Tata Retirement Savings Moderate Fund
Get the latest NAV of Tata Retirement Savings Moderate 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.
₹68.84
1D
NAV as on 30 Mar 2026
14.14%/per year
Since Inception
▲▼
265 people have invested ₹ 9.7L in Tata Retirement Savings Moderate Fund in the last three months
Tata Retirement Savings Moderate Fund Performance vs. Retirement Index
Fund returns vs Benchmark returns vs Category Average returns as on (30-Mar-26)
The fund has outperformed the benchmark (Retirement Index) over 3Y, 5Y, but underperformed over 1Y.
Peer comparison
Tata Retirement Savings Moderate Fund Returns Calculator
Calculate SIP and lumpsum returns based on historical performance
Total Investment
0
Profit
Total Corpus
0
Tata Retirement Savings Moderate Fund Asset Allocation
See fund asset allocation details as on (14-Mar-26)
Fund Distribution
as on (14-Mar-26)
Tata Retirement Savings Moderate Fund Sector Allocation
See fund sector allocation details as on (14-Mar-26)
Sector Allocation
Top 3 Sectors in February were Government, Financial Services & Corporate
Government
55%
Financial Services
40%
Corporate
17%
Government
57%
Financial Services
39%
Corporate
17%
Tata Retirement Savings Moderate Fund Holdings Details
as on (28-Feb-26)
Tata Retirement Savings Moderate Fund Overview
Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.
| Expense ratio | 0.7% |
Benchmark | CRISIL Hybrid 25+75-Aggressive TR INR |
| AUM | ₹2069 Cr |
| Inception Date | 1 January, 2013 |
| Min Lumpsum/SIP | ₹5,000/₹150 |
Exit Load | 1.0% |
| Lock In | 5 Years |
TurnOver | 47.13% |
| Risk |   Very High Risk |
About Tata Retirement Savings Moderate Fund
Tata Retirement Savings Moderate 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
- Tata Retirement Savings Moderate Fund has ₹2069 Cr worth of assets under management (AUM) as on Mar 2026 and is more than category average.
- The fund has an expense ratio 0.7.
Returns
Tata Retirement Savings Moderate Fund has given a CAGR return of 14.14% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of -2.02%, 13.29% and 10.40% respectively.
Holdings
Tata Retirement Savings Moderate Fund has allocated its funds majorly in Government, Financial Services, Cash Equivalent, Corporate, Consumer Defensive, Consumer Cyclical, Industrial, Energy, Basic Materials, Tech, Health, Real Estate, Utilities.
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 benefitLong term gains up to Rs 1 lakh are exempt from taxation (more than 12 months).
Investment objective of Tata Retirement Savings Moderate 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 150.00. There is a lock in period for Tata Retirement Savings Moderate Fund of 5 Years
Fund Manager
Sonam Udasi
Fund Manager of Tata Retirement Savings Moderate Fund, since 1 April 2016
Murthy Nagarajan
Fund Manager of Tata Retirement Savings Moderate Fund, since 1 April 2017
- AUM of the fund stands at 2.1K Cr as of Feb'26
- AUM decreased by 24.9 Cr between Feb'26 and Jan'26
Frequently Asked Questions for Tata Retirement Savings Moderate Fund
How do I invest in Tata Retirement Savings Moderate Fund?
- Download the INDmoney app.
- Search for ‘Tata Retirement Savings Moderate 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.