Tata Retirement Savings Fund - Conservative Plan - Regular Plan

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Hybrid: Conservative Hybrid

Analysts' Choice?

1 Lakh

Investment Grown to

₹ 1.30 Lakh

₹ 10000

Monthly SIP Grown to

₹ 4.15 Lakh

Suitability:

"Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds. These funds are suitable for those who cannot withstand too much volatility in the value of their investments and are content with moderate returns which are slightly higher than returns from fixed income options.

They may also suit those looking for a regular income from their accumulation. The debt portion of these funds provides a moderate, but steady stream of income. The small equity allocation though adds a bit of volatility, but helps boost returns to keep up with the rate of inflation over the long term.

Invest only if your investment horizon is three years or more. To derive dependable income with some degree of inflation protection, invest your accumulated savings in these funds gradually over at least a few months, and then maintain a withdrawal rate in the range of 4-6 per cent of the value of your investment every year."

Taxability of earnings:

The tax treatment of this fund may vary depending upon its asset allocation. It will be taxed in the following manner based on its average asset allocation in the last 12 months.

Capital gains

If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
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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Annual Returns

Quarterly Returns

Monthly Returns

Weekly Returns

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Amount (₹)

Start date

End date

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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	7.09	0.15	-0.24	-0.63	0.30	4.18	9.23	9.14	8.12	8.48	9.48
VR MIP TRI	10.34	0.43	-0.55	-1.37	1.13	5.51	13.23	10.39	9.43	8.54	9.69
Hybrid: Conservative Hybrid	9.84	0.15	-0.24	-0.14	1.69	5.42	11.82	8.44	7.03	7.57	9.01
Rank within category	23	18	20	26	33	26	21	12	6	6	8
Number of funds in category	33	36	36	36	36	36	33	30	30	28	27

As on 01-Dec-2021

Peer Comparison

Fund name	Launch Date	1-Year Return	3-Year Return	5-Year Return	Expense Ratio	Assets (Cr)
Tata Retirement Savings Fund - Conservative Plan - Regular Plan \| Invest Online	Nov-11	9.23	9.14	8.12	2.21%	189
SBI Debt Hybrid Fund \| Invest Online	Mar-01	16.23	12.12	8.25	1.10%	4,369
ICICI Prudential Regular Savings Fund \| Invest Now	Mar-04	11.15	10.41	9.29	1.73%	3,384
Kotak Debt Hybrid Fund - Regular Plan \| Invest Online	Dec-03	15.57	13.04	9.25	1.90%	1,160
Canara Robeco Conservative Hybrid Fund - Regular Plan \| Invest Online	Apr-01	11.30	11.49	8.74	1.87%	959

Best & Worst Performance

	Best Performance		Worst Performance
	Return (%)	Period	Return (%)	Period
Week	3.94	24-Mar-2020 - 31-Mar-2020	-5.74	11-Mar-2020 - 18-Mar-2020
Month	7.64	23-Mar-2020 - 22-Apr-2020	-11.08	20-Feb-2020 - 23-Mar-2020
Quarter	11.80	23-Mar-2020 - 22-Jun-2020	-9.15	23-Dec-2019 - 23-Mar-2020
Year	25.52	18-Feb-2014 - 18-Feb-2015	-3.94	22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

	Mean	Std Dev	Sharpe	Sortino	Beta	Alpha
Fund	8.90	5.62	0.91	1.06	0.77	0.27
VR MIP TRI	10.03	6.79	0.92	1.13	--	--
Hybrid: Conservative Hybrid	8.30	6.29	0.83	0.97	0.68	0.29
Rank within category	12	14	14	14	19	17
Number of funds in category	30	30	30	30	30	30

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	46
Number of Bonds	15
Average Maturity (yrs)	3.10
Top 10 Holdings (%)	55.99
Portfolio P/B Ratio	4.71
Portfolio P/E Ratio	31.86

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
7.32% GOI 28/01/2024	GOI Securities	SOV	13.90 - 17.30	13.90
7.27% GOI 2026	GOI Securities	SOV	5.59 - 6.95	5.59
7.42% Power Finance Corporation 19/11/2024	Non Convertible Debenture	AAA	5.53 - 6.84	5.53
5.70% Bajaj Housing Finance 2024	Debenture	AAA	0.00 - 5.78	5.26
6.40% Jamnagar Utilities and Power 29/09/2026	Non Convertible Debenture	AAA	0.00 - 5.25	5.25
Cholamandalam Investment & Finance Company 321-D 16/06/2022	Commercial Paper	A1+	0.00 - 5.55	5.14
6.84% GOI 19/12/2022	GOI Securities	SOV	4.99 - 6.18	4.99
Varanasi Sangam Expressway 29/12/2034	Non Convertible Debenture	AAA	0.00 - 4.67	4.25
8.24% GOI 15/02/2027	Central Government Loan	SOV	3.20 - 3.98	3.20
8.20% GOI 24/09/2025	Central Government Loan	SOV	2.88 - 3.59	2.88
7.73% GOI 19/12/2034	GOI Securities	SOV	2.84 - 3.61	2.84
9.95% Food Corporation of India 2022	Bonds	AAA	2.70 - 3.43	2.70
6.45% ICICI Bank 15/06/2028	Debenture	AAA	0.00 - 2.84	2.62
Panatone Finvest 364-D 30/08/2022	Commercial Paper	A1+	0.00 - 2.71	2.54
8.44% Maharashtra State 26/11/2024	State Development Loan	SOV	2.01 - 2.51	2.01

Indicates an increase or decrease or no change in holding since last portfolio
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
ICICI Bank	Financial	23.63	2.49	0.00	2.46
HDFC Bank	Financial	24.70	3.22	1.21	1.86
Reliance Industries	Energy	32.14	2.96	0.82	1.74
Tata Consultancy Services	Technology	36.82	1.50	0.00	1.26
Infosys	Technology	35.20	1.50	0.00	1.16
ITC	FMCG	19.46	2.34	0.61	0.98
HCL Technologies	Technology	27.87	1.05	0.00	0.91
SBI Cards & Payments Services	Financial	89.40	1.02	0.00	0.88
Radico Khaitan	FMCG	49.93	0.83	0.26	0.83
Axis Bank	Financial	20.73	1.06	0.00	0.80
Power Grid Corporation	Energy	9.29	0.89	0.00	0.77
Oracle Fin Ser Software	Technology	19.43	0.70	0.00	0.62
Polycab India	Engineering	43.33	0.67	0.00	0.60
Titan Company	Consumer Durable	121.13	0.75	0.00	0.58
Ambuja Cements	Construction	23.32	0.62	0.00	0.55
Kotak Mahindra Bank	Financial	39.01	1.46	0.00	0.55
Voltas	Consumer Durable	68.82	0.56	0.31	0.55
Dixon Technologies	Engineering	161.97	0.83	0.00	0.55
3M India	Diversified	125.63	0.73	0.00	0.54
Tata Consumer Products	FMCG	98.29	0.73	0.00	0.53
Info Edge (India)	Services	8.90	0.65	0.00	0.52
Jubilant FoodWorks	Services	118.42	0.76	0.47	0.52
Birlasoft	Technology	32.95	0.48	0.00	0.47
HDFC	Financial	24.42	1.32	0.00	0.45
Divi's Laboratories	Healthcare	59.38	0.80	0.00	0.45

Indicates an increase or decrease or no change in holding since last portfolio
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:

05-May-2020: 'In financial services, being a tortoise is sometimes a blessing'

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:

Invest Online

0.15%

Change from previous, NAV as on 01-Dec-2021

Growth: ₹ 24.9348

The fund seeks to provide a financial planning tool for long term financial security for investors based on their retirement planning goals.

Minimum Investment (₹)	5,000
Minimum Addl Investment (₹)	1,000
Minimum SIP Investment (₹)	500
Minimum No of Cheques	12
Minimum Withdrawal (₹)	--
Minimum Balance (₹)	--

Lock-in Period	5 Years
Exit Load	1% for redemption within 1829 days

Fund House:	Tata Mutual Fund
Launch Date:	01-Nov-2011
Return Since Launch:	9.48%
Benchmark:	CRISIL Short Term Debt Hybrid 75+25 Index
Riskometer:	Moderately High
Type:	Open-ended
Assets:	₹ 189 Cr (As on 31-Oct-2021)
Expense:	2.21% (As on 31-Oct-2021)
Risk Grade:	Average
Return Grade:	Above Average
Turnover:	--

Fund News - 16-Sep-2021

Change in Fund Manager under Tata Mutual Fund Schemes
Fund News - 18-Jun-2019

Custodian Change in Schemes of TATA Mutual Fund
Fund News - 03-May-2019

Exit Load change in Seven Schemes of TATA Mutual Fund
Fund News - 19-Mar-2018

Exit Load change in Three Schemes of Tata Mutual Fund
Fund News - 01-Feb-2018

Benchmark Change in Schemes of Tata Mutual Fund

Tata Retirement Savings Fund - Conservative Plan - Regular Plan

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Trailing Returns (%)

Peer Comparison

Best & Worst Performance

Risk Measures (%)

Asset Allocation (%)

Concentration & Valuation

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

Top Debt Holdings

Sector Allocation vis-à-vis Category

Top Equity Holdings

Fund Manager

0.15%

Investment Strategy

Investment Details

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