Tata Retirement Savings Conservative Fund

Tata Retirement Savings Conservative Fund

Hybrid

Tata Mutual Fund

Retirement

Get the latest NAV of Tata Retirement Savings Conservative Fund. View historical returns compared to its benchmark and category average. Know which stocks and sectors the fund is investing in. Get an estimate of returns from the SIP and lump sum returns calculator. View detailed holding analysis and peer comparison. Get INDmoney ranking of the fund.

₹36.87

▲0.1%1D

NAV as on 17 Mar 2026

9.47%/per year

Since Inception

Absolute Gain%

▲▼

26 people have invested ₹ 48.8K in Tata Retirement Savings Conservative Fund in the last three months

Tata Retirement Savings Conservative Fund Performance vs. Retirement Index

Fund returns vs Benchmark returns vs Category Average returns as on (17-Mar-26)

The fund has consistently outperformed the benchmark (Retirement Index) over the last 1Y, 3Y, 5Y time periods.

Period
1M
3M
6M
1Y
3Y
5Y
This Fund
-1.81%
-1.93%
-1.44%
6.13%
9.21%
7.13%
Retirement Index
-1.76%
-1.32%
-0.74%
4.53%
7.22%
6.72%
Retirement Avg
--
--
--
--
--
--
Best in Retirement
0.4%
1.1%
2.22%
20.27%
25.98%
21.2%
Worst in Retirement
-8.58%
-10.88%
-11.44%
3.65%
6.52%
5.58%

Peer comparison

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
3Y Alpha
3Y Beta
3Y Sharpe
3Y Sortino
3Y Info Ratio
Tata Retirement Savings Conservative Fund
-
168Cr
1.02%
6.13%
9.21%
--
--
0.70
1.08
--
HDFC Retirement Savings Fund Equity
3/10
6,987Cr
0.71%
5.52%
16.09%
2.13
0.85
1.05
1.81
0.29
ICICI Prudential Retirement Fund Pure Equity
4/10
1,729Cr
0.75%
20.57%
26.04%
8.10
1.06
1.40
2.60
2.44
ICICI Prudential Retirement Fund Hybrid Aggressive
5/10
1,131Cr
0.8%
16.84%
22.5%
6.98
1.36
1.40
2.55
2.07
See all

Tata Retirement Savings Conservative Fund Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

  • 1-time

  • SIP

Total Investment

0

Profit

Total Corpus

0

Absolute Return
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Tata Retirement Savings Conservative Fund Asset Allocation

See fund asset allocation details as on (14-Mar-26)

Fund Distribution

as on (14-Mar-26)

Large cap
16.3%
Mid cap
5.9%
Small cap
5.7%

Tata Retirement Savings Conservative Fund Sector Allocation

See fund sector allocation details as on (14-Mar-26)

Sector Allocation

Financial Services
29.2%
Consumer Defensive
16.1%
Consumer Cyclical
14.3%
Industrial
11.3%
Tech
10%
Basic Materials
6.3%
Energy
6.2%
Utilities
4.4%
Real Estate
1.5%
Health
0.9%

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

Feb'26

Government

75%

Financial Services

38%

Consumer Defensive

14%

Jan'26

Government

73%

Financial Services

39%

Consumer Defensive

14%

Tata Retirement Savings Conservative Fund Holdings Details

as on (28-Feb-26)

Holdings
Weight%
1M Change
ICICI Bank Ltd
1.47%
5.3%
Solar Industries India Ltd
1.36%
0%
Reliance Industries Ltd
1.34%
0%
BSE Ltd
1.08%
0%
Eternal Ltd
1.07%
0%
See all
Top Stocks bought last month
Kotak Mahindra Bank Ltd's allocation increased from 0.44% to 0.69%
Kotak Mahindra Bank Ltd's allocation increased from 0.44% to 0.69%
HCL Technologies Ltd's allocation increased from 0.59% to 0.76%
HCL Technologies Ltd's allocation increased from 0.59% to 0.76%
Reliance Industries Ltd's allocation increased from 1.62% to 1.72%
Reliance Industries Ltd's allocation increased from 1.62% to 1.72%
Top Stocks sold last month
HDFC Bank Ltd's allocation decreased from 2.08 % to 2.06 %
HDFC Bank Ltd's allocation decreased from 2.08 % to 2.06 %
Solar Industries India Ltd's allocation decreased from 1.29 % to 1.2 %
Solar Industries India Ltd's allocation decreased from 1.29 % to 1.2 %
ICICI Bank Ltd's allocation decreased from 1.22 % to 1.19 %
ICICI Bank Ltd's allocation decreased from 1.22 % to 1.19 %

Tata Retirement Savings Conservative Fund Overview

Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.

Expense ratio1.02%
Benchmark
CRISIL Short Term Debt Hyb 75+25 TR INR
AUM₹168 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹5,000/₹500
Exit Load
1.0%
Lock In5 Years
TurnOver
32.46%
Risk
Risk meter
pointer
Moderately High risk

About Tata Retirement Savings Conservative Fund

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

Key Parameters

  1. Tata Retirement Savings Conservative Fund has ₹168 Cr worth of assets under management (AUM) as on Mar 2026 and is more than category average.
  2. The fund has an expense ratio 1.

Returns

Tata Retirement Savings Conservative Fund has given a CAGR return of 9.47% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 6.13%, 9.21% and 7.13% respectively.

Holdings

Tata Retirement Savings Conservative Fund has allocated its funds majorly in Government, Financial Services, Consumer Defensive, Cash Equivalent, Corporate, Consumer Cyclical, Energy, Industrial, Basic Materials, Tech, Utilities, Real Estate, 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 20%
For long term (more than 1 year) capital gains will be taxed at 12.5% without indexation benefit
Long term gains up to Rs 1 lakh are exempt from taxation (more than 12 months).

Investment objective of Tata Retirement Savings Conservative Fund

To provide a financial planning tool for long term financial security for investors based on their retirement planning goals.

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 of 5 Years

Fund Manager

Sonam Udasi

Fund Manager of Tata Retirement Savings Conservative Fund, since 1 April 2016

Murthy Nagarajan

Fund Manager of Tata Retirement Savings Conservative Fund, since 1 April 2017

Learn more about Tata Mutual Fund
Parameters
Feb'26
Jan'26
Dec'25
AUM
₹ 168.5 Cr
₹ 170.3 Cr
₹ 173 Cr
  • AUM of the fund stands at 168.5 Cr as of Feb'26
  • AUM decreased by 1.8 Cr between Feb'26 and Jan'26

Frequently Asked Questions for Tata Retirement Savings Conservative Fund

How do I invest in Tata Retirement Savings Conservative Fund?

INDmoney makes it simple to invest in the Tata Retirement Savings Conservative Fund. To do so, follow the steps below:
  • Download the INDmoney app.
  • Search for ‘Tata Retirement Savings Conservative Fund’.
  • Select whether you want to invest in SIP or lump sum.
  • Enter the amount you wish to invest.
  • Set up payments via bank mandate or UPI.

What is the current NAV of Tata Retirement Savings Conservative Fund?

The NAV of the fund today is ₹36.87. NAV or Net Asset Value is the per unit price of a mutual fund. For example, if the NAV of a fund is ₹10, it means you can get 1000 units of that mutual fund at ₹10,000.

What is the return on the fund?

Tata Retirement Savings Conservative Fund fund has generated a return of 6.13% in 1 year, 9.21% in 3 years, 7.13% in 5 years.

Who is the fund manager of Tata Retirement Savings Conservative Fund?

The fund managers are Sonam Udasi, Murthy Nagarajan.

What is the exit load of the fund?

The exit load is 1% if redeemed in 0-61 Months. Exit load is a fee levied for ‘exiting’ the fund earlier than a stipulated period, usually 1 year.

What is the expense ratio of the fund?

The expense ratio is 1.02%. The Expense Ratio is a fee charged for managing the fund. This includes commissions, administrative costs etc.

What is the AUM of the fund?

The AUM of the fund is ₹168 Cr. AUM stands for Assets Under Management. It refers to the total assets managed by the fund.

What are the top holdings of Tata Retirement Savings Conservative Fund?

The top 3 holdings of the fund are 6.79% Gs 2034(20.94%), 7.17% Gs 2030(9.2%), 7.38% Gs 2027(9.11%)