensive2.53%

Healthcare4.90%

Real Estate0.96%

Basic Materials2.51%

Monthly SIP

One Time

SIP Amount

₹

Monthly SIP Date

HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option

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Everything You Need To Know To Get Started With Confidence

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.