Tata Retirement Savings Moderate Fund Direct Growth

Hybrid
Direct
Retirement
Tata Retirement Savings Moderate Fund Direct Growth

About the Fund

Tata Retirement Savings Moderate 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 Moderate Fund Direct Growth has ₹1991 Cr worth of assets under management (AUM) as on May 2024 and is more than category average.
  2. The fund has an expense ratio 0.6.

Returns

Tata Retirement Savings Moderate Fund Direct Growth has given a CAGR return of 16.86% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 33.76%, 16.64% and 17.08% respectively.

Holdings

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

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 Moderate 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 150.00. There is a lock in period for Tata Retirement Savings Moderate Fund Direct Growth of 5 Years

Fund Performance
zero opening, trading, fund transfer fee
292 people have invested ₹ 6.9L in Tata Retirement Savings Moderate Fund Direct Growth in the last three months

Fund Overview

Expense ratio0.62%
Benchmark
CRISIL Hybrid 25+75-Aggressive TR INR
AUM₹1991 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹5000/₹150
Exit Load
1%
Lock In5 Years
TurnOver
57.82%
Risk
Risk meter
pointer
Very High Risk

Fund Distribution
as on (31-May-24)

  • Equity 84.5%

  • Debt & Cash 15.5%

Large cap
38.1%

Small cap
24.2%

Mid cap
22.2%

Sector Allocation

May'24

Apr'24

Mar'24

Financial Services
19.9%
Industrial
19.4%
Consumer Cyclical
15.2%
Consumer Defensive
13.8%
Basic Materials
10.2%
Energy
9.8%
Tech
5.5%
Utilities
2.1%
Communication
1.7%
Real Estate
1.5%
Health
1%
All changes are between Oct'69 and Dec'69

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

Mutual Fund Insights

Insights icon
In the last 1 year, ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth has given 57.11% return, outperforming this fund by 23.36%.
Insights icon
In the last 5 years, ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth has given 24.93% return, outperforming this fund by 7.85% per annum.
Insights icon
Over the last 1 year, this fund has decreased expense ratio by 8.8% moving from 0.68 to 0.62.
Insights icon
In the last 3 years, ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth has given 32.25% return, outperforming this fund by 15.61% per annum.
Insights icon
This fund has one of the lowest expense ratio in the category (retirement). Its expense ratio is 0.62% which is lower than the category average expense ratio of 1.4%.

Tata Retirement Savings Moderate Fund Direct Growth Highlights

Risk meter
pointer

Very High Risk

Investors understand that their principal will be at Very High Risk
About the fund

About the fund

This fund has delivered an average annual returns of 16.86% since inception which is more than its category average return of 12.09%
Fund Allocations

Fund Allocations

This fund has an allocation of 84.55% in Equity, 9.28% in Debt and 6.17% in Cash related instruments
AUM size ₹1991 Cr

AUM size ₹1991 Cr

This fund has AUM of ₹1991 Cr which is more than its category average of ₹ 726 Cr
Expense Ratio 0.62%

Expense Ratio 0.62%

This fund has an expense ratio of 0.62% which is less than its category average expense ratio of 1.52%

Frequently Asked Questions

The current NAV of Tata Retirement Savings Moderate Fund Direct Growth is ₹71.31 as on 21-Jun-2024.
Existing (Absolute + CAGR) as on 21-Jun-2024.
Tata Retirement Savings Moderate Fund Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
5.65%
5.65%
6 Month Returns
15.63%
15.64%
1 Year Returns
33.76%
33.76%
3 Years Returns
58.68%
16.64%
5 Years Returns
119.99%
17.08%
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0.62% as on May 2024
₹1991 Cr as on May 2024
HDFC Bank Ltd(5.2%), Reliance Industries Ltd(4.27%), ITC Ltd(3.38%), Solar Industries India Ltd(2.64%), Jupiter Wagons Ltd(2.6%) as on May 2024
Industrial(17.49%), Financial Services(17.01%), Consumer Cyclical(12.74%) as on May 2024
AAA
97.87
AA
2.13
Murthy Nagarajan, Sonam Udasi are the fund managers of Tata Retirement Savings Moderate Fund Direct Growth
The Exit load of Tata Retirement Savings Moderate Fund Direct Growth is 1%