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Tata Retirement Savings Fund Conservative Plan Direct Growth
+8.65%
3Y annualised
+0.06% 1D
NAV: 21 Jul '26
₹38.97
Min. for SIP
₹500
Fund size (AUM)
₹168.03 Cr
Expense ratio
1.06%
Rating
2
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹62,263 | +3.77% | |
| 3 years | ₹1,80,000 | ₹1,99,517 | +10.84% | |
| 5 years | ₹3,00,000 | ₹3,64,741 | +21.58% | |
| 10 years | ₹6,00,000 | ₹9,13,692 | +52.28% |
Holdings (58)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 | Entities | GOI Securities | 20.92% |
| GOI Sec 7.17 17/04/2030 | Entities | GOI Securities | 9.17% |
| GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100 | Entities | GOI Securities | 9.07% |
| GOVERNMENT OF INDIA 37080 GOI 16FB31 6.36 FV RS 100 | Entities | GOI Securities | 8.90% |
| GOI Sec 7.36 12/09/2052 | Entities | GOI Securities | 6.00% |
| JAMNAGAR UTILITIES & POWER PRIVATE LIMITED SR PPD 6 6.40 LOA 29SP26 FVRS10LAC | Industrials | Non Convertible Debenture | 5.94% |
| GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 | Entities | GOI Securities | 5.53% |
| SHIVSHAKTI SECURITISATION TRUST SS TRUST PTC 15SEPT25 | Unspecified | Securitised Debt | 2.92% |
| Cash/Net Current Assets | Unspecified | Cash/Net Current Assets | 1.80% |
| Solar Industries India Ltd | Materials | Equity | 1.56% |
| ICICI Bank Ltd | Financial | Equity | 1.47% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 1.25% |
| BSE Ltd | Financial | Equity | 1.14% |
| Coal India Ltd | Materials | Equity | 1.01% |
| Zomato Ltd | Technology | Equity | 0.99% |
| Multi Commodity Exchange Of India Ltd | Financial | Equity | 0.93% |
| Nippon Life India Asset Management Ltd | Financial | Equity | 0.88% |
| Radico Khaitan Ltd | Consumer Staples | Equity | 0.85% |
| DOMS Industries Ltd. | Industrials | Equity | 0.82% |
| Polycab India Ltd | Industrials | Equity | 0.80% |
| Repo | Unspecified | Repo | 0.80% |
| Adani Ports and Special Economic Zone Ltd | Industrials | Equity | 0.78% |
| ITC Ltd | Consumer Staples | Equity | 0.77% |
| Titan Company Ltd | Consumer Discretionary | Equity | 0.71% |
| Bikaji Foods International Ltd | Consumer Staples | Equity | 0.70% |
| Karur Vysya Bank Ltd | Financial | Equity | 0.70% |
| Dixon Technologies (India) Ltd | Consumer Discretionary | Equity | 0.70% |
| Tata Consumer Products Ltd | Consumer Staples | Equity | 0.69% |
| Exide Industries Ltd | Consumer Discretionary | Equity | 0.64% |
| Kotak Mahindra Bank Ltd | Financial | Equity | 0.63% |
| IIFL Wealth Management Ltd | Financial | Equity | 0.62% |
| PB Fintech Ltd | Financial | Equity | 0.61% |
| Kirloskar Pneumatic Company Ltd | Industrials | Equity | 0.58% |
| Nestle India Ltd | Consumer Staples | Equity | 0.56% |
| Muthoot Finance Ltd | Financial | Equity | 0.52% |
| Billionbrains Garage Ventures Ltd. | Financial | Equity | 0.52% |
| Oil India Ltd | Energy & Utilities | Equity | 0.48% |
| Fujiyama Power Systems Ltd. | Energy & Utilities | Equity | 0.45% |
| Godrej Properties Ltd | Real Estate | Equity | 0.41% |
| Rainbow Childrens Medicare Ltd | Healthcare | Equity | 0.41% |
| Sun Pharmaceutical Industries Ltd | Healthcare | Equity | 0.40% |
| Manappuram Finance Ltd | Financial | Equity | 0.40% |
| HCL Technologies Ltd | Technology | Equity | 0.40% |
| GE T&D India Ltd | Industrials | Equity | 0.40% |
| Metro Brands Ltd | Consumer Discretionary | Equity | 0.40% |
| Grindwell Norton Ltd | Materials | Equity | 0.39% |
| Adani Power Ltd | Energy & Utilities | Equity | 0.37% |
| Varun Beverages Ltd | Consumer Staples | Equity | 0.35% |
| Tata Consultancy Services Ltd | Technology | Equity | 0.33% |
| Shriram Transport Finance Company Ltd | Financial | Equity | 0.33% |
| Apollo Hospitals Enterprise Ltd | Healthcare | Equity | 0.33% |
| Maruti Suzuki India Ltd | Consumer Discretionary | Equity | 0.30% |
| Godrej Industries Ltd | Diversified | Equity | 0.28% |
| Bharat Electronics Ltd | Industrials | Equity | 0.26% |
| Glaxosmithkline Pharmaceuticals Ltd | Healthcare | Equity | 0.23% |
| Vedanta Aluminium Metal Ltd | Materials | Equity | 0.22% |
| Godrej Agrovet Ltd | Consumer Staples | Equity | 0.20% |
| Zensar Technologies Ltd | Technology | Equity | 0.18% |
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 | +8.7% | +7.6% | +8.7% | +9.7% |
| Category average (Hybrid Conservative Hybrid) | +9.1% | +8.0% | +7.8% | -- |
| Rank (Hybrid Conservative Hybrid) | 13 | 19 | 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) | |
|---|---|---|---|---|
 | +5.31% | +10.83% | 3,418.90 | |
 | +4.80% | +9.60% | 3,347.77 | |
 | +3.98% | +9.14% | 179.41 | |
 | +4.98% | +9.08% | 10,144.75 | |
 | +7.22% | +8.79% | 967.48 | |
| 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 ₹2,17,682 Cr and the Latest NAV as of 21 Jul 2026 is ₹38.97.
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.
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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₹2,17,681.90 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,