Tata Retirement Savings Fund -Conservative Regular Plan - Growth
Fund House : Tata Mutual Fund
-
-
- 1W
- 2W
- 1M
- 3M
- 6M
- 1Y
- 3Y
- 5Y
- 10Y
- SI
NAV (as on
2025-06-03)
31.59 0.00%
Fund Size (Total
Assets)
-
Expense Ratio
(Regular)
-%
Expense Ratio
(Direct)
-%
SIP Returns
| Period Invested for | ₹1000 SIP Started on | Investments | Latest Value | Abs. Returns |
|---|---|---|---|---|
| One Week | 2025-05-27 | ₹1,000.00 | ₹1,003.46 |
0.35 %
|
| Two Week | 2025-05-19 | ₹1,000.00 | ₹1,003.45 |
0.34 %
|
| 1 Month | 2025-05-05 | ₹1,000.00 | ₹1,016.25 |
1.63 %
|
| Three Months | 2025-03-05 | ₹3,000.00 | ₹3,121.17 |
4.04 %
|
| Six Months | 2024-12-05 | ₹6,000.00 | ₹6,202.46 |
3.37 %
|
| One Year | 2024-06-03 | ₹12,000.00 | ₹12,435.81 |
3.63 %
|
| Three Year | 2022-06-06 | ₹36,000.00 | ₹41,536.91 |
15.38 %
|
| Five Year | 2020-06-04 | ₹60,000.00 | ₹73,974.05 |
23.29 %
|
| Ten Year | 2015-06-08 | ₹120,000.00 | ₹180,813.97 |
50.68 %
|
| Since Inception | 2011-11-01 | ₹166,000.00 | ₹301,606.66 |
81.69 %
|
Portfolio Summary
| Company Name | Sector | Sector Type | Nav(in %) |
|---|---|---|---|
| GOI - 7.38% (20/06/2027) | Government Securities | SOV | 8.70 |
| GOI - 7.17% (17/04/2030) | Government Securities | SOV | 8.68 |
| GOI - 7.36% (12/09/2052) | Government Securities | SOV | 5.94 |
| GOI - 7.27% (08/04/2026) | Government Securities | SOV | 5.76 |
| GOI 8.24% 15/02/2027 | Government Securities | SOV | 2.95 |
| GOI - 8.20% (24/09/2025) | Government Securities | SOV | 2.90 |
| SDL Maharashtra 8.44% (26/11/2024) | Government Securities | SOV | 2.01 |
| 07.42 % Power Finance Corporation | Non-Convertible Debentures/Bonds | CRISIL AAA | 5.71 |
| 06.40 % Jamnagar Utilities & Power Pvt. Ltd. | Non-Convertible Debentures/Bonds | CRISIL AAA | 5.56 |
| 08.60 % Bharti Telecom Ltd. | Non-Convertible Debentures/Bonds | CRISIL AA+ | 2.86 |
| GOI - Repo | Repo | - | 1.01 |
| Bharat Electronics Ltd. | Aerospace And Defense | - | 0.54 |
| Tata Consumer Products Ltd. | Agricultural Food & Other Products | - | 0.54 |
| Jupiter Wagons Ltd. | Agricultural, Commercial & Construction Vehicles | - | 0.64 |
| Exide Industries Ltd. | Auto Components | - | 0.54 |
| Bosch Ltd. | Auto Components | - | 0.46 |
| Pricol Ltd. | Auto Components | - | 0.34 |
| Tata Motors Ltd. | Automobiles | - | 0.36 |
| Maruti Suzuki India Ltd. | Automobiles | - | 0.34 |
| Hero Motocorp Ltd. | Automobiles | - | 0.31 |
| HDFC Bank Ltd. | Banks | - | 1.92 |
| ICICI Bank Ltd. | Banks | - | 0.76 |
| Karur Vysya Bank Ltd. | Banks | - | 0.60 |
| Equitas Small Finance Bank Ltd. | Banks | - | 0.21 |
| Radico Khaitan Ltd. | Beverages | - | 0.64 |
| United Spirits Ltd. | Beverages | - | 0.36 |
| Bse Ltd. | Capital Markets | - | 0.58 |
| Uti Asset Management Company Ltd. | Capital Markets | - | 0.31 |
| Nuvoco Vistas Corporation Ltd. | Cement & Cement Products | - | 0.34 |
| ACC Ltd. | Cement & Cement Products | - | 0.30 |
| Solar Industries India Ltd. | Chemicals & Petrochemicals | - | 0.86 |
| Pidilite Industries Ltd. | Chemicals & Petrochemicals | - | 0.33 |
| Metro Brands Ltd. | Consumer Durables | - | 0.59 |
| Dixon Technologies (India) Ltd. | Consumer Durables | - | 0.51 |
| Campus Activewear Ltd. | Consumer Durables | - | 0.32 |
| Amber Enterprises India Ltd. | Consumer Durables | - | 0.24 |
| 3M India Ltd. | Diversified | - | 0.26 |
| Godrej Industries Ltd. | Diversified | - | 0.21 |
| ITC Ltd. | Diversified Fmcg | - | 1.56 |
| Voltamp Transformers Ltd. | Electrical Equipment | - | 0.39 |
| Bayer Cropscience Ltd. | Fertilizers & Agrochemicals | - | 0.36 |
| Astec Lifesciences Ltd. | Fertilizers & Agrochemicals | - | 0.28 |
| Muthoot Finance Ltd. | Finance | - | 0.38 |
| Pb Fintech Ltd. | Financial Technology (Fintech) | - | 0.49 |
| Bikaji Foods International Ltd. | Food Products | - | 0.74 |
| Nestle India Ltd. | Food Products | - | 0.49 |
| Mahanagar Gas Ltd. | Gas | - | 0.67 |
SIP Calculator
Risk Ratios
Standard Deviation
4.13
Beta
0.98
Sharpe Ratio
-
Lock In Period
-
Residual Maturity
2.51
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.
Scheme Details
- Fund manager(s) : Sonam Udasi (26 years), Murthy Nagarajan (27 years),
- Expense ration regular : -
- Expense ration direct : -
- Launch date : -
- Benchmark : -
- Min SIP amount : -
- Max SIP amount : -
- Min investment amount (one time- first time) : ₹500.00
- Type : solution_oriented
Exit load
1% if redeemed before 61 months from the date of allotment
FAQs
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