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Tata Retirement Savings Fund Moderate Plan Direct Growth
+13.81%
3Y annualised
-0.16% 1D
NAV: 31 Aug '26
₹83.62
Min. for SIP
₹150
Fund size (AUM)
₹2,217.96 Cr
Expense ratio
0.83%
Rating
3
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹64,410 | +7.35% | |
| 3 years | ₹1,80,000 | ₹2,10,428 | +16.90% | |
| 5 years | ₹3,00,000 | ₹4,13,030 | +37.68% | |
| 10 years | ₹6,00,000 | ₹11,96,835 | +99.47% |
Holdings (70)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| ICICI Bank Ltd | Financial | Equity | 4.43% |
| Solar Industries India Ltd | Materials | Equity | 4.40% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 3.40% |
| GOVERNMENT OF INDIA 37080 GOI 16FB31 6.36 FV RS 100 | Entities | GOI Securities | 3.15% |
| Zomato Ltd | Technology | Equity | 3.14% |
| Radico Khaitan Ltd | Consumer Staples | Equity | 2.99% |
| Multi Commodity Exchange Of India Ltd | Financial | Equity | 2.51% |
| Nippon Life India Asset Management Ltd | Financial | Equity | 2.40% |
| Polycab India Ltd | Industrials | Equity | 2.22% |
| IIFL Wealth Management Ltd | Financial | Equity | 2.07% |
| Kirloskar Pneumatic Company Ltd | Industrials | Equity | 2.04% |
| Karur Vysya Bank Ltd | Financial | Equity | 1.95% |
| Rainbow Childrens Medicare Ltd | Healthcare | Equity | 1.91% |
| Exide Industries Ltd | Consumer Discretionary | Equity | 1.88% |
| Adani Ports and Special Economic Zone Ltd | Industrials | Equity | 1.86% |
| Tata Consumer Products Ltd | Consumer Staples | Equity | 1.83% |
| PB Fintech Ltd | Financial | Equity | 1.82% |
| BSE Ltd | Financial | Equity | 1.78% |
| GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100 | Entities | GOI Securities | 1.73% |
| Kotak Mahindra Bank Ltd | Financial | Equity | 1.69% |
| Muthoot Finance Ltd | Financial | Equity | 1.66% |
| Titan Company Ltd | Consumer Discretionary | Equity | 1.66% |
| Dixon Technologies (India) Ltd | Consumer Discretionary | Equity | 1.65% |
| Coal India Ltd | Materials | Equity | 1.63% |
| Nestle India Ltd | Consumer Staples | Equity | 1.59% |
| Godrej Properties Ltd | Real Estate | Equity | 1.54% |
| Cash/Net Current Assets | Unspecified | Cash/Net Current Assets | 1.52% |
| DOMS Industries Ltd. | Industrials | Equity | 1.49% |
| HCL Technologies Ltd | Technology | Equity | 1.48% |
| Godrej Industries Ltd | Diversified | Equity | 1.43% |
| Billionbrains Garage Ventures Ltd. | Financial | Equity | 1.42% |
| Oil India Ltd | Energy & Utilities | Equity | 1.41% |
| GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100 | Entities | GOI Securities | 1.37% |
| GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 | Entities | GOI Securities | 1.35% |
| Bikaji Foods International Ltd | Consumer Staples | Equity | 1.35% |
| Pricol Ltd | Consumer Discretionary | Equity | 1.26% |
| Fujiyama Power Systems Ltd. | Energy & Utilities | Equity | 1.25% |
| Manappuram Finance Ltd | Financial | Equity | 1.21% |
| Repo | Unspecified | Repo | 1.16% |
| HDFC BANK LIMITED SR US002 7.80 NCD 03MY33 FVRS1LAC | Financial | Debenture | 1.14% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25C 7.44 BD 24FB28 FVRS1LAC | Financial | Bonds | 1.13% |
| Sun Pharmaceutical Industries Ltd | Healthcare | Equity | 1.13% |
| Adani Power Ltd | Energy & Utilities | Equity | 1.07% |
| Adani Transmission Ltd | Energy & Utilities | Equity | 1.07% |
| Grasim Industries Ltd | Materials | Equity | 1.01% |
| GOI Sec 6.79 26/12/2029 | Entities | GOI Securities | 0.91% |
| Apollo Hospitals Enterprise Ltd | Healthcare | Equity | 0.91% |
| GE T&D India Ltd | Industrials | Equity | 0.88% |
| SHIVSHAKTI SECURITISATION TRUST SS TRUST PTC 15SEPT25 | Unspecified | Securitised Debt | 0.88% |
| Maruti Suzuki India Ltd | Consumer Discretionary | Equity | 0.87% |
| Tata Consultancy Services Ltd | Technology | Equity | 0.86% |
| Metro Brands Ltd | Consumer Discretionary | Equity | 0.85% |
| RBL Bank Ltd | Financial | Equity | 0.85% |
| Shriram Transport Finance Company Ltd | Financial | Equity | 0.85% |
| The Ramco Cements Ltd | Materials | Equity | 0.82% |
| Varun Beverages Ltd | Consumer Staples | Equity | 0.77% |
| Ather Energy Ltd. | Consumer Discretionary | Equity | 0.76% |
| JAMNAGAR UTILITIES & POWER PRIVATE LIMITED SR PPD 6 6.40 LOA 29SP26 FVRS10LAC | Industrials | Non Convertible Debenture | 0.68% |
| Bharat Electronics Ltd | Industrials | Equity | 0.68% |
| Grindwell Norton Ltd | Materials | Equity | 0.68% |
| GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 | Entities | GOI Securities | 0.66% |
| Zensar Technologies Ltd | Technology | Equity | 0.60% |
| Diamond Power Infrastructure Ltd | Industrials | Equity | 0.58% |
| Vedanta Aluminium Metal Ltd | Materials | Equity | 0.55% |
| CENTRAL GOVERNMENT LOAN 30581 GOI 12JL31 6.1 FV RS 100 | Entities | GOI Securities | 0.52% |
| Glaxosmithkline Pharmaceuticals Ltd | Healthcare | Equity | 0.46% |
| GOI Sec 7.36 12/09/2052 | Entities | GOI Securities | 0.45% |
| Godrej Agrovet Ltd | Consumer Staples | Equity | 0.44% |
| NHPC LIMITED AA SERIES STRPP D 7.13 LOA 09FB29 FVRS2LAC | Energy & Utilities | Debenture | 0.22% |
| 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 | +13.8% | +11.6% | +13.2% | +15.2% |
| Category average (Hybrid Aggressive Hybrid) | +14.3% | +13.9% | +12.0% | -- |
| Rank (Hybrid Aggressive Hybrid) | 12 | 15 | 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) | |
|---|---|---|---|---|
 | +18.14% | +18.51% | 1,840.69 | |
 | +6.99% | +14.83% | 3,907.28 | |
 | +4.61% | +14.82% | 52,432.51 | |
 | +8.44% | +13.50% | 88,560.56 | |
 | +5.81% | +12.14% | 4,073.07 | |
| 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 ₹2,31,572 Cr and the Latest NAV as of 31 Aug 2026 is ₹83.62.
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₹2,31,572.01 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,