HDFC Retirement Fund - Equity Plan vs HDFC Retirement Fund - Hybrid-Equity Plan
Retirement Fund · Direct Plan – Growth · Compared on official AMFI NAV data · NAVs as of 30-Oct-2026
| Metric | HDFC Retirement Fund - Equity Plan | HDFC Retirement Fund - Hybrid-Equity Plan |
|---|---|---|
| Latest NAV | ₹53.62 | ₹41.17 |
| 1-Year Return | -5.60% | -5.67% |
| 3-Year Return (CAGR) | +8.58% | +6.74% |
| 5-Year Return (CAGR) | N/A | N/A |
| Volatility (1Y, annualised) | 13.0% | 10.3% |
| Max Drawdown | −16.1% | −12.3% |
| Fund House | HDFC Mutual Fund | HDFC Mutual Fund |
Growth of ₹10,000
If you had invested ₹10,000 in each fund
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HDFC Retirement Fund - Equity Plan vs HDFC Retirement Fund - Hybrid-Equity Plan: which is better?
HDFC Retirement Fund - Equity Plan and HDFC Retirement Fund - Hybrid-Equity Plan are both retirement fund mutual funds (direct plan, growth option). This comparison uses each fund's official AMFI NAV history — the same daily data the fund houses publish — to compare returns, volatility and drawdowns side by side.
On 3-year returns (annualised), HDFC Retirement Fund - Equity Plan leads with +8.58% against +6.74% — a gap of about 1.84 percentage points per year over that period.
HDFC Retirement Fund - Hybrid-Equity Plan has been the steadier fund over the past year, with annualised volatility of 10.3% versus 13.0%. Looking at worst falls, HDFC Retirement Fund - Equity Plan's deepest drawdown in the stored history is −16.1% against −12.3% for HDFC Retirement Fund - Hybrid-Equity Plan.
Which fund suits you depends on your horizon and appetite for swings: the higher-return fund is only the better pick if you can hold through its rougher months. Use the ₹10,000 growth chart above to see how each fund actually behaved through market cycles, and consider consulting a SEBI-registered adviser before investing. This comparison is informational, not investment advice.
Key takeaways
- HDFC Retirement Fund - Equity Plan has delivered higher 3-year returns (+8.58% vs +6.74%).
- HDFC Retirement Fund - Hybrid-Equity Plan has shown lower volatility over the trailing year.
- HDFC Retirement Fund - Hybrid-Equity Plan has had the shallower maximum drawdown (−12.3%).
Frequently Asked Questions
Which fund has given higher returns — HDFC Retirement Fund - Equity Plan or HDFC Retirement Fund - Hybrid-Equity Plan?
Over the past 3 year period, HDFC Retirement Fund - Equity Plan has delivered higher returns: +8.58% versus +6.74% annualised. Past performance does not guarantee future results.
Which fund is less risky — HDFC Retirement Fund - Equity Plan or HDFC Retirement Fund - Hybrid-Equity Plan?
Based on the trailing year, HDFC Retirement Fund - Hybrid-Equity Plan has shown lower day-to-day volatility (HDFC Retirement Fund - Equity Plan: 13.0%, HDFC Retirement Fund - Hybrid-Equity Plan: 10.3% annualised). Volatility and drawdowns describe past behaviour, not future safety — both funds carry the market risk of their category.
Can I invest in both HDFC Retirement Fund - Equity Plan and HDFC Retirement Fund - Hybrid-Equity Plan?
Yes — many investors split a SIP across two funds. If both funds are from the same category, remember they will hold overlapping stocks, so diversification benefits may be smaller than they appear. Check each scheme's portfolio before doubling up within one category.
More Retirement Fund comparisons
Returns, volatility and drawdowns are computed from official AMFI NAV history for direct-growth plans and may differ slightly from fund-house factsheets due to date conventions. Mutual fund investments are subject to market risks. This comparison is for informational purposes only — not investment advice.