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Invest in direct mutual funds at zero charges via lump sump investments or SIPs
Tata Retirement Savings Fund Moderate Plan Direct Growth
+11.39%
3Y annualised
+0.79% 1D
NAV: 12 Oct '26
₹78.49
Min. for SIP
₹150
Fund size (AUM)
₹2,115.03 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 | ₹60,496 | +0.83% | |
| 3 years | ₹1,80,000 | ₹1,94,771 | +8.21% | |
| 5 years | ₹3,00,000 | ₹3,84,010 | +28.00% | |
| 10 years | ₹6,00,000 | ₹11,08,485 | +84.75% |
Holdings (68)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| Solar Industries India Ltd | Materials | Equity | 4.74% |
| ICICI Bank Ltd | Financial | Equity | 4.27% |
| Repo | Unspecified | Repo | 3.95% |
| Zomato Ltd | Technology | Equity | 3.49% |
| Multi Commodity Exchange Of India Ltd | Financial | Equity | 3.23% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 3.23% |
| Cash/Net Current Assets | Unspecified | Cash/Net Current Assets | 2.91% |
| Radico Khaitan Ltd | Consumer Staples | Equity | 2.60% |
| GOVERNMENT OF INDIA 37080 GOI 16FB31 6.36 FV RS 100 | Entities | GOI Securities | 2.09% |
| Adani Ports and Special Economic Zone Ltd | Industrials | Equity | 2.07% |
| IIFL Wealth Management Ltd | Financial | Equity | 1.97% |
| Kirloskar Pneumatic Company Ltd | Industrials | Equity | 1.95% |
| Karur Vysya Bank Ltd | Financial | Equity | 1.93% |
| Kotak Mahindra Bank Ltd | Financial | Equity | 1.90% |
| Exide Industries Ltd | Consumer Discretionary | Equity | 1.81% |
| GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100 | Entities | GOI Securities | 1.77% |
| Coal India Ltd | Materials | Equity | 1.75% |
| Rainbow Childrens Medicare Ltd | Healthcare | Equity | 1.73% |
| One 97 Communications Ltd | Industrials | Equity | 1.71% |
| Sun Pharmaceutical Industries Ltd | Healthcare | Equity | 1.70% |
| Tata Consumer Products Ltd | Consumer Staples | Equity | 1.68% |
| Titan Company Ltd | Consumer Discretionary | Equity | 1.64% |
| Dixon Technologies (India) Ltd | Consumer Discretionary | Equity | 1.62% |
| Nippon Life India Asset Management Ltd | Financial | Equity | 1.59% |
| BSE Ltd | Financial | Equity | 1.58% |
| Billionbrains Garage Ventures Ltd. | Financial | Equity | 1.53% |
| Polycab India Ltd | Industrials | Equity | 1.48% |
| DOMS Industries Ltd. | Industrials | Equity | 1.46% |
| Nestle India Ltd | Consumer Staples | Equity | 1.45% |
| Oil India Ltd | Energy & Utilities | Equity | 1.44% |
| GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100 | Entities | GOI Securities | 1.43% |
| Pricol Ltd | Consumer Discretionary | Equity | 1.42% |
| HCL Technologies Ltd | Technology | Equity | 1.41% |
| GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 | Entities | GOI Securities | 1.39% |
| Fujiyama Power Systems Ltd. | Energy & Utilities | Equity | 1.37% |
| PB Fintech Ltd | Financial | Equity | 1.27% |
| Muthoot Finance Ltd | Financial | Equity | 1.22% |
| VEDANTA LTD.** | Materials | Non Convertible Debenture | 1.18% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25C 7.44 BD 24FB28 FVRS1LAC | Financial | Bonds | 1.18% |
| Godrej Industries Ltd | Diversified | Equity | 1.18% |
| HDFC BANK LIMITED SR US002 7.80 NCD 03MY33 FVRS1LAC | Financial | Debenture | 1.17% |
| Ather Energy Ltd. | Consumer Discretionary | Equity | 1.16% |
| Bikaji Foods International Ltd | Consumer Staples | Equity | 1.15% |
| Apollo Hospitals Enterprise Ltd | Healthcare | Equity | 1.15% |
| Adani Power Ltd | Energy & Utilities | Equity | 1.08% |
| Grasim Industries Ltd | Materials | Equity | 1.04% |
| RBL Bank Ltd | Financial | Equity | 0.96% |
| GOI Sec 6.79 26/12/2029 | Entities | GOI Securities | 0.95% |
| Adani Transmission Ltd | Energy & Utilities | Equity | 0.90% |
| SHIVSHAKTI SECURITISATION TRUST SS TRUST PTC 15SEPT25 | Unspecified | Securitised Debt | 0.90% |
| Varun Beverages Ltd | Consumer Staples | Equity | 0.85% |
| Shriram Transport Finance Company Ltd | Financial | Equity | 0.84% |
| The Ramco Cements Ltd | Materials | Equity | 0.83% |
| Tata Consultancy Services Ltd | Technology | Equity | 0.79% |
| Maruti Suzuki India Ltd | Consumer Discretionary | Equity | 0.76% |
| Grindwell Norton Ltd | Materials | Equity | 0.68% |
| GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 | Entities | GOI Securities | 0.68% |
| Diamond Power Infrastructure Ltd | Industrials | Equity | 0.66% |
| Manappuram Finance Ltd | Financial | Equity | 0.54% |
| CENTRAL GOVERNMENT LOAN 30581 GOI 12JL31 6.1 FV RS 100 | Entities | GOI Securities | 0.53% |
| Vedanta Aluminium Metal Ltd | Materials | Equity | 0.53% |
| Zensar Technologies Ltd | Technology | Equity | 0.52% |
| Godrej Agrovet Ltd | Consumer Staples | Equity | 0.52% |
| Glaxosmithkline Pharmaceuticals Ltd | Healthcare | Equity | 0.51% |
| GOI Sec 7.36 12/09/2052 | Entities | GOI Securities | 0.46% |
| NHPC LIMITED AA SERIES STRPP D 7.13 LOA 09FB29 FVRS2LAC | Energy & Utilities | Debenture | 0.23% |
| CreditAccess Grameen Ltd | Financial | Equity | 0.19% |
| 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 | +11.4% | +9.2% | +12.3% | +14.5% |
| Category average (Hybrid Aggressive Hybrid) | +10.6% | +9.3% | +11.7% | +13.0% |
| Rank (Hybrid Aggressive Hybrid) | 14 | 18 | 8 | -- |
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) | |
|---|---|---|---|---|
 | +13.16% | +16.89% | 2,050.58 | |
 | -2.79% | +12.34% | 50,706.13 | |
 | -0.63% | +12.33% | 3,874.95 | |
 | -0.17% | +11.28% | 86,162.80 | |
 | -2.70% | +9.68% | 3,856.85 | |
| 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 ₹2,24,588 Cr and the Latest NAV as of 12 Oct 2026 is ₹78.49.
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₹2,24,588.36 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,