Tata Retirement Savings Conservative Fund Direct Growth
HybridRetirementModerately High risk
Direct
NAV (25-Jul-24)
₹35.120.01%1D
Returns (Since Inception)
10.44%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹175 Cr
Expense Ratio
0.97%
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 11 years, 6 months and 25 days, having been launched on 01-Jan-13.
As of 25-Jul-24, it has a Net Asset Value (NAV) of ₹35.12, Assets Under Management (AUM) of 174.60 Crores, and an expense ratio of 0.97%.
As of 25-Jul-24, it has a Net Asset Value (NAV) of ₹35.12, Assets Under Management (AUM) of 174.60 Crores, and an expense ratio of 0.97%.
- Tata Retirement Savings Conservative Fund Direct Growth has given a CAGR return of 10.44% since inception.
- The fund's asset allocation comprises around 29.32% in equities, 51.06% in debts, and 19.62% 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
+15.46%
— (Cat Avg.)
3 Years
+8.97%
— (Cat Avg.)
5 Years
+10.03%
— (Cat Avg.)
10 Years
+10.14%
— (Cat Avg.)
Since Inception
+10.44%
— (Cat Avg.)
Portfolio Summaryas of 15th July 2024
| Equity | ₹51.2 Cr | 29.32% |
| Debt | ₹89.14 Cr | 51.06% |
| Others | ₹34.26 Cr | 19.62% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| Cash / Net Current Asset | Cash - Collateral | ₹33.07 Cr | 18.94% |
| 7.38% Govt Stock 2027 | Bond - Gov't/Treasury | ₹15.18 Cr | 8.69% |
| 7.17% Govt Stock 2030 | Bond - Gov't/Treasury | ₹15.12 Cr | 8.66% |
| 7.36% Govt Stock 2052 | Bond - Gov't/Treasury | ₹10.36 Cr | 5.94% |
| 7.27% Govt Stock 2026 | Bond - Gov't/Treasury | ₹10.05 Cr | 5.76% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹9.99 Cr | 5.72% |
| Jamnagar Utilities & Power Private Limited | Bond - Corporate Bond | ₹9.7 Cr | 5.56% |
| 8.24% Govt Stock 2027 | Bond - Gov't/Treasury | ₹5.15 Cr | 2.95% |
| 8.2% Govt Stock 2025 | Bond - Gov't/Treasury | ₹5.07 Cr | 2.90% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹4.99 Cr | 2.86% |
| 08.44 MH Sdl 2024 | Bond - Gov't/Treasury | ₹3.52 Cr | 2.01% |
| HDFC Bank Ltd | Equity | ₹3.37 Cr | 1.93% |
| Reliance Industries Ltd | Equity | ₹2.79 Cr | 1.60% |
| ITC Ltd | Equity | ₹2.55 Cr | 1.46% |
| Solar Industries India Ltd | Equity | ₹1.68 Cr | 0.96% |
| Zomato Ltd | Equity | ₹1.51 Cr | 0.87% |
| Tata Consultancy Services Ltd | Equity | ₹1.37 Cr | 0.78% |
| DOMS Industries Ltd | Equity | ₹1.36 Cr | 0.78% |
| ICICI Bank Ltd | Equity | ₹1.35 Cr | 0.77% |
| Oil India Ltd | Equity | ₹1.34 Cr | 0.77% |
| Bikaji Foods International Ltd | Equity | ₹1.28 Cr | 0.74% |
| Jupiter Wagons Ltd | Equity | ₹1.28 Cr | 0.73% |
| Adani Ports & Special Economic Zone Ltd | Equity | ₹1.2 Cr | 0.69% |
| B) Repo | Cash - Repurchase Agreement | ₹1.18 Cr | 0.68% |
| Exide Industries Ltd | Equity | ₹1.13 Cr | 0.64% |
| Mahanagar Gas Ltd | Equity | ₹1.1 Cr | 0.63% |
| Radico Khaitan Ltd | Equity | ₹1.09 Cr | 0.63% |
| Metro Brands Ltd | Equity | ₹1.08 Cr | 0.62% |
| Karur Vysya Bank Ltd | Equity | ₹1.08 Cr | 0.62% |
| Bharat Electronics Ltd | Equity | ₹0.99 Cr | 0.57% |
| BSE Ltd | Equity | ₹0.95 Cr | 0.54% |
| Dixon Technologies (India) Ltd | Equity | ₹0.93 Cr | 0.53% |
| Tata Consumer Products Ltd | Equity | ₹0.92 Cr | 0.53% |
| Nestle India Ltd | Equity | ₹0.91 Cr | 0.52% |
| Avenue Supermarts Ltd | Equity | ₹0.9 Cr | 0.51% |
| PB Fintech Ltd | Equity | ₹0.85 Cr | 0.49% |
| Bosch Ltd | Equity | ₹0.81 Cr | 0.46% |
| APL Apollo Tubes Ltd | Equity | ₹0.78 Cr | 0.44% |
| Polycab India Ltd | Equity | ₹0.77 Cr | 0.44% |
| Kaynes Technology India Ltd | Equity | ₹0.76 Cr | 0.43% |
| Petronet LNG Ltd | Equity | ₹0.7 Cr | 0.40% |
| Kirloskar Pneumatic Co Ltd | Equity | ₹0.68 Cr | 0.39% |
| Muthoot Finance Ltd | Equity | ₹0.66 Cr | 0.38% |
| Cyient Ltd | Equity | ₹0.65 Cr | 0.37% |
| Sunteck Realty Ltd | Equity | ₹0.62 Cr | 0.36% |
| Aurobindo Pharma Ltd | Equity | ₹0.62 Cr | 0.35% |
| Voltamp Transformers Ltd | Equity | ₹0.62 Cr | 0.35% |
| Pricol Ltd | Equity | ₹0.6 Cr | 0.34% |
| Bayer CropScience Ltd | Equity | ₹0.59 Cr | 0.34% |
| ICICI Prudential Life Insurance Company Limited | Equity | ₹0.59 Cr | 0.34% |
| United Spirits Ltd | Equity | ₹0.59 Cr | 0.34% |
| Mphasis Ltd | Equity | ₹0.57 Cr | 0.33% |
| HDFC Life Insurance Company Limited | Equity | ₹0.57 Cr | 0.33% |
| Pidilite Industries Ltd | Equity | ₹0.57 Cr | 0.33% |
| Maruti Suzuki India Ltd | Equity | ₹0.57 Cr | 0.33% |
| UTI Asset Management Co Ltd | Equity | ₹0.56 Cr | 0.32% |
| Tata Motors Ltd | Equity | ₹0.55 Cr | 0.32% |
| Jindal Steel & Power Ltd | Equity | ₹0.54 Cr | 0.31% |
| Campus Activewear Ltd | Equity | ₹0.54 Cr | 0.31% |
| ACC Ltd | Equity | ₹0.54 Cr | 0.31% |
| Swan Energy Ltd | Equity | ₹0.53 Cr | 0.30% |
| Adani Energy Solutions Ltd | Equity | ₹0.52 Cr | 0.30% |
| Amber Enterprises India Ltd Ordinary Shares | Equity | ₹0.46 Cr | 0.26% |
| 3M India Ltd | Equity | ₹0.46 Cr | 0.26% |
| Praveg Ltd Ordinary Shares | Equity | ₹0.42 Cr | 0.24% |
| Equitas Small Finance Bank Ltd Ordinary Shares | Equity | ₹0.41 Cr | 0.24% |
| Godrej Industries Ltd | Equity | ₹0.36 Cr | 0.21% |
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹10.39 Cr | 5.95% |
| Industrials | ₹9.12 Cr | 5.22% |
| Consumer Defensive | ₹8.24 Cr | 4.72% |
| Consumer Cyclical | ₹7.77 Cr | 4.45% |
| Energy | ₹4.83 Cr | 2.77% |
| Basic Materials | ₹4.7 Cr | 2.69% |
| Technology | ₹2.87 Cr | 1.64% |
| Utilities | ₹1.61 Cr | 0.92% |
| Real Estate | ₹0.62 Cr | 0.36% |
| Healthcare | ₹0.62 Cr | 0.35% |
| Communication Services | ₹0.42 Cr | 0.24% |
Risk & Performance Ratios
Standard Deviation
This fund
4.07%
Cat. avg.
--
Lower the better
Sharpe Ratio
This fund
0.76
Cat. avg.
--
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
--
Higher the better
Fund Managers
MN
Murthy Nagarajan
Since April 2017
SU
Sonam Udasi
Since April 2016
Additional Scheme Detailsas of 15th July 2024
ISIN | INF277K01QM5 | Expense Ratio | 0.97% | Exit Load | 1.00% | Fund Size | ₹175 Cr | Age | 01 Jan 2013 | 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
Withdrawal within 1 year
Flat 15% tax on realised gains (STCG - short term capital gains)
Withdrawal after 1 year
10% tax on realised gains above Rs. 1 lakh per financial year (LTCG - long term capital gains)
Note: Mutual funds are subject to capital gains taxation with surcharge and cess, based on prevailing income tax rules and investor income. Taxation applies to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Retirement Funds
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| Tata Retirement Savings Moderate Fund Regular Growth Very High Risk | 2.0% | 1.0% | ₹2107.27 Cr | 31.1% |
| Tata Retirement Savings Conservative Fund Regular Growth Moderately High risk | 2.2% | 1.0% | ₹174.60 Cr | 14.1% |
| Tata Retirement Savings Progressive Fund Regular Growth Very High Risk | 2.0% | 1.0% | ₹2002.53 Cr | 37.2% |
| Axis Retirement Savings Fund - Aggressive Plan Regular Growth Very High Risk | 2.2% | 0.0% | ₹894.08 Cr | 31.7% |
| Axis Retirement Savings Fund - Conservative Plan Direct Growth High Risk | 0.7% | 0.0% | ₹74.96 Cr | 19.4% |
| Axis Retirement Savings Fund - Aggressive Plan Direct Growth Very High Risk | 0.9% | 0.0% | ₹894.08 Cr | 33.5% |
| Axis Retirement Savings Fund - Dynamic Plan Regular Growth Very High Risk | 2.4% | 0.0% | ₹366.98 Cr | 33.9% |
| Axis Retirement Savings Fund - Dynamic Plan Direct Growth Very High Risk | 1.0% | 0.0% | ₹366.98 Cr | 35.8% |
| Axis Retirement Savings Fund - Conservative Plan Regular Growth High Risk | 2.1% | 0.0% | ₹74.96 Cr | 17.8% |
| Franklin India Pension Plan Regular Growth Moderately High risk | 2.3% | 3.0% | ₹519.24 Cr | 18.9% |
About the AMC
Total AUM
₹1,55,659 Cr
Address
Mafatlal Centre, 9th Floor, Mumbai, 400 021
Other Funds by Tata Mutual Fund
Risk Level
Your principal amount will be at Moderately High risk
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We're here to help.
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 25-Jul-2024, is ₹35.12.
What are the returns of Tata Retirement Savings Conservative Fund Direct Growth?
The fund has generated 15.46% over the last 1 year and 8.97% 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 29.32% in equities, 51.06% in bonds, and 19.62% 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
- 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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Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377 and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.