Name: Tata Retirement Savings Fund Conservative Plan Direct Growth
Brand: Tata Mutual Fund

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Tata Retirement Savings Fund Conservative Plan Direct Growth
Solution Oriented
Retirement
Moderately High Risk
5Y Lock Inlock
12.09%
3Y annualised
-0.68% 1D
1M
6M
1Y
3Y
5Y
All
 NAV: 20 Oct 2021₹28.27
Min. SIP amount₹500
Rating4star
Fund size₹187.68 Cr
Understand termsAnnualised returnsAverage of the yearly returns of a mutual fund over a given period.
Absolute returnsThe total return of a mutual fund over a given period.
Returns and rankingsCategory: Solution Oriented Retirement
Annualised returns
Absolute returns
1Y3Y5YAll
Fund returns14.4%12.1%9.8%11.1%
Category average14.2%7.4%7.4%NA
Rank with in category1875NA
Understand termsinfo
Holdings (61)NameSectorInstrumentAssets
GOI
SovereignGOI Sec14.1%
GOI
SovereignGOI Sec5.7%
Power Finance Corporation Ltd.
FinancialNCD5.6%
Bajaj Housing Finance Ltd.
FinancialDebenture5.3%
Cholamandalam Investment & Finance Company Ltd.
FinancialCP5.2%
GOI
SovereignGOI Sec5.0%
Varanasi Sangam Expressway Pvt. Ltd.
ConstructionNCD4.3%
GOI
SovereignCGL3.2%
GOI
SovereignCGL2.9%
GOI
SovereignGOI Sec2.9%
See All
DisclaimerThis content is derived from publicly available information, internal sources, and other third-party sources believed to be reliable. We, at Nextbillion Technology Pvt. Ltd. (Groww), do not guarantee the accuracy of such information, or assure its completeness, or warrant that such information will not be changed.
All comparisons are done with the category average metrics for this category.
Pros and consinfo
Category: Solution Oriented Retirement
thumb_up_altPros
Consistently higher annualised returns than category average for the past 1Y, 3Y and 5Y
Higher alpha: 1.84
The fund has generated returns higher than benchmark - CRISIL Short Term Debt Hybrid 75+25 Index - in the last 3Y 
Lower expense ratio: 1.05%
Average credit rating of the fund's holdings: AAA
This fund has holdings of the highest quality
thumb_down_altCons
Lower AUM: 187Cr.
Funds with lower AUM tend to have higher expense ratio
Lock-in period: 5Y
Understand termsExpense ratioA fee payable to a mutual fund house for managing your mutual fund investments. It is the total percentage of a company’s fund assets used for administrative, management, advertising, and other expenses.
TaxA percentage of your capital gains payable to the government upon exiting your mutual fund investments. Taxation is categorized as long-term capital gains (LTCG) and short-term capital gains (STCG) depending on your holding period and the type of fund.
Exit loadA fee payable to a mutual fund house for exiting a fund (fully or partially) before the completion of a specified period from the date of investment.
Stamp dutyA form of tax payable for the purchase or sale of an asset or security. 
Past expense ratio & exit load
Expense ratio
Exit load
31 Aug 2021 - Present
1.05%
31 Jul 2021 - 31 Aug 2021
1.05%
30 Jun 2021 - 31 Jul 2021
1.10%
31 May 2021 - 30 Jun 2021
1.10%
30 Apr 2021 - 31 May 2021
1.04%
31 Mar 2021 - 30 Apr 2021
1.05%
28 Feb 2021 - 31 Mar 2021
1.07%
31 Jan 2021 - 28 Feb 2021
1.07%
31 Dec 2020 - 31 Jan 2021
1.07%
30 Nov 2020 - 31 Dec 2020
1.05%
31 Oct 2020 - 30 Nov 2020
1.05%
30 Sep 2020 - 31 Oct 2020
1.05%
31 Aug 2020 - 30 Sep 2020
1.05%
31 Jul 2020 - 31 Aug 2020
1.05%
30 Jun 2020 - 31 Jul 2020
1.05%
31 May 2020 - 30 Jun 2020
1.05%
30 Apr 2020 - 31 May 2020
1.05%
31 Mar 2020 - 30 Apr 2020
1.08%
29 Feb 2020 - 31 Mar 2020
1.08%
31 Jan 2020 - 29 Feb 2020
1.08%
31 Dec 2019 - 31 Jan 2020
1.08%
30 Nov 2019 - 31 Dec 2019
1.08%
31 Oct 2019 - 30 Nov 2019
1.08%
30 Sep 2019 - 31 Oct 2019
1.08%
31 Aug 2019 - 30 Sep 2019
1.08%
31 Jul 2019 - 31 Aug 2019
1.08%
30 Jun 2019 - 31 Jul 2019
1.08%
31 May 2019 - 30 Jun 2019
1.21%
30 Apr 2019 - 31 May 2019
1.21%
31 Mar 2019 - 30 Apr 2019
1.11%
28 Feb 2019 - 31 Mar 2019
1.08%
31 Jan 2019 - 28 Feb 2019
1.08%
31 Dec 2018 - 31 Jan 2019
1.08%
30 Nov 2018 - 31 Dec 2018
1.09%
31 Oct 2018 - 30 Nov 2018
1.07%
30 Sep 2018 - 31 Oct 2018
1.07%
31 Aug 2018 - 30 Sep 2018
1.10%
31 Jul 2018 - 31 Aug 2018
0.95%
30 Jun 2018 - 31 Jul 2018
1.11%
31 May 2018 - 30 Jun 2018
1.28%
30 Apr 2018 - 31 May 2018
1.28%
31 Mar 2018 - 30 Apr 2018
1.28%
31 Jan 2018 - 31 Mar 2018
1.27%
31 Dec 2017 - 31 Jan 2018
1.26%
30 Nov 2017 - 31 Dec 2017
1.25%
31 Oct 2017 - 30 Nov 2017
1.24%
Expense ratio, exit load and taxExpense ratio: 1.05%Inclusive of GST
Exit loadExit load of 1% if redeemed before 61 months.
Stamp duty0.005% (from July 1st, 2020)
Tax implicationReturns are taxed as per your Income Tax slab, if sold before 3 years. Negligible Tax (20% with indexation benefit) post 3 years.
Understand termsinfo
Check past data
Minimum investment amountsMin. for 1st investment₹5,000
Min. for 2nd investment onwards₹1,000
Min. for SIP₹500
Fund managementMurthy Nagarajan
Apr 2017 - Present
View details
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Education
Mr. Nagarajan is a M.Com, ICWA and PGPMS.
Experience
Prior to joining Tata AMC he has worked with Quantum AMC as head fixed income, Mirae Asset Global Investment India Ltd..
Also manages these schemes
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Tata Hybrid Equity Fund Regular IDCW
Tata Short Term Bond Fund Regular IDCW Monthly
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Tata Medium Term Fund Regular IDCW Quarterly
Tata Equity Savings Fund Regular IDCW Monthly
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Tata Gilt Retirement Plan280225 IDCW
Tata Equity Savings Fund Regular IDCW
Tata Hybrid Equity Fund Regular IDCW Monthly
Tata Retirement Savings Fund Progressive Plan Regular Growth
Tata Retirement Savings Fund Moderate Plan Regular Growth
Tata Retirement Savings Fund Conservative Plan Regular Growth
Tata Hybrid Equity Fund Direct Plan Growth
Tata Hybrid Equity Fund Direct Plan IDCW Monthly
Tata Hybrid Equity Fund Direct Plan IDCW
Tata Medium Term Fund Direct IDCW Quarterly
Tata Medium Term Fund Direct Growth
Tata Retirement Savings Fund Progressive Plan Direct Growth
Tata Retirement Savings Fund Moderate Plan Direct Growth
Tata Retirement Savings Fund Conservative Plan Direct Growth
Tata Short Term Bond Direct Plan Growth
Tata Short Term Bond Direct Plan IDCW Monthly
Tata Gilt Securities Fund Direct Growth
Tata Gilt Securities Fund Direct IDCW Quarterly
Tata Equity Savings Fund Direct IDCW Monthly
Tata Equity Savings Fund Direct IDCW
Tata Equity Savings Fund Direct Growth
Tata Short Term Bond Direct Plan IDCW
Tata Short Term Bond Fund Regular IDCW
Tata Medium Term Fund Segregated Portfolio 1 Regular Growth
Tata Multi Asset Opportunities Fund Direct IDCW
Tata Multi Asset Opportunities Fund Regular Growth
Tata Multi Asset Opportunities Fund Direct Growth
Tata Dividend Yield Fund Direct Growth
Tata Dividend Yield Fund Regular Growth
Sonam Udasi
Apr 2016 - Present
View details
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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 (Jun 2005-Jan 2006) as Lead Analyst (Reporting to Head Research), JM Financial AMC (Feb 2006-June 2007) as Senior Analyst (Reporting to CIO), Prime Securities (Aug 2007-Oct 2008) as Head Research (Reporting to President), BRICS Securities (Nov 2008-Apr 2010) as Consumer Vertical (Reporting to Head Equities) and IDBI Capital Market Services Ltd (Jun 2010-March 2014) as Head Research (Reporting to Executive VP).
Also manages these schemes
Tata Young Citizens Regular
Tata Index Nifty Regular
Tata Equity PE Fund Regular Growth
Tata Index Sensex Regular
Tata Equity PE Fund IDCW Trigger Option B Regular IDCW
Tata Equity PE Fund IDCW Trigger Option A Regular IDCW
Tata Retirement Savings Fund Progressive Plan Regular Growth
Tata Retirement Savings Fund Moderate Plan Regular Growth
Tata Retirement Savings Fund Conservative Plan Regular Growth
Tata Equity PE Fund Direct Growth
Tata Equity PE Fund IDCW Trigger Option A Direct IDCW
Tata Equity PE Fund IDCW Trigger Option B Direct IDCW
Tata Retirement Savings Fund Progressive Plan Direct Growth
Tata Retirement Savings Fund Moderate Plan Direct Growth
Tata Retirement Savings Fund Conservative Plan Direct Growth
Tata Index Sensex Direct
Tata Index Nifty Direct
Tata Banking and Financial Services Fund Direct IDCW
Tata Banking and Financial Services Fund Regular IDCW
Tata Banking and Financial Services Fund Direct Growth
Tata Banking and Financial Services Fund Regular Growth
Tata India Consumer Fund Regular IDCW
Tata India Consumer Fund Regular Growth
Tata India Consumer Fund Direct Growth
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Tata Value Fund Series 1 Direct Growth
Tata Value Fund Series 1 Regular Growth
Tata Value Fund Series 1 Regular IDCW
Tata Value Fund Series 2 Direct IDCW
Tata Value Fund Series 2 Regular Growth
Tata Value Fund Series 2 Direct Growth
Tata Value Fund Series 2 Regular IDCW
Tata Flexi Cap Fund Direct IDCW
Tata Flexi Cap Fund Regular IDCW
Tata Flexi Cap Fund Direct Growth
Tata Flexi Cap Fund Regular Growth
Tata Balanced Advantage Fund Regular Growth
Tata Balanced Advantage Fund Direct Growth
Ennette Fernandes
Jun 2018 - Present
View details
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Education
Ms. Fernandes is B.com & PGDBM
Experience
Prior to joining Canara Robeco Mutual Fund she has worked with Tata Asset Management Limited and Philip Capital (India) Pvt. Ltd.
Also manages these schemes
Tata Ethical Fund Regular Growth
Tata India Tax Savings Fund IDCW
Tata Large Cap Fund Regular Growth
Tata Young Citizens Regular
Tata Ethical Fund Regular IDCW
Tata Large Cap Fund Regular IDCW
Tata Midcap Growth Fund Regular IDCW
Tata Midcap Growth Fund Regular Growth
Canara Robeco Equity Hybrid Fund Regular Growth
Canara Robeco Equity Hybrid Fund Regular IDCW Monthly
Canara Robeco Consumer Trends Fund Regular Growth
Canara Robeco Consumer Trends Fund Regular IDCW
Tata Retirement Savings Fund Progressive Plan Regular Growth
Tata Retirement Savings Fund Moderate Plan Regular Growth
Tata Retirement Savings Fund Conservative Plan Regular Growth
Canara Robeco Equity Hybrid Fund Direct IDCW Monthly
Canara Robeco Equity Hybrid Fund Direct Growth
Canara Robeco Consumer Trends Fund Direct Growth
Canara Robeco Consumer Trends Fund Direct IDCW
Tata Large Cap Direct Plan IDCW
Tata Large Cap Direct Plan Growth
Tata Ethical Direct Plan IDCW
Tata Ethical Direct Plan Growth
Tata Midcap Growth Direct Plan IDCW
Tata Midcap Growth Direct Plan Growth
Tata Retirement Savings Fund Progressive Plan Direct Growth
Tata Retirement Savings Fund Moderate Plan Direct Growth
Tata Retirement Savings Fund Conservative Plan Direct Growth
Tata India Tax Savings Fund Direct IDCW
Tata India Tax Savings Fund Direct Growth
Tata India Tax Savings Fund Growth
Tata India Consumer Fund Regular IDCW
Tata India Consumer Fund Regular Growth
Tata India Consumer Fund Direct Growth
Tata India Consumer Fund Direct IDCW
Tata Focused Equity Fund Direct Growth
Tata Focused Equity Fund Direct IDCW
Tata Focused Equity Fund Regular Growth
Tata Focused Equity Fund Regular IDCW
Fund house & investment objective
keyboard_arrow_down
Tata Mutual Fund
Rank (total assets)#14 in India
Total AUM61,612.23 Cr
Date of Incorporation30 Jun 1995
Tata Retirement Savings Fund Conservative Plan Direct Growth is a Solution Oriented Mutual Fund Scheme launched by Tata Mutual Fund. This scheme was m
Tata Retirement Savings Fund Conservative Plan Direct Growth is a Solution Oriented Mutual Fund Scheme launched by Tata Mutual Fund. This scheme was made available to investors on 30 Jun 1995. Murthy Nagarajan, 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 ₹61,612 Cr and the Latest NAV as of 20 Oct 2021 is ₹28.27.
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 5000. Exit load of 1% if redeemed before 61 months....Read more
Investment Objective
The fund seeks to provide a financial planning tool for long term financial security for investors based on their retirement planning goals.
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
descriptionScheme Information Document(SID)
Fund house contact details
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Address
Mafatlal Centre, 9th Floor, Nariman Point Mumbai 400021
Phone
022 6657 8282
Launch Date
30 Jun 1995
E-mail
[email protected]
Website
NA
Tata Mutual Fund
Asset Management Company
Custodian
Standard Chartered Bank
Registrar & Transfer Agent
Cams
Address
7th Floor, Tower II, Rayala Towers, 158, Anna Salai,
Email
[email protected]
Website
www.camsonline.com
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	1Y	3Y	5Y	All
Fund returns	14.4%	12.1%	9.8%	11.1%
Category average	14.2%	7.4%	7.4%	NA
Rank with in category	18	7	5	NA

Name	Sector	Instrument	Assets
GOI	Sovereign	GOI Sec	14.1%
GOI	Sovereign	GOI Sec	5.7%
Power Finance Corporation Ltd.	Financial	NCD	5.6%
Bajaj Housing Finance Ltd.	Financial	Debenture	5.3%
Cholamandalam Investment & Finance Company Ltd.	Financial	CP	5.2%
GOI	Sovereign	GOI Sec	5.0%
Varanasi Sangam Expressway Pvt. Ltd.	Construction	NCD	4.3%
GOI	Sovereign	CGL	3.2%
GOI	Sovereign	CGL	2.9%
GOI	Sovereign	GOI Sec	2.9%

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

Rating	4
Fund size	₹187.68 Cr