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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

Returns and rankings

Category: 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

Pros and cons

info
Category: Solution Oriented Retirement
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Pros

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
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Cons

Lower AUM: 187Cr. Funds with lower AUM tend to have higher expense ratio
Lock-in period: 5Y

Expense ratio, exit load and tax

Expense ratio: 1.05%

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, if sold before 3 years. Negligible Tax (20% with indexation benefit) post 3 years.

Understand termsinfo
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

Murthy Nagarajan
Apr 2017 - Present
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Sonam Udasi
Apr 2016 - Present
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Ennette Fernandes
Jun 2018 - Present
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Fund house & investment objective

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Fund house contact details

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