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3 star

Tata Retirement Savings Fund - Progressive Plan - Direct Plan


Equity: Flexi Cap

1 Lakh

Investment Grown to
₹ 1.70 Lakh

₹ 10000

Monthly SIP Grown to
₹ 5.14 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: 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 1.95 -1.32 -0.75 4.75 -3.10 11.15 25.10 19.40 18.12 15.06 --
S&P BSE 500 TRI 5.26 0.32 1.83 7.61 0.14 15.17 33.45 21.39 18.41 13.86 --
Equity: Flexi Cap 3.38 -1.22 0.25 5.75 -0.39 14.00 35.00 21.49 17.68 13.71 --
Rank within category 61 48 63 54 62 48 52 30 16 8 --
Number of funds in category 64 65 65 64 63 59 57 42 35 31 1

As on 18-Jan-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 - Progressive Plan - Direct Plan  | Invest Online
3 star
Jan-13 25.10 19.40 18.12 0.65% 1,244
UTI Flexi Cap Fund - Direct Plan  | Invest Online
5 star
Jan-13 35.35 26.85 21.70 1.00% 25,541
SBI Focused Equity Fund - Direct Plan  | Invest Online
4 star
Jan-13 43.80 25.80 21.82 0.68% 23,717
Axis Focused 25 Fund - Direct Plan
4 star
Jan-13 29.16 23.81 21.48 0.59% 20,427
Parag Parikh Flexi Cap Fund - Direct Plan  | Invest Online
5 star
May-13 45.82 30.87 23.64 0.82% 19,933

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 10.92 24-Mar-2020 - 31-Mar-2020 -17.37 11-Mar-2020 - 18-Mar-2020
Month 21.64 23-Mar-2020 - 22-Apr-2020 -33.99 20-Feb-2020 - 23-Mar-2020
Quarter 33.05 23-Mar-2020 - 22-Jun-2020 -32.46 23-Dec-2019 - 23-Mar-2020
Year 79.08 23-Mar-2020 - 23-Mar-2021 -25.68 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 18.69 18.88 0.79 0.85 0.84 1.09
S&P BSE 500 TRI 20.28 21.92 0.75 0.85 -- --
Equity: Flexi Cap 20.58 21.01 0.81 0.87 0.93 1.51
Rank within category 29 7 22 22 7 22
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-Dec-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 52
Top 10 Stocks (%) 42.46
Top 5 Stocks (%) 28.32
Top 3 Sectors (%) 49.55
Portfolio P/B Ratio 4.86
Portfolio P/E Ratio 31.13

Portfolio Aggregates

Fund Category
Average Mkt Cap (Rs Cr) 1,28,515 1,51,151
Giant (%) 47.16 53.79
Large (%) 23.03 18.02
Mid (%) 23.06 21.88
Small (%) 6.75 6.73
Tiny (%) -- 0.08

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 26.45 8.34 4.74 8.04
equal HDFC Bank Financial 23.35 9.58 4.02 5.78
equal Reliance Industries Energy 32.63 9.80 2.80 5.41
up Tata Consultancy Services Technology 38.48 4.75 0.00 4.75
equal Infosys Technology 36.53 4.67 0.00 4.34
equal ITC FMCG 19.03 8.08 2.01 3.21
down HCL Technologies Technology 29.56 3.50 0.00 3.16
equal Radico Khaitan FMCG 52.05 2.87 0.98 2.87
equal Power Grid Corporation Energy 8.91 2.64 0.00 2.54
up Titan Company Consumer Durable 131.52 2.64 0.00 2.36
equal SBI Cards & Payments Services Financial 79.38 3.10 0.00 2.35
equal Axis Bank Financial 22.37 3.45 0.00 2.30
equal Polycab India Engineering 48.59 2.28 0.00 2.28
equal Dixon Technologies Engineering 167.39 2.58 0.00 2.06
up Jubilant FoodWorks Services 117.83 2.30 1.57 1.96
down Birlasoft Technology 34.83 1.93 0.00 1.87
equal Zomato Services -- 2.02 0.00 1.77
equal Info Edge (India) Services 7.60 2.08 0.00 1.73
equal Ambuja Cements Construction 23.10 2.03 0.00 1.68
up Kajaria Ceramics Construction 53.42 1.56 0.00 1.56
equal Oracle Fin Ser Software Technology 18.63 1.91 0.00 1.55
equal Tata Consumer Products FMCG 91.22 2.48 0.00 1.55
equal Voltas Consumer Durable 70.46 1.61 1.09 1.52
equal HDFC Life Insurance Insurance 122.86 2.65 0.00 1.45
equal 3M India Diversified 125.63 2.23 0.00 1.45

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-Dec-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:


-0.95%

Change from previous, NAV as on 19-Jan-2022

Growth: ₹ 51.1183


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 (₹) 150
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-Jan-2013
Return Since Launch: 17.19%
Benchmark: S&P BSE 200 TRI
Riskometer: Very High
Type: Open-ended
Assets: ₹ 1,244 Cr (As on 31-Dec-2021)
Expense: 0.65% (As on 31-Dec-2021)
Risk Grade: Below Average
Return Grade: Average
Turnover: 48.56%

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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