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Tata Retirement Savings Fund - Moderate Regular Plan - Growth

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Fund info
NAV (as on 2025-07-18)
65.05 -0.34%
AUM (Fund Size)
61
Expense Ratio
2.05%
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
Very 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 ₹1,005.87
0.59 %
Two Week 2025-07-03 ₹1,000.00 ₹987.25
-1.27 %
One Month 2025-06-18 ₹1,000.00 ₹1,005.46
0.55 %
Three Months 2025-04-21 ₹3,000.00 ₹3,101.51
3.38 %
Six Months 2025-01-20 ₹6,000.00 ₹6,381.79
6.36 %
One Year 2024-07-18 ₹12,000.00 ₹12,549.81
4.58 %
Three Year 2022-07-19 ₹36,000.00 ₹45,817.55
27.27 %
Five Year 2020-07-20 ₹60,000.00 ₹86,569.44
44.28 %
Ten Year 2015-07-21 ₹120,000.00 ₹240,329.87
100.27 %
Since Inception 2011-11-01 ₹167,000.00 ₹473,258.38
183.39 %

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 56%
Debt 9%
Others 1%

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

Banks
8%
Capital Markets
7%
Chemicals & Petrochemicals
3%
Petroleum Products
3%
IT - Software
4%
Beverages
3%
Diversified FMCG
3%
Retailing
3%
Gas
3%
Agricultural Food & Other Products
1%
Transport Infrastructure
1%
Industrial Products
2%
Auto Components
1%
Household Products
1%
Consumer Durables
3%
Finance
2%
Food Products
2%
Cement & Cement Products
1%
Oil
1%
Diversified
1%
Industrial Manufacturing
1%
Insurance
1%
Realty
1%
Automobiles
0%
IT - Services
0%
Other
13%

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

HDFC BANK LTD
6.22%
BSE LTD
4.03%
SOLAR INDUSTRIES INDIA LTD
3.83%
RELIANCE INDUSTRIES LTD
3.69%
TATA CONSULTANCY SERVICES LTD
3.41%
RADICO KHAITAN LTD
3.14%
ITC LTD
3.13%
ETERNAL LTD
2.67%
MAHANAGAR GAS LTD
2.05%
TATA CONSUMER PRODUCTS LTD
1.92%
ADANI PORTS AND SPECIAL ECONOMIC ZONE LTD
1.92%
ICICI BANK LTD
1.83%
NIPPON LIFE INDIA ASSET MANAGEMENT LTD
1.83%
KIRLOSKAR PNEUMATIC COMPANY LTD
1.78%
EXIDE INDUSTRIES LTD
1.67%
KARUR VYSYA BANK LTD
1.65%
DOMS INDUSTRIES LTD
1.64%
GAIL ( INDIA ) LTD
1.62%
METRO BRANDS LTD
1.58%
360 ONE WAM LTD
1.52%
POLYCAB INDIA LTD
1.50%
HAVELLS INDIA LTD
1.47%
BAJAJ FINSERV LTD
1.45%
NESTLE INDIA LTD
1.40%
NUVOCO VISTAS CORPORATION LTD
1.38%
MUTHOOT FINANCE LTD
1.37%
OIL INDIA LTD
1.35%
BIKAJI FOODS INTERNATIONAL LTD
1.34%
GODREJ INDUSTRIES LTD
1.33%
DIXON TECHNOLOGIES (INDIA) LTD
1.28%
TRENT LTD
1.28%
JUPITER WAGONS LTD
1.25%
HDFC LIFE INSURANCE CO. LTD
1.21%
HCL TECHNOLOGIES LTD
1.12%
UTI ASSET MANAGEMENT COMPANY LTD
1.12%
SUNTECK REALTY LTD
1.01%
ZENSAR TECHNOLOGIES LTD
0.98%
MULTI COMMODITY EXCHANGE OF IND LTD
0.94%
HERO MOTOCORP LTD
0.90%
GODREJ AGROVET LTD
0.89%
TITAN COMPANY LTD
0.89%
UNITED SPIRITS LTD
0.88%
CAMPUS ACTIVEWEAR LTD
0.85%
PRICOL LTD
0.84%
ICICI LOMBARD GENERAL INSURANCE CO. LTD
0.78%
MASTEK LTD
0.78%
INVENTURUS KNOWLEDGE SOLUTIONS LTD
0.61%
GOI - 6.79% (07/10/2034)
6.02%
GOI - 7.38% (20/06/2027)
1.44%
GOI - 7.27% (08/04/2026)
1.41%
GOI - 6.79% (26/12/2029)
0.96%
GOI - 6.10% (12/07/2031)
0.54%
GOI - 7.36% (12/09/2052)
0.50%
GOI - 7.26% (14/01/2029)
0.10%
07.80 % HDFC BANK LTD - 03/05/2033
1.22%
06.40 % JAMNAGAR UTILITIES & POWER PVT. LTD - 29/09/2026
0.69%
07.13 % NHPC LTD - 09/02/2029
0.24%
07.13 % NHPC LTD - 11/02/2026
0.23%
08.60 % BHARTI TELECOM LTD - 12/12/2025
0.23%
B) REPO
1.56%
CASH / NET CURRENT ASSET
3.53%

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
Very High

Scheme Details

Min. SIP Amount
N/A
Min. Lumpsum Amount
N/A
AUM (in Cr.)
N/A
Expense Ratio Regular
2.05
Expense Ratio Direct
0.64
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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