HDFC Retirement Savings Fund - Equity vs Nippon India Retirement Fund - Wealth Creation Scheme
Updated June 2026 · both Retirement funds · metrics from AMFI NAVs
In short: Nippon India Retirement Fund - Wealth Creation Scheme has the higher 3-year return (+13.77%); HDFC Retirement Savings Fund - Equity has the lower expense ratio (0.97%); HDFC Retirement Savings Fund - Equity has the better risk-adjusted return (Sharpe 0.72). This is analysis from past data, not a recommendation.
| Metric | HDFC Retirement Savings Fund - Equity | Nippon India Retirement Fund - Wealth Creation Scheme |
|---|---|---|
| 1Y return | -7.59% | -4.45% |
| 3Y CAGR | +11.84% | +13.77% |
| 5Y CAGR | +13.81% | +12.71% |
| Sharpe ratio | 0.72 | 0.56 |
| Max drawdown | -16.1% | -18.7% |
| Volatility | 13.0% | 14.6% |
| Alpha | -0.30% | +1.50% |
| Expense ratio (Direct) | 0.97% | 1.02% |
| AUM | ₹6.9K Cr | ₹3.1K Cr |
Winner on each row highlighted (lower is better for expense ratio and volatility; max drawdown closer to zero is better). Computed from AMFI NAVs - see methodology. No paid placement.
FAQ
Which has the lower expense ratio?
HDFC Retirement Savings Fund - Equity has the lower Direct-plan expense ratio (0.97%), versus 1.02% for the other. Over long horizons a lower TER compounds into a meaningful difference.
Which has performed better over 3 years?
Nippon India Retirement Fund - Wealth Creation Scheme has the higher 3-year CAGR (+13.77%). Past performance does not predict future returns - check volatility and drawdown too, shown above.
How are these figures calculated?
All returns, risk metrics and alpha are computed independently from AMFI daily NAVs using a disclosed methodology. FindMF takes no commission and this comparison is not a recommendation.