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Tata Retirement Savings Fund Conservative Plan Direct Growth
+8.49%
3Y annualised
-0.08% 1D
NAV: 31 Aug '26
₹39.29
Min. for SIP
₹500
Fund size (AUM)
₹168.88 Cr
Expense ratio
1.05%
Rating
2
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹62,337 | +3.90% | |
| 3 years | ₹1,80,000 | ₹1,99,349 | +10.75% | |
| 5 years | ₹3,00,000 | ₹3,64,717 | +21.57% | |
| 10 years | ₹6,00,000 | ₹9,12,688 | +52.11% |
Holdings (61)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 | Entities | GOI Securities | 20.74% |
| GOI Sec 7.17 17/04/2030 | Entities | GOI Securities | 9.11% |
| GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100 | Entities | GOI Securities | 9.00% |
| GOVERNMENT OF INDIA 37080 GOI 16FB31 6.36 FV RS 100 | Entities | GOI Securities | 8.85% |
| JAMNAGAR UTILITIES & POWER PRIVATE LIMITED SR PPD 6 6.40 LOA 29SP26 FVRS10LAC | Industrials | Non Convertible Debenture | 5.91% |
| GOI Sec 7.36 12/09/2052 | Entities | GOI Securities | 5.86% |
| GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 | Entities | GOI Securities | 5.41% |
| SHIVSHAKTI SECURITISATION TRUST SS TRUST PTC 15SEPT25 | Unspecified | Securitised Debt | 2.89% |
| Cash/Net Current Assets | Unspecified | Cash/Net Current Assets | 1.61% |
| ICICI Bank Ltd | Financial | Equity | 1.53% |
| Solar Industries India Ltd | Materials | Equity | 1.49% |
| Repo | Unspecified | Repo | 1.28% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 1.25% |
| Zomato Ltd | Technology | Equity | 1.13% |
| Coal India Ltd | Materials | Equity | 0.95% |
| Radico Khaitan Ltd | Consumer Staples | Equity | 0.93% |
| Ather Energy Ltd. | Consumer Discretionary | Equity | 0.93% |
| Nippon Life India Asset Management Ltd | Financial | Equity | 0.88% |
| Multi Commodity Exchange Of India Ltd | Financial | Equity | 0.88% |
| Dixon Technologies (India) Ltd | Consumer Discretionary | Equity | 0.82% |
| DOMS Industries Ltd. | Industrials | Equity | 0.80% |
| Exide Industries Ltd | Consumer Discretionary | Equity | 0.74% |
| Polycab India Ltd | Industrials | Equity | 0.73% |
| Adani Ports and Special Economic Zone Ltd | Industrials | Equity | 0.72% |
| Tata Consumer Products Ltd | Consumer Staples | Equity | 0.69% |
| Bikaji Foods International Ltd | Consumer Staples | Equity | 0.68% |
| IIFL Wealth Management Ltd | Financial | Equity | 0.65% |
| BSE Ltd | Financial | Equity | 0.64% |
| Kotak Mahindra Bank Ltd | Financial | Equity | 0.62% |
| PB Fintech Ltd | Financial | Equity | 0.60% |
| Nestle India Ltd | Consumer Staples | Equity | 0.60% |
| Titan Company Ltd | Consumer Discretionary | Equity | 0.57% |
| Karur Vysya Bank Ltd | Financial | Equity | 0.55% |
| Muthoot Finance Ltd | Financial | Equity | 0.54% |
| Oil India Ltd | Energy & Utilities | Equity | 0.53% |
| Fujiyama Power Systems Ltd. | Energy & Utilities | Equity | 0.53% |
| HCL Technologies Ltd | Technology | Equity | 0.50% |
| Billionbrains Garage Ventures Ltd. | Financial | Equity | 0.50% |
| Manappuram Finance Ltd | Financial | Equity | 0.46% |
| Godrej Properties Ltd | Real Estate | Equity | 0.46% |
| Rainbow Childrens Medicare Ltd | Healthcare | Equity | 0.44% |
| Kirloskar Pneumatic Company Ltd | Industrials | Equity | 0.44% |
| Sun Pharmaceutical Industries Ltd | Healthcare | Equity | 0.42% |
| Metro Brands Ltd | Consumer Discretionary | Equity | 0.41% |
| Tata Consultancy Services Ltd | Technology | Equity | 0.38% |
| Grindwell Norton Ltd | Materials | Equity | 0.38% |
| Adani Power Ltd | Energy & Utilities | Equity | 0.35% |
| GE T&D India Ltd | Industrials | Equity | 0.35% |
| Shriram Transport Finance Company Ltd | Financial | Equity | 0.33% |
| Apollo Hospitals Enterprise Ltd | Healthcare | Equity | 0.33% |
| Varun Beverages Ltd | Consumer Staples | Equity | 0.31% |
| Godrej Industries Ltd | Diversified | Equity | 0.31% |
| Maruti Suzuki India Ltd | Consumer Discretionary | Equity | 0.30% |
| The Ramco Cements Ltd | Materials | Equity | 0.29% |
| Glaxosmithkline Pharmaceuticals Ltd | Healthcare | Equity | 0.25% |
| Bharat Electronics Ltd | Industrials | Equity | 0.25% |
| Zensar Technologies Ltd | Technology | Equity | 0.22% |
| Vedanta Aluminium Metal Ltd | Materials | Equity | 0.22% |
| Godrej Agrovet Ltd | Consumer Staples | Equity | 0.20% |
| Adani Transmission Ltd | Energy & Utilities | Equity | 0.18% |
| Diamond Power Infrastructure Ltd | Industrials | Equity | 0.08% |
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 | +8.5% | +7.2% | +8.4% | +9.6% |
| Category average (Hybrid Conservative Hybrid) | +9.1% | +8.0% | +7.8% | -- |
| Rank (Hybrid Conservative Hybrid) | 14 | 20 | 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) | |
|---|---|---|---|---|
 | +5.94% | +10.35% | 3,473.41 | |
 | +4.80% | +9.27% | 3,355.90 | |
 | +5.04% | +9.06% | 179.80 | |
 | +7.74% | +8.90% | 976.82 | |
 | +6.49% | +8.76% | 10,209.90 | |
| Compare | ||||
Fund management
SUSonam UdasiApr 2016 - PresentView details
SU
Sonam Udasi
Apr 2016 - Present
View details
MNMurthy NagarajanApr 2017 - PresentView details
MN
Murthy Nagarajan
Apr 2017 - Present
View details
ASAmit SomaniJun 2026 - PresentView details
AS
Amit Somani
Jun 2026 - 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. Sonam Udasi 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 ₹2,31,572 Cr and the Latest NAV as of 31 Aug 2026 is ₹39.29.
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₹2,31,572.01 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,