Tata Retirement Savings Fund Conservative Plan Regular-growth
- 3 Months
- 6 Months
- 1 Year
- 3 Years
- 5 Years
- RSI
Fund Overview
-
₹177.5 CrAUM
-
₹31.49NAV
-
2.17%Expense Ratio
-
HybridFund Category
Returns of Tata Retirement Savings Fund Conservative Plan Regular-growth
| Tenure | Absolute(%) | Annualised(%) | Category Average(%) |
|---|---|---|---|
| 3 Months | 0.25% | NA | 0.55% |
| 6 Months | 7.03% | NA | 5.55% |
| 1 Year | 2.53% | 2.53% | 5.63% |
| 3 Years | 27.02% | 8.30% | 10.07% |
| 5 Years | 43.88% | 7.55% | 10.06% |
| 7 Years | 65.40% | 7.45% | NA |
| 10 Years | 113.83% | 7.90% | 8.75% |
Asset Allocation
equities
28.06%debt instruments
63.49%other assets or cash equivalents
8.45%Tata Retirement Savings Fund Conservative Plan Regular-growth is one Hybrid mutual fund offered by Tata Mutual Fund. Launched on 01 Nov 2011, the fund aims Long Term Capital Appreciation &
Current Income. A predominantly debt oriented savings
scheme which provides tool for retirement
planning to individual investors. It manages assets worth ₹177.5 crore as on Thu Jul 31, 2025. , with a 52-week NAV range between ₹29.57 and ₹31.95. The expense ratio stands at 2.17%. Fund Manager Manager Education Fund Manager Manager Education
The portfolio allocation consists of 28.06% in equities, 63.49% in debt instruments, 8.45% in other assets or cash equivalents. Managed by Sonam Udasi, it has delivered a return of 2.53% in the last year, a total return since inception of 8.69%.
-
Standard Deviation4.38%
-
Sharpe Ratio0.30%
-
Alpha-1.27%
-
Beta1.04%
Fund Details
-
Fund NamesTata Retirement Savings Fund Conservative Plan Regular-growth
-
Inception Date01 Nov 2011
-
Lock In1825
-
SIP Minimum Investment amount₹ 150
-
SWP Minimum Investment amount₹ 500
-
STP Minimum Investment amount₹ 500
-
RiskPrincipal at moderately high risk
-
Category Average Annual Returns5.63
-
52 Weeks High31.95
-
52 Weeks Low29.57
Top Performing Mutual Funds
| Fund Names | AUM (Cr) | 1M | 3M | 1Yr | 3Yr | 5Yr |
|---|---|---|---|---|---|---|
Uti Dynamic Bond Fund Direct-flexi Idcw  |
₹481.67 Cr | 1.13% | 0.44% | 6.68% | 7.89% | 9.23% |
| Uti Low Duration Fund Regular Plan-bonus |
₹3,211.14 Cr | 0.52% | 1.50% | 7.79% | 7.45% | 7.08% |
| Aditya Birla Sun Life Corporate Bond Fund Direct-discipline Advantage Plan |
₹28,596.86 Cr | 0.86% | 0.99% | 7.66% | 8.06% | 6.68% |
| Uti Money Market Fund Direct-flexi Idcw |
₹20,553.67 Cr | 0.47% | 1.53% | 7.91% | 7.67% | 6.22% |
| Nippon India Gilt Fund Direct-automatic Annual Reinvest Option |
₹2,056.83 Cr | 1.68% | -0.15% | 4.21% | 7.72% | 5.93% |
| Nippon India Gilt Fund Direct Defined Maturity Date-growth |
₹2,056.83 Cr | 1.68% | -0.15% | 4.21% | 7.72% | 5.93% |
| Uti Liquid Direct-flexi Idcw |
₹29,013.49 Cr | 0.47% | 1.44% | 6.91% | 7.09% | 5.73% |
| Sbi Magnum Ultra Short Duration Fund Regular ( Automatic Reinvestment) |
₹15,902.29 Cr | 0.48% | 1.48% | 7.27% | 7.15% | 5.72% |
| Uti Liquid Regular Plan-flexi Idcw |
₹29,013.49 Cr | 0.46% | 1.42% | 6.82% | 7.00% | 5.64% |
| Nippon India Gilt Pf Fund -automatic Annual Reinvest Option |
₹2,056.83 Cr | 1.62% | -0.35% | 3.40% | 6.86% | 5.02% |
growth is based on 1-month returns of the funds & Top fund are based on 3Y Returns
More funds from Tata Mutual Fund
| Fund Names | AUM (Cr) | 1M | 3M | 6M | 1Yr | 3Yr |
|---|---|---|---|---|---|---|
|
Tata Money Market Fund Regular-growth
|
₹41,235 Cr | 0.45% | 1.50% | 3.85% | 7.75% | 7.54% |
Tata Balanced Advantage Fund Regular - Growth
|
₹10,031 Cr | -0.16% | -1.45% | 3.87% | -2.08% | 11.03% |
|
Tata Multicap Fund Direct - Growth
|
₹3,124 Cr | 0.18% | -1.69% | 10.49% | -8.52% | - |
|
Tata Retirement Savings Fund Moderate Plan Regular-growth
|
₹2,150 Cr | -1.21% | -4.62% | 7.17% | -5.02% | 14.12% |
|
Tata Retirement Savings Fund Progressive Plan Regular-growth
|
₹2,085 Cr | -1.78% | -6.19% | 7.40% | -8.58% | 14.87% |
|
Tata Bse Select Business Groups Index Fund Direct - Growth
|
₹203 Cr | 0.89% | -2.72% | 7.08% | - | - |
|
Tata Bse Select Business Groups Index Fund Regular - Growth
|
₹203 Cr | 0.82% | -2.91% | 6.66% | - | - |
|
Tata Nifty G-sec Dec 2029 Index Fund Direct - Growth
|
₹162 Cr | 1.26% | 1.37% | 4.67% | 8.72% | - |
|
Tata Bse Quality Index Fund Direct - Growth
|
₹47 Cr | -0.18% | -3.40% | - | - | - |
|
Tata Bse Quality Index Fund Regular - Growth
|
₹47 Cr | -0.24% | -3.58% | - | - | - |
growth is based on 1-month returns of the fundsMutual Fund Calculator
- 1
- 2
- 3
- 4
- 6
- 7
- 8
- 9
- 11
- 12
- 13
- 14
- 16
- 17
- 18
- 19
- 21
- 22
- 23
- 24
- 26
- 27
- 28
- 29
- 31
- 32
- 33
- 34
- 36
- 37
- 38
- 39
- 40
- 1
- 2
- 3
- 4
- 6
- 7
- 8
- 9
- 11
- 12
- 13
- 14
- 16
- 17
- 18
- 19
- 21
- 22
- 23
- 24
- 26
- 27
- 28
- 30
- 1
- 2
- 3
- 4
- 6
- 7
- 8
- 9
- 11
- 12
- 13
- 14
- 16
- 17
- 18
- 19
- 21
- 22
- 23
- 24
- 26
- 27
- 28
- 29
- 31
- 32
- 33
- 34
- 36
- 37
- 38
- 39
- 40
- 1
- 2
- 3
- 4
- 6
- 7
- 8
- 9
- 11
- 12
- 13
- 14
- 16
- 17
- 18
- 19
- 21
- 22
- 23
- 24
- 26
- 27
- 28
- 30
Tax Information
If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 12.5%, if your total long term capital gain exceeds 1.25 lakh. Any cess/surcharge is not included. If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 20%. Any cess/surcharge is not included in the 20%.
Top Mutual Funds
| Fund Names | AUM (Cr) | NAV | 3Yr | 5Yr | 10Yr |
|---|---|---|---|---|---|
| Uti Liquid Regular Plan-flexi Idcw |
₹29,013.49 Cr | ₹1,578.23 | 7.00% | 5.64% | 6.19% |
| Uti Liquid Direct-flexi Idcw |
₹29,013.49 Cr | ₹1,587.64 | 7.09% | 5.73% | 6.26% |
| Aditya Birla Sun Life Corporate Bond Fund Direct-discipline Advantage Plan |
₹28,596.86 Cr | ₹10.83 | 8.06% | 6.68% | 7.86% |
| Uti Money Market Fund Direct-flexi Idcw |
₹20,553.67 Cr | ₹1,626.97 | 7.67% | 6.22% | 6.87% |
| Sbi Magnum Ultra Short Duration Fund Regular ( Automatic Reinvestment) |
₹15,902.29 Cr | ₹1,264.64 | 7.15% | 5.72% | 6.55% |
| Uti Low Duration Fund Regular Plan-bonus |
₹3,211.14 Cr | ₹3,013.90 | 7.45% | 7.08% | 6.20% |
| Nippon India Gilt Fund Direct-automatic Annual Reinvest Option |
₹2,056.83 Cr | ₹23.13 | 7.72% | 5.93% | 8.46% |
| Nippon India Gilt Pf Fund -automatic Annual Reinvest Option |
₹2,056.83 Cr | ₹31.73 | 6.86% | 5.02% | 7.44% |
| Nippon India Gilt Fund Direct Defined Maturity Date-growth |
₹2,056.83 Cr | ₹42.86 | 7.72% | 5.93% | 8.46% |
| Uti Dynamic Bond Fund Direct-flexi Idcw |
₹481.67 Cr | ₹17.00 | 7.89% | 9.23% | 7.45% |
Detailed Portfolio
| Stocks | Sector | % of Holding | Value |
|---|---|---|---|
| Government Of India 35031 Goi 07ot34 6.79 Fv Rs 100 | Entities | 20.21% | ₹35.88 Cr |
| Goi Sec 7.17 17/04/2030 | Entities | 8.83% | ₹15.67 Cr |
| Government Of India 31719 Goi 20ju27 7.38 Fv Rs 100 | Entities | 8.70% | ₹15.44 Cr |
| Repo | Unspecified | 5.86% | ₹10.40 Cr |
| Goi Sec 7.36 12/09/2052 | Entities | 5.86% | ₹10.40 Cr |
| Central Government Loan 21563 Goi 08ap26 7.27 Fv Rs 100 | Entities | 5.69% | ₹10.11 Cr |
| Jamnagar Utilities & Power Private Limited Sr Ppd 6 6.40 Loa 29sp26 Fvrs10lac | Industrials | 5.62% | ₹9.98 Cr |
| Central Government Loan 07004 Goi 15fb27 8.24 Fv Rs 100 | Entities | 2.92% | ₹5.18 Cr |
| Bharti Telecom Limited Sr Xiv 8.6 Loa 12dc25 Fvrs10lac | Technology | 2.83% | ₹5.03 Cr |
| Central Government Loan 12006 Goi 24sp25 8.20 Fv Rs 100 | Entities | 2.83% | ₹5.02 Cr |
| Cash/net Current Assets | Unspecified | 2.59% | ₹4.59 Cr |
| Hdfc Bank Ltd | Financial | 2.05% | ₹3.63 Cr |
| Reliance Industries Ltd | Energy & Utilities | 1.34% | ₹2.38 Cr |
| Itc Ltd | Consumer Staples | 1.28% | ₹2.27 Cr |
| Zomato Ltd | Technology | 1.26% | ₹2.24 Cr |
| Solar Industries India Ltd | Materials | 1.20% | ₹2.13 Cr |
| Tata Consultancy Services Ltd | Technology | 1.08% | ₹1.91 Cr |
| Bse Ltd | Financial | 0.98% | ₹1.75 Cr |
| Radico Khaitan Ltd | Consumer Staples | 0.92% | ₹1.64 Cr |
| Doms Industries Ltd. | Industrials | 0.79% | ₹1.41 Cr |
| Bikaji Foods International Ltd | Consumer Staples | 0.76% | ₹1.35 Cr |
| Mahanagar Gas Ltd | Energy & Utilities | 0.76% | ₹1.34 Cr |
| Nippon Life India Asset Management Ltd | Financial | 0.75% | ₹1.33 Cr |
| Karur Vysya Bank Ltd | Financial | 0.69% | ₹1.23 Cr |
| Icici Bank Ltd | Financial | 0.67% | ₹1.19 Cr |
| Tata Consumer Products Ltd | Consumer Staples | 0.65% | ₹1.15 Cr |
| Dixon Technologies (india) Ltd | Consumer Discretionary | 0.63% | ₹1.11 Cr |
| Havells India Ltd | Consumer Discretionary | 0.61% | ₹1.08 Cr |
| Exide Industries Ltd | Consumer Discretionary | 0.60% | ₹1.07 Cr |
| Adani Ports And Special Economic Zone Ltd | Industrials | 0.58% | ₹1.03 Cr |
| Muthoot Finance Ltd | Financial | 0.57% | ₹1.02 Cr |
| Iifl Wealth Management Ltd | Financial | 0.57% | ₹1.01 Cr |
| Multi Commodity Exchange Of India Ltd | Financial | 0.55% | ₹0.97 Cr |
| Gail (india) Ltd | Energy & Utilities | 0.54% | ₹0.96 Cr |
| Polycab India Ltd | Industrials | 0.52% | ₹0.92 Cr |
| Hcl Technologies Ltd | Technology | 0.51% | ₹0.90 Cr |
| Bajaj Finserv Ltd | Financial | 0.49% | ₹0.88 Cr |
| Oil India Ltd | Energy & Utilities | 0.48% | ₹0.85 Cr |
| Metro Brands Ltd | Consumer Discretionary | 0.47% | ₹0.83 Cr |
| Astec Lifesciences Ltd | Materials | 0.45% | ₹0.79 Cr |
| Godrej Properties Ltd | Real Estate | 0.44% | ₹0.78 Cr |
| Trent Ltd | Consumer Discretionary | 0.44% | ₹0.77 Cr |
| Amber Enterprises India Ltd | Consumer Discretionary | 0.39% | ₹0.70 Cr |
| Uti Asset Management Company Ltd | Financial | 0.39% | ₹0.70 Cr |
| Hdfc Life Insurance Co Ltd | Financial | 0.38% | ₹0.68 Cr |
| Kirloskar Pneumatic Company Ltd | Industrials | 0.37% | ₹0.66 Cr |
| Zensar Technologies Ltd | Technology | 0.37% | ₹0.65 Cr |
| Titan Company Ltd | Consumer Discretionary | 0.34% | ₹0.60 Cr |
| Godrej Agrovet Ltd | Consumer Staples | 0.33% | ₹0.59 Cr |
| Hero Motocorp Ltd | Consumer Discretionary | 0.32% | ₹0.58 Cr |
| Manappuram Finance Ltd | Financial | 0.30% | ₹0.52 Cr |
| United Spirits Ltd | Consumer Staples | 0.27% | ₹0.48 Cr |
| Campus Activewear Ltd | Consumer Discretionary | 0.27% | ₹0.48 Cr |
| Godrej Industries Ltd | Diversified | 0.26% | ₹0.46 Cr |
| Nestle India Ltd | Consumer Staples | 0.22% | ₹0.39 Cr |
| Mastek Ltd | Technology | 0.22% | ₹0.39 Cr |
Top Hybrid Funds
| Fund Names | NAV | 3Yr | 5Yr | 52 weeks high |
|---|---|---|---|---|
| Sbi Magnum Children's Benefit Fund - Savings Plan Direct |
₹119.57 | 12.79% | 13.92% | 120.77 |
| Uti Conservative Hybrid Fund Direct-flexi Idcw |
₹50.15 | 10.60% | 11.50% | - |
| Kotak Debt Hybrid Fund Regular-growth |
₹58.34 | 10.28% | 10.85% | 58.90 |
| Uti Conservative Hybrid Fund Regular Plan-flexi Idcw |
₹45.20 | 9.92% | 10.83% | - |
| Nippon India Conservative Hybrid Fund Direct-growth |
₹64.87 | 9.96% | 9.85% | - |
| Nippon India Conservative Hybrid Fund-growth |
₹58.68 | 9.12% | 9.07% | - |
| Canara Robeco Conservative Hybrid Fund Regular-growth |
₹97.11 | 8.64% | 8.63% | - |
| Bandhan Asset Allocation Conservative Regular-growth |
₹33.64 | 8.96% | 7.94% | - |
| Tata Retirement Savings Fund Conservative Plan Regular-growth |
₹31.49 | 8.37% | 7.54% | 31.95 |
| Bandhan Conservative Hybrid Fund Regular-growth |
₹31.95 | 7.48% | 6.65% | - |
growth is based on 5Y returns of the funds
- 3 Months: 0.25%
- 6 Months: 7.03%
- 3 Years CAGR: 8.30%
- 5 Years CAGR: 7.55%
- Since Inception: 8.69%
- GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 – 20.21% of the fund's portfolio
- GOI Sec 7.17 17/04/2030 – 8.83% of the fund's portfolio
- GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100 – 8.70% of the fund's portfolio
- Repo – 5.86% of the fund's portfolio
- GOI Sec 7.36 12/09/2052 – 5.86% of the fund's portfolio
- Entities – 55.04% of the fund's portfolio
- Unspecified – 8.45% of the fund's portfolio
- Financial – 8.39% of the fund's portfolio
- Industrials – 7.88% of the fund's portfolio
- Technology – 6.27% of the fund's portfolio
Policybazaar does not endorse rates/returns or recommend any particular insurer, fund house, AMC (Asset Management Company), insurance and mutual fund product.
Please consult your financial advisor for an informed decision.
Past performance may not be indicative of future results.
The information presented on this page is not owned or generated by Policybazaar. The data has been collected from publicly available sources and online research. We do not claim any ownership or guarantee the accuracy, completeness, or timeliness of this information. It is shared solely for the informational purpose of the viewer and should not be considered as financial advice.
Policybazaar is not acting as a financial advisor, broker, or agent for any mutual fund mentioned here.
Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.
Policybazaar shall not be held responsible or liable for any losses, damages, or decisions made based on the information provided on this page.
For a complete list of mutual funds registered in India, please refer to the Securities and Exchange Board of India (SEBI) website at www.sebi.gov.in. We do not sell, endorse, or recommend any mutual fund or investment product. For a complete list of mutual funds registered in India, please refer to the Securities and Exchange Board of India (SEBI) website at www.sebi.gov.in. We do not sell, endorse, or recommend any mutual fund or investment product.
For more details on risk factors, terms, and conditions, please read the sales brochure and benefit illustration carefully before concluding a sale.
Policybazaar is a registered Insurance Broker | Registration No. 742, Registration Code No. IRDA/ DB 797/ 19, Valid till 09/06/2024, License category- Direct Broker (Life & General) |CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 |Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.©️ Copyright 2008-2025 policybazaar.com. All Rights Reserved
^Returns as on 10th Jan’25. Tata AIA Life Top 200 ULIP Fund has delivered 18% returns over the last 10 years. Past performance is not necessarily indicative of future results. This disclaimer is specifically regarding a ULIP fund and is not related to mutual funds. Source: Morningstar.
