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3 star

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


1 Lakh

Investment Grown to
₹ 1.52 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.45 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.

Aggressive hybrid funds invest 65-80 per cent of your money in equity shares and the rest in bonds. Their returns are slightly lower than those of pure equity funds which invest all your money in shares, but they also fall relatively less when the stock markets decline. This makes them suitable for conservative equity investors or first-time equity investors who are not used to sharp ups and downs.

Like for all equity-linked investments, 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 aggressive hybrid 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 Moderate Reg-G -0.73 0.13 1.95 8.46 9.75 4.21 3.62 14.87 9.62 10.92 14.68
VR Balanced TRI 4.22 0.09 1.56 9.39 10.18 4.42 9.03 16.73 12.88 11.73 12.98
Hybrid: Aggressive Hybrid 1.16 0.07 1.38 7.27 8.76 3.29 6.38 15.84 10.42 10.30 13.36
Rank within category 34 17 2 2 9 12 36 26 20 9 6
Number of funds in category 46 46 46 46 46 46 46 42 30 24 22

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 - Moderate Plan - Regular Plan  | Invest Online
3 star
Nov-11 3.62 14.87 9.62 2.12 1,581
SBI Equity Hybrid Fund  | Invest Online
4 star
Dec-95 7.22 15.64 12.13 1.54 53,018
ICICI Prudential Equity & Debt Fund  | Invest Now
5 star
Nov-99 18.78 21.98 14.20 1.80 19,614
Canara Robeco Equity Hybrid Fund - Regular Plan  | Invest Online
4 star
Feb-93 4.85 17.42 12.06 1.81 8,033
Mirae Asset Hybrid Equity Fund - Regular Plan  | Invest Online
4 star
Jul-15 5.05 15.72 11.62 1.79 6,886

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 9.34 24-Mar-2020 - 31-Mar-2020 -15.03 11-Mar-2020 - 18-Mar-2020
Month 18.23 23-Mar-2020 - 22-Apr-2020 -29.54 20-Feb-2020 - 23-Mar-2020
Quarter 28.04 23-Mar-2020 - 22-Jun-2020 -28.08 23-Dec-2019 - 23-Mar-2020
Year 74.40 13-Feb-2014 - 13-Feb-2015 -23.72 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Tata Retirement Savings Moderate Reg-G 13.71 16.34 0.63 0.68 0.86 -0.29
VR Balanced TRI 15.74 18.34 0.67 0.80 -- --
Hybrid: Aggressive Hybrid 14.92 17.06 0.67 0.73 0.88 0.59
Rank within category 26 16 25 26 15 26
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-2022

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 44
Top 10 Holdings (%) 38.93
Top 5 Holdings (%) 25.92
Top 3 Sectors (%) 42.78
Portfolio P/B Ratio 4.54
Portfolio P/E Ratio 27.34
Avg Credit Rating AAA

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

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Top Debt Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 7.27% GOI 2026 GOI Securities SOV 1.92 - 2.70 1.92
equal 6.35% Mindspace Business Parks REIT 31/12/2024 Debenture AAA 0.00 - 1.44 1.36
equal 6.79% GOI 26/12/2029 GOI Securities SOV 1.23 - 1.31 1.23
equal Panatone Finvest 364-D 30/08/2022 Commercial Paper A1+ 0.89 - 1.00 0.94
equal 6.49% Malwa Solar Power Generation 2024 Non Convertible Debenture AAA 0.93 - 1.02 0.93
equal 5.70% Bajaj Housing Finance 2024 Debenture AAA 0.92 - 0.98 0.92
equal 6.40% Jamnagar Utilities and Power 29/09/2026 Non Convertible Debenture AAA 0.00 - 0.96 0.90
equal 6.45% ICICI Bank 15/06/2028 Debenture AAA 0.90 - 0.96 0.90
equal 6.49% Yarrow Infrastructure 2024 Non Convertible Debenture AAA 0.70 - 0.77 0.70
equal 6.10% GOI 2031 GOI Securities SOV 0.68 - 1.36 0.68
equal 6.49% Sepset Construction 2024 Non Convertible Debenture AAA 0.64 - 0.70 0.64
equal 5.90% Bharti Hexacom 30/04/2024 Debenture AA+ 0.00 - 0.66 0.62
equal 7.42% Power Finance Corporation 19/11/2024 Non Convertible Debenture AAA 0.32 - 1.01 0.32
equal 7.13% NHPC 2026 Debenture AAA 0.32 - 0.34 0.32
equal 7.13% NHPC 2029 Debenture AAA 0.31 - 0.33 0.31
equal 8.10% SBI Cards & Payments Services 17/10/2023 Debenture AAA 0.25 - 0.27 0.25
equal 7.26% GOI 14/01/2029 GOI Securities SOV 0.13 - 0.13 0.13
equal 6.49% Priapus Infrastructure 2024 Debenture AAA 0.06 - 0.06 0.06

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

Sector Allocation vis-à-vis Category

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Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
equal ICICI Bank Financial 22.21 7.89 4.36 7.89
up HDFC Bank Financial 21.15 7.95 3.40 5.29
down Reliance Industries Energy 27.12 8.51 3.11 5.28
equal ITC Consumer Staples 23.89 5.47 1.84 3.90
down Tata Consultancy Services Technology 31.89 4.72 0.00 3.55
down Infosys Technology 29.90 5.56 0.00 3.42
up SBI Cards & Payments Services Financial 46.60 3.05 0.00 3.05
equal Titan Company Consumer Discretionary 74.94 2.29 0.81 2.26
up Jubilant FoodWorks Services 88.23 2.18 1.45 2.18
equal HDFC Financial 19.82 3.74 0.00 2.11
equal Radico Khaitan Consumer Staples 48.78 2.57 0.84 2.01
equal HCL Technologies Technology 19.46 3.04 0.00 2.00
up Asian Paints Materials 97.46 1.98 0.00 1.98
equal Polycab India Capital Goods 34.82 2.10 0.00 1.93
up Axis Bank Financial 14.56 2.97 0.00 1.79
equal Tata Consumer Products Consumer Staples 73.90 2.11 0.00 1.75
up Kotak Mahindra Bank Financial 29.00 4.29 0.00 1.73
equal Cera Sanitaryware Materials 35.53 1.70 0.00 1.70
equal Ambuja Cements Materials 34.36 1.75 0.00 1.70
up Bharat Electronics Capital Goods 25.69 1.68 0.00 1.68
new Metro Brands Consumer Discretionary 105.13 1.67 0.00 1.67
up Havells India Capital Goods 70.66 1.33 0.00 1.33
equal 3M India Diversified 79.99 2.06 0.00 1.32
equal Matrimony.Com Services 34.32 1.40 0.00 1.25
up United Spirits Consumer Staples 56.56 1.24 0.00 1.24

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: ₹ 43.4244


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: 14.56%
Benchmark: CRISIL Hybrid 25+75 Aggressive Index
Riskometer: Very High
Type: Open-ended
Assets: ₹ 1,581 Cr (As on 31-Jul-2022)
Expense Ratio: 2.12% (As on 31-Jul-2022)
Risk Grade: Above Average
Return Grade: Average
Turnover: 44.82%

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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