Tata Retirement Savings Conservative Fund Direct Growth

Hybrid
Direct
Retirement
Tata Retirement Savings Conservative Fund Direct Growth

About the Fund

Tata Retirement Savings Conservative Fund Direct Growth is a hybrid fund. This fund was started on 1 January, 2013. The fund is managed by Murthy Nagarajan, Sonam Udasi. This fund gives you the benefit of diversification.

Key Parameters

  1. Tata Retirement Savings Conservative Fund Direct Growth has ₹172 Cr worth of assets under management (AUM) as on Jun 2024 and is less than category average.
  2. The fund has an expense ratio 1.

Returns

Tata Retirement Savings Conservative Fund Direct Growth has given a CAGR return of 10.48% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 16.77%, 9.20% and 9.86% respectively.

Holdings

Tata Retirement Savings Conservative Fund Direct Growth has allocated its funds majorly in Government, Cash Equivalent, Financial Services, Corporate, Industrial, Consumer Defensive, Consumer Cyclical, Basic Materials, Energy, Tech, Utilities, Real Estate, Health, Communication.

Taxation

As it is a retirement mutual fund the taxation is as follows:
If the fund is equity oriented i.e. asset allocation of more than 65% in equity instruments:
For short term (less than a year) capital gains will be taxed at 15%
For long term (more than 1 year) capital gains will be taxed at 10% without indexation benefit
Gains up to Rs 1 lakh are exempt from taxation (more than 12 months).

Investment objective of Tata Retirement Savings Conservative Fund Direct Growth

To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 5000.00 and for SIP is INR 500.00. There is a lock in period for Tata Retirement Savings Conservative Fund Direct Growth of 5 Years

Fund Performance
zero opening, trading, fund transfer fee
27 people have invested ₹ 1L in Tata Retirement Savings Conservative Fund Direct Growth in the last three months

Fund Overview

Expense ratio0.97%
Benchmark
CRISIL Short Term Debt Hyb 75+25 TR INR
AUM₹172 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹5000/₹500
Exit Load
1%
Lock In5 Years
TurnOver
40.67%
Risk
Risk meter
pointer
Moderately High risk

Fund Distribution
as on (30-Jun-24)

  • Equity 28.9%

  • Debt & Cash 71.1%

Sector Allocation

Jun'24

May'24

Apr'24

Financial Services
22%
Industrial
18%
Consumer Defensive
16%
Consumer Cyclical
13.5%
Basic Materials
10.9%
Energy
9.4%
Tech
4.3%
Utilities
2.6%
Real Estate
1.1%
Health
1.1%
Communication
0.9%
All changes are between Oct'69 and Dec'69

Murthy Nagarajan
Murthy Nagarajan
Fund Manager of Tata Retirement Savings Conservative Fund Direct Growth, since 1 April 2017
Sonam Udasi
Sonam Udasi
Fund Manager of Tata Retirement Savings Conservative Fund Direct Growth, since 1 April 2016

Mutual Fund Insights

Insights icon
Over the last 1 month, this fund has experienced a 2.9% growth in AUM moving from 167.07 Cr to 171.87 Cr.
Insights icon
In the last 5 years, ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth has given 25.68% return, outperforming this fund by 15.82% per annum.
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This fund has one of the lowest expense ratio in the category (retirement). Its expense ratio is 0.97% which is lower than the category average expense ratio of 1.4%.
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In the last 3 years, ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth has given 32.75% return, outperforming this fund by 23.55% per annum.
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In the last 1 year, ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth has given 53.73% return, outperforming this fund by 36.96%.

Tata Retirement Savings Conservative Fund Direct Growth Highlights

Risk meter
pointer

Moderately High risk

Investors understand that their principal will be at Moderately High risk
About the fund

About the fund

This fund has delivered an average annual returns of 10.48% since inception which is less than its category average return of 12.72%
Fund Allocations

Fund Allocations

This fund has an allocation of 28.93% in Equity, 51.82% in Debt and 19.25% in Cash related instruments
AUM size ₹172 Cr

AUM size ₹172 Cr

This fund has AUM of ₹172 Cr which is less than its category average of ₹ 771 Cr
Expense Ratio 0.97%

Expense Ratio 0.97%

This fund has an expense ratio of 0.97% which is less than its category average expense ratio of 1.51%

Frequently Asked Questions

The current NAV of Tata Retirement Savings Conservative Fund Direct Growth is ₹35.2 as on 15-Jul-2024.
Existing (Absolute + CAGR) as on 15-Jul-2024.
Tata Retirement Savings Conservative Fund Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
2.37%
2.37%
6 Month Returns
8.21%
8.21%
1 Year Returns
16.77%
16.77%
3 Years Returns
30.21%
9.2%
5 Years Returns
60.02%
9.86%
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  • Select Lump Sum or SIP (Weekly, Monthly or Quarterly).
  • Select your bank account and proceed with Payment.
0.97% as on June 2024
₹172 Cr as on June 2024
7.38% Govt Stock 2027(8.82%), 7.17% Govt Stock 2030(8.78%), 7.36% Govt Stock 2052(6.03%), 7.27% Govt Stock 2026(5.85%), Power Finance Corporation Limited(5.81%) as on June 2024
Government(37.47%), Cash Equivalent(19.25%), Corporate(14.35%) as on June 2024
AAA
94.96
AA
5.04
Murthy Nagarajan, Sonam Udasi are the fund managers of Tata Retirement Savings Conservative Fund Direct Growth
The Exit load of Tata Retirement Savings Conservative Fund Direct Growth is 1%