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2 star

Tata Retirement Savings Fund - Progressive Plan - Regular Plan download report


Equity: Flexi Cap

1 Lakh

Investment Grown to
₹ 1.54 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.49 Lakh

Suitability:

When you invest for five years or more, you can expect gains that comfortably beat the inflation rate as well as returns from fixed income options. But be prepared for ups and downs in your investment value along the way.

This is a flexi-cap fund where the fund management team has complete freedom to invest in companies of different sizes, depending on where it expects maximum gains. This versatility makes flexi-cap funds most suitable for equity fund investors, as the job of stock selection is left completely to the fund manager, which is the very idea of investing in a mutual fund.

Like for all equity funds, you must invest only through the SIP route. Click here to read a primer on SIP investing.

Warning: Warning: Do not invest in this, or any other flexi-cap fund, if you need to redeem your investment in less than five years.

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 1 year from the date of investment, gains upto Rs 1 lakh in a financial year are exempt from tax. Gains over Rs 1 lakh are taxed at the rate of 10%.
  • If the mutual fund units are sold within 1 year from the date of investment, entire amount of gain is taxed at the rate of 15%.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Tata Retirement Savings Progressive Reg-G -2.21 0.13 2.19 9.71 10.92 4.46 1.97 15.42 10.21 11.79 14.55
S&P BSE 500 TRI 4.29 0.20 2.11 10.54 11.58 6.02 11.04 21.41 13.97 13.26 15.26
Equity: Flexi Cap 0.73 0.12 1.71 9.27 11.09 3.83 7.41 18.78 12.02 11.43 14.91
Rank within category 52 32 6 22 37 28 54 41 26 19 17
Number of funds in category 65 71 71 69 69 68 62 49 35 34 27

As on 18-Aug-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Tata Retirement Savings Fund - Progressive Plan - Regular Plan  | Invest Online
2 star
Nov-11 1.97 15.42 10.21 2.23 1,229
SBI Focused Equity Fund  | Invest Online
4 star
Oct-04 6.44 20.03 15.25 1.71 26,218
UTI Flexi Cap Fund - Regular Plan  | Invest Online
4 star
May-92 -0.64 22.67 15.38 1.66 25,448
Parag Parikh Flexi Cap Fund - Regular Plan  | Invest Online
5 star
May-13 7.05 26.47 18.63 1.93 24,595
Mirae Asset Focused Fund - Regular Plan  | Invest Online
5 star
May-19 4.30 22.58 -- 1.80 8,696

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 10.86 24-Mar-2020 - 31-Mar-2020 -17.39 11-Mar-2020 - 18-Mar-2020
Month 21.45 23-Mar-2020 - 22-Apr-2020 -34.06 20-Feb-2020 - 23-Mar-2020
Quarter 32.50 23-Mar-2020 - 22-Jun-2020 -32.72 23-Dec-2019 - 23-Mar-2020
Year 76.26 23-Mar-2020 - 23-Mar-2021 -26.88 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Tata Retirement Savings Progressive Reg-G 14.54 19.21 0.58 0.63 0.83 -2.94
S&P BSE 500 TRI 20.28 22.43 0.75 0.86 -- --
Equity: Flexi Cap 18.24 21.58 0.68 0.76 0.93 -0.83
Rank within category 43 4 40 38 9 38
Number of funds in category 50 50 50 50 50 50

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 31-Jul-2022

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 47
Top 10 Stocks (%) 45.19
Top 5 Stocks (%) 30.04
Top 3 Sectors (%) 50.64
Portfolio P/B Ratio 4.54
Portfolio P/E Ratio 27.41

Portfolio Aggregates

Fund Category
Average Mkt Cap (Rs Cr) 1,37,359 1,51,649
Giant (%) 50.11 52.84
Large (%) 21.88 19.22
Mid (%) 20.74 21.85
Small (%) 7.27 6.47
Tiny (%) -- 0.08

Value Research Fund Style

Sector Allocation vis-à-vis Category

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Top Holdings

Company Sector P/E 3Y High 3Y Low % Assets
equal ICICI Bank Financial 22.21 9.12 4.94 9.12
up HDFC Bank Financial 21.15 9.13 4.02 6.14
down Reliance Industries Energy 27.12 9.80 3.59 6.11
equal ITC Consumer Staples 23.89 6.25 2.01 4.51
down Tata Consultancy Services Technology 31.89 5.56 0.00 4.15
down Infosys Technology 29.90 6.49 0.00 4.00
up SBI Cards & Payments Services Financial 46.60 3.57 0.00 3.57
equal Titan Company Consumer Discretionary 74.94 2.76 0.96 2.64
up Jubilant FoodWorks Services 88.23 2.52 1.72 2.52
equal HDFC Financial 19.82 4.35 0.00 2.42
equal HCL Technologies Technology 19.46 3.50 0.00 2.30
up Asian Paints Materials 97.46 2.22 0.00 2.22
equal Radico Khaitan Consumer Staples 48.78 2.87 0.98 2.21
equal Polycab India Capital Goods 34.82 2.40 0.00 2.16
up Axis Bank Financial 14.56 3.45 0.00 2.08
equal Tata Consumer Products Consumer Staples 73.90 2.48 0.00 2.01
up Kotak Mahindra Bank Financial 29.00 4.87 0.00 2.00
up Bharat Electronics Capital Goods 25.69 1.97 0.00 1.97
equal Cera Sanitaryware Materials 35.53 1.95 0.00 1.95
new Metro Brands Consumer Discretionary 105.13 1.94 0.00 1.94
equal Ambuja Cements Materials 34.36 2.04 0.00 1.94
up Havells India Capital Goods 70.66 1.53 0.00 1.53
equal Matrimony.Com Services 34.32 1.66 0.00 1.46
up United Spirits Consumer Staples 56.56 1.44 0.00 1.44
equal Kajaria Ceramics Materials 44.16 1.66 0.00 1.44

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-Jul-2022

Fund Manager

— Sonam Udasi since 01-Apr-2016

Education: Mr. Udasi is a B.Com and also holds PGDM(Finance).

Experience: Prior to joining Tata AMC he was associated with ASK Raymond James, JM Financial AMC, Prime Securities, BRICS Securities and IDBI Capital Market Services Ltd.

Interviews:

Funds Managed:

— Murthy Nagarajan since 01-Apr-2017

Education: Mr. Nagarajan is a M.Com, ICWA and PGPMS.

Experience: Prior to joining Tata AMC he has worked with Quantum AMC as head fixed income, Mirae Asset Global Investment India Ltd..

Funds Managed:


0.13%

Change from previous, NAV as on 18-Aug-2022

Growth: ₹ 42.9848


Investment Strategy

The fund seeks to provide a financial planning tool for long term financial security for investors based on their retirement planning goals.

Investment Details

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 500
Min. No of Cheques 12
Min. Withdrawal (₹) 500
Min. Balance (₹) 500
Lock-in Period 5 Years
Exit Load 1% for redemption within 1829 days

Basic Details

Fund House: Tata Mutual Fund
Launch Date: 01-Nov-2011
Return Since Launch: 14.45%
Benchmark: NIFTY 500 TRI
Riskometer: Very High
Type: Open-ended
Assets: ₹ 1,229 Cr (As on 31-Jul-2022)
Expense Ratio: 2.23% (As on 31-Jul-2022)
Risk Grade: Below Average
Return Grade: Below Average
Turnover: 49.00%

Contact Information

AMC: Tata Asset Management Private Ltd

Address: 9th Floor, Mafatlal Centre, Nariman Point, Mumbai - 400021

Phone: 1800-209-0101

Email: [email protected]

Website: http://www.tatamutualfund.com

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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