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Tata Retirement Savings Fund Conservative Plan Direct Growth
ELSS • 5Y Lock-in
Hybrid
Conservative Hybrid
Moderately High Risk
+9.79%
3Y annualised
+0.25% 1D
NAV: 10 Feb '26
₹37.64
Min. SIP amount
₹500
Fund size
₹170.32 Cr
Expense ratio
1.02%
Return calculator
Monthly SIP
One time
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹61,211 | +2.02% | |
| 3 years | ₹1,80,000 | ₹1,99,824 | +11.01% | |
| 5 years | ₹3,00,000 | ₹3,62,745 | +20.91% |
Holdings (54)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| GOI | Sovereign | GOI Sec | 20.62% |
| GOI | Sovereign | GOI Sec | 9.06% |
| GOI | Sovereign | GOI Sec | 9.00% |
| GOI | Sovereign | GOI Sec | 5.89% |
| GOI | Sovereign | GOI Sec | 5.88% |
| Jamnagar Utilities and Power Pvt. Ltd. | Capital Goods | NCD | 5.83% |
| GOI | Sovereign | GOI Sec | 5.49% |
| GOI | Sovereign | GOI Sec | 3.01% |
| Shivshakti Securitisation Trust | Others | Sec. Debt | 2.92% |
| ICICI Bank Ltd. | Financial | Equity | 1.36% |
| Solar Industries India Ltd. | Chemicals | Equity | 1.35% |
| Reliance Industries Ltd. | Energy | Equity | 1.33% |
| Eternal Ltd. | Services | Equity | 1.17% |
| BSE Ltd. | Services | Equity | 1.11% |
| ITC Ltd. | Consumer Staples | Equity | 1.06% |
| Multi Commodity Exchange Of India Ltd. | Services | Equity | 1.03% |
| HDFC Bank Ltd. | Financial | Equity | 0.98% |
| Nippon Life India Asset Management Ltd. | Financial | Equity | 0.84% |
| DOMS Industries Ltd. | Consumer Staples | Equity | 0.84% |
| HCL Technologies Ltd. | Technology | Equity | 0.81% |
| Tata Consumer Products Ltd. | Consumer Staples | Equity | 0.71% |
| Karur Vysya Bank Ltd. | Financial | Equity | 0.71% |
| Bikaji Foods International Ltd. | Consumer Staples | Equity | 0.70% |
| Radico Khaitan Ltd. | Consumer Staples | Equity | 0.66% |
| Tata Consultancy Services Ltd. | Technology | Equity | 0.66% |
| Kotak Mahindra Bank Ltd. | Financial | Equity | 0.65% |
| Muthoot Finance Ltd. | Financial | Equity | 0.65% |
| 360 One Wam Ltd. | Financial | Equity | 0.64% |
| Titan Company Ltd. | Consumer Discretionary | Equity | 0.63% |
| Oil India Ltd. | Energy | Equity | 0.58% |
| Tata Capital Ltd. | Financial | Equity | 0.58% |
| Mahanagar Gas Ltd. | Energy | Equity | 0.57% |
| Polycab India Ltd. | Capital Goods | Equity | 0.56% |
| Exide Industries Ltd. | Capital Goods | Equity | 0.53% |
| Nestle India Ltd. | Consumer Staples | Equity | 0.52% |
| Billionbrains Garage Ventures Ltd. | Financial | Equity | 0.47% |
| Larsen & Toubro Ltd. | Construction | Equity | 0.46% |
| Adani Ports and Special Economic Zone Ltd. | Services | Equity | 0.45% |
| Bank Of Baroda | Financial | Equity | 0.41% |
| Metro Brands Ltd. | Consumer Staples | Equity | 0.41% |
| Manappuram Finance Ltd. | Financial | Equity | 0.35% |
| Godrej Properties Ltd. | Construction | Equity | 0.34% |
| Kirloskar Pneumatic Company Ltd. | Capital Goods | Equity | 0.33% |
| Rainbow Children's Medicare Ltd. | Healthcare | Equity | 0.33% |
| IDFC First Bank Ltd. | Financial | Equity | 0.32% |
| Shriram Finance Ltd | Financial | Equity | 0.32% |
| HDFC Life Insurance Co Ltd. | Insurance | Equity | 0.30% |
| Coal India Ltd. | Energy | Equity | 0.30% |
| Vedanta Ltd. | Metals & Mining | Equity | 0.29% |
| Coforge Ltd. | Technology | Equity | 0.28% |
| Fujiyama Power Systems Ltd. | Energy | Equity | 0.27% |
| Zensar Technologies Ltd. | Technology | Equity | 0.27% |
| Godrej Industries Ltd. | Consumer Staples | Equity | 0.23% |
| Godrej Agrovet Ltd. | Consumer Staples | Equity | 0.19% |
See All
Minimum investments
Min. for 1st investment
₹5,000
Min. for 2nd investment
₹1,000
Min. for SIP
₹500
Returns and rankings
Annualised returns
Absolute returns
| Name | 3Y | 5Y | 10Y | All |
|---|---|---|---|---|
| Fund returns | +9.8% | +7.6% | +9.5% | +9.7% |
| Category average (Hybrid Conservative Hybrid) | +9.1% | +8.0% | +7.8% | -- |
| Rank (Hybrid Conservative Hybrid) | 20 | 21 | 8 | -- |
Exit load, stamp duty and tax
Exit load
Exit load of 1% if redeemed before 61 months.
Stamp duty on investment: 0.005% (from July 1st, 2020)
from July 1st 2020
Tax implication
Returns are taxed as per your Income Tax slab.
Check past data
Compare similar funds
| Name | 1Y | 3Y | Fund Size(Cr) | |
|---|---|---|---|---|
Parag Parikh Conservative Hybrid Fund Direct Growth | +8.82% | +11.91% | 3,212.39 | |
Kotak Debt Hybrid Fund Direct Growth | +6.77% | +11.32% | 3,043.65 | |
ICICI Prudential Regular Savings Fund Direct Growth | +8.89% | +11.13% | 3,333.86 | |
HDFC Hybrid Debt Fund Direct Growth | +6.51% | +10.41% | 3,321.63 | |
Nippon India Conservative Hybrid Fund Direct Growth | +10.51% | +10.12% | 936.15 | |
| Compare | ||||
Fund management
MNMurthy NagarajanApr 2017 - PresentView details
MN
Murthy Nagarajan
Apr 2017 - Present
View details
SUSonam UdasiApr 2016 - PresentView details
SU
Sonam Udasi
Apr 2016 - Present
View details
About Tata Retirement Savings Fund Conservative Plan Direct Growth
Tata Retirement Savings Fund Conservative Plan Direct Growth is a Hybrid Mutual Fund Scheme launched by Tata Mutual Fund. This scheme was made available to investors on 30 Jun 1995. Murthy Nagarajan is the Current Fund Manager of Tata Retirement Savings Fund Conservative Plan Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹2,16,851 Cr and the Latest NAV as of 10 Feb 2026 is ₹37.64.
The Tata Retirement Savings Fund Conservative Plan Direct Growth is rated Moderately High risk. Minimum SIP Investment is set to ₹500. Minimum Lumpsum Investment is ₹5,000. Exit load of 1% if redeemed before 61 months.
;
Investment Objective
The fund seeks to provide a financial planning tool for long term financial security for investors based on their retirement planning goals.
Fund benchmarkCRISIL Short Term Debt Hybrid 75+25 Index
Fund house
Rank (total assets)#14 in India
Total AUM₹2,16,850.85 Cr
Date of Incorporation30 Jun 1995
Launch Date30 Jun 1995
Address9th Floor, Mafatlal Centre,Nariman Point, Mumbai 400021
Websitewww.camsonline.com
Address7th Floor, Tower II, Rayala Towers, 158, Anna Salai,