Dezerv

Fund Overview

Fund Size

Fund Size

₹165 Cr

Expense Ratio

Expense Ratio

2.17%

ISIN

ISIN

INF277K01FI6

Minimum SIP

Minimum SIP

₹1,000

Exit Load

Exit Load

1.00%

Inception Date

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, 6 months and 21 days, having been launched on 01-Nov-11.
As of 21-May-24, it has a Net Asset Value (NAV) of ₹29.24, Assets Under Management (AUM) of 165.31 Crores, and an expense ratio of 2.17%.
  • Tata Retirement Savings Conservative Fund Regular Growth has given a CAGR return of 8.92% since inception.
  • The fund's asset allocation comprises around 29.90% in equities, 53.35% in debts, and 16.75% 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

+13.80%

(Cat Avg.)

3 Years

+7.13%

(Cat Avg.)

5 Years

+8.03%

(Cat Avg.)

10 Years

+8.83%

(Cat Avg.)

Since Inception

+8.92%

(Cat Avg.)

Portfolio Summaryas of 30th April 2024

Equity49.42 Cr29.90%
Debt88.2 Cr53.35%
Others27.69 Cr16.75%

Top Holdings

All Holdings

Equity

Debt & Others

NameType sortAmount sortHoldings sort
Cash / Net Current AssetCash - Collateral16.9 Cr10.23%
7.38% Govt Stock 2027Bond - Gov't/Treasury15.12 Cr9.15%
7.17% Govt Stock 2030Bond - Gov't/Treasury15.05 Cr9.10%
7.36% Govt Stock 2052Bond - Gov't/Treasury10.22 Cr6.18%
7.27% Govt Stock 2026Bond - Gov't/Treasury10.03 Cr6.07%
Bajaj Housing Finance LimitedBond - Corporate Bond9.99 Cr6.04%
Power Finance Corporation LimitedBond - Corporate Bond9.98 Cr6.04%
Jamnagar Utilities & Power Private LimitedBond - Corporate Bond9.67 Cr5.85%
8.24% Govt Stock 2027Bond - Gov't/Treasury5.14 Cr3.11%
8.2% Govt Stock 2025Bond - Gov't/Treasury5.07 Cr3.07%
Bharti Telecom LimitedBond - Corporate Bond4.98 Cr3.01%
08.44 MH Sdl 2024Bond - Gov't/Treasury3.52 Cr2.13%
HDFC Bank LtdEquity2.55 Cr1.54%
Reliance Industries LtdEquity2.47 Cr1.50%
ITC LtdEquity2.35 Cr1.42%
APL Apollo Tubes LtdEquity2.05 Cr1.24%
Tata Consultancy Services LtdEquity1.97 Cr1.19%
Solar Industries India LtdEquity1.62 Cr0.98%
Jupiter Wagons LtdEquity1.47 Cr0.89%
Zomato LtdEquity1.27 Cr0.77%
ICICI Bank LtdEquity1.24 Cr0.75%
Adani Ports & Special Economic Zone LtdEquity1.07 Cr0.65%
Polycab India LtdEquity1.07 Cr0.65%
Karur Vysya Bank LtdEquity1.06 Cr0.64%
Radico Khaitan LtdEquity1.05 Cr0.64%
3M India LtdEquity1.05 Cr0.64%
DOMS Industries LtdEquity1.05 Cr0.63%
Aurobindo Pharma LtdEquity1.04 Cr0.63%
ACC LtdEquity1 Cr0.60%
Metro Brands LtdEquity0.99 Cr0.60%
B) RepoCash - Repurchase Agreement0.98 Cr0.59%
Bosch LtdEquity0.96 Cr0.58%
Bikaji Foods International LtdEquity0.93 Cr0.56%
PB Fintech LtdEquity0.93 Cr0.56%
Exide Industries LtdEquity0.93 Cr0.56%
Indian Oil Corp LtdEquity0.92 Cr0.56%
Nestle India LtdEquity0.86 Cr0.52%
Oil India LtdEquity0.86 Cr0.52%
Tata Consumer Products LtdEquity0.86 Cr0.52%
Bharat Electronics LtdEquity0.84 Cr0.51%
Avenue Supermarts LtdEquity0.84 Cr0.51%
Kaynes Technology India LtdEquity0.79 Cr0.48%
Saregama India LtdEquity0.76 Cr0.46%
Titan Co LtdEquity0.72 Cr0.44%
Dixon Technologies (India) LtdEquity0.69 Cr0.42%
Bandhan Bank LtdEquity0.64 Cr0.39%
Petronet LNG LtdEquity0.61 Cr0.37%
Muthoot Finance LtdEquity0.6 Cr0.36%
Cyient LtdEquity0.6 Cr0.36%
Kirloskar Pneumatic Co LtdEquity0.58 Cr0.35%
NTPC LtdEquity0.54 Cr0.33%
Voltamp Transformers LtdEquity0.54 Cr0.33%
Pidilite Industries LtdEquity0.54 Cr0.33%
Jindal Steel & Power LtdEquity0.54 Cr0.32%
United Spirits LtdEquity0.53 Cr0.32%
Pricol LtdEquity0.53 Cr0.32%
Praveg Ltd Ordinary SharesEquity0.49 Cr0.30%
UTI Asset Management Co LtdEquity0.47 Cr0.29%
Mahanagar Gas LtdEquity0.46 Cr0.28%
Jio Financial Services LtdEquity0.46 Cr0.28%
Campus Activewear LtdEquity0.45 Cr0.27%
Swan Energy LtdEquity0.44 Cr0.26%
Sunteck Realty LtdEquity0.44 Cr0.26%
Amber Enterprises India Ltd Ordinary SharesEquity0.37 Cr0.22%
Godrej Industries LtdEquity0.32 Cr0.19%
Maruti Suzuki India LtdEquity0.26 Cr0.15%

Allocation By Credit Quality (Debt)

AAA

AA

Other Allocation

Equity Sector

Debt & Others

SectorAmount sortHoldings sort
Industrials9.36 Cr5.66%
Financial Services7.96 Cr4.81%
Consumer Defensive7.42 Cr4.49%
Consumer Cyclical6.9 Cr4.17%
Basic Materials5.74 Cr3.47%
Energy4.87 Cr2.95%
Technology2.66 Cr1.61%
Communication Services1.25 Cr0.76%
Healthcare1.04 Cr0.63%
Utilities1 Cr0.61%
Real Estate0.44 Cr0.26%

Risk & Performance Ratios

Standard Deviation

This fund

3.96%

Cat. avg.

--

Lower the better

Sharpe Ratio

This fund

0.40

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 30th April 2024

ISININF277K01FI6Expense Ratio2.17%Exit Load1.00%Fund Size₹165 CrAge01 Nov 2011Lumpsum Minimum₹5,000Fund StatusOpen Ended Investment CompanyBenchmarkCRISIL Short Term Debt Hyb 75+25 TR INR

Investment ObjectiveInvestment 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 nameExpense RatioExit LoadFund size
1Y
Tata Retirement Savings Moderate Fund Regular Growth

Very High Risk

2.0%1.0%₹1977.17 Cr30.9%
Tata Retirement Savings Conservative Fund Regular Growth

Moderately High risk

2.2%1.0%₹165.31 Cr13.8%
Tata Retirement Savings Progressive Fund Regular Growth

Very High Risk

2.0%1.0%₹1835.96 Cr37.1%
Axis Retirement Savings Fund - Aggressive Plan Regular Growth

Very High Risk

2.3%0.0%₹839.31 Cr30.8%
Axis Retirement Savings Fund - Conservative Plan Direct Growth

High Risk

0.7%0.0%₹75.83 Cr19.3%
Axis Retirement Savings Fund - Aggressive Plan Direct Growth

Very High Risk

0.9%0.0%₹839.31 Cr32.6%
Axis Retirement Savings Fund - Dynamic Plan Regular Growth

Very High Risk

2.4%0.0%₹347.27 Cr31.7%
Axis Retirement Savings Fund - Dynamic Plan Direct Growth

Very High Risk

1.6%0.0%₹347.27 Cr33.7%
Axis Retirement Savings Fund - Conservative Plan Regular Growth

High Risk

2.1%0.0%₹75.83 Cr17.6%
Franklin India Pension Plan Regular Growth

Moderately High risk

2.3%3.0%₹500.87 Cr18.9%

About the AMC

Total AUM

₹1,43,432 Cr

Address

Mafatlal Centre, 9th Floor, Mumbai, 400 021

Other Funds by Tata Mutual Fund

Fund nameExpense RatioExit LoadFund size
1Y
Tata Silver ETF Fund of Fund Direct Growth

Very High Risk

0.1%0.0%₹31.76 Cr-
Tata Gold ETF Fund of Fund Direct Growth

High Risk

0.1%0.0%₹61.62 Cr-
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

High Risk

0.4%1.0%₹9107.02 Cr23.3%
Tata Ultra Short Term Fund Direct Growth

Low to Moderate Risk

0.4%0.0%₹2710.52 Cr7.6%
Tata Business Cycle Fund Direct Growth

Very High Risk

0.4%1.0%₹2200.75 Cr56.0%
Tata Nifty India Digital ETF Fund of Fund Direct Growth

Very High Risk

0.1%1.0%₹48.64 Cr45.0%
Tata Nifty SDL Plus AAA PSU Bond Dec 2027 60: 40 Index Fund Direct Growth

Low to Moderate Risk

0.2%0.0%₹850.24 Cr6.7%
Tata Floating Rate Fund Direct Growth

Low to Moderate Risk

0.3%0.0%₹215.30 Cr7.4%
Tata Small Cap Fund Direct Growth

Very High Risk

0.3%1.0%₹6951.59 Cr45.7%
Tata Large & Mid Cap Fund Direct Growth

Very High Risk

0.7%1.0%₹7203.51 Cr33.2%
Tata Mid Cap Growth Fund Direct Growth

Very High Risk

0.8%1.0%₹3637.33 Cr60.0%
Tata Hybrid Equity Fund Direct Growth

Very High Risk

1.0%1.0%₹3748.90 Cr24.6%
Tata Ethical Fund Direct Growth

Very High Risk

0.8%0.0%₹2489.80 Cr34.1%
Tata Gilt Securities Fund Direct Growth

Moderate Risk

0.4%0.0%₹720.40 Cr7.2%
Tata Equity P/E Fund Direct Growth

Very High Risk

0.8%1.0%₹7753.52 Cr52.5%
Tata Infrastructure Fund Direct Growth

Very High Risk

1.3%0.0%₹2064.50 Cr76.3%
Tata Treasury Advantage Fund Direct Growth

Low to Moderate Risk

0.2%0.0%₹2324.78 Cr7.4%
Tata Money Market Fund Direct Growth

Low to Moderate Risk

0.1%0.0%₹17567.63 Cr7.8%
Tata Equity Savings Fund Direct Growth

Moderately High risk

0.5%0.0%₹141.56 Cr16.6%
Tata Young Citizens Fund Direct Growth

Very High Risk

2.2%1.0%₹339.36 Cr30.0%
Tata Liquid Fund Direct Growth

Low to Moderate Risk

0.2%0.0%₹20669.86 Cr7.3%
Tata Large Cap Fund Direct Growth

Very High Risk

1.1%1.0%₹2103.32 Cr36.0%
Tata Retirement Savings Moderate Fund Direct Growth

Very High Risk

0.6%1.0%₹1977.17 Cr32.8%
Tata Retirement Savings Conservative Fund Direct Growth

Moderately High risk

1.0%1.0%₹165.31 Cr15.2%
Tata Short Term Bond Fund Direct Growth

Moderate Risk

0.4%0.0%₹2226.82 Cr7.1%
Tata Retirement Savings Progressive Fund Direct Growth

Very High Risk

0.6%1.0%₹1835.96 Cr39.2%
Tata Corporate Bond Fund Direct Growth

Moderate Risk

0.3%0.0%₹1111.06 Cr7.3%
Tata India Consumer Fund Direct Growth

Very High Risk

0.8%0.0%₹1949.56 Cr40.0%
Tata Digital India Fund Direct Growth

Very High Risk

0.4%0.0%₹9460.81 Cr33.7%
Tata Banking & Financial Services Fund Direct Growth

Very High Risk

0.5%0.0%₹2093.75 Cr22.8%
Tata Resources & Energy Fund Direct Growth

Very High Risk

0.8%0.0%₹593.80 Cr51.6%
Tata India Pharma & Healthcare Fund Direct Growth

Very High Risk

0.8%0.0%₹893.64 Cr60.5%
TATA Nifty G-SEC Dec 2029 Index Fund Direct Growth

Moderate Risk

0.1%0.0%₹169.84 Cr6.7%
Tata Multi Asset Opportunities Fund Direct Growth

Very High Risk

0.4%1.0%₹2754.79 Cr29.5%
Tata Flexi Cap Fund Direct Growth

Very High Risk

0.7%1.0%₹2751.38 Cr35.5%
Tata Dividend Yield Fund Direct Growth

Very High Risk

0.5%1.0%₹889.11 Cr47.5%
Tata Housing Opportunities Fund Direct Growth

Very High Risk

0.7%1.0%₹565.65 Cr39.8%
Tata Arbitrage Fund Direct Growth

Low Risk

0.3%0.0%₹11605.73 Cr8.3%
Tata Banking & PSU Debt Fund Direct Growth

Moderate Risk

0.3%0.0%₹212.87 Cr6.9%
Tata Overnight Fund Direct Growth

Low Risk

0.1%0.0%₹3559.61 Cr6.8%
Tata Nifty Midcap 150 Momentum 50 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹258.60 Cr78.6%
Tata CRISIL IBX Gilt Index-April 2026 Fund Direct Growth

Low to Moderate Risk

0.1%0.0%₹1102.39 Cr6.7%
Tata Multicap Fund Direct Growth

Very High Risk

0.3%1.0%₹2933.77 Cr32.0%
Tata Treasury Advantage Fund Segregated Portfolio 1 Direct Growth

Low to Moderate Risk

-0.0%-154.6%
Tata Medium Term Fund Segregated Portfolio 1 Direct Growth

Moderate Risk

-1.0%-187.2%
Tata Corporate Bond Fund Segregated Portfolio 1 Direct Growth

Moderate Risk

-0.0%-116.5%
TATA Nifty G-Sec Dec 2026 Index Fund Direct Growth

Low to Moderate Risk

0.1%0.0%₹110.25 Cr6.7%

Risk Level

Your principal amount will be at Moderately High risk

Moderately High risk
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The NAV of Tata Retirement Savings Conservative Fund Regular Growth, as of 21-May-2024, is ₹29.24.
The fund has generated 13.80% over the last 1 year and 7.13% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
The fund's allocation of assets is distributed as 29.90% in equities, 53.35% in bonds, and 16.75% in cash and cash equivalents.
The fund managers responsible for Tata Retirement Savings Conservative Fund Regular Growth are:-
  1. Murthy Nagarajan
  2. Sonam Udasi