Tata Retirement Savings Fund Conservative Plan Direct Growth

Hybrid
Conservative Hybrid
Moderately High Risk
5Y Lock In
7.94%
3Y annualised
-0.54% 1D
1M
6M
1Y
3Y
5Y
All
NAV: 14 Feb 2025₹34.76
Min. SIP amount₹500
Rating2
Fund size₹173.39Cr

Return calculator

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

Returns and rankings

Category: Hybrid Conservative Hybrid
Annualised returns
Absolute returns
1Y3Y5YAll
Fund returns7.4%7.9%8.3%9.8%
Category average7.5%8.1%8.1%NA
Rank with in category232319NA
Understand terms

Peer Comparison

Holdings (58)

NameSectorInstrumentAssets
SovereignGOI Sec8.84%
SovereignGOI Sec8.80%
SovereignGOI Sec6.00%
SovereignGOI Sec5.81%
Capital GoodsNCD5.65%
GOI
SovereignCGL2.97%
GOI
SovereignCGL2.91%
Bharti Telecom Ltd.
CommunicationDebenture2.89%
FinancialEquity2.03%
TechnologyEquity1.49%
Consumer StaplesEquity1.42%
ChemicalsEquity0.93%
ServicesEquity0.89%
ServicesEquity0.85%
EnergyEquity0.85%
Consumer StaplesEquity0.83%
Consumer StaplesEquity0.75%
Consumer StaplesEquity0.72%
EnergyEquity0.72%
FinancialEquity0.64%
FinancialEquity0.61%
TechnologyEquity0.61%
ServicesEquity0.59%
ConstructionEquity0.58%
Capital GoodsEquity0.57%
ServicesEquity0.51%
InsuranceEquity0.50%
Consumer StaplesEquity0.48%
Consumer StaplesEquity0.47%
FinancialEquity0.47%
EnergyEquity0.47%
InsuranceEquity0.46%
Consumer StaplesEquity0.46%
TechnologyEquity0.42%
Capital GoodsEquity0.40%
ServicesEquity0.39%
Consumer DiscretionaryEquity0.37%
TechnologyEquity0.36%
AutomobileEquity0.35%
ServicesEquity0.33%
Capital GoodsEquity0.33%
AutomobileEquity0.32%
FinancialEquity0.31%
Consumer StaplesEquity0.30%
FinancialEquity0.30%
FinancialEquity0.30%
Consumer StaplesEquity0.29%
Consumer StaplesEquity0.28%
InsuranceEquity0.27%
ChemicalsEquity0.27%
TechnologyEquity0.27%
ConstructionEquity0.27%
AutomobileEquity0.25%
Capital GoodsEquity0.24%
ChemicalsEquity0.23%
ServicesEquity0.22%
Capital GoodsEquity0.22%
Consumer StaplesEquity0.21%
See All

Pros and cons

Category: Hybrid Conservative Hybrid

Pros

5Y and 10Y annualised returns higher than category average
Lower expense ratio: 0.97%
Average credit rating of the fund's holdings: AAA This fund has holdings of the highest quality

Cons

Consistently lower annualised returns than category average for the past 1Y and 3Y
Lock-in period: 5Y
Low rating: 2

Expense ratio, exit load and tax

Expense ratio: 0.97%

Inclusive of GST

Exit load

Exit load of 1% if redeemed before 61 months.

Stamp duty

0.005% (from July 1st, 2020)

Tax implication

Returns are taxed as per your Income Tax slab.

Understand terms
Check past data

Minimum investment amounts

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

Fund management

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,

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