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Tata Retirement Savings Fund -Conservative Regular Plan - Growth

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Fund info
NAV (as on 2025-07-18)
31.85 -0.07%
AUM (Fund Size)
59
Expense Ratio
2.18%
Exit load
A) If redeemed / switched-out on or after attainment of retirement age i.e. 60 years of age - Nil. B) In case of Auto switch-out of units on occurrence of “Auto-switch trigger event” - Nil. C) 1% -If redeemed before 61 months from the date of allotment.
Risk
Moderately High
AMC
Tata Mutual Fund
View AMC Details

SIP Returns

Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-07-11 ₹1,000.00 ₹1,003.06
0.31 %
Two Week 2025-07-03 ₹1,000.00 ₹997.18
-0.28 %
One Month 2025-06-18 ₹1,000.00 ₹1,006.01
0.60 %
Three Months 2025-04-21 ₹3,000.00 ₹3,048.48
1.62 %
Six Months 2025-01-20 ₹6,000.00 ₹6,210.62
3.51 %
One Year 2024-07-18 ₹12,000.00 ₹12,457.09
3.81 %
Three Year 2022-07-19 ₹36,000.00 ₹41,463.50
15.18 %
Five Year 2020-07-20 ₹60,000.00 ₹73,670.81
22.78 %
Ten Year 2015-07-21 ₹120,000.00 ₹180,695.43
50.58 %
Since Inception 2011-11-01 ₹167,000.00 ₹305,143.29
82.72 %

Return Calculator

SIP Amount
1M
6M
1Y
3Y
5Y
Investment
₹0
Maturity Value
₹0
Abs. Returns
0
Current CAGR
0

Portfolio

Allocation of Equity and Debt Asset Classes.

Equity 7%
Debt 58%
Others 5%

Sectors Holding in Tata Retirement Savings Fund -Conservative Regular Plan - Growth

Banks
2%
Petroleum Products
1%
Chemicals & Petrochemicals
1%
Capital Markets
1%
Diversified FMCG
1%
IT - Software
1%
Retailing
0%
Beverages
0%
Household Products
0%
Food Products
0%
Gas
0%
Transport Infrastructure
0%
Agricultural Food & Other Products
0%
Consumer Durables
0%
Auto Components
0%
Cement & Cement Products
0%
Finance
0%
Oil
0%
Industrial Products
0%
Insurance
0%
Industrial Manufacturing
0%
Automobiles
0%
Fertilizers & Agrochemicals
0%
Diversified
0%
Realty
0%
Other
64%

Companies Holding in Tata Retirement Savings Fund -Conservative Regular Plan - Growth

HDFC BANK LTD
2.27%
RELIANCE INDUSTRIES LTD
1.37%
SOLAR INDUSTRIES INDIA LTD
1.36%
BSE LTD
1.31%
ITC LTD
1.30%
TATA CONSULTANCY SERVICES LTD
1.23%
ETERNAL LTD
0.98%
RADICO KHAITAN LTD
0.86%
DOMS INDUSTRIES LTD
0.83%
BIKAJI FOODS INTERNATIONAL LTD
0.78%
MAHANAGAR GAS LTD
0.74%
ADANI PORTS AND SPECIAL ECONOMIC ZONE LTD
0.73%
NIPPON LIFE INDIA ASSET MANAGEMENT LTD
0.68%
TATA CONSUMER PRODUCTS LTD
0.67%
ICICI BANK LTD
0.65%
HAVELLS INDIA LTD
0.62%
EXIDE INDUSTRIES LTD
0.61%
KARUR VYSYA BANK LTD
0.58%
GAIL ( INDIA ) LTD
0.58%
DIXON TECHNOLOGIES (INDIA) LTD
0.55%
360 ONE WAM LTD
0.54%
NUVOCO VISTAS CORPORATION LTD
0.52%
BAJAJ FINSERV LTD
0.51%
TRENT LTD
0.49%
MUTHOOT FINANCE LTD
0.49%
NESTLE INDIA LTD
0.47%
OIL INDIA LTD
0.47%
POLYCAB INDIA LTD
0.46%
METRO BRANDS LTD
0.45%
HDFC LIFE INSURANCE CO. LTD
0.39%
HCL TECHNOLOGIES LTD
0.39%
ZENSAR TECHNOLOGIES LTD
0.38%
JUPITER WAGONS LTD
0.37%
TITAN COMPANY LTD
0.36%
KIRLOSKAR PNEUMATIC COMPANY LTD
0.35%
MULTI COMMODITY EXCHANGE OF IND LTD
0.35%
UTI ASSET MANAGEMENT COMPANY LTD
0.35%
HERO MOTOCORP LTD
0.33%
AMBER ENTERPRISES INDIA LTD
0.32%
UNITED SPIRITS LTD
0.31%
PRICOL LTD
0.30%
GODREJ AGROVET LTD
0.30%
CAMPUS ACTIVEWEAR LTD
0.30%
ASTEC LIFESCIENCES LTD
0.29%
ICICI LOMBARD GENERAL INSURANCE CO. LTD
0.27%
GODREJ INDUSTRIES LTD
0.27%
MASTEK LTD
0.24%
SUNTECK REALTY LTD
0.23%
GOI - 6.79% (07/10/2034)
20.42%
GOI - 7.17% (17/04/2030)
8.90%
GOI - 7.38% (20/06/2027)
8.72%
GOI - 7.36% (12/09/2052)
6.02%
GOI - 7.27% (08/04/2026)
5.70%
GOI 8.24% 15/02/2027
2.93%
GOI - 8.20% (24/09/2025)
2.84%
06.40 % JAMNAGAR UTILITIES & POWER PVT. LTD - 29/09/2026
5.61%
08.60 % BHARTI TELECOM LTD - 12/12/2025
2.83%
B) REPO
5.29%
CASH / NET CURRENT ASSET
1.54%

Risk Ratios

Std. Deviation N/A
Beta N/A
Sharpe Ratio N/A
Lock In Period N/A
Residual Maturity N/A

Standard Deviation:

Standard deviation numbers measure the variability or volatility of a fund's returns over a specific time period (often 3 years).
  • Low standard deviation = Stable, predictable returns → Suitable for conservative investors seeking stability.
  • High standard deviation = High volatility, more risk → Be cautious, suitable for risk-tolerant investors who can handle fluctuations.

Beta:

Beta measures a fund's volatility about the market or a benchmark. A lower beta means the fund's performance is less sensitive to market movements, making it more predictable compared to the market.
  • Low beta = Less sensitive to market changes → Great for investors with less market exposure.
  • High beta = More sensitive to market changes → Better for aggressive investors who seek higher returns but can handle market risks.

Sharpe Ratio:

The Sharpe Ratio measures how much return a fund has made compared to the risk it carries. A higher Sharpe ratio indicates better returns relative to the risk taken, meaning the fund delivers more efficiently.
  • A higher Sharpe ratio indicates better risk-adjusted returns → Look for funds with higher ratios for better return efficiency.
  • Use it to compare different funds' efficiency in generating returns relative to the risk taken.

Lock-In Period:

India's "lock-in period" in mutual funds encourages long-term investment, particularly in tax-saving schemes preventing redemption or selling of units.

Lock-in times for various investment types

  • Most ELSS mutual fund holders hold for 3 years.
  • Tax savings FDs lock in for 5 years.
  • The lock-in period for 8% Government of India bond investment is 6 years.
  • ULIPs must be locked in for 5 years.
  • The average hedge fund holding period is 30-90 days.
  • The average PPF investor holds onto their money for 15 years.

Residual Maturity:

Residual maturity is the remaining time until a security reaches its maturity date. It is an important factor for investors to consider when evaluating the risk associated with an investment.

There are two different types of residual maturity.

  • Short-term residual maturity: This occurs when a security has less than a year left on its maturity.
  • Long-term residual maturity: This occurs when a security has more than a year left on its remaining maturity.

Risk-O-Meter

Investors understand that their principal will be at
Moderately High

Scheme Details

Min. SIP Amount
N/A
Min. Lumpsum Amount
N/A
AUM (in Cr.)
N/A
Expense Ratio Regular
2.18
Expense Ratio Direct
0.97
Lock-in Period
N/A
Fund Age
N/A
Benchmark
N/A
Fund managers
Sonam Udasi
26 years Experience
Murthy Nagarajan
27 years Experience

Exit load

A) If redeemed / switched-out on or after attainment of retirement age i.e. 60 years of age - Nil. B) In case of Auto switch-out of units on occurrence of “Auto-switch trigger event” - Nil. C) 1% -If redeemed before 61 months from the date of allotment.

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