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Tata Retirement Savings Fund Moderate Plan Direct Growth
+12.05%
3Y annualised
+0.50% 1D
NAV: 18 Sep '26
₹81.32
Min. for SIP
₹150
Fund size (AUM)
₹2,251.23 Cr
Expense ratio
0.84%
Rating
3
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹63,864 | +6.44% | |
| 3 years | ₹1,80,000 | ₹2,07,343 | +15.19% | |
| 5 years | ₹3,00,000 | ₹4,08,243 | +36.08% | |
| 10 years | ₹6,00,000 | ₹11,81,328 | +96.89% |
Holdings (69)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| Solar Industries India Ltd | Materials | Equity | 4.74% |
| ICICI Bank Ltd | Financial | Equity | 4.42% |
| Zomato Ltd | Technology | Equity | 3.36% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 3.27% |
| Multi Commodity Exchange Of India Ltd | Financial | Equity | 3.13% |
| GOVERNMENT OF INDIA 37080 GOI 16FB31 6.36 FV RS 100 | Entities | GOI Securities | 3.08% |
| Cash/Net Current Assets | Unspecified | Cash/Net Current Assets | 2.94% |
| Radico Khaitan Ltd | Consumer Staples | Equity | 2.51% |
| Repo | Unspecified | Repo | 2.35% |
| IIFL Wealth Management Ltd | Financial | Equity | 2.11% |
| PB Fintech Ltd | Financial | Equity | 2.10% |
| Karur Vysya Bank Ltd | Financial | Equity | 1.95% |
| Kirloskar Pneumatic Company Ltd | Industrials | Equity | 1.94% |
| Polycab India Ltd | Industrials | Equity | 1.89% |
| Exide Industries Ltd | Consumer Discretionary | Equity | 1.81% |
| Kotak Mahindra Bank Ltd | Financial | Equity | 1.79% |
| Rainbow Childrens Medicare Ltd | Healthcare | Equity | 1.75% |
| Sun Pharmaceutical Industries Ltd | Healthcare | Equity | 1.75% |
| Dixon Technologies (India) Ltd | Consumer Discretionary | Equity | 1.72% |
| Tata Consumer Products Ltd | Consumer Staples | Equity | 1.72% |
| Adani Ports and Special Economic Zone Ltd | Industrials | Equity | 1.72% |
| Titan Company Ltd | Consumer Discretionary | Equity | 1.71% |
| GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100 | Entities | GOI Securities | 1.69% |
| Nippon Life India Asset Management Ltd | Financial | Equity | 1.64% |
| BSE Ltd | Financial | Equity | 1.57% |
| Nestle India Ltd | Consumer Staples | Equity | 1.56% |
| Coal India Ltd | Materials | Equity | 1.56% |
| One 97 Communications Ltd | Industrials | Equity | 1.51% |
| Billionbrains Garage Ventures Ltd. | Financial | Equity | 1.50% |
| Fujiyama Power Systems Ltd. | Energy & Utilities | Equity | 1.49% |
| Oil India Ltd | Energy & Utilities | Equity | 1.46% |
| DOMS Industries Ltd. | Industrials | Equity | 1.45% |
| Pricol Ltd | Consumer Discretionary | Equity | 1.43% |
| HCL Technologies Ltd | Technology | Equity | 1.42% |
| GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100 | Entities | GOI Securities | 1.35% |
| Ather Energy Ltd. | Consumer Discretionary | Equity | 1.32% |
| GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 | Entities | GOI Securities | 1.32% |
| Bikaji Foods International Ltd | Consumer Staples | Equity | 1.30% |
| Muthoot Finance Ltd | Financial | Equity | 1.24% |
| Godrej Industries Ltd | Diversified | Equity | 1.21% |
| Apollo Hospitals Enterprise Ltd | Healthcare | Equity | 1.17% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25C 7.44 BD 24FB28 FVRS1LAC | Financial | Bonds | 1.11% |
| HDFC BANK LIMITED SR US002 7.80 NCD 03MY33 FVRS1LAC | Financial | Debenture | 1.10% |
| Grasim Industries Ltd | Materials | Equity | 1.08% |
| Adani Power Ltd | Energy & Utilities | Equity | 0.99% |
| Adani Transmission Ltd | Energy & Utilities | Equity | 0.91% |
| GOI Sec 6.79 26/12/2029 | Entities | GOI Securities | 0.90% |
| Shriram Transport Finance Company Ltd | Financial | Equity | 0.89% |
| SHIVSHAKTI SECURITISATION TRUST SS TRUST PTC 15SEPT25 | Unspecified | Securitised Debt | 0.86% |
| Tata Consultancy Services Ltd | Technology | Equity | 0.86% |
| RBL Bank Ltd | Financial | Equity | 0.85% |
| The Ramco Cements Ltd | Materials | Equity | 0.81% |
| Maruti Suzuki India Ltd | Consumer Discretionary | Equity | 0.81% |
| Varun Beverages Ltd | Consumer Staples | Equity | 0.69% |
| JAMNAGAR UTILITIES & POWER PRIVATE LIMITED SR PPD 6 6.40 LOA 29SP26 FVRS10LAC | Industrials | Non Convertible Debenture | 0.67% |
| GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 | Entities | GOI Securities | 0.65% |
| Grindwell Norton Ltd | Materials | Equity | 0.64% |
| Diamond Power Infrastructure Ltd | Industrials | Equity | 0.61% |
| Metro Brands Ltd | Consumer Discretionary | Equity | 0.59% |
| Manappuram Finance Ltd | Financial | Equity | 0.54% |
| Zensar Technologies Ltd | Technology | Equity | 0.53% |
| Glaxosmithkline Pharmaceuticals Ltd | Healthcare | Equity | 0.52% |
| Vedanta Aluminium Metal Ltd | Materials | Equity | 0.52% |
| CENTRAL GOVERNMENT LOAN 30581 GOI 12JL31 6.1 FV RS 100 | Entities | GOI Securities | 0.51% |
| Godrej Agrovet Ltd | Consumer Staples | Equity | 0.48% |
| GOI Sec 7.36 12/09/2052 | Entities | GOI Securities | 0.43% |
| NHPC LIMITED AA SERIES STRPP D 7.13 LOA 09FB29 FVRS2LAC | Energy & Utilities | Debenture | 0.22% |
| CreditAccess Grameen Ltd | Financial | Equity | 0.19% |
| CENTRAL GOVERNMENT LOAN 21176 GOI 14JN29 7.26 FV RS 100 | Entities | GOI Securities | 0.09% |
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 | +12.1% | +10.3% | +12.9% | +14.9% |
| Category average (Hybrid Aggressive Hybrid) | +14.3% | +13.9% | +12.0% | -- |
| Rank (Hybrid Aggressive Hybrid) | 14 | 17 | 6 | -- |
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) | |
|---|---|---|---|---|
 | +14.27% | +17.29% | 2,050.58 | |
 | -0.51% | +12.79% | 52,454.21 | |
 | +1.17% | +12.75% | 3,997.71 | |
 | +2.86% | +11.56% | 88,667.52 | |
 | -0.33% | +10.23% | 4,072.36 | |
| 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 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. Sonam Udasi 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 ₹2,38,061 Cr and the Latest NAV as of 18 Sep 2026 is ₹81.32.
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₹2,38,061.37 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,