Tata Retirement Savings Moderate Fund Regular Growth
HybridRetirementVery High Risk
Regular
NAV (11-Sep-24)
₹64.39-0.31%1D
Returns (Since Inception)
15.58%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹2,206 Cr
Expense Ratio
2.00%
ISIN
INF277K01FH8
Minimum SIP
₹1,000
Exit Load
1.00%
Inception Date
01 Nov 2011
About this fund
Tata Retirement Savings Moderate 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 ₹64.39, Assets Under Management (AUM) of 2205.81 Crores, and an expense ratio of 2%.
As of 11-Sep-24, it has a Net Asset Value (NAV) of ₹64.39, Assets Under Management (AUM) of 2205.81 Crores, and an expense ratio of 2%.
- Tata Retirement Savings Moderate Fund Regular Growth has given a CAGR return of 15.58% since inception.
- The fund's asset allocation comprises around 83.33% in equities, 8.50% in debts, and 8.17% in cash & cash equivalents.
- You can start investing in Tata Retirement Savings Moderate 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
+27.76%
— (Cat Avg.)
3 Years
+13.85%
— (Cat Avg.)
5 Years
+17.59%
— (Cat Avg.)
10 Years
+13.89%
— (Cat Avg.)
Since Inception
+15.58%
— (Cat Avg.)
Portfolio Summaryas of 31st July 2024
| Equity | ₹1,838.1 Cr | 83.33% |
| Debt | ₹187.56 Cr | 8.50% |
| Others | ₹180.15 Cr | 8.17% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| Cash / Net Current Asset | Cash - Collateral | ₹176.31 Cr | 8.07% |
| HDFC Bank Ltd | Equity | ₹111.08 Cr | 5.09% |
| Reliance Industries Ltd | Equity | ₹89.42 Cr | 4.10% |
| ITC Ltd | Equity | ₹78.07 Cr | 3.58% |
| ICICI Bank Ltd | Equity | ₹52.85 Cr | 2.42% |
| Zomato Ltd | Equity | ₹51.63 Cr | 2.36% |
| Solar Industries India Ltd | Equity | ₹51.11 Cr | 2.34% |
| Tata Consultancy Services Ltd | Equity | ₹48.92 Cr | 2.24% |
| Radico Khaitan Ltd | Equity | ₹47.31 Cr | 2.17% |
| Mahanagar Gas Ltd | Equity | ₹43.75 Cr | 2.00% |
| Oil India Ltd | Equity | ₹42.51 Cr | 1.95% |
| Jupiter Wagons Ltd | Equity | ₹41.79 Cr | 1.91% |
| Kirloskar Pneumatic Co Ltd | Equity | ₹41.37 Cr | 1.89% |
| Adani Ports & Special Economic Zone Ltd | Equity | ₹40.97 Cr | 1.88% |
| Metro Brands Ltd | Equity | ₹38.15 Cr | 1.75% |
| Karur Vysya Bank Ltd | Equity | ₹37.15 Cr | 1.70% |
| Tata Consumer Products Ltd | Equity | ₹37.1 Cr | 1.70% |
| Bharat Electronics Ltd | Equity | ₹34.32 Cr | 1.57% |
| Sunteck Realty Ltd | Equity | ₹34.23 Cr | 1.57% |
| BSE Ltd | Equity | ₹33.75 Cr | 1.55% |
| Nuvoco Vista Corp Ltd | Equity | ₹32.49 Cr | 1.49% |
| Polycab India Ltd | Equity | ₹31.2 Cr | 1.43% |
| ICICI Prudential Life Insurance Company Limited | Equity | ₹31.13 Cr | 1.43% |
| Nestle India Ltd | Equity | ₹30.8 Cr | 1.41% |
| Kaynes Technology India Ltd | Equity | ₹30.65 Cr | 1.40% |
| 7.38% Govt Stock 2027 | Bond - Gov't/Treasury | ₹30.42 Cr | 1.39% |
| 7.27% Govt Stock 2026 | Bond - Gov't/Treasury | ₹30.2 Cr | 1.38% |
| Avenue Supermarts Ltd | Equity | ₹29.62 Cr | 1.36% |
| Exide Industries Ltd | Equity | ₹29.49 Cr | 1.35% |
| PB Fintech Ltd | Equity | ₹28.99 Cr | 1.33% |
| DOMS Industries Ltd | Equity | ₹28.38 Cr | 1.30% |
| Dixon Technologies (India) Ltd | Equity | ₹27.6 Cr | 1.26% |
| Bosch Ltd | Equity | ₹27.11 Cr | 1.24% |
| Cera Sanitaryware Ltd | Equity | ₹25.23 Cr | 1.16% |
| HDFC Bank Limited | Bond - Corporate Bond | ₹25.21 Cr | 1.15% |
| HDFC Life Insurance Company Limited | Equity | ₹25.11 Cr | 1.15% |
| APL Apollo Tubes Ltd | Equity | ₹25.09 Cr | 1.15% |
| Muthoot Finance Ltd | Equity | ₹24.08 Cr | 1.10% |
| Hero MotoCorp Ltd | Equity | ₹22.94 Cr | 1.05% |
| Voltamp Transformers Ltd | Equity | ₹22.42 Cr | 1.03% |
| Mindspace Business Parks Reit | Bond - Corporate Bond | ₹21.88 Cr | 1.00% |
| Godrej Industries Ltd | Equity | ₹21.85 Cr | 1.00% |
| Tata Motors Ltd | Equity | ₹21.55 Cr | 0.99% |
| UTI Asset Management Co Ltd | Equity | ₹20.93 Cr | 0.96% |
| United Spirits Ltd | Equity | ₹20.92 Cr | 0.96% |
| Aurobindo Pharma Ltd | Equity | ₹20.88 Cr | 0.96% |
| Pricol Ltd | Equity | ₹20.1 Cr | 0.92% |
| Maruti Suzuki India Ltd | Equity | ₹20.07 Cr | 0.92% |
| 6.79% Govt Stock 2029 | Bond - Gov't/Treasury | ₹19.89 Cr | 0.91% |
| Campus Activewear Ltd | Equity | ₹19.78 Cr | 0.91% |
| Godrej Agrovet Ltd Ordinary Shares | Equity | ₹19.16 Cr | 0.88% |
| Bayer CropScience Ltd | Equity | ₹18.78 Cr | 0.86% |
| Mphasis Ltd | Equity | ₹18.74 Cr | 0.86% |
| 3M India Ltd | Equity | ₹18.66 Cr | 0.85% |
| Swan Energy Ltd | Equity | ₹18.3 Cr | 0.84% |
| Cyient Ltd | Equity | ₹18.27 Cr | 0.84% |
| Adani Energy Solutions Ltd | Equity | ₹18 Cr | 0.82% |
| Sonata Software Ltd | Equity | ₹17.94 Cr | 0.82% |
| ACC Ltd | Equity | ₹17.62 Cr | 0.81% |
| Pidilite Industries Ltd | Equity | ₹16.89 Cr | 0.77% |
| Praveg Ltd Ordinary Shares | Equity | ₹16.63 Cr | 0.76% |
| Jamnagar Utilities & Power Private Limited | Bond - Corporate Bond | ₹14.59 Cr | 0.67% |
| Equitas Small Finance Bank Ltd Ordinary Shares | Equity | ₹13.08 Cr | 0.60% |
| Amber Enterprises India Ltd Ordinary Shares | Equity | ₹13 Cr | 0.60% |
| 6.1% Govt Stock 2031 | Bond - Gov't/Treasury | ₹11.11 Cr | 0.51% |
| 7.36% Govt Stock 2052 | Bond - Gov't/Treasury | ₹10.4 Cr | 0.48% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹5 Cr | 0.23% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹4.99 Cr | 0.23% |
| Nhpc Limited | Bond - Corporate Bond | ₹4.97 Cr | 0.23% |
| Nhpc Limited | Bond - Corporate Bond | ₹4.95 Cr | 0.23% |
| 7.26% Govt Stock 2029 | Bond - Gov't/Treasury | ₹2.03 Cr | 0.09% |
| B) Repo | Cash - Repurchase Agreement | ₹2.02 Cr | 0.09% |
| Tata Consumer Prod | Equity | ₹0.45 Cr | 0.02% |
Allocation By Market Cap (Equity)
Large Cap Stocks
36.17%
Mid Cap Stocks
18.86%
Small Cap Stocks
28.29%
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹378.16 Cr | 17.32% |
| Industrials | ₹355.13 Cr | 16.26% |
| Consumer Cyclical | ₹282.12 Cr | 12.92% |
| Consumer Defensive | ₹262.96 Cr | 12.04% |
| Basic Materials | ₹161.98 Cr | 7.42% |
| Energy | ₹131.94 Cr | 6.04% |
| Technology | ₹113.21 Cr | 5.18% |
| Utilities | ₹61.75 Cr | 2.83% |
| Real Estate | ₹34.23 Cr | 1.57% |
| Healthcare | ₹20.88 Cr | 0.96% |
| Communication Services | ₹16.63 Cr | 0.76% |
Risk & Performance Ratios
Standard Deviation
This fund
10.06%
Cat. avg.
--
Lower the better
Sharpe Ratio
This fund
0.85
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 31st July 2024
ISIN | INF277K01FH8 | Expense Ratio | 2.00% | Exit Load | 1.00% | Fund Size | ₹2,206 Cr | Age | 01 Nov 2011 | Lumpsum Minimum | ₹5,000 | Fund Status | Open Ended Investment Company | Benchmark | CRISIL Hybrid 25+75-Aggressive 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 Very High Risk
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We're here to help.
What is the current NAV of Tata Retirement Savings Moderate Fund Regular Growth?
The NAV of Tata Retirement Savings Moderate Fund Regular Growth, as of 11-Sep-2024, is ₹64.39.
What are the returns of Tata Retirement Savings Moderate Fund Regular Growth?
The fund has generated 27.76% over the last 1 year and 13.85% 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 Moderate Fund Regular Growth?
The fund's allocation of assets is distributed as 83.33% in equities, 8.50% in bonds, and 8.17% in cash and cash equivalents.
Who manages the Tata Retirement Savings Moderate Fund Regular Growth?
The fund managers responsible for Tata Retirement Savings Moderate 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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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.
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.