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3 star

Tata Retirement Savings Fund - Progressive Plan - Regular Plan


Equity: Flexi Cap

1 Lakh

Investment Grown to
₹ 1.33 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.60 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 5.08 -1.14 2.46 1.26 10.08 23.12 24.57 10.04 16.56 17.49 --
S&P BSE 500 TRI* 9.21 -1.16 2.99 2.34 14.67 34.52 37.49 12.72 16.61 15.85 --
Equity: Flexi Cap* 8.83 -1.12 2.61 1.96 13.89 31.53 30.59 11.20 15.29 16.01 --
Rank within category* 51 30 34 39 51 52 40 24 14 12 --
Number of funds in category* 56 58 58 57 56 54 52 37 35 28 24

As on 05-Mar-2021

* As on 07-Mar-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 24.57 10.04 16.56 2.35 919
Kotak Flexicap Fund Regular Plan  | Invest Online
4 star
Sep-09 29.15 12.56 16.81 1.62 32,453
UTI Flexi Cap Fund - Regular Plan  | Invest Online
5 star
May-92 37.88 18.22 17.92 1.76 14,606
Axis Focused 25 Fund
5 star
Jun-12 26.60 15.30 19.25 1.73 13,660
SBI Focused Equity Fund  | Invest Online
4 star
Oct-04 23.61 13.10 17.12 1.92 12,520

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 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 10.59 21.07 0.29 0.32 0.88 -1.69
S&P BSE 500 TRI 13.30 23.03 0.38 0.45 -- --
Equity: Flexi Cap 11.95 22.36 0.33 0.38 0.94 -0.84
Rank within category 26 10 25 25 10 24
Number of funds in category 38 38 38 38 38 38

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

As on 28-Feb-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 48
Top 10 Stocks (%) 44.82
Top 5 Stocks (%) 30.93
Top 3 Sectors (%) 54.30
Portfolio P/B Ratio 4.30
Portfolio P/E Ratio 32.32

Portfolio Aggregates

Fund Category
Average Mkt Cap (Rs Cr) 1,17,583 1,22,998
Giant (%) 50.92 54.25
Large (%) 17.92 15.49
Mid (%) 27.44 22.22
Small (%) 3.72 8.37
Tiny (%) -- 0.17

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
down ICICI Bank Financial 28.58 8.34 0.00 8.34
up HDFC Bank Financial 27.48 9.58 4.80 7.36
equal Reliance Industries Energy 34.87 9.80 0.00 7.27
down Infosys Technology 30.15 4.67 0.00 4.39
up ITC FMCG 19.37 8.08 0.00 3.57
equal Dr. Reddy's Lab Healthcare 34.32 4.48 0.00 3.53
down HCL Technologies Technology 19.33 3.50 0.00 2.92
up Axis Bank Financial 74.87 3.45 0.00 2.50
down Hindustan Unilever FMCG 70.63 4.22 1.90 2.47
down Dixon Technologies Engineering 156.56 2.45 0.00 2.45
equal HDFC Life Insurance Financial 107.07 2.65 0.00 2.22
down Tata Consultancy Services Technology 36.13 2.13 0.00 2.13
up SBI Cards & Payments Services Financial 111.51 2.03 0.00 2.03
up Info Edge (India) Services 52.20 2.08 0.00 1.95
equal Titan Company Cons Durable 173.34 2.64 0.00 1.92
down Tata Consumer Products FMCG 78.98 2.48 0.00 1.91
equal Jubilant FoodWorks Services 254.51 2.34 1.57 1.87
equal Oracle Fin Ser Software Technology 17.56 1.86 0.00 1.72
equal Alembic Pharmaceuticals Healthcare 16.05 1.90 0.00 1.66
up Radico Khaitan FMCG 33.26 2.29 0.98 1.54
equal Voltas Cons Durable 76.52 2.01 1.09 1.53
equal 3M India Services 189.82 2.23 0.00 1.48
equal Muthoot Finance Financial 14.32 2.09 1.04 1.44
equal Ambuja Cements Construction 23.90 2.03 0.00 1.42
equal MRF Automobile 23.15 1.49 0.00 1.41

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-Jan-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:


-1.14%

Change from previous, NAV as on 05-Mar-2021

Growth: ₹ 37.4662


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: 15.18%
Benchmark: S&P BSE 200 TRI
Riskometer: Very High
Type: Open-ended
Assets: ₹ 919 Cr (As on 31-Jan-2021)
Expense: 2.35% (As on 31-Jan-2021)
Risk Grade: Below Average
Return Grade: Average
Turnover: 78.31%

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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