Dezerv

Fund Overview

Fund Size

Fund Size

₹1,977 Cr

Expense Ratio

Expense Ratio

0.62%

ISIN

ISIN

INF277K01QN3

Minimum SIP

Minimum SIP

₹1,000

Exit Load

Exit Load

1.00%

Inception Date

Inception Date

01 Jan 2013

About this fund

Tata Retirement Savings Moderate Fund Direct Growth is a Retirement mutual fund schemes offered by Tata Mutual Fund. This fund has been in existence for 11 years, 4 months and 17 days, having been launched on 01-Jan-13.
As of 17-May-24, it has a Net Asset Value (NAV) of ₹67.06, Assets Under Management (AUM) of 1977.17 Crores, and an expense ratio of 0.62%.
  • Tata Retirement Savings Moderate Fund Direct Growth has given a CAGR return of 16.38% since inception.
  • The fund's asset allocation comprises around 84.17% in equities, 9.31% in debts, and 6.52% in cash & cash equivalents.
  • You can start investing in Tata Retirement Savings Moderate 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

+31.92%

(Cat Avg.)

3 Years

+16.61%

(Cat Avg.)

5 Years

+15.86%

(Cat Avg.)

10 Years

+16.81%

(Cat Avg.)

Since Inception

+16.38%

(Cat Avg.)

Portfolio Summaryas of 30th April 2024

Equity1,664.28 Cr84.17%
Debt183.99 Cr9.31%
Others128.9 Cr6.52%

Top Holdings

All Holdings

Equity

Debt & Others

NameType sortAmount sortHoldings sort
HDFC Bank LtdEquity102.83 Cr5.20%
Reliance Industries LtdEquity87.14 Cr4.41%
Cash / Net Current AssetCash76.85 Cr3.89%
ITC LtdEquity68.66 Cr3.47%
ICICI Bank LtdEquity65.57 Cr3.32%
Solar Industries India LtdEquity56.59 Cr2.86%
Tata Consultancy Services LtdEquity53.7 Cr2.72%
Jupiter Wagons LtdEquity48.89 Cr2.47%
Radico Khaitan LtdEquity48.23 Cr2.44%
APL Apollo Tubes LtdEquity47.32 Cr2.39%
Zomato LtdEquity42.71 Cr2.16%
Tata Consumer Products LtdEquity35.69 Cr1.81%
Karur Vysya Bank LtdEquity35.48 Cr1.79%
Adani Ports & Special Economic Zone LtdEquity34.58 Cr1.75%
Polycab India LtdEquity33.15 Cr1.68%
ACC LtdEquity32.41 Cr1.64%
PB Fintech LtdEquity32.19 Cr1.63%
Kirloskar Pneumatic Co LtdEquity31.9 Cr1.61%
Nestle India LtdEquity31.44 Cr1.59%
Metro Brands LtdEquity31.35 Cr1.59%
Indian Oil Corp LtdEquity30.44 Cr1.54%
7.38% Govt Stock 2027Bond - Gov't/Treasury30.15 Cr1.53%
7.27% Govt Stock 2026Bond - Gov't/Treasury30.07 Cr1.52%
Exide Industries LtdEquity29.93 Cr1.51%
Bosch LtdEquity28.92 Cr1.46%
3M India LtdEquity28.34 Cr1.43%
Avenue Supermarts LtdEquity27.62 Cr1.40%
Oil India LtdEquity26.84 Cr1.36%
Bharat Electronics LtdEquity25.39 Cr1.28%
HDFC Bank LimitedBond - Corporate Bond25.03 Cr1.27%
Sunteck Realty LtdEquity25.01 Cr1.26%
Hero MotoCorp LtdEquity23.53 Cr1.19%
Godrej Industries LtdEquity23.15 Cr1.17%
Muthoot Finance LtdEquity22.54 Cr1.14%
DOMS Industries LtdEquity22.07 Cr1.12%
Mindspace Business Parks ReitBond - Corporate Bond21.82 Cr1.10%
Bandhan Bank LtdEquity21.35 Cr1.08%
Dixon Technologies (India) LtdEquity21.27 Cr1.08%
Cera Sanitaryware LtdEquity20.31 Cr1.03%
6.79% Govt Stock 2029Bond - Gov't/Treasury19.61 Cr0.99%
Titan Co LtdEquity19.56 Cr0.99%
Kaynes Technology India LtdEquity19.18 Cr0.97%
UTI Asset Management Co LtdEquity19.18 Cr0.97%
Petronet LNG LtdEquity19.1 Cr0.97%
Praveg Ltd Ordinary SharesEquity18.95 Cr0.96%
Maruti Suzuki India LtdEquity18.46 Cr0.93%
Cyient LtdEquity18.07 Cr0.91%
United Spirits LtdEquity17.42 Cr0.88%
Pricol LtdEquity17.4 Cr0.88%
Mahanagar Gas LtdEquity17.32 Cr0.88%
Aurobindo Pharma LtdEquity17.3 Cr0.88%
Voltamp Transformers LtdEquity17.26 Cr0.87%
NTPC LtdEquity17.25 Cr0.87%
Jindal Steel & Power LtdEquity17.15 Cr0.87%
Sonata Software LtdEquity16.79 Cr0.85%
Pidilite Industries LtdEquity16.16 Cr0.82%
Jio Financial Services LtdEquity16.02 Cr0.81%
HDFC Life Insurance Company LimitedEquity15.23 Cr0.77%
Swan Energy LtdEquity14.98 Cr0.76%
Bajaj Housing Finance LimitedBond - Corporate Bond14.97 Cr0.76%
Campus Activewear LtdEquity14.59 Cr0.74%
Jamnagar Utilities & Power Private LimitedBond - Corporate Bond14.48 Cr0.73%
Malwa Solar Power Generation Private LimitedBond - Corporate Bond13.67 Cr0.69%
Amber Enterprises India Ltd Ordinary SharesEquity11.54 Cr0.58%
6.1% Govt Stock 2031Bond - Gov't/Treasury10.9 Cr0.55%
Yarrow Infrastructure Private LimitedBond - Corporate Bond10.36 Cr0.52%
7.36% Govt Stock 2052Bond - Gov't/Treasury10.08 Cr0.51%
Sepset Constructions LimitedBond - Corporate Bond9.27 Cr0.47%
Matrimony.com LtdEquity8.81 Cr0.45%
Power Finance Corporation LimitedBond - Corporate Bond4.99 Cr0.25%
Bharti Telecom LimitedBond - Corporate Bond4.99 Cr0.25%
Nhpc LimitedBond - Corporate Bond4.96 Cr0.25%
Nhpc LimitedBond - Corporate Bond4.91 Cr0.25%
B) RepoCash - Repurchase Agreement2.99 Cr0.15%
7.26% Govt Stock 2029Bond - Gov't/Treasury2 Cr0.10%
Priapus Infrastructure LimitedBond - Corporate Bond0.78 Cr0.04%

Allocation By Market Cap (Equity)

Large Cap Stocks

40.23%

Mid Cap Stocks

20.83%

Small Cap Stocks

23.11%

Allocation By Credit Quality (Debt)

AAA

AA

Other Allocation

Equity Sector

Debt & Others

SectorAmount sortHoldings sort
Financial Services330.41 Cr16.71%
Industrials322.28 Cr16.30%
Consumer Cyclical252.97 Cr12.79%
Consumer Defensive229.06 Cr11.59%
Basic Materials169.63 Cr8.58%
Energy163.52 Cr8.27%
Technology91.77 Cr4.64%
Utilities34.57 Cr1.75%
Communication Services27.76 Cr1.40%
Real Estate25.01 Cr1.26%
Healthcare17.3 Cr0.88%

Risk & Performance Ratios

Standard Deviation

This fund

9.90%

Cat. avg.

--

Lower the better

Sharpe Ratio

This fund

1.05

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

ISININF277K01QN3Expense Ratio0.62%Exit Load1.00%Fund Size₹1,977 CrAge01 Jan 2013Lumpsum Minimum₹5,000Fund StatusOpen Ended Investment CompanyBenchmarkCRISIL Hybrid 25+75-Aggressive 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 Cr30.1%
Tata Retirement Savings Conservative Fund Regular Growth

Moderately High risk

2.2%1.0%₹165.87 Cr13.4%
Tata Retirement Savings Progressive Fund Regular Growth

Very High Risk

2.0%1.0%₹1835.96 Cr36.2%
Axis Retirement Savings Fund - Aggressive Plan Regular Growth

Very High Risk

2.3%0.0%₹839.31 Cr30.2%
Axis Retirement Savings Fund - Conservative Plan Direct Growth

High Risk

0.7%0.0%₹75.26 Cr19.1%
Axis Retirement Savings Fund - Aggressive Plan Direct Growth

Very High Risk

0.9%0.0%₹839.31 Cr31.9%
Axis Retirement Savings Fund - Dynamic Plan Regular Growth

Very High Risk

2.4%0.0%₹347.27 Cr31.0%
Axis Retirement Savings Fund - Dynamic Plan Direct Growth

Very High Risk

1.6%0.0%₹347.27 Cr32.9%
Axis Retirement Savings Fund - Conservative Plan Regular Growth

High Risk

2.1%0.0%₹75.26 Cr17.4%
Franklin India Pension Plan Regular Growth

Moderately High risk

2.3%3.0%₹503.50 Cr18.6%

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 Cr23.1%
Tata Ultra Short Term Fund Direct Growth

Low to Moderate Risk

0.4%0.0%₹2712.12 Cr7.6%
Tata Business Cycle Fund Direct Growth

Very High Risk

0.4%1.0%₹2200.75 Cr54.1%
Tata Nifty India Digital ETF Fund of Fund Direct Growth

Very High Risk

0.1%1.0%₹48.64 Cr44.2%
Tata Nifty SDL Plus AAA PSU Bond Dec 2027 60: 40 Index Fund Direct Growth

Low to Moderate Risk

0.2%0.0%₹846.83 Cr6.7%
Tata Floating Rate Fund Direct Growth

Low to Moderate Risk

0.3%0.0%₹219.91 Cr7.4%
Tata Small Cap Fund Direct Growth

Very High Risk

0.3%1.0%₹6951.59 Cr46.9%
Tata Large & Mid Cap Fund Direct Growth

Very High Risk

0.7%1.0%₹7203.51 Cr32.7%
Tata Mid Cap Growth Fund Direct Growth

Very High Risk

0.8%1.0%₹3637.33 Cr57.8%
Tata Hybrid Equity Fund Direct Growth

Very High Risk

1.0%1.0%₹3748.90 Cr24.2%
Tata Ethical Fund Direct Growth

Very High Risk

0.8%0.0%₹2489.80 Cr33.4%
Tata Gilt Securities Fund Direct Growth

Moderate Risk

0.4%0.0%₹764.20 Cr7.0%
Tata Equity P/E Fund Direct Growth

Very High Risk

0.8%1.0%₹7753.52 Cr50.8%
Tata Infrastructure Fund Direct Growth

Very High Risk

1.3%0.0%₹2064.50 Cr73.6%
Tata Treasury Advantage Fund Direct Growth

Low to Moderate Risk

0.2%0.0%₹2349.85 Cr7.3%
Tata Money Market Fund Direct Growth

Low to Moderate Risk

0.1%0.0%₹17287.51 Cr7.8%
Tata Equity Savings Fund Direct Growth

Moderately High risk

0.5%0.0%₹141.56 Cr16.1%
Tata Young Citizens Fund Direct Growth

Very High Risk

2.2%1.0%₹339.36 Cr29.5%
Tata Liquid Fund Direct Growth

Low to Moderate Risk

0.2%0.0%₹17257.17 Cr7.3%
Tata Large Cap Fund Direct Growth

Very High Risk

1.1%1.0%₹2103.32 Cr34.8%
Tata Retirement Savings Moderate Fund Direct Growth

Very High Risk

0.6%1.0%₹1977.17 Cr31.9%
Tata Retirement Savings Conservative Fund Direct Growth

Moderately High risk

1.0%1.0%₹165.87 Cr14.7%
Tata Short Term Bond Fund Direct Growth

Moderate Risk

0.4%0.0%₹2333.49 Cr7.0%
Tata Retirement Savings Progressive Fund Direct Growth

Very High Risk

0.6%1.0%₹1835.96 Cr38.2%
Tata Corporate Bond Fund Direct Growth

Moderate Risk

0.3%0.0%₹1105.85 Cr7.2%
Tata India Consumer Fund Direct Growth

Very High Risk

0.8%0.0%₹1949.56 Cr39.9%
Tata Digital India Fund Direct Growth

Very High Risk

0.4%0.0%₹9460.81 Cr36.0%
Tata Banking & Financial Services Fund Direct Growth

Very High Risk

0.5%0.0%₹2093.75 Cr23.5%
Tata Resources & Energy Fund Direct Growth

Very High Risk

0.8%0.0%₹593.80 Cr47.2%
Tata India Pharma & Healthcare Fund Direct Growth

Very High Risk

0.8%0.0%₹893.64 Cr55.8%
TATA Nifty G-SEC Dec 2029 Index Fund Direct Growth

Moderate Risk

0.1%0.0%₹169.84 Cr6.5%
Tata Multi Asset Opportunities Fund Direct Growth

Very High Risk

0.4%1.0%₹2754.79 Cr28.6%
Tata Flexi Cap Fund Direct Growth

Very High Risk

0.7%1.0%₹2751.38 Cr35.1%
Tata Dividend Yield Fund Direct Growth

Very High Risk

0.5%1.0%₹889.11 Cr44.8%
Tata Housing Opportunities Fund Direct Growth

Very High Risk

0.7%1.0%₹565.65 Cr39.5%
Tata Arbitrage Fund Direct Growth

Low Risk

0.3%0.0%₹11605.73 Cr8.4%
Tata Banking & PSU Debt Fund Direct Growth

Moderate Risk

0.3%0.0%₹213.01 Cr6.9%
Tata Overnight Fund Direct Growth

Low Risk

0.1%0.0%₹3181.71 Cr6.8%
Tata Nifty Midcap 150 Momentum 50 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹258.60 Cr75.1%
Tata CRISIL IBX Gilt Index-April 2026 Fund Direct Growth

Low to Moderate Risk

0.1%0.0%₹1102.39 Cr6.6%
Tata Multicap Fund Direct Growth

Very High Risk

0.3%1.0%₹2933.77 Cr31.3%
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 Cr6.6%

Risk Level

Your principal amount will be at Very High Risk

Very High Risk
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The NAV of Tata Retirement Savings Moderate Fund Direct Growth, as of 17-May-2024, is ₹67.06.
The fund has generated 31.92% over the last 1 year and 16.61% 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 84.17% in equities, 9.31% in bonds, and 6.52% in cash and cash equivalents.
The fund managers responsible for Tata Retirement Savings Moderate Fund Direct Growth are:-
  1. Murthy Nagarajan
  2. Sonam Udasi