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Tata Retirement Savings Fund Moderate Plan Direct Growth
+13.52%
3Y annualised
-0.46% 1D
NAV: 11 Jun '26
₹76.81
Min. for SIP
₹150
Fund size (AUM)
₹2,145.42 Cr
Expense ratio
0.70%
Rating
2
Return calculator
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹60,711 | +1.19% | |
| 3 years | ₹1,80,000 | ₹2,00,145 | +11.19% | |
| 5 years | ₹3,00,000 | ₹3,91,590 | +30.53% | |
| 10 years | ₹6,00,000 | ₹11,36,564 | +89.43% |
Holdings (66)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| Solar Industries India Ltd | Materials | Equity | 4.40% |
| ICICI Bank Ltd | Financial | Equity | 4.09% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 3.90% |
| BSE Ltd | Financial | Equity | 3.70% |
| Multi Commodity Exchange Of India Ltd | Financial | Equity | 3.29% |
| GOVERNMENT OF INDIA 37080 GOI 16FB31 6.36 FV RS 100 | Entities | GOI Securities | 3.26% |
| Zomato Ltd | Technology | Equity | 2.87% |
| Radico Khaitan Ltd | Consumer Staples | Equity | 2.77% |
| Repo | Unspecified | Repo | 2.59% |
| ITC Ltd | Consumer Staples | Equity | 2.41% |
| HDFC Bank Ltd | Financial | Equity | 2.30% |
| Nippon Life India Asset Management Ltd | Financial | Equity | 2.19% |
| Kirloskar Pneumatic Company Ltd | Industrials | Equity | 2.17% |
| Polycab India Ltd | Industrials | Equity | 2.07% |
| Adani Ports and Special Economic Zone Ltd | Industrials | Equity | 2.05% |
| Titan Company Ltd | Consumer Discretionary | Equity | 2.05% |
| Tata Consumer Products Ltd | Consumer Staples | Equity | 2.03% |
| IIFL Wealth Management Ltd | Financial | Equity | 1.98% |
| Muthoot Finance Ltd | Financial | Equity | 1.91% |
| Karur Vysya Bank Ltd | Financial | Equity | 1.87% |
| Dixon Technologies (India) Ltd | Consumer Discretionary | Equity | 1.85% |
| Kotak Mahindra Bank Ltd | Financial | Equity | 1.66% |
| Rainbow Childrens Medicare Ltd | Healthcare | Equity | 1.65% |
| Nestle India Ltd | Consumer Staples | Equity | 1.61% |
| TATA CAPITAL LIMITED EQ | Financial | Equity | 1.60% |
| DOMS Industries Ltd. | Industrials | Equity | 1.59% |
| Exide Industries Ltd | Consumer Discretionary | Equity | 1.58% |
| Oil India Ltd | Energy & Utilities | Equity | 1.58% |
| Cash/Net Current Assets | Unspecified | Cash/Net Current Assets | 1.55% |
| Bikaji Foods International Ltd | Consumer Staples | Equity | 1.50% |
| Billionbrains Garage Ventures Ltd. | Financial | Equity | 1.46% |
| GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100 | Entities | GOI Securities | 1.44% |
| Godrej Properties Ltd | Real Estate | Equity | 1.41% |
| GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 | Entities | GOI Securities | 1.40% |
| HCL Technologies Ltd | Technology | Equity | 1.38% |
| Metro Brands Ltd | Consumer Discretionary | Equity | 1.37% |
| Coal India Ltd | Materials | Equity | 1.33% |
| Adani Power Ltd | Energy & Utilities | Equity | 1.18% |
| HDFC BANK LIMITED SR US002 7.80 NCD 03MY33 FVRS1LAC | Financial | Debenture | 1.18% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25C 7.44 BD 24FB28 FVRS1LAC | Financial | Bonds | 1.18% |
| Pricol Ltd | Consumer Discretionary | Equity | 1.09% |
| Godrej Industries Ltd | Diversified | Equity | 1.09% |
| Fujiyama Power Systems Ltd. | Energy & Utilities | Equity | 1.02% |
| Manappuram Finance Ltd | Financial | Equity | 1.00% |
| GOI Sec 6.79 26/12/2029 | Entities | GOI Securities | 0.95% |
| Tata Consultancy Services Ltd | Technology | Equity | 0.95% |
| GE T&D India Ltd | Industrials | Equity | 0.95% |
| SHIVSHAKTI SECURITISATION TRUST SS TRUST PTC 15SEPT25 | Unspecified | Securitised Debt | 0.93% |
| Sun Pharmaceutical Industries Ltd | Healthcare | Equity | 0.85% |
| Shriram Transport Finance Company Ltd | Financial | Equity | 0.80% |
| Maruti Suzuki India Ltd | Consumer Discretionary | Equity | 0.79% |
| Bharat Electronics Ltd | Industrials | Equity | 0.79% |
| JAMNAGAR UTILITIES & POWER PRIVATE LIMITED SR PPD 6 6.40 LOA 29SP26 FVRS10LAC | Industrials | Non Convertible Debenture | 0.71% |
| GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 | Entities | GOI Securities | 0.68% |
| Zensar Technologies Ltd | Technology | Equity | 0.63% |
| Godrej Agrovet Ltd | Consumer Staples | Equity | 0.57% |
| CENTRAL GOVERNMENT LOAN 30581 GOI 12JL31 6.1 FV RS 100 | Entities | GOI Securities | 0.53% |
| Grindwell Norton Ltd | Materials | Equity | 0.53% |
| GOI Sec 7.36 12/09/2052 | Entities | GOI Securities | 0.46% |
| Vedanta Ltd | Materials | Equity | 0.35% |
| NHPC LIMITED AA SERIES STRPP D 7.13 LOA 09FB29 FVRS2LAC | Energy & Utilities | Debenture | 0.23% |
| VEDANTA ALUMINIUM LIMITED EQ NEW F.V. RS.2/- | Energy & Utilities | Equity | 0.15% |
| Vedanta Aluminium Metal Ltd. | Materials | Equity | 0.15% |
| Vedanta Iron And Steel Ltd. | Materials | Equity | 0.15% |
| Vedanta Power Ltd. | Industrials | Equity | 0.15% |
| CENTRAL GOVERNMENT LOAN 21176 GOI 14JN29 7.26 FV RS 100 | Entities | GOI Securities | 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 | +13.5% | +11.3% | +13.4% | +14.7% |
| Category average (Hybrid Aggressive Hybrid) | +14.3% | +13.9% | +12.0% | -- |
| Rank (Hybrid Aggressive Hybrid) | 11 | 15 | 7 | -- |
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) | |
|---|---|---|---|---|
 | +0.25% | +15.90% | 50,032.71 | |
 | -0.36% | +14.81% | 3,627.22 | |
 | +1.07% | +13.22% | 84,010.97 | |
 | -1.59% | +12.22% | 3,937.15 | |
 | -4.69% | +11.79% | 2,305.63 | |
| 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 ₹2,25,507 Cr and the Latest NAV as of 11 Jun 2026 is ₹76.81.
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₹2,25,506.60 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,