Tata Retirement Savings Moderate Fund Direct Growth

Fund Overview

Fund Size

₹1,908 Cr

Expense Ratio

0.65%

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 12 years, 2 months and 27 days, having been launched on 01-Jan-13.
As of 27-Mar-25, it has a Net Asset Value (NAV) of ₹70.09, Assets Under Management (AUM) of 1908.44 Crores, and an expense ratio of 0.65%.

Tata Retirement Savings Moderate Fund Direct Growth has given a CAGR return of 15.56% since inception.
The fund's asset allocation comprises around 74.04% in equities, 14.94% in debts, and 11.03% 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

+10.70%

— (Cat Avg.)

3 Years

+14.27%

— (Cat Avg.)

5 Years

+20.41%

— (Cat Avg.)

10 Years

+12.91%

— (Cat Avg.)

Since Inception

+15.56%

— (Cat Avg.)

Portfolio Summaryas of 28th February 2025

Equity	₹1,412.92 Cr	74.04%
Debt	₹285.11 Cr	14.94%
Others	₹210.41 Cr	11.03%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
Cash / Net Current Asset	Cash - Collateral	₹165.96 Cr	8.70%
6.79% Government Of India (07/10/2034)	Bond - Gov't/Treasury	₹125.57 Cr	6.58%
HDFC Bank Ltd	Equity	₹119.1 Cr	6.24%
Tata Consultancy Services Ltd	Equity	₹73.67 Cr	3.86%
ITC Ltd	Equity	₹63.71 Cr	3.34%
Radico Khaitan Ltd	Equity	₹55.25 Cr	2.89%
Zomato Ltd	Equity	₹53.57 Cr	2.81%
BSE Ltd	Equity	₹50.04 Cr	2.62%
Reliance Industries Ltd	Equity	₹49.68 Cr	2.60%
Solar Industries India Ltd	Equity	₹47.78 Cr	2.50%
B) Repo	Cash - Repurchase Agreement	₹44.45 Cr	2.33%
Mahanagar Gas Ltd	Equity	₹38.98 Cr	2.04%
DOMS Industries Ltd	Equity	₹34.17 Cr	1.79%
ICICI Bank Ltd	Equity	₹32.87 Cr	1.72%
Karur Vysya Bank Ltd	Equity	₹32.22 Cr	1.69%
Metro Brands Ltd	Equity	₹31.53 Cr	1.65%
7.38% Govt Stock 2027	Bond - Gov't/Treasury	₹30.51 Cr	1.60%
Kirloskar Pneumatic Co Ltd	Equity	₹30.48 Cr	1.60%
7.27% Govt Stock 2026	Bond - Gov't/Treasury	₹30.21 Cr	1.58%
PB Fintech Ltd	Equity	₹29.2 Cr	1.53%
Muthoot Finance Ltd	Equity	₹27.94 Cr	1.46%
Adani Ports & Special Economic Zone Ltd	Equity	₹27.91 Cr	1.46%
ICICI Prudential Life Insurance Co Ltd	Equity	₹27.64 Cr	1.45%
Nestle India Ltd	Equity	₹27.46 Cr	1.44%
HDFC Life Insurance Co Ltd	Equity	₹26.83 Cr	1.41%
Godrej Industries Ltd	Equity	₹26.45 Cr	1.39%
Dixon Technologies (India) Ltd	Equity	₹26.2 Cr	1.37%
Tata Consumer Products Ltd	Equity	₹26.02 Cr	1.36%
Nuvoco Vista Corp Ltd	Equity	₹26.02 Cr	1.36%
Sonata Software Ltd	Equity	₹25.97 Cr	1.36%
HDFC Bank Limited	Bond - Corporate Bond	₹25.46 Cr	1.33%
Bajaj Finserv Ltd	Equity	₹25.28 Cr	1.32%
Oil India Ltd	Equity	₹23.32 Cr	1.22%
HCL Technologies Ltd	Equity	₹23.25 Cr	1.22%
Polycab India Ltd	Equity	₹21.45 Cr	1.12%
Nippon Life India Asset Management Ltd Ordinary Shares	Equity	₹20.79 Cr	1.09%
6.79% Govt Stock 2029	Bond - Gov't/Treasury	₹20.1 Cr	1.05%
Jupiter Wagons Ltd	Equity	₹19.67 Cr	1.03%
Sunteck Realty Ltd	Equity	₹19.17 Cr	1.00%
UTI Asset Management Co Ltd	Equity	₹18.98 Cr	0.99%
Trent Ltd	Equity	₹18.34 Cr	0.96%
Maruti Suzuki India Ltd	Equity	₹18.28 Cr	0.96%
Amber Enterprises India Ltd Ordinary Shares	Equity	₹18.24 Cr	0.96%
360 One Wam Ltd Ordinary Shares	Equity	₹18.07 Cr	0.95%
Godrej Agrovet Ltd Ordinary Shares	Equity	₹18.02 Cr	0.94%
Zensar Technologies Ltd	Equity	₹17.28 Cr	0.91%
Campus Activewear Ltd	Equity	₹16.42 Cr	0.86%
Mastek Ltd	Equity	₹16.03 Cr	0.84%
Pricol Ltd	Equity	₹15.99 Cr	0.84%
United Spirits Ltd	Equity	₹15.93 Cr	0.83%
Inventurus Knowledge Solutions Ltd	Equity	₹15.61 Cr	0.82%
Hero MotoCorp Ltd	Equity	₹15.39 Cr	0.81%
ICICI Lombard General Insurance Co Ltd	Equity	₹15.22 Cr	0.80%
Jamnagar Utilities & Power Private Limited	Bond - Corporate Bond	₹14.7 Cr	0.77%
6.1% Govt Stock 2031	Bond - Gov't/Treasury	₹11.25 Cr	0.59%
7.36% Govt Stock 2052	Bond - Gov't/Treasury	₹10.31 Cr	0.54%
Voltamp Transformers Ltd	Equity	₹9.38 Cr	0.49%
Bharti Telecom Limited	Bond - Corporate Bond	₹5 Cr	0.26%
Nhpc Limited	Bond - Corporate Bond	₹4.98 Cr	0.26%
Nhpc Limited	Bond - Corporate Bond	₹4.97 Cr	0.26%
Praveg Ltd Ordinary Shares	Equity	₹2.14 Cr	0.11%
7.26% Govt Stock 2029	Bond - Gov't/Treasury	₹2.04 Cr	0.11%

Allocation By Market Cap (Equity)

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Sector	Amount	Holdings
Financial Services	₹444.18 Cr	23.27%
Consumer Defensive	₹206.39 Cr	10.81%
Consumer Cyclical	₹187.75 Cr	9.84%
Technology	₹182.39 Cr	9.56%
Industrials	₹169.52 Cr	8.88%
Basic Materials	₹73.8 Cr	3.87%
Energy	₹73 Cr	3.83%
Utilities	₹38.98 Cr	2.04%
Real Estate	₹19.17 Cr	1.00%
Healthcare	₹15.61 Cr	0.82%
Communication Services	₹2.14 Cr	0.11%

Risk & Performance Ratios

Fund Managers

Murthy Nagarajan

Since April 2017

Sonam Udasi

Since April 2016

Additional Scheme Detailsas of 28th February 2025

ISIN

INF277K01QN3

Expense Ratio

0.65%

Exit Load

1.00%

Fund Size

₹1,908 Cr

Age

12 years 2 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	2.1%	1.0%	₹1908.44 Cr	9.2%
Tata Retirement Savings Conservative Fund Regular Growth Moderately High risk	2.2%	1.0%	₹168.55 Cr	6.5%
Tata Retirement Savings Progressive Fund Regular Growth Very High Risk	2.1%	1.0%	₹1803.24 Cr	8.2%
Axis Retirement Savings Fund - Aggressive Plan Regular Growth Very High Risk	2.3%	0.0%	₹763.62 Cr	9.6%
Axis Retirement Savings Fund - Conservative Plan Direct Growth High Risk	1.3%	0.0%	₹61.02 Cr	7.5%
Axis Retirement Savings Fund - Aggressive Plan Direct Growth Very High Risk	1.1%	0.0%	₹763.62 Cr	11.0%
Axis Retirement Savings Fund - Dynamic Plan Regular Growth Very High Risk	2.2%	0.0%	₹308.66 Cr	10.0%
Axis Retirement Savings Fund - Dynamic Plan Direct Growth Very High Risk	0.9%	0.0%	₹308.66 Cr	11.5%
Axis Retirement Savings Fund - Conservative Plan Regular Growth High Risk	2.4%	0.0%	₹61.02 Cr	6.0%
Franklin India Pension Plan Regular Growth Moderately High risk	2.3%	3.0%	₹494.06 Cr	8.2%

About the AMC

Tata Mutual Fund

+91 22 6657 8282

https://www.tatamutualfund.com/

Total AUM

₹1,87,895 Cr

Address

Mafatlal Centre, 9th Floor, Mumbai, 400 021

Other Funds by Tata Mutual Fund

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Tata Silver ETF Fund of Fund Direct Growth Very High Risk	0.1%	0.0%	₹85.51 Cr	31.7%
Tata Gold ETF Fund of Fund Direct Growth High Risk	0.2%	0.0%	₹187.47 Cr	30.6%
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%	₹9754.44 Cr	6.8%
Tata Ultra Short Term Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹4995.61 Cr	7.8%
Tata Business Cycle Fund Direct Growth Very High Risk	0.6%	1.0%	₹2556.73 Cr	5.1%
Tata Nifty India Digital ETF Fund of Fund Direct Growth Very High Risk	0.1%	1.0%	₹97.66 Cr	8.0%
Tata Nifty SDL Plus AAA PSU Bond Dec 2027 60: 40 Index Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹857.82 Cr	8.3%
Tata Floating Rate Fund Direct Growth Moderate Risk	0.3%	0.0%	₹123.89 Cr	8.6%
Tata Small Cap Fund Direct Growth Very High Risk	0.4%	1.0%	₹8274.12 Cr	15.1%
Tata Large & Mid Cap Fund Direct Growth Very High Risk	0.7%	1.0%	₹7419.57 Cr	8.3%
Tata Mid Cap Growth Fund Direct Growth Very High Risk	0.7%	1.0%	₹3954.92 Cr	9.3%
Tata Hybrid Equity Fund Direct Growth Very High Risk	1.0%	1.0%	₹3733.13 Cr	7.5%
Tata Ethical Fund Direct Growth Very High Risk	0.7%	0.0%	₹2980.72 Cr	4.7%
Tata Gilt Securities Fund Direct Growth Moderate Risk	0.3%	0.0%	₹1072.11 Cr	9.4%
Tata Equity P/E Fund Direct Growth Very High Risk	0.8%	1.0%	₹7468.42 Cr	9.2%
Tata Infrastructure Fund Direct Growth Very High Risk	1.2%	0.0%	₹1863.78 Cr	-3.2%
Tata Treasury Advantage Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹2391.87 Cr	7.9%
Tata Money Market Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹26845.19 Cr	8.0%
Tata Equity Savings Fund Direct Growth Low to Moderate Risk	0.5%	0.0%	₹249.88 Cr	10.0%
Tata Young Citizens Fund Direct Growth Very High Risk	1.9%	1.0%	₹322.14 Cr	6.5%
Tata Liquid Fund Direct Growth Moderate Risk	0.2%	0.0%	₹30890.09 Cr	7.4%
Tata Large Cap Fund Direct Growth Very High Risk	1.1%	1.0%	₹2267.20 Cr	8.8%
Tata Retirement Savings Moderate Fund Direct Growth Very High Risk	0.7%	1.0%	₹1908.44 Cr	10.7%
Tata Retirement Savings Conservative Fund Direct Growth Moderately High risk	1.0%	1.0%	₹168.55 Cr	7.8%
Tata Short Term Bond Fund Direct Growth Moderate Risk	0.4%	0.0%	₹2642.43 Cr	8.7%
Tata Retirement Savings Progressive Fund Direct Growth Very High Risk	0.6%	1.0%	₹1803.24 Cr	9.8%
Tata Corporate Bond Fund Direct Growth Moderate Risk	0.3%	0.0%	₹3019.67 Cr	9.0%
Tata India Consumer Fund Direct Growth Very High Risk	0.8%	0.0%	₹2113.62 Cr	10.7%
Tata Digital India Fund Direct Growth Very High Risk	0.4%	0.0%	₹11068.17 Cr	9.3%
Tata Banking & Financial Services Fund Direct Growth Very High Risk	0.6%	0.0%	₹2284.89 Cr	19.0%
Tata Resources & Energy Fund Direct Growth Very High Risk	0.6%	0.0%	₹928.70 Cr	11.7%
Tata India Pharma & Healthcare Fund Direct Growth Very High Risk	0.7%	0.0%	₹1103.99 Cr	16.7%
TATA Nifty G-SEC Dec 2029 Index Fund Direct Growth Moderate Risk	0.1%	0.0%	₹179.81 Cr	9.2%
Tata Multi Asset Opportunities Fund Direct Growth Very High Risk	0.5%	1.0%	₹3337.44 Cr	9.0%
Tata Flexi Cap Fund Direct Growth Very High Risk	0.7%	1.0%	₹2733.96 Cr	12.1%
Tata Dividend Yield Fund Direct Growth Very High Risk	0.8%	1.0%	₹839.00 Cr	6.0%
Tata Housing Opportunities Fund Direct Growth Very High Risk	0.8%	1.0%	₹475.79 Cr	3.3%
Tata Arbitrage Fund Direct Growth Low Risk	0.3%	0.0%	₹12681.66 Cr	8.0%
Tata Banking & PSU Debt Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹207.53 Cr	7.0%
Tata Overnight Fund Direct Growth Low Risk	0.1%	0.0%	₹4087.14 Cr	6.7%
Tata Nifty Midcap 150 Momentum 50 Index Fund Direct Growth Very High Risk	0.4%	0.0%	₹654.04 Cr	4.1%
Tata CRISIL IBX Gilt Index-April 2026 Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹956.35 Cr	7.6%
Tata Multicap Fund Direct Growth Very High Risk	0.6%	1.0%	₹2661.41 Cr	3.1%
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%	₹101.56 Cr	7.9%

Risk Level

Your principal amount will be at Very High Risk

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Still got questions?
We're here to help.

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 27-Mar-2025, is ₹70.09.

What are the returns of Tata Retirement Savings Moderate Fund Direct Growth?

The fund has generated 10.70% over the last 1 year and 14.27% 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 74.04% in equities, 14.94% in bonds, and 11.03% 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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Fund Overview

Fund Size

₹1,908 Cr

Expense Ratio

0.65%

ISIN

INF277K01QN3

Minimum SIP

₹1,000

Exit Load

1.00%

Inception Date

01 Jan 2013

Risk Level

Your principal amount will be at Very High Risk