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Tata Retirement Savings Fund Moderate Plan Direct Growth
ELSS • 5Y Lock-in
Hybrid
Aggressive Hybrid
Very High Risk
+15.62%
3Y annualised
-0.87% 1D
NAV: 02 Mar '26
₹74.38
Min. for SIP
₹150
Fund size
₹2,093.82 Cr
Expense ratio
0.70%
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹59,115 | -1.47% | |
| 3 years | ₹1,80,000 | ₹2,00,782 | +11.55% | |
| 5 years | ₹3,00,000 | ₹3,89,740 | +29.91% | |
| 10 years | ₹6,00,000 | ₹11,36,294 | +89.38% |
Holdings (58)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| GOI | Sovereign | GOI Sec | 5.99% |
| HDFC Bank Ltd. | Financial | Equity | 4.44% |
| Reliance Industries Ltd. | Energy | Equity | 3.84% |
| ICICI Bank Ltd. | Financial | Equity | 3.73% |
| Solar Industries India Ltd. | Chemicals | Equity | 3.59% |
| BSE Ltd. | Services | Equity | 3.49% |
| Eternal Ltd. | Services | Equity | 3.15% |
| Radico Khaitan Ltd. | Consumer Staples | Equity | 2.98% |
| Multi Commodity Exchange Of India Ltd. | Services | Equity | 2.90% |
| ITC Ltd. | Consumer Staples | Equity | 2.49% |
| Tata Consultancy Services Ltd. | Technology | Equity | 2.28% |
| HCL Technologies Ltd. | Technology | Equity | 2.26% |
| Nippon Life India Asset Management Ltd. | Financial | Equity | 2.23% |
| Muthoot Finance Ltd. | Financial | Equity | 2.16% |
| Tata Consumer Products Ltd. | Consumer Staples | Equity | 2.03% |
| Karur Vysya Bank Ltd. | Financial | Equity | 1.94% |
| 360 One Wam Ltd. | Financial | Equity | 1.92% |
| Titan Company Ltd. | Consumer Discretionary | Equity | 1.88% |
| Polycab India Ltd. | Capital Goods | Equity | 1.81% |
| Kotak Mahindra Bank Ltd. | Financial | Equity | 1.67% |
| Kirloskar Pneumatic Company Ltd. | Capital Goods | Equity | 1.66% |
| Oil India Ltd. | Energy | Equity | 1.66% |
| Tata Capital Ltd. | Financial | Equity | 1.66% |
| DOMS Industries Ltd. | Consumer Staples | Equity | 1.66% |
| Rainbow Children's Medicare Ltd. | Healthcare | Equity | 1.51% |
| Nestle India Ltd. | Consumer Staples | Equity | 1.49% |
| Bikaji Foods International Ltd. | Consumer Staples | Equity | 1.47% |
| GOI | Sovereign | GOI Sec | 1.46% |
| GOI | Sovereign | GOI Sec | 1.44% |
| Metro Brands Ltd. | Consumer Staples | Equity | 1.42% |
| Exide Industries Ltd. | Capital Goods | Equity | 1.42% |
| Larsen & Toubro Ltd. | Construction | Equity | 1.35% |
| Billionbrains Garage Ventures Ltd. | Financial | Equity | 1.32% |
| HDFC Bank Ltd. | Financial | Debenture | 1.21% |
| Bank Of Baroda | Financial | Equity | 1.21% |
| Godrej Properties Ltd. | Construction | Equity | 1.18% |
| Godrej Industries Ltd. | Consumer Staples | Equity | 1.12% |
| Pricol Ltd. | Automobile | Equity | 1.05% |
| Manappuram Finance Ltd. | Financial | Equity | 0.98% |
| GOI | Sovereign | GOI Sec | 0.97% |
| Shivshakti Securitisation Trust | Others | Sec. Debt | 0.95% |
| IDFC First Bank Ltd. | Financial | Equity | 0.94% |
| Coforge Ltd. | Technology | Equity | 0.92% |
| Mahanagar Gas Ltd. | Energy | Equity | 0.92% |
| Shriram Finance Ltd | Financial | Equity | 0.88% |
| Adani Ports and Special Economic Zone Ltd. | Services | Equity | 0.88% |
| Coal India Ltd. | Energy | Equity | 0.85% |
| HDFC Life Insurance Co Ltd. | Insurance | Equity | 0.84% |
| Vedanta Ltd. | Metals & Mining | Equity | 0.82% |
| Zensar Technologies Ltd. | Technology | Equity | 0.81% |
| Jamnagar Utilities and Power Pvt. Ltd. | Capital Goods | NCD | 0.71% |
| GOI | Sovereign | GOI Sec | 0.71% |
| Fujiyama Power Systems Ltd. | Energy | Equity | 0.55% |
| GOI | Sovereign | GOI Sec | 0.54% |
| Godrej Agrovet Ltd. | Consumer Staples | Equity | 0.52% |
| GOI | Sovereign | GOI Sec | 0.48% |
| NHPC Ltd. | Energy | Debenture | 0.24% |
| GOI | Sovereign | GOI Sec | 0.10% |
See All
Minimum investments
Min. for 1st investment
₹5,000
Min. for 2nd investment
₹1,000
Min. for SIP
₹150
Returns and rankings
Annualised returns
Absolute returns
| Name | 3Y | 5Y | 10Y | All |
|---|---|---|---|---|
| Fund returns | +15.6% | +11.9% | +14.2% | +14.8% |
| Category average (Hybrid Aggressive Hybrid) | +14.3% | +13.9% | +12.0% | -- |
| Rank (Hybrid Aggressive Hybrid) | 22 | 30 | 9 | -- |
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
If you redeem within one year, returns are taxed at 20%. If you redeem after one year, returns exceeding Rs 1.25 lakh in a financial year are taxed at 12.5%.
Check past data
Compare similar funds
| Name | 1Y | 3Y | Fund Size(Cr) | |
|---|---|---|---|---|
ICICI Prudential Equity & Debt Fund Direct Growth | +16.34% | +19.68% | 49,256.66 | |
Edelweiss Aggressive Hybrid Fund Direct Growth | +14.17% | +18.35% | 3,453.04 | |
DSP Aggressive Hybrid Fund Direct Growth | +10.72% | +16.64% | 11,861.15 | |
Nippon India Aggressive Hybrid Fund Direct Growth | +14.33% | +16.36% | 4,024.55 | |
Franklin India Aggressive Hybrid Fund Direct Growth | +10.47% | +15.67% | 2,340.81 | |
| Compare | ||||
Fund management
MNMurthy NagarajanApr 2017 - PresentView details
MN
Murthy Nagarajan
Apr 2017 - Present
View details
SUSonam UdasiApr 2016 - PresentView details
SU
Sonam Udasi
Apr 2016 - Present
View details
About Tata Retirement Savings Fund Moderate Plan Direct Growth
Tata Retirement Savings Fund Moderate 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. Murthy Nagarajan is the Current Fund Manager of Tata Retirement Savings Fund Moderate Plan Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹2,22,493 Cr and the Latest NAV as of 02 Mar 2026 is ₹74.38.
The Tata Retirement Savings Fund Moderate Plan Direct Growth is rated Very High risk. Minimum SIP Investment is set to ₹150. 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 Hybrid 25+75 Aggressive Index
Fund house
Rank (total assets)#14 in India
Total AUM₹2,22,493.35 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,