Tata Retirement Savings Moderate Fund Direct Growth
HybridRetirementVery High Risk
Direct
NAV (05-Jul-24)
₹72.95-0.05%1D
Returns (Since Inception)
17.03%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹1,991 Cr
Expense Ratio
0.62%
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, 6 months and 5 days, having been launched on 01-Jan-13.
As of 05-Jul-24, it has a Net Asset Value (NAV) of ₹72.95, Assets Under Management (AUM) of 1991.29 Crores, and an expense ratio of 0.62%.
As of 05-Jul-24, it has a Net Asset Value (NAV) of ₹72.95, Assets Under Management (AUM) of 1991.29 Crores, and an expense ratio of 0.62%.
- Tata Retirement Savings Moderate Fund Direct Growth has given a CAGR return of 17.03% since inception.
- The fund's asset allocation comprises around 84.55% in equities, 9.28% in debts, and 6.17% 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
+35.71%
— (Cat Avg.)
3 Years
+17.27%
— (Cat Avg.)
5 Years
+17.27%
— (Cat Avg.)
10 Years
+16.09%
— (Cat Avg.)
Since Inception
+17.03%
— (Cat Avg.)
Portfolio Summaryas of 31st May 2024
| Equity | ₹1,683.59 Cr | 84.55% |
| Debt | ₹184.78 Cr | 9.28% |
| Others | ₹122.92 Cr | 6.17% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| HDFC Bank Ltd | Equity | ₹103.61 Cr | 5.20% |
| Reliance Industries Ltd | Equity | ₹84.97 Cr | 4.27% |
| Cash / Net Current Asset | Cash | ₹71.62 Cr | 3.60% |
| ITC Ltd | Equity | ₹67.21 Cr | 3.38% |
| Solar Industries India Ltd | Equity | ₹52.57 Cr | 2.64% |
| Jupiter Wagons Ltd | Equity | ₹51.85 Cr | 2.60% |
| ICICI Bank Ltd | Equity | ₹48.77 Cr | 2.45% |
| APL Apollo Tubes Ltd | Equity | ₹45.73 Cr | 2.30% |
| Radico Khaitan Ltd | Equity | ₹43.27 Cr | 2.17% |
| Tata Consultancy Services Ltd | Equity | ₹40.95 Cr | 2.06% |
| Zomato Ltd | Equity | ₹39.61 Cr | 1.99% |
| Adani Ports & Special Economic Zone Ltd | Equity | ₹37.52 Cr | 1.88% |
| Kirloskar Pneumatic Co Ltd | Equity | ₹37.37 Cr | 1.88% |
| Polycab India Ltd | Equity | ₹36.07 Cr | 1.81% |
| BSE Ltd | Equity | ₹35.56 Cr | 1.79% |
| Karur Vysya Bank Ltd | Equity | ₹34.29 Cr | 1.72% |
| Tata Consumer Products Ltd | Equity | ₹34.14 Cr | 1.71% |
| Oil India Ltd | Equity | ₹33.36 Cr | 1.68% |
| ACC Ltd | Equity | ₹32.59 Cr | 1.64% |
| Metro Brands Ltd | Equity | ₹32.59 Cr | 1.64% |
| Bharat Electronics Ltd | Equity | ₹32.14 Cr | 1.61% |
| 3M India Ltd | Equity | ₹31.05 Cr | 1.56% |
| Exide Industries Ltd | Equity | ₹30.93 Cr | 1.55% |
| 7.38% Govt Stock 2027 | Bond - Gov't/Treasury | ₹30.26 Cr | 1.52% |
| 7.27% Govt Stock 2026 | Bond - Gov't/Treasury | ₹30.13 Cr | 1.51% |
| Bosch Ltd | Equity | ₹29.94 Cr | 1.50% |
| Nestle India Ltd | Equity | ₹29.53 Cr | 1.48% |
| Indian Oil Corp Ltd | Equity | ₹29.28 Cr | 1.47% |
| Sunteck Realty Ltd | Equity | ₹26.85 Cr | 1.35% |
| Hero MotoCorp Ltd | Equity | ₹26.52 Cr | 1.33% |
| PB Fintech Ltd | Equity | ₹25.82 Cr | 1.30% |
| Avenue Supermarts Ltd | Equity | ₹25.81 Cr | 1.30% |
| HDFC Bank Limited | Bond - Corporate Bond | ₹25.09 Cr | 1.26% |
| Kaynes Technology India Ltd | Equity | ₹24.4 Cr | 1.23% |
| DOMS Industries Ltd | Equity | ₹23.11 Cr | 1.16% |
| Muthoot Finance Ltd | Equity | ₹22.05 Cr | 1.11% |
| Mindspace Business Parks Reit | Bond - Corporate Bond | ₹21.83 Cr | 1.10% |
| Dixon Technologies (India) Ltd | Equity | ₹21.42 Cr | 1.08% |
| Bandhan Bank Ltd | Equity | ₹21.35 Cr | 1.07% |
| Cera Sanitaryware Ltd | Equity | ₹19.79 Cr | 0.99% |
| 6.79% Govt Stock 2029 | Bond - Gov't/Treasury | ₹19.76 Cr | 0.99% |
| Jindal Steel & Power Ltd | Equity | ₹18.97 Cr | 0.95% |
| Godrej Industries Ltd | Equity | ₹18.96 Cr | 0.95% |
| Voltamp Transformers Ltd | Equity | ₹18.69 Cr | 0.94% |
| UTI Asset Management Co Ltd | Equity | ₹18.33 Cr | 0.92% |
| Petronet LNG Ltd | Equity | ₹18.29 Cr | 0.92% |
| Maruti Suzuki India Ltd | Equity | ₹17.86 Cr | 0.90% |
| Aurobindo Pharma Ltd | Equity | ₹17.79 Cr | 0.89% |
| Titan Co Ltd | Equity | ₹17.67 Cr | 0.89% |
| Pricol Ltd | Equity | ₹17.56 Cr | 0.88% |
| Cyient Ltd | Equity | ₹17.35 Cr | 0.87% |
| United Spirits Ltd | Equity | ₹17.16 Cr | 0.86% |
| NTPC Ltd | Equity | ₹17.05 Cr | 0.86% |
| Praveg Ltd Ordinary Shares | Equity | ₹16.85 Cr | 0.85% |
| Adani Energy Solutions Ltd | Equity | ₹16.64 Cr | 0.84% |
| Campus Activewear Ltd | Equity | ₹16.36 Cr | 0.82% |
| Pidilite Industries Ltd | Equity | ₹15.74 Cr | 0.79% |
| Mahanagar Gas Ltd | Equity | ₹15.58 Cr | 0.78% |
| Bajaj Housing Finance Limited | Bond - Corporate Bond | ₹14.99 Cr | 0.75% |
| Jio Financial Services Ltd | Equity | ₹14.63 Cr | 0.73% |
| Jamnagar Utilities & Power Private Limited | Bond - Corporate Bond | ₹14.53 Cr | 0.73% |
| HDFC Life Insurance Company Limited | Equity | ₹14.35 Cr | 0.72% |
| Swan Energy Ltd | Equity | ₹13.88 Cr | 0.70% |
| Malwa Solar Power Generation Private Limited | Bond - Corporate Bond | ₹13.69 Cr | 0.69% |
| Sonata Software Ltd | Equity | ₹12.52 Cr | 0.63% |
| 6.1% Govt Stock 2031 | Bond - Gov't/Treasury | ₹11.01 Cr | 0.55% |
| Amber Enterprises India Ltd Ordinary Shares | Equity | ₹10.8 Cr | 0.54% |
| Yarrow Infrastructure Private Limited | Bond - Corporate Bond | ₹10.37 Cr | 0.52% |
| 7.36% Govt Stock 2052 | Bond - Gov't/Treasury | ₹10.28 Cr | 0.52% |
| Sepset Constructions Limited | Bond - Corporate Bond | ₹9.28 Cr | 0.47% |
| Matrimony.com Ltd | Equity | ₹8.56 Cr | 0.43% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹4.99 Cr | 0.25% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹4.98 Cr | 0.25% |
| Nhpc Limited | Bond - Corporate Bond | ₹4.96 Cr | 0.25% |
| Nhpc Limited | Bond - Corporate Bond | ₹4.93 Cr | 0.25% |
| B) Repo | Cash - Repurchase Agreement | ₹2.18 Cr | 0.11% |
| 7.26% Govt Stock 2029 | Bond - Gov't/Treasury | ₹2.02 Cr | 0.10% |
| Priapus Infrastructure Limited | Bond - Corporate Bond | ₹0.78 Cr | 0.04% |
Allocation By Market Cap (Equity)
Large Cap Stocks
38.15%
Mid Cap Stocks
22.20%
Small Cap Stocks
24.20%
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Industrials | ₹348.28 Cr | 17.49% |
| Financial Services | ₹338.77 Cr | 17.01% |
| Consumer Cyclical | ₹253.71 Cr | 12.74% |
| Consumer Defensive | ₹217.12 Cr | 10.90% |
| Energy | ₹165.89 Cr | 8.33% |
| Basic Materials | ₹165.6 Cr | 8.32% |
| Technology | ₹74.9 Cr | 3.76% |
| Utilities | ₹49.27 Cr | 2.47% |
| Real Estate | ₹26.85 Cr | 1.35% |
| Communication Services | ₹25.41 Cr | 1.28% |
| Healthcare | ₹17.79 Cr | 0.89% |
Risk & Performance Ratios
Standard Deviation
This fund
10.20%
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 31st May 2024
ISIN | INF277K01QN3 | Expense Ratio | 0.62% | Exit Load | 1.00% | Fund Size | ₹1,991 Cr | Age | 01 Jan 2013 | 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
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 name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| Tata Retirement Savings Moderate Fund Regular Growth Very High Risk | 2.0% | 1.0% | ₹1991.29 Cr | 33.8% |
| Tata Retirement Savings Conservative Fund Regular Growth Moderately High risk | 2.2% | 1.0% | ₹170.87 Cr | 15.0% |
| Tata Retirement Savings Progressive Fund Regular Growth Very High Risk | 2.0% | 1.0% | ₹1866.16 Cr | 40.5% |
| Axis Retirement Savings Fund - Aggressive Plan Regular Growth Very High Risk | 2.2% | 0.0% | ₹844.96 Cr | 32.3% |
| Axis Retirement Savings Fund - Conservative Plan Direct Growth High Risk | 0.7% | 0.0% | ₹74.96 Cr | 18.6% |
| Axis Retirement Savings Fund - Aggressive Plan Direct Growth Very High Risk | 0.9% | 0.0% | ₹844.96 Cr | 34.1% |
| Axis Retirement Savings Fund - Dynamic Plan Regular Growth Very High Risk | 2.4% | 0.0% | ₹346.79 Cr | 34.3% |
| Axis Retirement Savings Fund - Dynamic Plan Direct Growth Very High Risk | 1.1% | 0.0% | ₹346.79 Cr | 36.3% |
| Axis Retirement Savings Fund - Conservative Plan Regular Growth High Risk | 2.1% | 0.0% | ₹74.96 Cr | 17.0% |
| Franklin India Pension Plan Regular Growth Moderately High risk | 2.3% | 3.0% | ₹512.71 Cr | 19.3% |
About the AMC
Total AUM
₹1,55,659 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 05-Jul-2024, is ₹72.95.
What are the returns of Tata Retirement Savings Moderate Fund Direct Growth?
The fund has generated 35.71% over the last 1 year and 17.27% 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 84.55% in equities, 9.28% in bonds, and 6.17% 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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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.