HDFC Retirement Savings Fund - Equity vs UTI Retirement Fund
Updated June 2026 · both Retirement funds · metrics from AMFI NAVs
In short: HDFC Retirement Savings Fund - Equity has the higher 3-year return (+11.84%); 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 | UTI Retirement Fund |
|---|---|---|
| 1Y return | -7.59% | -0.57% |
| 3Y CAGR | +11.84% | +9.96% |
| 5Y CAGR | +13.81% | +9.74% |
| Sharpe ratio | 0.72 | 0.54 |
| Max drawdown | -16.1% | -6.3% |
| Volatility | 13.0% | 6.3% |
| Alpha | -0.30% | -0.05% |
| Expense ratio (Direct) | 0.97% | 1.15% |
| AUM | ₹6.9K Cr | ₹4.7K 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 1.15% for the other. Over long horizons a lower TER compounds into a meaningful difference.
Which has performed better over 3 years?
HDFC Retirement Savings Fund - Equity has the higher 3-year CAGR (+11.84%). 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.