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3 star

Tata Retirement Savings Fund - Progressive Plan - Regular Plan


Equity: Flexi Cap

1 Lakh

Investment Grown to
₹ 1.37 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.92 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: 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
Fund 16.72 0.21 2.26 4.14 13.87 12.20 39.48 11.12 14.62 15.30 --
S&P BSE 500 TRI 22.49 0.24 2.93 3.65 14.12 14.69 56.14 14.51 15.59 13.82 --
Equity: Flexi Cap 23.39 0.15 2.76 4.58 15.42 15.48 53.58 14.10 14.48 13.83 --
Rank within category 48 29 51 38 46 48 48 32 19 11 --
Number of funds in category 55 60 60 59 58 57 53 39 34 29 24

As on 04-Aug-2021

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
3 star
Nov-11 39.48 11.12 14.62 2.25 1,089
Kotak Flexicap Fund Regular Plan  | Invest Online
4 star
Sep-09 48.54 13.32 14.78 1.61 36,355
UTI Flexi Cap Fund - Regular Plan  | Invest Online
5 star
May-92 66.34 18.82 17.63 2.00 19,579
Axis Focused 25 Fund
4 star
Jun-12 51.27 13.88 17.30 1.83 17,336
Parag Parikh Flexi Cap Fund - Regular Plan  | Invest Online
5 star
May-13 55.17 22.26 20.71 2.04 11,360

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
Fund 12.25 20.44 0.40 0.42 0.87 -1.91
S&P BSE 500 TRI 15.65 22.64 0.51 0.57 -- --
Equity: Flexi Cap 15.16 22.06 0.50 0.55 0.94 0.15
Rank within category 33 10 33 33 9 32
Number of funds in category 41 41 41 41 41 41

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

As on 31-Jul-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 46
Top 10 Stocks (%) 44.89
Top 5 Stocks (%) 30.35
Top 3 Sectors (%) 52.06
Portfolio P/B Ratio 4.43
Portfolio P/E Ratio 31.62

Portfolio Aggregates

Fund Category
Average Mkt Cap (Rs Cr) 1,49,351 1,32,958
Giant (%) 56.85 53.16
Large (%) 17.21 16.90
Mid (%) 22.94 23.31
Small (%) 2.99 7.23
Tiny (%) -- 0.12

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 24.74 8.34 0.00 7.58
equal Reliance Industries Energy 29.53 9.80 2.66 7.04
down HDFC Bank Financial 24.69 9.58 4.80 6.99
equal Tata Consultancy Services Technology 35.17 4.43 0.00 4.43
equal Infosys Technology 34.41 4.67 0.00 4.31
equal Kotak Mahindra Bank Financial 34.89 4.90 0.00 3.09
equal ITC FMCG 18.44 8.08 2.01 3.00
equal Axis Bank Financial 27.33 3.45 0.00 2.89
equal SBI Cards & Payments Services Financial 108.73 3.10 0.00 2.81
equal HCL Technologies Technology 24.73 3.50 0.00 2.75
equal Power Grid Corporation Energy 10.46 2.57 0.00 2.48
down Dixon Technologies Engineering 140.63 2.58 0.00 2.40
down Polycab India Engineering 32.29 2.22 0.00 2.22
down Tata Consumer Products FMCG 97.90 2.48 0.00 2.05
equal Radico Khaitan FMCG 40.41 2.10 0.98 2.02
up HDFC Life Insurance Insurance 115.73 2.65 0.00 2.00
down Dr. Reddy's Lab Healthcare 45.69 4.48 0.00 1.99
equal Titan Company Consumer Durable 164.22 2.64 0.00 1.80
down Jubilant FoodWorks Services 131.33 2.30 1.57 1.79
equal Info Edge (India) Services 49.04 2.08 0.00 1.68
equal Ambuja Cements Construction 26.18 2.03 0.00 1.67
equal Oracle Fin Ser Software Technology 20.44 1.86 0.00 1.64
equal ICICI Prudential Life Insurance Co. Ltd. Insurance 198.63 1.81 1.05 1.63
equal 3M India Diversified 168.92 2.23 0.00 1.59
equal Voltas Consumer Durable 65.07 1.61 1.09 1.46

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-2021

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 (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:

— 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:

— 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:


0.21%

Change from previous, NAV as on 04-Aug-2021

Growth: ₹ 41.6172


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
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: 15.72%
Benchmark: S&P BSE 200 TRI
Riskometer: Very High
Type: Open-ended
Assets: ₹ 1,089 Cr (As on 30-Jun-2021)
Expense: 2.25% (As on 30-Jun-2021)
Risk Grade: Average
Return Grade: Average
Turnover: 69.65%

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

Upcoming Video

Investors' Hangout

Retirement tips to beat inflation & improve returns

DateFriday, 06-Aug-2021
Time12:30 PM - 01:00 PM