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4 star

Tata Retirement Savings Fund - Progressive Plan - Regular Plan


Equity: Multi Cap

1 Lakh

Investment Grown to
₹ 1.14 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.80 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 multi-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 multi-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: Do not invest in this, or any other multi-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
Fund -3.40 0.77 1.84 5.00 16.71 -5.55 8.91 4.46 8.78 15.72 --
S&P BSE 500 TRI -6.09 0.91 1.62 4.45 21.73 -7.34 4.43 2.88 6.38 13.12 --
Equity: Multi Cap -6.28 0.78 1.91 4.09 18.44 -8.73 3.99 1.78 5.18 13.99 --
Rank within category 14 38 28 19 41 11 12 9 5 8 --
Number of funds in category 60 63 63 62 61 60 56 42 40 34 30

As on 06-Aug-2020

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
4 star
Nov-11 8.91 4.46 8.78 2.50 728
Kotak Standard Multicap Fund Regular Plan  | Invest Online
4 star
Sep-09 1.95 2.51 7.03 1.69 27,976
Axis Focused 25 Fund  | Invest Online
5 star
Jun-12 5.16 5.82 8.85 2.01 10,399
UTI Equity Fund - Regular Plan  | Invest Online
4 star
May-92 12.99 6.97 7.02 1.74 9,750
SBI Focused Equity Fund  | Invest Online
5 star
Oct-04 4.09 6.52 8.44 1.88 8,962

Best & Worst Performance

Best (Period) Worst (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 67.39 (20-Feb-2014 - 20-Feb-2015) -26.88 (22-Mar-2019 - 23-Mar-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 5.76 20.47 0.03 0.03 0.91 0.97
S&P BSE 500 TRI 4.74 21.74 -0.02 -0.03 -- --
Equity: Multi Cap 3.42 21.28 -0.08 -0.09 0.95 -1.35
Rank within category 10 13 10 10 11 10
Number of funds in category 43 43 43 43 43 43

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

As on 31-Jul-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 41
Top 10 Stocks (%) 49.15
Top 5 Stocks (%) 34.04
Top 3 Sectors (%) 55.51
Portfolio P/B Ratio 3.93
Portfolio P/E Ratio 29.11

Portfolio Aggregates

Fund Category
Average Mkt Cap (Rs Cr) 1,10,365 99,654
Giant (%) 54.51 54.63
Large (%) 19.60 16.72
Mid (%) 20.17 21.15
Small (%) 5.72 8.41
Tiny (%) -- 0.35

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
up Reliance Industries Energy 34.17 8.03 0.00 8.03
down HDFC Bank Financial 20.14 9.58 2.52 7.91
up Bharti Airtel Communication -- 7.28 0.00 7.28
up ICICI Bank Financial 22.79 7.47 0.00 6.74
equal Hindustan Unilever FMCG 75.78 4.11 0.00 4.08
equal Kotak Mahindra Bank Financial 31.19 4.90 1.02 3.72
equal HDFC Financial 14.05 4.35 1.79 3.23
equal Dr. Reddy's Lab Healthcare 39.09 3.49 0.00 3.17
equal ITC FMCG 16.68 8.08 0.00 2.70
equal Tata Consumer Products FMCG 93.78 2.53 0.00 2.29
equal Container Corp. Services 68.63 3.07 0.00 2.24
down Muthoot Finance Financial 15.55 2.40 1.04 2.09
down HDFC Life Insurance Financial 92.71 2.65 0.00 2.08
new HCL Technologies Technology 15.92 2.03 0.00 2.03
equal Divi's Laboratories Healthcare 53.69 2.62 0.00 1.91
down Titan Company Cons Durable 64.49 2.64 0.00 1.88
equal Jubilant FoodWorks Services 88.19 2.34 0.00 1.88
up PI Industries Chemicals 59.04 1.84 0.00 1.84
up HDFC Asset Management Company Financial 39.62 2.02 0.00 1.84
equal 3M India Services 75.25 2.23 0.00 1.83
equal Bajaj Auto Automobile 18.90 2.16 0.00 1.81
equal Bayer CropScience Healthcare 58.14 1.71 0.00 1.71
equal Bata India FMCG 49.17 2.98 0.00 1.54
equal ICICI Lombard General Insurance Company Financial 48.13 1.69 0.00 1.48
equal Kansai Nerolac Paints Chemicals 60.44 1.59 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 30-Jun-2020

Fund Manager

— Ennette Fernandes since 18-Jun-2018

Education: Ms. Fernandes is B.com & PGDBM

Experience: Prior to joining TATA Mutual Fund she has worked with Phillip Capital India Pvt. Limited as Junior Research Analyst on FMCG sector.

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:

— 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 (Jun 2005-Jan 2006) as Lead Analyst (Reporting to Head Research), JM Financial AMC (Feb 2006-June 2007) as Senior Analyst (Reporting to CIO), Prime Securities (Aug 2007-Oct 2008) as Head Research (Reporting to President), BRICS Securities (Nov 2008-Apr 2010) as Consumer Vertical (Reporting to Head Equities) and IDBI Capital Market Services Ltd (Jun 2010-March 2014) as Head Research (Reporting to Executive VP).

Interviews:

Funds Managed:


0.77%

Change from previous, NAV as on 06-Aug-2020

Growth: ₹ 30.1022


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

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 150
Minimum No of Cheques 12
Minimum Withdrawal (₹) 500
Minimum Balance (₹) 500
Exit Load 1% for redemption within 1829 days

Basic Details

Fund House: Tata Mutual Fund
Launch Date: 01-Nov-2011
Return Since Launch: 13.39%
Benchmark: S&P BSE 200 TRI
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 728 Cr (As on 30-Jun-2020)
Expense: 2.50% (As on 30-Jun-2020)
Risk Grade: Below Average
Return Grade: Above Average
Turnover: 59.51%

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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