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Tata Retirement Savings Moderate Fund Direct Growth
HybridRetirementVery High Risk
Direct
NAV (20-Dec-24)
₹75.88-1.56%1D
Returns (Since Inception)
16.71%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹2,177 Cr
Expense Ratio
0.60%
ISIN
INF277K01QN3
Minimum SIP
₹1,000
Exit Load
1.00%
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, 11 months and 21 days, having been launched on 01-Jan-13.
As of 20-Dec-24, it has a Net Asset Value (NAV) of ₹75.88, Assets Under Management (AUM) of 2176.80 Crores, and an expense ratio of 0.6%.
As of 20-Dec-24, it has a Net Asset Value (NAV) of ₹75.88, Assets Under Management (AUM) of 2176.80 Crores, and an expense ratio of 0.6%.
- Tata Retirement Savings Moderate Fund Direct Growth has given a CAGR return of 16.71% since inception.
- The fund's asset allocation comprises around 79.83% in equities, 7.33% in debts, and 12.84% 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
+24.39%
— (Cat Avg.)
3 Years
+17.00%
— (Cat Avg.)
5 Years
+16.85%
— (Cat Avg.)
10 Years
+14.81%
— (Cat Avg.)
Since Inception
+16.71%
— (Cat Avg.)
Portfolio Summaryas of 30th November 2024
| Equity | ₹1,737.68 Cr | 79.83% |
| Debt | ₹159.51 Cr | 7.33% |
| Others | ₹279.61 Cr | 12.84% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| Cash / Net Current Asset | Cash | ₹254.75 Cr | 11.70% |
| HDFC Bank Ltd | Equity | ₹123.48 Cr | 5.67% |
| Tata Consultancy Services Ltd | Equity | ₹84.56 Cr | 3.88% |
| ITC Ltd | Equity | ₹75.14 Cr | 3.45% |
| Zomato Ltd | Equity | ₹66.22 Cr | 3.04% |
| Radico Khaitan Ltd | Equity | ₹65.5 Cr | 3.01% |
| Solar Industries India Ltd | Equity | ₹57.61 Cr | 2.65% |
| Kirloskar Pneumatic Co Ltd | Equity | ₹53.95 Cr | 2.48% |
| BSE Ltd | Equity | ₹53.71 Cr | 2.47% |
| Reliance Industries Ltd | Equity | ₹48.33 Cr | 2.22% |
| Sonata Software Ltd | Equity | ₹43.58 Cr | 2.00% |
| Karur Vysya Bank Ltd | Equity | ₹42.58 Cr | 1.96% |
| DOMS Industries Ltd | Equity | ₹42.54 Cr | 1.95% |
| ICICI Bank Ltd | Equity | ₹39.39 Cr | 1.81% |
| Kaynes Technology India Ltd | Equity | ₹38.32 Cr | 1.76% |
| Nuvoco Vista Corp Ltd | Equity | ₹37.88 Cr | 1.74% |
| PB Fintech Ltd | Equity | ₹37.78 Cr | 1.74% |
| Mahanagar Gas Ltd | Equity | ₹37.54 Cr | 1.72% |
| Jupiter Wagons Ltd | Equity | ₹36.22 Cr | 1.66% |
| Dixon Technologies (India) Ltd | Equity | ₹36.04 Cr | 1.66% |
| ICICI Prudential Life Insurance Co Ltd | Equity | ₹35.05 Cr | 1.61% |
| Metro Brands Ltd | Equity | ₹34.87 Cr | 1.60% |
| Oil India Ltd | Equity | ₹33.38 Cr | 1.53% |
| Polycab India Ltd | Equity | ₹33.21 Cr | 1.53% |
| Tata Consumer Products Ltd | Equity | ₹31.92 Cr | 1.47% |
| Adani Ports & Special Economic Zone Ltd | Equity | ₹31.06 Cr | 1.43% |
| 7.38% Govt Stock 2027 | Bond - Gov't/Treasury | ₹30.48 Cr | 1.40% |
| 7.27% Govt Stock 2026 | Bond - Gov't/Treasury | ₹30.21 Cr | 1.39% |
| HDFC Life Insurance Co Ltd | Equity | ₹29.01 Cr | 1.33% |
| Sunteck Realty Ltd | Equity | ₹28.82 Cr | 1.32% |
| Nestle India Ltd | Equity | ₹28.02 Cr | 1.29% |
| UTI Asset Management Co Ltd | Equity | ₹26.21 Cr | 1.20% |
| Godrej Industries Ltd | Equity | ₹25.93 Cr | 1.19% |
| HDFC Bank Limited | Bond - Corporate Bond | ₹25.51 Cr | 1.17% |
| Muthoot Finance Ltd | Equity | ₹25.11 Cr | 1.15% |
| Mastek Ltd | Equity | ₹22.84 Cr | 1.05% |
| Mindspace Business Parks Reit | Bond - Corporate Bond | ₹21.98 Cr | 1.01% |
| Exide Industries Ltd | Equity | ₹20.98 Cr | 0.96% |
| 360 One Wam Ltd Ordinary Shares | Equity | ₹20.18 Cr | 0.93% |
| 6.79% Govt Stock 2029 | Bond - Gov't/Treasury | ₹20.02 Cr | 0.92% |
| Hero MotoCorp Ltd | Equity | ₹19.9 Cr | 0.91% |
| Bosch Ltd | Equity | ₹19.58 Cr | 0.90% |
| Pricol Ltd | Equity | ₹19.45 Cr | 0.89% |
| HCL Technologies Ltd | Equity | ₹18.96 Cr | 0.87% |
| United Spirits Ltd | Equity | ₹18.96 Cr | 0.87% |
| Godrej Agrovet Ltd Ordinary Shares | Equity | ₹18.91 Cr | 0.87% |
| AAVAS Financiers Ltd | Equity | ₹18.24 Cr | 0.84% |
| Campus Activewear Ltd | Equity | ₹17.94 Cr | 0.82% |
| Maruti Suzuki India Ltd | Equity | ₹16.94 Cr | 0.78% |
| Voltamp Transformers Ltd | Equity | ₹16.87 Cr | 0.77% |
| ICICI Lombard General Insurance Co Ltd | Equity | ₹16.76 Cr | 0.77% |
| Pidilite Industries Ltd | Equity | ₹16.25 Cr | 0.75% |
| Bayer CropScience Ltd | Equity | ₹15.37 Cr | 0.71% |
| Amber Enterprises India Ltd Ordinary Shares | Equity | ₹15.16 Cr | 0.70% |
| ACC Ltd | Equity | ₹15.11 Cr | 0.69% |
| Praveg Ltd Ordinary Shares | Equity | ₹15.01 Cr | 0.69% |
| Jamnagar Utilities & Power Private Limited | Bond - Corporate Bond | ₹14.68 Cr | 0.67% |
| Zensar Technologies Ltd | Equity | ₹11.29 Cr | 0.52% |
| 6.1% Govt Stock 2031 | Bond - Gov't/Treasury | ₹11.19 Cr | 0.51% |
| 7.36% Govt Stock 2052 | Bond - Gov't/Treasury | ₹10.41 Cr | 0.48% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹5.01 Cr | 0.23% |
| Nhpc Limited | Bond - Corporate Bond | ₹4.98 Cr | 0.23% |
| Nhpc Limited | Bond - Corporate Bond | ₹4.97 Cr | 0.23% |
| B) Repo | Cash - Repurchase Agreement | ₹2.88 Cr | 0.13% |
| 7.26% Govt Stock 2029 | Bond - Gov't/Treasury | ₹2.04 Cr | 0.09% |
Allocation By Market Cap (Equity)
Large Cap Stocks
30.68%
Mid Cap Stocks
19.55%
Small Cap Stocks
29.60%
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹467.51 Cr | 21.48% |
| Industrials | ₹278.1 Cr | 12.78% |
| Consumer Defensive | ₹238.46 Cr | 10.95% |
| Consumer Cyclical | ₹231.05 Cr | 10.61% |
| Technology | ₹217.28 Cr | 9.98% |
| Basic Materials | ₹142.22 Cr | 6.53% |
| Energy | ₹81.71 Cr | 3.75% |
| Utilities | ₹37.54 Cr | 1.72% |
| Real Estate | ₹28.82 Cr | 1.32% |
| Communication Services | ₹15.01 Cr | 0.69% |
Risk & Performance Ratios
Standard Deviation
This fund
10.24%
Cat. avg.
--
Lower the better
Sharpe Ratio
This fund
0.92
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 November 2024
ISIN INF277K01QN3 | Expense Ratio 0.60% | Exit Load 1.00% | Fund Size ₹2,177 Cr | Age 11 years 11 months | 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:
Dividend Taxation:
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% | ₹2176.80 Cr | 22.7% |
| Tata Retirement Savings Conservative Fund Regular Growth Moderately High risk | 2.2% | 1.0% | ₹176.48 Cr | 11.1% |
| Tata Retirement Savings Progressive Fund Regular Growth Very High Risk | 2.0% | 1.0% | ₹2108.21 Cr | 25.8% |
| Axis Retirement Savings Fund - Aggressive Plan Regular Growth Very High Risk | 2.2% | 0.0% | ₹921.99 Cr | 22.2% |
| Axis Retirement Savings Fund - Conservative Plan Direct Growth High Risk | 0.7% | 0.0% | ₹74.56 Cr | 14.7% |
| Axis Retirement Savings Fund - Aggressive Plan Direct Growth Very High Risk | 0.9% | 0.0% | ₹921.99 Cr | 23.8% |
| Axis Retirement Savings Fund - Dynamic Plan Regular Growth Very High Risk | 2.4% | 0.0% | ₹387.54 Cr | 27.3% |
| Axis Retirement Savings Fund - Dynamic Plan Direct Growth Very High Risk | 1.1% | 0.0% | ₹387.54 Cr | 29.0% |
| Axis Retirement Savings Fund - Conservative Plan Regular Growth High Risk | 2.1% | 0.0% | ₹74.56 Cr | 13.2% |
| Franklin India Pension Plan Regular Growth Moderately High risk | 2.3% | 3.0% | ₹524.09 Cr | 13.7% |
About the AMC
Tata Mutual Fund
Total AUM
₹1,88,167 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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What is the current NAV of Tata Retirement Savings Moderate Fund Direct Growth?
The NAV of Tata Retirement Savings Moderate Fund Direct Growth, as of 20-Dec-2024, is ₹75.88.
What are the returns of Tata Retirement Savings Moderate Fund Direct Growth?
The fund has generated 24.39% over the last 1 year and 17.00% 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 Direct Growth?
The fund's allocation of assets is distributed as 79.83% in equities, 7.33% in bonds, and 12.84% in cash and cash equivalents.
Who manages the Tata Retirement Savings Moderate Fund Direct Growth?
The fund managers responsible for Tata Retirement Savings Moderate 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, a member of BSE with SEBI Stock Broker Registration no. INZ000303136, 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.