Tata Retirement Savings Conservative Fund Direct Growth

Fund Overview

Fund Size

₹165 Cr

Expense Ratio

1.05%

ISIN

INF277K01QM5

Minimum SIP

₹1,000

Exit Load

1.00%

Inception Date

01 Jan 2013

About this fund

Tata Retirement Savings Conservative Fund Direct Growth is a Retirement mutual fund schemes offered by Tata Mutual Fund. This fund has been in existence for 13 years, 9 months and 17 days, having been launched on 01-Jan-13.
As of 16-Oct-26, it has a Net Asset Value (NAV) of ₹38.21, Assets Under Management (AUM) of 165.48 Crores, and an expense ratio of 1.05%.

Tata Retirement Savings Conservative Fund Direct Growth has given a CAGR return of 9.35% since inception.
The fund's asset allocation comprises around 27.19% in equities, 62.00% in debts, and 10.81% in cash & cash equivalents.
You can start investing in Tata Retirement Savings Conservative Fund Direct Growth with a SIP of ₹1000 or a Lumpsum investment of ₹5000.

Performance against Category Average

In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.

1 Year

+1.80%

— (Cat Avg.)

3 Years

+7.23%

— (Cat Avg.)

5 Years

+6.09%

— (Cat Avg.)

10 Years

+7.98%

— (Cat Avg.)

Since Inception

+9.35%

— (Cat Avg.)

Portfolio Summaryas of 30th September 2026

Equity	₹45 Cr	27.19%
Debt	₹102.59 Cr	62.00%
Others	₹17.89 Cr	10.81%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
6.79% Govt Stock 2034	Bond - Gov't/Treasury	₹34.2 Cr	20.67%
I) Repo	Cash - Repurchase Agreement	₹15.68 Cr	9.48%
7.17% Govt Stock 2030	Bond - Gov't/Treasury	₹15.14 Cr	9.15%
7.38% Govt Stock 2027	Bond - Gov't/Treasury	₹15.13 Cr	9.14%
6.36% Govt Stock 2031	Bond - Gov't/Treasury	₹14.71 Cr	8.89%
7.36% Govt Stock 2052	Bond - Gov't/Treasury	₹9.67 Cr	5.85%
6.9% Govt Stock 2065	Bond - Gov't/Treasury	₹8.97 Cr	5.42%
SHIVSHAKTI SECURITISATION TRUST	Bond - Asset Backed	₹4.77 Cr	2.88%
Solar Industries India Ltd	Equity	₹2.48 Cr	1.50%
ICICI Bank Ltd	Equity	₹2.38 Cr	1.44%
Cash / Net Current Asset	Cash	₹2.2 Cr	1.33%
Eternal Ltd	Equity	₹2.02 Cr	1.22%
Reliance Industries Ltd	Equity	₹1.92 Cr	1.16%
Multi Commodity Exchange of India Ltd	Equity	₹1.81 Cr	1.09%
Ather Energy Ltd	Equity	₹1.78 Cr	1.07%
Coal India Ltd	Equity	₹1.64 Cr	0.99%
Dixon Technologies (India) Ltd	Equity	₹1.3 Cr	0.78%
Adani Ports & Special Economic Zone Ltd	Equity	₹1.29 Cr	0.78%
DOMS Industries Ltd	Equity	₹1.26 Cr	0.76%
Radico Khaitan Ltd	Equity	₹1.18 Cr	0.71%
Exide Industries Ltd	Equity	₹1.15 Cr	0.70%
Kotak Mahindra Bank Ltd	Equity	₹1.13 Cr	0.68%
One97 Communications Ltd	Equity	₹1.06 Cr	0.64%
Tata Consumer Products Ltd	Equity	₹1.02 Cr	0.61%
360 One Wam Ltd Ordinary Shares	Equity	₹0.99 Cr	0.60%
Titan Co Ltd	Equity	₹0.99 Cr	0.60%
Sun Pharmaceuticals Industries Ltd	Equity	₹0.98 Cr	0.59%
Polycab India Ltd	Equity	₹0.96 Cr	0.58%
Nippon Life India Asset Management Ltd Ordinary Shares	Equity	₹0.96 Cr	0.58%
Bikaji Foods International Ltd	Equity	₹0.94 Cr	0.57%
Fujiyama Power Systems Ltd	Equity	₹0.93 Cr	0.56%
BSE Ltd	Equity	₹0.92 Cr	0.55%
Billionbrains Garage Ventures Ltd	Equity	₹0.88 Cr	0.53%
Karur Vysya Bank Ltd	Equity	₹0.88 Cr	0.53%
Nestle India Ltd	Equity	₹0.87 Cr	0.53%
Oil India Ltd	Equity	₹0.87 Cr	0.53%
HCL Technologies Ltd	Equity	₹0.77 Cr	0.47%
Kirloskar Pneumatic Co Ltd	Equity	₹0.68 Cr	0.41%
PB Fintech Ltd	Equity	₹0.67 Cr	0.41%
Apollo Hospitals Enterprise Ltd	Equity	₹0.66 Cr	0.40%
Rainbow Childrens Medicare Ltd	Equity	₹0.64 Cr	0.39%
Grindwell Norton Ltd	Equity	₹0.61 Cr	0.37%
Adani Power Ltd	Equity	₹0.57 Cr	0.34%
Tata Consultancy Services Ltd	Equity	₹0.55 Cr	0.33%
Shriram Finance Ltd	Equity	₹0.53 Cr	0.32%
Muthoot Finance Ltd	Equity	₹0.52 Cr	0.31%
Varun Beverages Ltd	Equity	₹0.51 Cr	0.31%
Ramco Cements Ltd	Equity	₹0.47 Cr	0.28%
Manappuram Finance Ltd	Equity	₹0.45 Cr	0.27%
GlaxoSmithKline Pharmaceuticals Ltd	Equity	₹0.44 Cr	0.27%
Maruti Suzuki India Ltd	Equity	₹0.43 Cr	0.26%
Godrej Industries Ltd	Equity	₹0.42 Cr	0.25%
Godrej Agrovet Ltd Ordinary Shares	Equity	₹0.37 Cr	0.23%
Vedanta Aluminium Metal Ltd	Equity	₹0.33 Cr	0.20%
Zensar Technologies Ltd	Equity	₹0.3 Cr	0.18%
Adani Energy Solutions Ltd	Equity	₹0.24 Cr	0.14%
Diamond Power Infrastructure Ltd	Equity	₹0.16 Cr	0.09%
RBL Bank Ltd	Equity	₹0.07 Cr	0.04%

Allocation By Market Cap (Equity)

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Sector	Amount	Holdings
Financial Services	₹12.19 Cr	7.37%
Consumer Cyclical	₹6.37 Cr	3.85%
Industrials	₹5.38 Cr	3.25%
Technology	₹4.92 Cr	2.97%
Consumer Defensive	₹4.89 Cr	2.95%
Energy	₹4.44 Cr	2.68%
Basic Materials	₹3.28 Cr	1.98%
Healthcare	₹2.73 Cr	1.65%
Utilities	₹0.81 Cr	0.49%

Risk & Performance Ratios

Fund Managers

Murthy Nagarajan

Since April 2017

Amit Somani

Since June 2026

Sonam Udasi

Since April 2016

Additional Scheme Detailsas of 30th September 2026

ISIN

INF277K01QM5

Expense Ratio

1.05%

Exit Load

1.00%

Fund Size

₹165 Cr

Age

13 years 9 months

Lumpsum Minimum

₹5,000

Fund Status

Open Ended Investment Company

Benchmark

CRISIL Short Term Debt Hyb 75+25 TR INR

Investment Objective

To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.

Tax Treatment

Capital Gains Taxation:

Dividend Taxation:

Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.

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Fund name	Expense Ratio	Exit Load	Fund size	1Y
Baroda BNP Paribas Retirement Fund Regular Growth Very High Risk	2.3%	0.0%	₹387.15 Cr	-1.4%
Baroda BNP Paribas Retirement Fund Direct Growth Very High Risk	1.0%	0.0%	₹387.15 Cr	-0.0%
PGIM India Retirement Fund Direct Growth Very High Risk	1.1%	0.0%	₹103.72 Cr	-1.9%
PGIM India Retirement Fund Regular Growth Very High Risk	2.6%	0.0%	₹103.72 Cr	-3.4%
Bandhan Retirement Fund Regular Growth Moderately High risk	2.6%	0.0%	₹174.49 Cr	-3.6%
Bandhan Retirement Fund Direct Growth Moderately High risk	1.0%	0.0%	₹174.49 Cr	-2.0%
Nippon India Retirement Fund - Income Generation Scheme Direct Growth Moderately High risk	1.0%	0.0%	₹138.31 Cr	-1.5%
Nippon India Retirement Fund - Income Generation Scheme Regular Growth Moderately High risk	2.1%	0.0%	₹138.31 Cr	-2.6%
Nippon India Retirement Fund - Wealth Creation Scheme Regular Growth Very High Risk	2.3%	0.0%	₹2938.85 Cr	-6.3%
Nippon India Retirement Fund - Wealth Creation Scheme Direct Growth Very High Risk	1.3%	0.0%	₹2938.85 Cr	-5.4%
ICICI Prudential Retirement Fund Pure Debt Plan Regular Growth Moderately High risk	2.1%	0.0%	₹79.47 Cr	2.1%
ICICI Prudential Retirement Fund Hybrid Aggressive Plan Direct Growth Very High Risk	1.2%	0.0%	₹1267.94 Cr	1.2%
ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth Very High Risk	0.9%	0.0%	₹2105.95 Cr	1.3%
ICICI Prudential Retirement Fund Hybrid Aggressive Plan Regular Growth Very High Risk	2.5%	0.0%	₹1267.94 Cr	-0.2%
ICICI Prudential Retirement Fund Hybrid Conservative Plan Direct Growth Moderately High risk	1.1%	0.0%	₹95.26 Cr	2.8%
ICICI Prudential Retirement Fund Pure Debt Plan Direct Growth Moderately High risk	1.2%	0.0%	₹79.47 Cr	3.1%
ICICI Prudential Retirement Fund Pure Equity Plan Regular Growth Very High Risk	2.1%	0.0%	₹2105.95 Cr	-0.1%
ICICI Prudential Retirement Fund Hybrid Conservative Plan Regular Growth Moderately High risk	2.3%	0.0%	₹95.26 Cr	1.6%
Tata Retirement Savings Moderate Fund Direct Growth Very High Risk	0.8%	1.0%	₹2115.04 Cr	1.3%
Tata Retirement Savings Conservative Fund Direct Growth Moderately High risk	1.1%	1.0%	₹165.48 Cr	1.8%
Tata Retirement Savings Progressive Fund Direct Growth Very High Risk	0.8%	1.0%	₹2104.38 Cr	1.1%
Franklin India Pension Plan Direct Growth Moderately High risk	1.5%	3.0%	₹479.34 Cr	-2.4%
SBI Retirement Benefit Fund - Aggressive Plan Regular Growth Very High Risk	2.1%	0.0%	₹3066.39 Cr	-4.6%
SBI Retirement Benefit Fund - Aggressive Plan Direct Growth Very High Risk	1.1%	0.0%	₹3066.39 Cr	-3.6%
SBI Retirement Benefit Fund - Conservative Plan Regular Growth Moderately High risk	1.4%	0.0%	₹137.53 Cr	0.2%
SBI Retirement Benefit Fund - Aggressive Hybrid Plan Direct Growth Very High Risk	1.2%	0.0%	₹1587.47 Cr	-1.2%
SBI Retirement Benefit Fund - Conservative Plan Direct Growth Moderately High risk	1.0%	0.0%	₹137.53 Cr	0.7%
SBI Retirement Benefit Fund - Aggressive Hybrid Plan Regular Growth Very High Risk	2.1%	0.0%	₹1587.47 Cr	-2.2%
Aditya Birla Sun Life Retirement Fund - The 30s Plan Direct Growth Very High Risk	1.4%	0.0%	₹465.36 Cr	9.3%
Aditya Birla Sun Life Retirement Fund - The 30s Plan Regular Growth Very High Risk	2.6%	0.0%	₹465.36 Cr	7.9%
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan Direct Growth Moderate Risk	0.9%	0.0%	₹13.55 Cr	2.6%
Aditya Birla Sun Life Retirement Fund - The 40s Plan Direct Growth Very High Risk	1.1%	0.0%	₹109.90 Cr	-2.2%
Aditya Birla Sun Life Retirement Fund - The 40s Plan Regular Growth Very High Risk	2.4%	0.0%	₹109.90 Cr	-3.5%
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan Regular Growth Moderate Risk	2.0%	0.0%	₹13.55 Cr	1.5%
Aditya Birla Sun Life Retirement Fund - The 50s Plan Direct Growth Moderate Risk	0.6%	0.0%	₹26.62 Cr	2.1%
Aditya Birla Sun Life Retirement Fund - The 50s Plan Regular Growth Moderate Risk	2.0%	0.0%	₹26.62 Cr	0.7%
SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth Moderately High risk	1.8%	0.0%	₹247.94 Cr	-0.9%
SBI Retirement Benefit Fund - Conservative Hybrid Plan Direct Growth Moderately High risk	1.2%	0.0%	₹247.94 Cr	-0.4%
Union Retirement Fund Regular Growth Very High Risk	2.7%	0.0%	₹206.52 Cr	-1.1%
Union Retirement Fund Direct Growth Very High Risk	1.4%	0.0%	₹206.52 Cr	0.2%
Franklin India Pension Plan Regular Growth Moderately High risk	2.2%	3.0%	₹479.34 Cr	-3.1%
Axis Retirement Savings Fund - Conservative Plan Regular Growth High Risk	2.2%	0.0%	₹44.70 Cr	-3.3%
Axis Retirement Savings Fund - Dynamic Plan Direct Growth High Risk	1.4%	0.0%	₹268.84 Cr	-3.7%
Axis Retirement Savings Fund - Dynamic Plan Regular Growth High Risk	2.6%	0.0%	₹268.84 Cr	-4.9%
Axis Retirement Savings Fund - Aggressive Plan Direct Growth High Risk	1.3%	0.0%	₹665.98 Cr	-3.6%
Axis Retirement Savings Fund - Conservative Plan Direct Growth High Risk	1.3%	0.0%	₹44.70 Cr	-2.4%
Axis Retirement Savings Fund - Aggressive Plan Regular Growth High Risk	2.5%	0.0%	₹665.98 Cr	-4.7%
Tata Retirement Savings Progressive Fund Regular Growth Very High Risk	2.2%	1.0%	₹2104.38 Cr	-0.3%
Tata Retirement Savings Conservative Fund Regular Growth Moderately High risk	2.2%	1.0%	₹165.48 Cr	0.6%
Tata Retirement Savings Moderate Fund Regular Growth Very High Risk	2.1%	1.0%	₹2115.04 Cr	-0.1%

About the AMC

Tata Mutual Fund

+91 22 6657 8282

https://www.tatamutualfund.com/

Total AUM

₹2,41,427 Cr

Address

Mafatlal Centre, 9th Floor, Mumbai, 400 021

Other Funds by Tata Mutual Fund

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Tata CRISIL-IBX Financial Services 3-6 Months Debt Index Fund Direct Growth Low to Moderate Risk	-	0.0%	₹637.06 Cr	-
Tata Multi Sector Passive FOF Direct Growth Very High Risk	0.3%	0.0%	₹73.54 Cr	-
Titanium Equity Long-Short Fund Direct Growth Very High Risk	1.5%	1.0%	₹275.64 Cr	-
Tata BSE Multicap Consumption 50 30 20 Index Fund Direct Growth Very High Risk	0.5%	0.0%	₹41.22 Cr	-
Titanium Hybrid Long-Short Fund Direct Growth Very High Risk	1.0%	1.0%	₹587.04 Cr	-
Tata Nifty Next 50 Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹120.43 Cr	-0.0%
Tata Nifty Midcap 150 Index Fund Direct Growth Very High Risk	0.2%	0.0%	₹317.78 Cr	-0.5%
Tata Income Plus Arbitrage Active FOF Direct Growth Moderate Risk	0.1%	0.0%	₹272.12 Cr	5.1%
Tata BSE Quality Index Fund Direct Growth Very High Risk	0.4%	0.0%	₹46.39 Cr	-4.1%
Tata Fixed Maturity Plan Series 61 Scheme D 91 Days Direct Growth Low to Moderate Risk	0.1%	0.0%	₹209.75 Cr	-
Tata BSE Select Business Groups Index Fund Direct Growth Very High Risk	0.4%	0.0%	₹212.81 Cr	-4.6%
Tata India Innovation Fund Direct Growth Very High Risk	0.9%	0.0%	₹1244.91 Cr	-0.7%
Tata Nifty Capital Markets Index Fund Direct Growth Very High Risk	0.7%	0.0%	₹964.34 Cr	12.7%
Tata Nifty200 Alpha 30 Index Fund Direct Growth Very High Risk	0.8%	0.0%	₹198.96 Cr	-2.0%
Tata Nifty India Tourism Index Fund Direct Growth Very High Risk	0.5%	0.0%	₹253.70 Cr	-15.9%
Tata Fixed Maturity Plan Series 61 Scheme C 91 Days Direct Growth Low to Moderate Risk	-	0.0%	-	-
TATA Nifty500 Multicap India Manufacturing 50:30:20 Index Fund Direct Growth Very High Risk	0.6%	0.0%	₹132.66 Cr	0.5%
Tata Nifty500 Multicap Infrastructure 50:30:20 Index Fund Direct Growth Very High Risk	0.6%	0.0%	₹65.33 Cr	-4.6%
Tata Nifty Financial Services Index Fund Direct Growth Very High Risk	0.6%	0.0%	₹77.45 Cr	-7.0%
Tata Nifty Auto Index Fund Direct Growth Very High Risk	0.5%	0.0%	₹107.75 Cr	-4.3%
Tata Nifty MidSmall Healthcare Index Fund Direct Growth Very High Risk	0.6%	0.0%	₹220.69 Cr	11.0%
Tata Nifty Realty Index Fund Direct Growth Very High Risk	0.6%	0.0%	₹62.53 Cr	-11.6%
Tata Fixed Maturity Plan Series 61 Scheme A - 91 Days Direct Growth Low to Moderate Risk	0.1%	-	-	-
Tata Fixed Maturity Plan Series 61 Scheme B 364 Days Direct Growth Low to Moderate Risk	-	0.0%	-	-
Tata Silver ETF Fund of Fund Direct Growth Very High Risk	0.2%	0.0%	₹1055.75 Cr	23.7%
Tata Gold ETF Fund of Fund Direct Growth High Risk	0.2%	0.0%	₹1533.90 Cr	14.0%
Tata Fixed Maturity Plan Series 56 Scheme G Direct Growth Low to Moderate Risk	-	0.0%	-	-
Tata Fixed Maturity Plan Series 56 Scheme H Direct Growth Low to Moderate Risk	-	0.0%	-	-
Tata Fixed Maturity Series E Direct Growth Low to Moderate Risk	-	0.0%	-	-
Tata Balanced Advantage Fund Direct Growth Very High Risk	0.7%	0.0%	₹8005.05 Cr	-1.7%
Tata Ultra Short Term Fund Direct Growth Moderate Risk	0.3%	0.0%	₹5404.36 Cr	6.9%
Tata Business Cycle Fund Direct Growth Very High Risk	0.9%	0.0%	₹2415.57 Cr	-4.4%
Tata Nifty India Digital ETF Fund of Fund Direct Growth Very High Risk	0.1%	1.0%	₹107.55 Cr	-7.2%
Tata Nifty SDL Plus AAA PSU Bond Dec 2027 60: 40 Index Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹644.61 Cr	5.1%
Tata Floating Rate Fund Direct Growth Moderate Risk	0.3%	0.0%	₹114.49 Cr	5.5%
Tata Small Cap Fund Direct Growth Very High Risk	0.5%	0.0%	₹13214.49 Cr	-0.7%
Tata Large & Mid Cap Fund Direct Growth Very High Risk	0.8%	0.0%	₹7254.11 Cr	-9.1%
Tata Mid Cap Growth Fund Direct Growth Very High Risk	0.9%	0.0%	₹5859.97 Cr	0.8%
Tata Hybrid Equity Fund Direct Growth Very High Risk	1.3%	0.0%	₹3982.56 Cr	-3.7%
Tata Ethical Fund Direct Growth Very High Risk	0.8%	0.0%	₹3618.53 Cr	-6.9%
Tata Gilt Securities Fund Direct Growth Moderate Risk	0.3%	0.0%	₹769.09 Cr	0.2%
Tata Equity P/E Fund Direct Growth Very High Risk	1.1%	0.0%	₹8239.46 Cr	-2.5%
Tata Infrastructure Fund Direct Growth Very High Risk	1.2%	0.0%	₹1981.60 Cr	0.4%
Tata Treasury Advantage Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹2727.46 Cr	6.1%
Tata Money Market Fund Direct Growth Moderate Risk	0.2%	0.0%	₹31689.59 Cr	6.5%
Tata Equity Savings Fund Direct Growth Moderate Risk	0.6%	0.0%	₹284.62 Cr	7.5%
Tata Young Citizens Fund Direct Growth Very High Risk	1.8%	1.0%	₹313.45 Cr	-11.0%
Tata Liquid Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹28037.42 Cr	6.5%
Tata Large Cap Fund Direct Growth Very High Risk	1.2%	0.0%	₹2552.99 Cr	-4.7%
Tata Retirement Savings Moderate Fund Direct Growth Very High Risk	0.8%	1.0%	₹2115.04 Cr	1.3%

Risk Level

Your principal amount will be at Moderately High risk

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What is the current NAV of Tata Retirement Savings Conservative Fund Direct Growth?

The NAV of Tata Retirement Savings Conservative Fund Direct Growth, as of 16-Oct-2026, is ₹38.21.

What are the returns of Tata Retirement Savings Conservative Fund Direct Growth?

The fund has generated 1.80% over the last 1 year and 7.23% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.

What is the portfolio composition of Tata Retirement Savings Conservative Fund Direct Growth?

The fund's allocation of assets is distributed as 27.19% in equities, 62.00% in bonds, and 10.81% in cash and cash equivalents.

Who manages the Tata Retirement Savings Conservative Fund Direct Growth?

The fund managers responsible for Tata Retirement Savings Conservative Fund Direct Growth are:-

Murthy Nagarajan
Amit Somani
Sonam Udasi

Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.

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Tata Retirement Savings Conservative Fund Direct Growth

Fund Overview