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3 star

Tata Retirement Savings Fund - Moderate Plan - Regular Plan


1 Lakh

Investment Grown to
₹ 1.50 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.81 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
Fund 19.31 -0.59 0.98 -1.68 -0.38 9.54 25.12 14.54 14.90 12.50 15.58
VR Balanced TRI 21.24 -1.03 0.87 -3.01 -0.30 9.26 27.94 16.15 15.71 11.12 13.23
Hybrid: Aggressive Hybrid 24.84 -0.55 0.67 -2.00 1.00 10.86 30.78 15.40 13.30 10.63 13.88
Rank within category 38 27 10 13 34 25 33 23 7 3 5
Number of funds in category 47 48 48 48 48 48 46 39 30 25 24

As on 03-Dec-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 - Moderate Plan - Regular Plan  | Invest Online
3 star
Nov-11 25.12 14.54 14.90 2.13% 1,608
SBI Equity Hybrid Fund  | Invest Online
4 star
Dec-95 27.28 16.80 14.41 1.66% 48,043
ICICI Prudential Equity & Debt Fund  | Invest Now
4 star
Nov-99 47.54 19.16 15.54 1.80% 18,740
DSP Equity & Bond Fund  | Invest Online
4 star
May-99 28.32 18.29 14.49 1.86% 7,559
Canara Robeco Equity Hybrid Fund - Regular Plan  | Invest Online
5 star
Feb-93 25.78 17.42 15.16 1.93% 6,901

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
Fund 14.80 16.15 0.68 0.74 0.87 0.12
VR Balanced TRI 16.35 17.90 0.70 0.83 -- --
Hybrid: Aggressive Hybrid 15.63 16.75 0.71 0.76 0.89 0.69
Rank within category 26 21 21 22 18 21
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 30-Nov-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 48
Top 10 Holdings (%) 36.43
Top 5 Holdings (%) 24.16
Top 3 Sectors (%) 42.83
Portfolio P/B Ratio 4.83
Portfolio P/E Ratio 32.85
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 1.97 - 3.48 1.97
equal Bahadur Chand Investments 317-D 22/04/2022 Commercial Paper A1+ 0.00 - 1.64 1.51
equal 6.79% GOI 26/12/2029 GOI Securities SOV 1.27 - 1.68 1.27
equal 6.49% Malwa Solar Power Generation 2024 Non Convertible Debenture AAA 0.00 - 1.07 0.98
new 6.40% Jamnagar Utilities and Power 29/09/2026 Non Convertible Debenture AAA 0.00 - 0.93 0.93
equal 5.70% Bajaj Housing Finance 2024 Debenture AAA 0.00 - 1.02 0.93
equal 6.45% ICICI Bank 15/06/2028 Debenture AAA 0.00 - 1.01 0.92
equal Cholamandalam Investment & Finance Company 321-D 16/06/2022 Commercial Paper A1+ 0.00 - 0.97 0.91
equal Panatone Finvest 364-D 30/08/2022 Commercial Paper A1+ 0.00 - 0.91 0.90
equal 6.49% Yarrow Infrastructure 2024 Non Convertible Debenture AAA 0.00 - 0.81 0.74
equal 6.10% GOI 2031 GOI Securities SOV 0.00 - 1.44 0.71
equal 6.49% Sepset Construction 2024 Non Convertible Debenture AAA 0.00 - 0.74 0.67
equal Powergrid Infrastructure Investment Trust Infrastructure Investment Trust -- 0.00 - 0.68 0.64
equal 5.90% Bharti Hexacom 30/04/2024 Debenture AA+ 0.00 - 0.62 0.62
equal 6.75% Piramal Capital & Housing Finance 26/09/2031 Debenture AA 0.00 - 0.37 0.37
equal 7.42% Power Finance Corporation 19/11/2024 Non Convertible Debenture AAA 0.33 - 1.28 0.33
equal 7.13% NHPC 2026 Debenture AAA 0.32 - 0.42 0.32
equal 7.13% NHPC 2027 Debenture AAA 0.32 - 0.42 0.32
equal 7.13% NHPC 2029 Debenture AAA 0.32 - 0.42 0.32
equal 8.10% SBI Cards & Payments Services 17/10/2023 Debenture AAA 0.26 - 0.34 0.26
equal 7.26% GOI 14/01/2029 GOI Securities SOV 0.13 - 0.17 0.13
equal 6.49% Priapus Infrastructure 2024 Debenture AAA 0.00 - 0.07 0.06
equal 8.20% Power Grid Corporation 23/01/2022 Bonds/NCDs AAA 0.03 - 0.03 0.03
equal 8.81% SIDBI 25/01/2022 Debenture AAA 0.01 - 0.02 0.01

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
down ICICI Bank Financial 23.44 7.06 0.00 7.06
equal HDFC Bank Financial 24.50 8.37 3.40 5.31
down Reliance Industries Energy 31.17 8.51 2.31 5.00
equal Tata Consultancy Services Technology 36.81 3.97 0.00 3.49
equal Infosys Technology 34.93 4.01 0.00 3.30
up ITC FMCG 19.14 6.79 1.84 2.83
equal HCL Technologies Technology 27.55 3.04 0.00 2.45
equal SBI Cards & Payments Services Financial 90.23 2.68 0.00 2.40
equal Radico Khaitan FMCG 49.41 2.35 0.84 2.35
equal Axis Bank Financial 20.63 2.97 0.00 2.24
equal Polycab India Engineering 43.12 1.95 0.00 1.85
down Titan Company Consumer Durable 120.35 2.20 0.00 1.67
equal Oracle Fin Ser Software Technology 19.33 1.77 0.00 1.63
down Dixon Technologies Engineering 164.69 2.20 0.00 1.60
down Kotak Mahindra Bank Financial 38.01 4.29 0.00 1.59
equal Voltas Consumer Durable 69.60 1.60 0.97 1.57
equal Ambuja Cements Construction 23.22 1.74 0.00 1.55
equal Power Grid Corporation Energy 8.92 2.06 0.00 1.52
down Jubilant FoodWorks Services 119.64 2.06 1.30 1.51
equal Tata Consumer Products FMCG 98.73 2.11 0.00 1.48
down Info Edge (India) Services 8.85 1.86 0.00 1.46
equal 3M India Diversified 129.83 2.06 0.00 1.45
equal Birlasoft Technology 32.62 1.41 0.00 1.40
new HDFC Financial 24.08 3.74 0.00 1.36
equal Divi's Laboratories Healthcare 59.12 2.24 0.00 1.32

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-Oct-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:


-0.59%

Change from previous, NAV as on 03-Dec-2021

Growth: ₹ 43.3203


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: 15.63%
Benchmark: CRISIL Hybrid 25+75 Aggressive Index
Riskometer: Very High
Type: Open-ended
Assets: ₹ 1,608 Cr (As on 31-Oct-2021)
Expense: 2.13% (As on 31-Oct-2021)
Risk Grade: Above Average
Return Grade: Average
Turnover: 47.62%

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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