Tata Retirement Savings Fund Conservative Plan Direct Growth

Hybrid
Conservative Hybrid
Moderately High Risk
5Y Lock In
9.33%
3Y annualised
+0.10% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 02 Sep 2025
₹36.93
Rating
2
Min. SIP amount
₹500
Fund size
₹177.52Cr

Return calculator

Monthly SIP
One-Time
₹5,000 per month
Over the past
Total investment of 0
Would have become (%)

Holdings (54)

NameSectorInstrumentAssets
GOI
SovereignGOI Sec20.21%
SovereignGOI Sec8.83%
SovereignGOI Sec8.70%
SovereignGOI Sec5.86%
SovereignGOI Sec5.69%
Capital GoodsNCD5.62%
GOI
SovereignCGL2.92%
Bharti Telecom Ltd.
CommunicationDebenture2.83%
GOI
SovereignCGL2.83%
FinancialEquity2.05%
EnergyEquity1.34%
Consumer StaplesEquity1.28%
ServicesEquity1.26%
ChemicalsEquity1.20%
TechnologyEquity1.08%
ServicesEquity0.98%
Consumer StaplesEquity0.92%
Consumer StaplesEquity0.79%
Consumer StaplesEquity0.76%
EnergyEquity0.76%
FinancialEquity0.75%
FinancialEquity0.69%
FinancialEquity0.67%
Consumer StaplesEquity0.65%
Capital GoodsEquity0.63%
Capital GoodsEquity0.61%
Capital GoodsEquity0.60%
ServicesEquity0.58%
FinancialEquity0.57%
FinancialEquity0.57%
ServicesEquity0.55%
EnergyEquity0.54%
Capital GoodsEquity0.52%
TechnologyEquity0.51%
FinancialEquity0.49%
EnergyEquity0.48%
Consumer StaplesEquity0.47%
ChemicalsEquity0.45%
ConstructionEquity0.44%
ServicesEquity0.44%
Consumer DiscretionaryEquity0.39%
FinancialEquity0.39%
InsuranceEquity0.38%
TechnologyEquity0.37%
Capital GoodsEquity0.37%
Consumer DiscretionaryEquity0.34%
Consumer StaplesEquity0.33%
AutomobileEquity0.32%
FinancialEquity0.30%
Consumer StaplesEquity0.27%
Consumer StaplesEquity0.27%
Consumer StaplesEquity0.26%
TechnologyEquity0.22%
Consumer StaplesEquity0.22%
See All

Minimum investment amounts

Min. for 1st investment₹5,000
Min. for 2nd investment onwards₹1,000
Min. for SIP₹500

Returns and rankings

Category: Hybrid Conservative Hybrid
Annualised returns
Absolute returns
1Y3Y5YAll
Fund returns3.5%9.3%8.8%9.9%
Category average3.8%8.8%8.8%NA
Rank with in category212120NA
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Peer Comparison

Expense ratio, exit load and tax

Expense ratio: 1.00%

Inclusive of GST

Exit load

Exit load of 1% if redeemed before 61 months.

Stamp duty

0.005% (from July 1st, 2020)

Tax implication

If you redeem within two years, returns are taxed as per your Income Tax slab. If you redeem after two years, returns exceeding Rs 1.25 lakh in a financial year are taxed at 12.5%.

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Check past data

Fund management

Murthy Nagarajan
Apr 2017 - Present
View details

Sonam Udasi
Apr 2016 - Present
View details

Education
Mr. Udasi is a B.Com and also holds PGDM(Finance).
Experience
Prior to joining Tata AMC he was associated with ASK Raymond James, JM Financial AMC, Prime Securities, BRICS Securities and IDBI Capital Market Services Ltd.
Also manages these schemes

Fund house & investment objective

Fund house contact details

Address
9th Floor, Mafatlal Centre,Nariman Point, Mumbai 400021
Phone
1800-209-0101
Launch Date
30 Jun 1995
Tata Mutual Fund
Asset Management Company
Custodian
Standard Chartered Bank
Registrar & Transfer Agent
Cams
Address
7th Floor, Tower II, Rayala Towers, 158, Anna Salai,

Pros and cons

Category: Hybrid Conservative Hybrid

Pros

3Y and 10Y annualised returns higher than category average
Lower expense ratio: 1%
Average credit rating of the fund's holdings: AAA This fund has holdings of the highest quality

Cons

1Y and 5Y annualised returns lower than category average
Lock-in period: 5Y
Low rating: 2

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