Tata Retirement Savings Conservative Fund Direct Growth

Tata Retirement Savings Conservative Fund Direct Growth

Hybrid

Direct

Retirement

NAV as on 06-12-2024

₹ 36.18

0.1%

1D

Inception Returns

10.4%

/yr

About Tata Retirement Savings Conservative Fund Direct Growth

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 Oct 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 10.38% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 13.73%, 9.09% and 9.80% respectively.

Holdings

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

Historical NAV & Returns

Annualised

zero opening, trading, fund transfer fee
28 people have invested ₹ 1.2L in Tata Retirement Savings Conservative Fund Direct Growth in the last three months

Tata Retirement Savings Conservative Fund Direct Growth Overview

Expense ratio0.96%
Benchmark
CRISIL Short Term Debt Hyb 75+25 TR INR
AUM₹172 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹5000/₹500
Exit Load
1.0%
Lock In5 Years
TurnOver
38.29%
STCGSelling mutual fund within 36 months, gains taxed at slab rates.
LTCGHolding over 3 years, gains taxed at slab rates without indexation.
Risk
Risk meter
pointer
Moderately High risk

Trailing Returns

as on (06-Dec-24)

Period
Tata Retirement Savings Conservative Fund Direct Growth
Retirement Index
1M
1%
-
3M
1.5%
-
6M
6.5%
-
1Y
13.7%
-
3Y
9.1%
-
5Y
9.8%
-

Fund Distribution

as on (31-Oct-24)

  • Equity 27.9%

  • Debt & Cash 72.1%

Large cap
11.1%

Small cap
10.1%

Mid cap
6.6%

Sector Allocation

Oct'24

Sep'24

Aug'24

Financial Services
27%
Consumer Defensive
17.4%
Industrial
14.9%
Consumer Cyclical
13.2%
Tech
9.6%
Basic Materials
8.4%
Energy
4.9%
Utilities
2.7%
Real Estate
1.2%
Communication
0.7%
All changes are between Oct'69 and Dec'69
Parameters
Oct'24
Sep'24
Aug'24
AUM
₹ 174.4 Cr
₹ 178.2 Cr
₹ 175.7 Cr
  • AUM of the fund stands at 174.4 Cr as of Oct'24
  • AUM decreased by 3.8 Cr between Oct'24 and Sep'24

Top 3 Sectors in October were Government, Financial Services & Consumer Defensive

Oct'24
Government
49%
Financial Services
27%
Consumer Defensive
17%
Sep'24
Government
49%
Financial Services
23%
Consumer Defensive
19%
Fund
Oct'24
Sep'24
Aug'24
No of Holdings
63
66
67
Top 5 Company Concentration
6.5%
6.5%
6.8%
Company having highest exposure
HDFC Bank Ltd (2.1%)
HDFC Bank Ltd (2%)
HDFC Bank Ltd (1.9%)
No of Sectors
12
13
13
Top 5 Sectors Concentration
121.1%
118.6%
118%
Sector having highest exposure
Government (48.7%)
Government (49%)
Government (48.4%)
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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
Fund House
Tata Asset Management Limited
Total Schemes
Total AUM
₹1.87L Cr
as on 31-Oct-2024
Address
Tata Asset Management Private Limited,Mafatlal Centre, 9th Floor,,Nariman Point,,India
Phone
+912266578282
Website
kiran@tataamc.com

Mutual Fund Insights

Insights icon
In the last 3 years, ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth has given 25.11% return, outperforming this fund by 16.02% per annum.
Insights icon
In the last 1 year, ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth has given 38.05% return, outperforming this fund by 24.32%.
Insights icon
In the last 5 years, ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth has given 26.58% return, outperforming this fund by 16.78% per annum.
Insights icon
Over the last 1 month, this fund has experienced a 2.8% drop in AUM moving from 177.4 Cr to 172.34 Cr.
Insights icon
This fund has one of the lowest expense ratio in the category (retirement). Its expense ratio is 0.96% which is lower than the category average expense ratio of 1.39%.

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 10.38% since inception which is less than its category average return of 12.66%
Fund Allocations

Fund Allocations

This fund has an allocation of 27.92% in Equity, 43.6% in Debt and 28.48% 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 ₹ 806 Cr
Expense Ratio 0.96%

Expense Ratio 0.96%

This fund has an expense ratio of 0.96% which is less than its category average expense ratio of 1.52%

Frequently Asked Questions for Tata Retirement Savings Conservative Fund Direct Growth

The current NAV of Tata Retirement Savings Conservative Fund Direct Growth is ₹36.18 as on 06-Dec-2024.
Existing (Absolute + CAGR) as on 06-Dec-2024.
Tata Retirement Savings Conservative Fund Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
1.01%
1.01%
6 Month Returns
6.53%
6.53%
1 Year Returns
13.73%
13.73%
3 Years Returns
29.81%
9.09%
5 Years Returns
59.56%
9.8%
With INDmoney, the process of investing is very simple and involves zero commission.
  • Click Buy on the fund name.
  • Input the amount you are looking to invest.
  • Select Lump Sum or SIP (Weekly, Monthly or Quarterly).
  • Select your bank account and proceed with Payment.
0.96% as on November 2024
₹172 Cr as on November 2024
7.38% Govt Stock 2027(8.83%), 7.17% Govt Stock 2030(8.83%), 7.36% Govt Stock 2052(6.04%), 7.27% Govt Stock 2026(5.84%), Power Finance Corporation Limited(5.8%) as on November 2024
Government(35.12%), Cash Equivalent(28.48%), Corporate(8.47%) as on November 2024
AAA
94.41
AA
5.59
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%