Tata Retirement Savings Conservative Fund Regular Growth
HybridRetirementModerately High risk
Regular
NAV (11-Sep-24)
₹30.82-0.05%1D
Returns (Since Inception)
9.14%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹176 Cr
Expense Ratio
2.17%
ISIN
INF277K01FI6
Minimum SIP
₹1,000
Exit Load
1.00%
Inception Date
01 Nov 2011
About this fund
Tata Retirement Savings Conservative Fund Regular Growth is a Retirement mutual fund schemes offered by Tata Mutual Fund. This fund has been in existence for 12 years, 10 months and 11 days, having been launched on 01-Nov-11.
As of 11-Sep-24, it has a Net Asset Value (NAV) of ₹30.82, Assets Under Management (AUM) of 175.70 Crores, and an expense ratio of 2.17%.
As of 11-Sep-24, it has a Net Asset Value (NAV) of ₹30.82, Assets Under Management (AUM) of 175.70 Crores, and an expense ratio of 2.17%.
- Tata Retirement Savings Conservative Fund Regular Growth has given a CAGR return of 9.14% since inception.
- The fund's asset allocation comprises around 28.75% in equities, 51.44% in debts, and 19.80% in cash & cash equivalents.
- You can start investing in Tata Retirement Savings Conservative Fund Regular 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
+13.45%
— (Cat Avg.)
3 Years
+7.17%
— (Cat Avg.)
5 Years
+9.03%
— (Cat Avg.)
10 Years
+8.52%
— (Cat Avg.)
Since Inception
+9.14%
— (Cat Avg.)
Portfolio Summaryas of 15th August 2024
| Equity | ₹50.52 Cr | 28.75% |
| Debt | ₹90.38 Cr | 51.44% |
| Others | ₹34.8 Cr | 19.80% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| Cash / Net Current Asset | Cash - Collateral | ₹33.35 Cr | 19.18% |
| 7.38% Govt Stock 2027 | Bond - Gov't/Treasury | ₹15.24 Cr | 8.76% |
| 7.17% Govt Stock 2030 | Bond - Gov't/Treasury | ₹15.23 Cr | 8.76% |
| 7.36% Govt Stock 2052 | Bond - Gov't/Treasury | ₹10.44 Cr | 6.00% |
| 7.27% Govt Stock 2026 | Bond - Gov't/Treasury | ₹10.08 Cr | 5.79% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹9.99 Cr | 5.74% |
| Jamnagar Utilities & Power Private Limited | Bond - Corporate Bond | ₹9.73 Cr | 5.59% |
| 8.24% Govt Stock 2027 | Bond - Gov't/Treasury | ₹5.17 Cr | 2.97% |
| 8.2% Govt Stock 2025 | Bond - Gov't/Treasury | ₹5.08 Cr | 2.92% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹5.01 Cr | 2.88% |
| 08.44 MH Sdl 2024 | Bond - Gov't/Treasury | ₹3.51 Cr | 2.02% |
| HDFC Bank Ltd | Equity | ₹3.34 Cr | 1.92% |
| ITC Ltd | Equity | ₹2.71 Cr | 1.56% |
| Reliance Industries Ltd | Equity | ₹2.55 Cr | 1.47% |
| Zomato Ltd | Equity | ₹1.72 Cr | 0.99% |
| Bikaji Foods International Ltd | Equity | ₹1.5 Cr | 0.86% |
| Solar Industries India Ltd | Equity | ₹1.42 Cr | 0.82% |
| Tata Consultancy Services Ltd | Equity | ₹1.41 Cr | 0.81% |
| Oil India Ltd | Equity | ₹1.39 Cr | 0.80% |
| DOMS Industries Ltd | Equity | ₹1.32 Cr | 0.76% |
| ICICI Bank Ltd | Equity | ₹1.28 Cr | 0.73% |
| Adani Ports & Special Economic Zone Ltd | Equity | ₹1.17 Cr | 0.67% |
| B) Repo | Cash - Repurchase Agreement | ₹1.09 Cr | 0.63% |
| Mahanagar Gas Ltd | Equity | ₹1.09 Cr | 0.63% |
| Radico Khaitan Ltd | Equity | ₹1.07 Cr | 0.62% |
| BSE Ltd | Equity | ₹1.02 Cr | 0.59% |
| Jupiter Wagons Ltd | Equity | ₹1.01 Cr | 0.58% |
| Metro Brands Ltd | Equity | ₹1 Cr | 0.57% |
| Karur Vysya Bank Ltd | Equity | ₹0.98 Cr | 0.56% |
| Tata Consumer Products Ltd | Equity | ₹0.93 Cr | 0.54% |
| PB Fintech Ltd | Equity | ₹0.93 Cr | 0.53% |
| Kaynes Technology India Ltd | Equity | ₹0.91 Cr | 0.53% |
| ICICI Prudential Life Insurance Company Limited | Equity | ₹0.9 Cr | 0.52% |
| Avenue Supermarts Ltd | Equity | ₹0.89 Cr | 0.51% |
| Exide Industries Ltd | Equity | ₹0.88 Cr | 0.50% |
| Dixon Technologies (India) Ltd | Equity | ₹0.87 Cr | 0.50% |
| Nestle India Ltd | Equity | ₹0.87 Cr | 0.50% |
| HDFC Life Insurance Company Limited | Equity | ₹0.86 Cr | 0.49% |
| Polycab India Ltd | Equity | ₹0.74 Cr | 0.42% |
| Bosch Ltd | Equity | ₹0.71 Cr | 0.41% |
| APL Apollo Tubes Ltd | Equity | ₹0.71 Cr | 0.41% |
| Aurobindo Pharma Ltd | Equity | ₹0.68 Cr | 0.39% |
| Muthoot Finance Ltd | Equity | ₹0.65 Cr | 0.38% |
| Voltamp Transformers Ltd | Equity | ₹0.65 Cr | 0.38% |
| United Spirits Ltd | Equity | ₹0.63 Cr | 0.36% |
| Kirloskar Pneumatic Co Ltd | Equity | ₹0.63 Cr | 0.36% |
| Pricol Ltd | Equity | ₹0.6 Cr | 0.34% |
| Sunteck Realty Ltd | Equity | ₹0.59 Cr | 0.34% |
| Tata Motors Ltd | Equity | ₹0.57 Cr | 0.33% |
| Adani Energy Solutions Ltd | Equity | ₹0.57 Cr | 0.33% |
| Nuvoco Vista Corp Ltd | Equity | ₹0.56 Cr | 0.32% |
| Bayer CropScience Ltd | Equity | ₹0.56 Cr | 0.32% |
| Maruti Suzuki India Ltd | Equity | ₹0.55 Cr | 0.32% |
| Pidilite Industries Ltd | Equity | ₹0.55 Cr | 0.31% |
| UTI Asset Management Co Ltd | Equity | ₹0.55 Cr | 0.31% |
| Bharat Electronics Ltd | Equity | ₹0.53 Cr | 0.30% |
| Mphasis Ltd | Equity | ₹0.51 Cr | 0.30% |
| Campus Activewear Ltd | Equity | ₹0.51 Cr | 0.30% |
| Swan Energy Ltd | Equity | ₹0.51 Cr | 0.29% |
| Hero MotoCorp Ltd | Equity | ₹0.5 Cr | 0.29% |
| Astec Lifesciences Limited | Equity | ₹0.47 Cr | 0.27% |
| ACC Ltd | Equity | ₹0.46 Cr | 0.26% |
| Praveg Ltd Ordinary Shares | Equity | ₹0.45 Cr | 0.26% |
| 3M India Ltd | Equity | ₹0.42 Cr | 0.24% |
| Amber Enterprises India Ltd Ordinary Shares | Equity | ₹0.4 Cr | 0.23% |
| Godrej Industries Ltd | Equity | ₹0.36 Cr | 0.20% |
| Equitas Small Finance Bank Ltd Ordinary Shares | Equity | ₹0.35 Cr | 0.20% |
| Tata Consumer Prod | Equity | ₹0.01 Cr | 0.01% |
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹10.86 Cr | 6.24% |
| Consumer Defensive | ₹8.61 Cr | 4.95% |
| Consumer Cyclical | ₹7.94 Cr | 4.57% |
| Industrials | ₹7.73 Cr | 4.45% |
| Basic Materials | ₹4.26 Cr | 2.45% |
| Energy | ₹3.94 Cr | 2.26% |
| Technology | ₹2.79 Cr | 1.61% |
| Utilities | ₹1.66 Cr | 0.95% |
| Healthcare | ₹0.68 Cr | 0.39% |
| Real Estate | ₹0.59 Cr | 0.34% |
| Communication Services | ₹0.45 Cr | 0.26% |
Risk & Performance Ratios
Standard Deviation
This fund
4.03%
Cat. avg.
--
Lower the better
Sharpe Ratio
This fund
0.39
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 August 2024
ISIN | INF277K01FI6 | Expense Ratio | 2.17% | Exit Load | 1.00% | Fund Size | ₹176 Cr | Age | 01 Nov 2011 | 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:
- If units are sold after 1 year from the date of investment: Gains up to INR 1.25 lakh in a financial year are exempt from tax. Any gains exceeding INR 1.25 lakh are taxed at a rate of 12.5%.
- If units are sold within 1 year from the date of investment: The entire amount of gain is taxed at a rate of 20%.
- Holding the units: No tax is applicable as long as you continue to hold the units.
Dividend Taxation:
Dividends are added to the investor’s income and taxed according to their respective tax slabs. Additionally, if an investors dividend income exceeds INR 5,000 in a financial year, the fund house deducts a 10% Tax Deducted at Source (TDS) before distributing the dividend.
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.
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% | ₹2205.81 Cr | 27.8% |
| Tata Retirement Savings Conservative Fund Regular Growth Moderately High risk | 2.2% | 1.0% | ₹175.70 Cr | 13.5% |
| Tata Retirement Savings Progressive Fund Regular Growth Very High Risk | 2.0% | 1.0% | ₹2131.58 Cr | 33.0% |
| Axis Retirement Savings Fund - Aggressive Plan Regular Growth Very High Risk | 2.2% | 0.0% | ₹950.70 Cr | 34.2% |
| Axis Retirement Savings Fund - Conservative Plan Direct Growth High Risk | 0.7% | 0.0% | ₹76.28 Cr | 20.7% |
| Axis Retirement Savings Fund - Aggressive Plan Direct Growth Very High Risk | 0.9% | 0.0% | ₹950.70 Cr | 36.0% |
| Axis Retirement Savings Fund - Dynamic Plan Regular Growth Very High Risk | 2.4% | 0.0% | ₹393.70 Cr | 37.9% |
| Axis Retirement Savings Fund - Dynamic Plan Direct Growth Very High Risk | 1.0% | 0.0% | ₹393.70 Cr | 39.7% |
| Axis Retirement Savings Fund - Conservative Plan Regular Growth High Risk | 2.1% | 0.0% | ₹76.28 Cr | 19.0% |
| Franklin India Pension Plan Regular Growth High Risk | 2.3% | 3.0% | ₹526.40 Cr | 17.6% |
About the AMC
Total AUM
₹1,76,658 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 Regular Growth?
The NAV of Tata Retirement Savings Conservative Fund Regular Growth, as of 11-Sep-2024, is ₹30.82.
What are the returns of Tata Retirement Savings Conservative Fund Regular Growth?
The fund has generated 13.45% over the last 1 year and 7.17% 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 Regular Growth?
The fund's allocation of assets is distributed as 28.75% in equities, 51.44% in bonds, and 19.80% in cash and cash equivalents.
Who manages the Tata Retirement Savings Conservative Fund Regular Growth?
The fund managers responsible for Tata Retirement Savings Conservative Fund Regular 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.