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.

1. Tata Retirement Savings Moderate Fund has ₹2094 Cr worth of assets under management (AUM) as on Jan 2026 and is more than category average.
2. The fund has an expense ratio 0.7.
   

Tata Retirement Savings Moderate Fund has given a CAGR return of 15.12% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 9.11%, 16.11% and 12.28% respectively.

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

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).

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

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