fincash logo SOLUTIONS
EXPLORE FUNDS
CALCULATORS
LOG IN
SIGN UP

Fincash » Government Schemes » National Pension Scheme

What is NPS (National Pension Scheme)?

Updated on August 7, 2025 , 172115 views

NPS, also known as National Pension Scheme is regulated by the Pension Fund Regulatory and Development Authority (PFRDA). National Pension Scheme is a voluntary contributory scheme formulated by the Central Government with an aim of providing retirement Income to the citizens of India. The NPS scheme targets to establish pension reforms and induce the habit of saving for retirement among people. Under National Pension Scheme or NPS, you can open a personal retirement account in which pension corpus can be saved during the working life. NPS Scheme is open to all but is mandatory for all government employees.

National-Pension-Scheme

National Pension Scheme Details

  • NPS scheme is specially formulated to meet the post-retirement needs of people. Pension plans ensure financial stability and security at old age when people usually do not have a regular income

  • National Pension Scheme is one of such plan that gives us an opportunity to invest money and let the contributions grow over years, leading to good NPS returns. On retirement, you can use these savings to manage the needs and expenses of your family

  • You can also use the accumulated pension wealth to purchase a life annuity product from any of the Life Insurance companies in India. Or you can also withdraw a part of your Earnings as a lump sum, depending on your age

There are two types of pension accounts offered. These include-

  • NPS Tier I - This is a pension account that has restrictions on withdrawal

  • NPS Tier II - This is a Savings Account that is withdrawable to meet financial contingencies. An active Tier I account is mandatory for opening an NPS Tier II account

How to Invest in NPS Scheme?

One can invest in a National Pension Scheme through Points of Presence (POP). The investment can be allocated in 3 kinds of portfolios:

  • Asset Class E - Investment in predominantly equity Market instruments
  • Asset Class C - Investment in Debt securities apart from Government Securities
  • Asset Class G - Investments in Government Securities

Ready to Invest?
Talk to our investment specialist
Disclaimer:
By submitting this form I authorize Fincash.com to call/SMS/email me about its products and I accept the terms of Privacy Policy and Terms & Conditions.

National Pension Scheme Benefits

National Pension Scheme Tax Benefits

Investments upto INR 50,000 are liable for deductions under section 80 CCD (1B). Additional investments upto INR 1,50,000 are tax Deductible under Section 80C of the income tax Act. So, the investors looking for higher tax saving options can invest in an NPS.

Diversification of Funds in NPS Scheme

Another beneficial feature of the NPS scheme is that the investment can be diversified into three classes of assets including equity, fixed return instruments, and Government Bonds. Thus, investors have an opportunity to choose the allocation of assets based on their preference and risk appetite. Though, equity investments have a maximum limit of 50%.

NPS Schemem is Less Costly

The minimum amount required to invest in an NPS scheme is INR 6,000 annually. So, those having annual saving as less as INR 6,000 can easily invest in this scheme. Also, the fees charged by Fund Managers handling the funds is low, as it is a Government-backed scheme.

NPS Account is Managed by Professionals

The funds under the NPS are managed by experienced Fund Managers which ensures better investment management of funds that leads to good NPS returns.

NPS Tax Treatment on Withdrawals

Withdrawal Before Retirement

If a subscriber wants to withdraw from the scheme before the age of 60/or before retirement (other than the purpose specified for partial withdrawal), the amount withdrawn will not be taxable. However, the corpus that can be withdrawn is limited to only 20 percent of the accumulated wealth. And the balance 80 percent of the accumulated wealth has to be utilized for the purchase of annuity providing for the monthly pension to the subscriber. In such a case, the annuity income shall be taxable in the year of Receipt as per the income tax slab rate applicable to the user.

In Budget 2017-18, the government had allowed partial withdrawal of 25 percent of the contribution made by a subscriber exempted from income tax.

However, this exemption is currently not available to non-employee subscribers. But, as per the Budget 2018, the Finance Minister Arun Jaitley has proposed to extend the benefits of tax-free withdrawal from NPS to non-employee subscribers also. Non-employee subscribers can also do tax-free withdrawal up to 40 percent of their maturity corpus from their NPS Account. The new rule is be effective from April 1, 2019.

Withdrawal on Retirement or at the Age of 60

At the time of retirement, withdrawal up to 40 percent the accumulated wealth is exempt from tax. However, the maximum corpus that you can withdraw at the retirement is 60 percent (of the accumulated wealth) and the balance, i.e., 40 percent needs to be utilized for the purchase of annuity providing monthly pension to the subscriber.

Withdrawal Upon the Death of the Subscriber

The corpus withdrawn in the event of the death of the subscriber shall be exempt from tax. The entire accumulated wealth would be paid to the legal nominee of the user. However, in case of government employees, the entire amount cannot be withdrawn. Purchase of annuity plan is mandatory by the nominee.

100% Withdrawal at the Time of Retirement or When Attaining 60

In case, the total amount in the NPS account is less than INR 2 Lakhs as on the date of retirement or attaining the age of 60, the subscriber (other than Swavalamban users) can avail the option of complete withdrawal.

1. Tata Retirement Savings Fund-Moderate

To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends.

Research Highlights for Tata Retirement Savings Fund-Moderate

  • Upper mid AUM (₹2,230 Cr).
  • Oldest track record among peers (13 yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 15.04% (lower mid).
  • 3Y return: 14.45% (lower mid).
  • 1Y return: 0.97% (lower mid).
  • 1M return: -3.69% (lower mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 0.18 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Top sector: Financial Services.
  • Top bond sector: Government.
  • Equity-heavy allocation (~81%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding HDFC Bank Ltd (~6.2%).

Below is the key information for Tata Retirement Savings Fund-Moderate

Tata Retirement Savings Fund-Moderate
Growth
Launch Date 1 Nov 11
NAV (08 Aug 25) ₹63.1151 ↓ -0.48   (-0.76 %)
Net Assets (Cr) ₹2,230 on 30 Jun 25
Category Solutions - Retirement Fund
AMC Tata Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 0
Sharpe Ratio 0.18
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 150
Exit Load 0-60 Years (1%),60 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹13,232
31 Jul 22₹13,479
31 Jul 23₹15,642
31 Jul 24₹20,717
31 Jul 25₹20,768

Tata Retirement Savings Fund-Moderate SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579
Invest Now

Returns for Tata Retirement Savings Fund-Moderate

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25

DurationReturns
1 Month -3.7%
3 Month 3.6%
6 Month 4%
1 Year 1%
3 Year 14.4%
5 Year 15%
10 Year
15 Year
Since launch 14.3%
Historical performance (Yearly) on absolute basis
YearReturns
2024 19.5%
2023 25.3%
2022 -1.9%
2021 20.5%
2020 15.1%
2019 8.6%
2018 -3.6%
2017 38.8%
2016 6.7%
2015 7.7%
Fund Manager information for Tata Retirement Savings Fund-Moderate
NameSinceTenure
Murthy Nagarajan1 Apr 178.34 Yr.
Sonam Udasi1 Apr 169.34 Yr.

Data below for Tata Retirement Savings Fund-Moderate as on 30 Jun 25

Asset Allocation
Asset ClassValue
Cash5.63%
Equity81.35%
Debt13.02%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK
6%₹138 Cr687,500
6.79% Govt Stock 2034
Sovereign Bonds | -
6%₹129 Cr12,500,000
Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 22 | SOLARINDS
4%₹90 Cr51,155
Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE
4%₹85 Cr567,900
↑ 9,900
BSE Ltd (Financial Services)
Equity, Since 31 May 24 | BSE
4%₹82 Cr297,000
↓ -27,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Aug 20 | TCS
3%₹73 Cr211,500
Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | RADICO
3%₹70 Cr266,500
ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 18 | ITC
3%₹67 Cr1,613,000
Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | 543320
3%₹64 Cr2,412,000
Mahanagar Gas Ltd (Utilities)
Equity, Since 29 Feb 24 | MGL
2%₹49 Cr333,000

2. Tata Retirement Savings Fund - Progressive

To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends.

Research Highlights for Tata Retirement Savings Fund - Progressive

  • Lower mid AUM (₹2,178 Cr).
  • Established history (13+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 16.10% (upper mid).
  • 3Y return: 15.36% (upper mid).
  • 1Y return: -1.27% (bottom quartile).
  • 1M return: -4.72% (bottom quartile).
  • Alpha: 1.79 (top quartile).
  • Sharpe: 0.12 (upper mid).
  • Information ratio: -0.13 (bottom quartile).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~95%).
  • Largest holding HDFC Bank Ltd (~6.9%).

Below is the key information for Tata Retirement Savings Fund - Progressive

Tata Retirement Savings Fund - Progressive
Growth
Launch Date 1 Nov 11
NAV (08 Aug 25) ₹63.7563 ↓ -0.59   (-0.91 %)
Net Assets (Cr) ₹2,178 on 30 Jun 25
Category Solutions - Retirement Fund
AMC Tata Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 0
Sharpe Ratio 0.12
Information Ratio -0.13
Alpha Ratio 1.79
Min Investment 5,000
Min SIP Investment 150
Exit Load 0-60 Years (1%),60 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹13,820
31 Jul 22₹13,796
31 Jul 23₹16,092
31 Jul 24₹22,338
31 Jul 25₹21,874

Tata Retirement Savings Fund - Progressive SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689
Invest Now

Returns for Tata Retirement Savings Fund - Progressive

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25

DurationReturns
1 Month -4.7%
3 Month 3.8%
6 Month 3.4%
1 Year -1.3%
3 Year 15.4%
5 Year 16.1%
10 Year
15 Year
Since launch 14.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 21.7%
2023 29%
2022 -3.9%
2021 23.3%
2020 14.4%
2019 11.5%
2018 -6.1%
2017 49.1%
2016 3.1%
2015 7.8%
Fund Manager information for Tata Retirement Savings Fund - Progressive
NameSinceTenure
Murthy Nagarajan1 Apr 178.34 Yr.
Sonam Udasi1 Apr 169.34 Yr.

Data below for Tata Retirement Savings Fund - Progressive as on 30 Jun 25

Asset Allocation
Asset ClassValue
Cash4.73%
Equity95.27%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK
7%₹151 Cr754,000
Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Oct 22 | SOLARINDS
5%₹102 Cr58,135
Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE
5%₹99 Cr657,000
↑ 36,001
BSE Ltd (Financial Services)
Equity, Since 31 May 24 | BSE
4%₹90 Cr324,000
↓ -27,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Aug 20 | TCS
4%₹84 Cr243,000
ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 18 | ITC
4%₹77 Cr1,853,000
Eternal Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | 543320
3%₹72 Cr2,718,000
Radico Khaitan Ltd (Consumer Defensive)
Equity, Since 30 Nov 17 | RADICO
3%₹65 Cr249,600
Mahanagar Gas Ltd (Utilities)
Equity, Since 29 Feb 24 | MGL
3%₹56 Cr378,000
Karur Vysya Bank Ltd (Financial Services)
Equity, Since 31 Dec 22 | 590003
2%₹49 Cr1,836,000

3. Tata Retirement Savings Fund - Conservative

To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends.

Research Highlights for Tata Retirement Savings Fund - Conservative

  • Bottom quartile AUM (₹180 Cr).
  • Established history (13+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 7.59% (bottom quartile).
  • 3Y return: 8.38% (bottom quartile).
  • 1Y return: 3.54% (upper mid).
  • 1M return: -1.27% (upper mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.01 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Top sector: Financial Services.
  • Higher exposure to Government (bond sector) vs peer median.
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 6.79% Govt Stock 2034 (~20.1%).
  • Top-3 holdings concentration ~37.4%.

Below is the key information for Tata Retirement Savings Fund - Conservative

Tata Retirement Savings Fund - Conservative
Growth
Launch Date 1 Nov 11
NAV (08 Aug 25) ₹31.491 ↓ -0.10   (-0.31 %)
Net Assets (Cr) ₹180 on 30 Jun 25
Category Solutions - Retirement Fund
AMC Tata Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 0
Sharpe Ratio -0.01
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-60 Years (1%),60 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹11,189
31 Jul 22₹11,313
31 Jul 23₹12,261
31 Jul 24₹14,057
31 Jul 25₹14,573

Tata Retirement Savings Fund - Conservative SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹367,070.
Net Profit of ₹67,070
Invest Now

Returns for Tata Retirement Savings Fund - Conservative

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25

DurationReturns
1 Month -1.3%
3 Month 1.9%
6 Month 3.7%
1 Year 3.5%
3 Year 8.4%
5 Year 7.6%
10 Year
15 Year
Since launch 8.7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 9.9%
2023 12.1%
2022 0.1%
2021 7.6%
2020 11.8%
2019 7.6%
2018 0.8%
2017 15.1%
2016 10.6%
2015 6.4%
Fund Manager information for Tata Retirement Savings Fund - Conservative
NameSinceTenure
Murthy Nagarajan1 Apr 178.34 Yr.
Sonam Udasi1 Apr 169.34 Yr.

Data below for Tata Retirement Savings Fund - Conservative as on 30 Jun 25

Asset Allocation
Asset ClassValue
Cash11.27%
Equity28.58%
Debt60.15%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2034
Sovereign Bonds | -
20%₹36 Cr3,500,000
7.17% Govt Stock 2030
Sovereign Bonds | -
9%₹16 Cr1,500,000
7.38% Govt Stock 2027
Sovereign Bonds | -
9%₹15 Cr1,500,000
7.36% Govt Stock 2052
Sovereign Bonds | -
6%₹10 Cr1,000,000
7.27% Govt Stock 2026
Sovereign Bonds | -
6%₹10 Cr1,000,000
Jamnagar Utilities & Power Private Limited
Debentures | -
6%₹10 Cr100
8.24% Govt Stock 2027
Sovereign Bonds | -
3%₹5 Cr500,000
Bharti Telecom Limited
Debentures | -
3%₹5 Cr50
8.2% Govt Stock 2025
Sovereign Bonds | -
3%₹5 Cr500,000
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | HDFCBANK
2%₹4 Cr18,000
↓ -2,750

4. HDFC Retirement Savings Fund - Equity Plan

The investment objective of the Investment Plans offered under the Scheme is to generate a corpus to provide for pension to an investor in the form of income to the extent of the redemption value of their holding after the age of 60 years by investing in a mix of securities comprising of equity, equity related instruments and/or Debt/Money Market Instruments.

Research Highlights for HDFC Retirement Savings Fund - Equity Plan

  • Highest AUM (₹6,701 Cr).
  • Established history (9+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 24.71% (top quartile).
  • 3Y return: 18.49% (top quartile).
  • 1Y return: -0.15% (bottom quartile).
  • 1M return: -3.95% (bottom quartile).
  • Alpha: -0.26 (bottom quartile).
  • Sharpe: -0.01 (bottom quartile).
  • Information ratio: 0.55 (top quartile).
  • Higher exposure to Financial Services vs peer median.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~90%).
  • Largest holding HDFC Bank Ltd (~9.0%).

Below is the key information for HDFC Retirement Savings Fund - Equity Plan

HDFC Retirement Savings Fund - Equity Plan
Growth
Launch Date 25 Feb 16
NAV (08 Aug 25) ₹49.431 ↓ -0.34   (-0.68 %)
Net Assets (Cr) ₹6,701 on 30 Jun 25
Category Solutions - Retirement Fund
AMC HDFC Asset Management Company Limited
Rating Not Rated
Risk Moderately High
Expense Ratio 1.86
Sharpe Ratio -0.01
Information Ratio 0.55
Alpha Ratio -0.26
Min Investment 5,000
Min SIP Investment 300
Exit Load 0-60 Years (1%),60 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹17,012
31 Jul 22₹18,165
31 Jul 23₹23,256
31 Jul 24₹31,510
31 Jul 25₹31,281

HDFC Retirement Savings Fund - Equity Plan SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833
Invest Now

Returns for HDFC Retirement Savings Fund - Equity Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25

DurationReturns
1 Month -4%
3 Month 2%
6 Month 3.8%
1 Year -0.1%
3 Year 18.5%
5 Year 24.7%
10 Year
15 Year
Since launch 18.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 18%
2023 32.6%
2022 8.6%
2021 42.5%
2020 18.3%
2019 5.2%
2018 -6%
2017 37.7%
2016
2015
Fund Manager information for HDFC Retirement Savings Fund - Equity Plan
NameSinceTenure
Shobhit Mehrotra25 Feb 169.44 Yr.
Arun Agarwal1 Apr 250.33 Yr.
Srinivasan Ramamurthy14 Dec 213.63 Yr.
Dhruv Muchhal22 Jun 232.11 Yr.
Nandita Menezes1 Apr 250.33 Yr.

Data below for HDFC Retirement Savings Fund - Equity Plan as on 30 Jun 25

Asset Allocation
Asset ClassValue
Cash10.08%
Equity89.92%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 29 Feb 16 | HDFCBANK
9%₹600 Cr3,000,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 16 | 532174
7%₹463 Cr3,200,000
Reliance Industries Ltd (Energy)
Equity, Since 29 Feb 16 | RELIANCE
4%₹300 Cr2,000,000
Axis Bank Ltd (Financial Services)
Equity, Since 29 Feb 16 | 532215
4%₹288 Cr2,400,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 28 Feb 22 | BHARTIARTL
3%₹221 Cr1,100,000
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 30 Sep 23 | KOTAKBANK
3%₹173 Cr800,000
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Mar 24 | MARUTI
2%₹167 Cr135,000
State Bank of India (Financial Services)
Equity, Since 29 Feb 16 | SBIN
2%₹164 Cr2,000,000
Infosys Ltd (Technology)
Equity, Since 29 Feb 16 | INFY
2%₹160 Cr1,000,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Oct 24 | TCS
2%₹156 Cr450,000
↑ 150,000

5. HDFC Retirement Savings Fund - Hybrid - Debt Plan

The investment objective of the Investment Plans offered under the Scheme is to generate a corpus to provide for pension to an investor in the form of income to the extent of the redemption value of their holding after the age of 60 years by investing in a mix of securities comprising of equity, equity related instruments and/or Debt/Money Market Instruments.

Research Highlights for HDFC Retirement Savings Fund - Hybrid - Debt Plan

  • Bottom quartile AUM (₹163 Cr).
  • Established history (9+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 8.80% (bottom quartile).
  • 3Y return: 9.07% (bottom quartile).
  • 1Y return: 4.41% (top quartile).
  • 1M return: -0.83% (top quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 0.05 (lower mid).
  • Information ratio: 0.00 (bottom quartile).
  • Top sector: Industrials.
  • Top bond sector: Government.
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 6.67% Govt Stock 2050 (~8.9%).

Below is the key information for HDFC Retirement Savings Fund - Hybrid - Debt Plan

HDFC Retirement Savings Fund - Hybrid - Debt Plan
Growth
Launch Date 25 Feb 16
NAV (08 Aug 25) ₹21.5182 ↓ -0.03   (-0.15 %)
Net Assets (Cr) ₹163 on 30 Jun 25
Category Solutions - Retirement Fund
AMC HDFC Asset Management Company Limited
Rating Not Rated
Risk Moderately High
Expense Ratio 2.13
Sharpe Ratio 0.05
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load 0-60 Years (1%),60 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Jul 20₹10,000
31 Jul 21₹11,444
31 Jul 22₹11,739
31 Jul 23₹13,028
31 Jul 24₹14,706
31 Jul 25₹15,402

HDFC Retirement Savings Fund - Hybrid - Debt Plan SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹376,357.
Net Profit of ₹76,357
Invest Now

Returns for HDFC Retirement Savings Fund - Hybrid - Debt Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25

DurationReturns
1 Month -0.8%
3 Month 1%
6 Month 3.6%
1 Year 4.4%
3 Year 9.1%
5 Year 8.8%
10 Year
15 Year
Since launch 8.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 9.9%
2023 11.2%
2022 3.7%
2021 8.7%
2020 10.4%
2019 7.6%
2018 0.7%
2017 12.4%
2016
2015
Fund Manager information for HDFC Retirement Savings Fund - Hybrid - Debt Plan
NameSinceTenure
Shobhit Mehrotra26 Feb 169.43 Yr.
Arun Agarwal1 Apr 250.33 Yr.
Srinivasan Ramamurthy14 Dec 213.63 Yr.
Dhruv Muchhal22 Jun 232.11 Yr.
Nandita Menezes1 Apr 250.33 Yr.

Data below for HDFC Retirement Savings Fund - Hybrid - Debt Plan as on 30 Jun 25

Asset Allocation
Asset ClassValue
Cash15.4%
Equity38.05%
Debt46.55%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.67% Govt Stock 2050
Sovereign Bonds | -
9%₹14 Cr1,500,000
Tata Consultancy Services Ltd (Technology)
Equity, Since 15 May 22 | TCS
7%₹11 Cr33,800
Mahindra Rural Housing Finance Limited
Debentures | -
6%₹10 Cr100
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 May 16 | LT
6%₹10 Cr28,700
Tmf Holdings Limited
Debentures | -
6%₹10 Cr100
Reliance Industries Ltd (Energy)
Equity, Since 31 Mar 16 | RELIANCE
6%₹10 Cr66,500
6.19% Govt Stock 2034
Sovereign Bonds | -
6%₹10 Cr1,000,000
7.57% Govt Stock 2033
Sovereign Bonds | -
5%₹8 Cr750,000
8.97% Govt Stock 2030
Sovereign Bonds | -
4%₹6 Cr550,000
7.5% Govt Stock 2034
Sovereign Bonds | -
3%₹5 Cr500,000

NPS Calculator

After the benefits, let’s learn how to calculate NPS.

Here's an illustration -

Parameter Credentials
Age in years 20
Monthly contribution INR 1,000
Total years of investment 40 years
Expected Return on Investment 10%
Total pension wealth INR 63,76,781
Percentage of corpus reinvested in annuity 60%
Amount for purchase of annuity plan INR 38,23,069
Expected annuity rate 6%
Monthly pension INR 19, 131
Withdrawal on maturity INR 25, 50,172

Use retirement calculator given below for better understanding-

Know Your Monthly SIP Amount

   
My Goal Amount:
Goal Tenure:
Years
Expected Annual Returns:
%
Total investment required is ₹6,659/month for 20 Years
to achieve ₹10,000,000
Invest Now

So, do not compromise your living standards in your advancing years, invest in a National Pension Scheme (NPS).

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
How helpful was this page ?
Rated 4.3, based on 3 reviews.
POST A COMMENT