Tata Retirement Savings Fund Moderate Plan Regular-growth

  • 3 Months
  • 6 Months
  • 1 Year
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  • 5 Years
  • RSI
NAV: ₹63.67 as on Thu Sep 25, 2025
Fund NAV

Fund Overview

  • ₹2,150.3 Cr
    AUM
  • ₹63.67
    NAV
  • 2.00%
    Expense Ratio
  • Hybrid
    Fund Category
As on Thu Sep 25, 2025

Returns of Tata Retirement Savings Fund Moderate Plan Regular-growth

Tenure Absolute(%) Annualised(%) Category Average(%)
3 Months -0.19% NA 2.67%
6 Months 15.25% NA 10.68%
1 Year -0.80% -0.80% 2.84%
3 Years 49.37% 14.31% 16.22%
5 Years 99.24% 14.78% 18.30%
7 Years 114.18% 11.49% NA
10 Years 225.77% 12.54% 12.71%
As on Thu Sep 25, 2025

Asset Allocation

equities

79.42%

debt instruments

13.49%

other assets or cash equivalents

7.09%
Large Cap: 19.94%
Mid Cap: 35.59%
Small Cap: 6.76%
Other: 37.72%
Top Holdings
Government Of India 35031 Goi 07ot34 6.79 Fv Rs 100
5.96%
Hdfc Bank Ltd
5.70%
Cash/net Current Assets
5.57%
Reliance Industries Ltd
3.67%
Zomato Ltd
3.45%
Top Sectors
Financial
25.59%
Consumer Staples
12.40%
Entities
10.89%
Technology
9.80%
Consumer Discretionary
9.76%
Detailed Portfolio Analysis
As on Thu Sep 25, 2025
Invest Now

About Fund
Tata Retirement Savings Fund Moderate Plan Regular-growth

Tata Retirement Savings Fund Moderate 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. A predominantly equity oriented (between 65%-85%) savings scheme which provides tool for retirement planning to individual investors. It manages assets worth ₹2,150.3 crore as on Thu Jul 31, 2025. The expense ratio stands at 2%.
The portfolio allocation consists of 79.42% in equities, 13.49% in debt instruments, 7.09% in other assets or cash equivalents. Managed by Sonam Udasi, it has delivered a return of -0.80% in the last year, a total return since inception of 14.43%.

Read more
  • Murthy Nagarajan

    Fund Manager

  • Mr. Nagarajan is a M.Com, ICWA and PGPMS.

    Manager Education

  • Sonam Udasi

    Fund Manager

  • Mr. Udasi is a B.Com and also holds PGDM(Finance).

    Manager Education

Key Metrics of Tata Retirement Savings Fund Moderate Plan Regular-growth
  • Standard Deviation
    11.25%
  • Sharpe Ratio
    0.61%
  • Alpha
    0.53%
  • Beta
    0.93%

Fund Details

  • Fund Names
    Tata Retirement Savings Fund Moderate Plan Regular-growth
  • Inception Date
    01 Nov 2011
  • Lock In
    1825
  • SIP Minimum Investment amount
    ₹ 150
  • SWP Minimum Investment amount
    ₹ 500
  • STP Minimum Investment amount
    ₹ 500
  • Risk
    Principal at very high risk
  • Category Average Annual Returns
    2.84
More Details
Highest NAV in last 52 weeks & Lowest NAV in last 52 weeks

Top Performing Mutual Funds

Fund Names AUM (Cr) 1M 3M 1Yr 3Yr 5Yr
Uti Dynamic Bond Fund Direct-flexi Idcw trend ₹481.67 Cr 0.90% 0.45% 6.84% 7.88% 9.23%
Uti Low Duration Fund Regular Plan-bonus trend ₹3,211.14 Cr 0.48% 1.50% 7.80% 7.43% 7.08%
Aditya Birla Sun Life Corporate Bond Fund Direct-discipline Advantage Plan trend ₹28,596.86 Cr 0.68% 0.95% 7.73% 8.02% 6.67%
Uti Money Market Fund Direct-flexi Idcw trend ₹20,553.67 Cr 0.47% 1.54% 7.92% 7.66% 6.22%
Nippon India Gilt Fund Direct-automatic Annual Reinvest Option trend ₹2,056.83 Cr 1.38% -0.15% 4.39% 7.66% 5.93%
Nippon India Gilt Fund Direct Defined Maturity Date-growth trend ₹2,056.83 Cr 1.38% -0.15% 4.39% 7.66% 5.93%
Uti Liquid Direct-flexi Idcw trend ₹29,013.49 Cr 0.47% 1.44% 6.91% 7.09% 5.73%
Sbi Magnum Ultra Short Duration Fund Regular ( Automatic Reinvestment) trend ₹15,902.29 Cr 0.47% 1.49% 7.29% 7.13% 5.72%
Uti Liquid Regular Plan-flexi Idcw trend ₹29,013.49 Cr 0.46% 1.42% 6.83% 7.00% 5.63%
Nippon India Gilt Pf Fund -automatic Annual Reinvest Option trend ₹2,056.83 Cr 1.32% -0.35% 3.59% 6.80% 5.02%
View More
increase 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 increase ₹41,235 Cr 0.45% 1.51% 3.90% 7.77% 7.53%
Tata Balanced Advantage Fund Regular - Growth increase ₹10,031 Cr -0.39% -0.32% 4.13% -1.21% 10.86%
Tata Multicap Fund Direct - Growth increase ₹3,124 Cr -0.08% 0.25% 10.72% -7.28% -
Tata Retirement Savings Fund Progressive Plan Regular-growth increase ₹2,085 Cr -1.70% -4.16% 7.91% -7.26% 14.56%
Tata Bse Select Business Groups Index Fund Direct - Growth increase ₹203 Cr 0.11% -0.75% 7.31% - -
Tata Bse Select Business Groups Index Fund Regular - Growth increase ₹203 Cr 0.04% -0.96% 6.89% - -
Tata Nifty G-sec Dec 2029 Index Fund Direct - Growth increase ₹162 Cr 1.05% 1.33% 4.72% 8.78% -
Tata Bse Quality Index Fund Direct - Growth increase ₹47 Cr 0.42% -1.47% - - -
Tata Bse Quality Index Fund Regular - Growth increase ₹47 Cr 0.36% -1.65% - - -
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increase growth is based on 1-month returns of the funds

Mutual Fund Calculator

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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%.

More Details
You can also get Tax Free Maturity/ Returns? You can also get Tax Free Maturity/ Returns?

Top Mutual Funds

Fund Names AUM (Cr) NAV 3Yr 5Yr 10Yr
Uti Liquid Regular Plan-flexi Idcw trend ₹29,013.49 Cr ₹1,577.51 7.00% 5.63% 6.19%
Uti Liquid Direct-flexi Idcw trend ₹29,013.49 Cr ₹1,586.91 7.09% 5.73% 6.27%
Aditya Birla Sun Life Corporate Bond Fund Direct-discipline Advantage Plan trend ₹28,596.86 Cr ₹10.82 8.02% 6.67% 7.86%
Uti Money Market Fund Direct-flexi Idcw trend ₹20,553.67 Cr ₹1,626.77 7.66% 6.22% 6.88%
Sbi Magnum Ultra Short Duration Fund Regular ( Automatic Reinvestment) trend ₹15,902.29 Cr ₹1,265.89 7.13% 5.72% 6.55%
Uti Low Duration Fund Regular Plan-bonus trend ₹3,211.14 Cr ₹3,013.26 7.43% 7.08% 6.19%
Nippon India Gilt Fund Direct-automatic Annual Reinvest Option trend ₹2,056.83 Cr ₹23.13 7.66% 5.93% 8.46%
Nippon India Gilt Pf Fund -automatic Annual Reinvest Option trend ₹2,056.83 Cr ₹31.73 6.80% 5.02% 7.44%
Nippon India Gilt Fund Direct Defined Maturity Date-growth trend ₹2,056.83 Cr ₹42.85 7.66% 5.93% 8.46%
Uti Dynamic Bond Fund Direct-flexi Idcw trend ₹481.67 Cr ₹17.00 7.88% 9.23% 7.46%
View More
Top funds are based on Fund AUM

Detailed Portfolio

Stocks Sector % of Holding Value
Government Of India 35031 Goi 07ot34 6.79 Fv Rs 100Entities5.96%₹128.15 Cr
Hdfc Bank LtdFinancial5.70%₹122.50 Cr
Cash/net Current AssetsUnspecified5.57%₹119.87 Cr
Reliance Industries LtdEnergy & Utilities3.67%₹78.95 Cr
Zomato LtdTechnology3.45%₹74.24 Cr
Radico Khaitan LtdConsumer Staples3.39%₹72.87 Cr
Solar Industries India LtdMaterials3.38%₹72.74 Cr
Bse LtdFinancial3.35%₹72.09 Cr
Itc LtdConsumer Staples3.09%₹66.45 Cr
Tata Consultancy Services LtdTechnology2.99%₹64.23 Cr
Mahanagar Gas LtdEnergy & Utilities2.10%₹45.22 Cr
Nippon Life India Asset Management LtdFinancial2.01%₹43.14 Cr
Karur Vysya Bank LtdFinancial1.96%₹42.23 Cr
Icici Bank LtdFinancial1.88%₹40.44 Cr
Kirloskar Pneumatic Company LtdIndustrials1.87%₹40.23 Cr
Tata Consumer Products LtdConsumer Staples1.87%₹40.14 Cr
Polycab India LtdIndustrials1.71%₹36.83 Cr
Exide Industries LtdConsumer Discretionary1.66%₹35.62 Cr
Metro Brands LtdConsumer Discretionary1.63%₹35.10 Cr
Bikaji Foods International LtdConsumer Staples1.63%₹34.95 Cr
Muthoot Finance LtdFinancial1.62%₹34.74 Cr
Iifl Wealth Management LtdFinancial1.61%₹34.55 Cr
Multi Commodity Exchange Of India LtdFinancial1.58%₹33.93 Cr
Doms Industries Ltd.Industrials1.57%₹33.73 Cr
Godrej Properties LtdReal Estate1.53%₹32.88 Cr
RepoUnspecified1.52%₹32.76 Cr
Gail (india) LtdEnergy & Utilities1.52%₹32.62 Cr
Hcl Technologies LtdTechnology1.47%₹31.71 Cr
Dixon Technologies (india) LtdConsumer Discretionary1.47%₹31.66 Cr
Havells India LtdConsumer Discretionary1.44%₹31.06 Cr
Government Of India 31719 Goi 20ju27 7.38 Fv Rs 100Entities1.44%₹30.88 Cr
Central Government Loan 21563 Goi 08ap26 7.27 Fv Rs 100Entities1.41%₹30.33 Cr
Bajaj Finserv LtdFinancial1.40%₹30.19 Cr
Oil India LtdEnergy & Utilities1.39%₹29.94 Cr
Godrej Industries LtdDiversified1.29%₹27.65 Cr
Uti Asset Management Company LtdFinancial1.25%₹26.83 Cr
Adani Ports And Special Economic Zone LtdIndustrials1.23%₹26.39 Cr
Hdfc Bank Limited Sr Us002 7.80 Ncd 03my33 Fvrs1lacFinancial1.20%₹25.90 Cr
Hdfc Life Insurance Co LtdFinancial1.18%₹25.38 Cr
Trent LtdConsumer Discretionary1.13%₹24.39 Cr
Jupiter Wagons LtdIndustrials1.08%₹23.16 Cr
Godrej Agrovet LtdConsumer Staples0.99%₹21.35 Cr
Sunteck Realty LtdReal Estate0.96%₹20.60 Cr
Goi Sec 6.79 26/12/2029Entities0.96%₹20.57 Cr
Zensar Technologies LtdTechnology0.94%₹20.32 Cr
Manappuram Finance LtdFinancial0.85%₹18.22 Cr
Titan Company LtdConsumer Discretionary0.84%₹18.08 Cr
Pricol LtdConsumer Discretionary0.81%₹17.40 Cr
Campus Activewear LtdConsumer Discretionary0.78%₹16.84 Cr
United Spirits LtdConsumer Staples0.77%₹16.62 Cr
Mastek LtdTechnology0.72%₹15.43 Cr
Jamnagar Utilities & Power Private Limited Sr Ppd 6 6.40 Loa 29sp26 Fvrs10lacIndustrials0.70%₹14.97 Cr
Nestle India LtdConsumer Staples0.66%₹14.09 Cr
Central Government Loan 30581 Goi 12jl31 6.1 Fv Rs 100Entities0.54%₹11.55 Cr
Goi Sec 7.36 12/09/2052Entities0.48%₹10.40 Cr
Nhpc Limited Aa Series Strpp D 7.13 Loa 09fb29 Fvrs2lacEnergy & Utilities0.24%₹5.08 Cr
Bharti Telecom Limited Sr Xiv 8.6 Loa 12dc25 Fvrs10lacTechnology0.23%₹5.03 Cr
Nhpc Limited Aa Series Strpp A 7.13 Loa 11fb26 Fvrs2lacEnergy & Utilities0.23%₹5.02 Cr
Central Government Loan 21176 Goi 14jn29 7.26 Fv Rs 100Entities0.10%₹2.08 Cr
View More

Top Hybrid Funds

Fund Names NAV 3Yr 5Yr 52 weeks high
Kotak Aggressive Hybrid Fund Direct-growth increase ₹74.15 17.07% 21.36% -
Nippon India Aggressive Hybrid Fund Direct-growth increase ₹119.03 16.89% 20.77% -
Nippon India Aggressive Hybrid Fund -growth increase ₹105.44 15.95% 19.81% -
Bandhan Aggressive Hybrid Fund Direct-growth increase ₹29.66 17.00% 19.75% -
Hdfc Children's Fund Regular Plan increase ₹291.27 15.02% 18.58% 299.86
Bandhan Aggressive Hybrid Fund Regular-growth increase ₹26.19 15.49% 18.21% -
Hdfc Hybrid Equity Fund Regular-growth increase ₹117.93 12.95% 18.08% 120.72
Mirae Asset Aggressive Hybrid Fund Direct-growth increase ₹37.73 15.18% 18.06% -
Mirae Asset Aggressive Hybrid Fund Regular-growth increase ₹32.26 13.64% 16.45% -
Tata Retirement Savings Fund Moderate Plan Regular-growth increase ₹63.67 13.86% 14.96% -
View More
increase growth is based on 5Y returns of the funds

Frequently Asked Questions
Tata Retirement Savings Fund Moderate Plan Regular-growth
As of Thu Jul 31, 2025, Tata Retirement Savings Fund Moderate Plan Regular-growth manages assets worth ₹2,150.3 crore
  • 3 Months: -0.19%
  • 6 Months: 15.25%
  • 3 Years CAGR: 14.31%
  • 5 Years CAGR: 14.78%
  • Since Inception: 14.43%
Equity: 79.42%, Debt: 13.49%, Others: 7.09%.
Tata Retirement Savings Fund Moderate Plan Regular-growth is managed by Sonam Udasi from Tata Mutual Fund.
Large Cap: 19.94%, Mid Cap: 35.59%, Small Cap: 6.76%.
  • GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 – 5.96% of the fund's portfolio
  • HDFC Bank Ltd – 5.70% of the fund's portfolio
  • Cash/Net Current Assets – 5.57% of the fund's portfolio
  • Reliance Industries Ltd – 3.67% of the fund's portfolio
  • Zomato Ltd – 3.45% of the fund's portfolio
  • Financial – 25.59% of the fund's portfolio
  • Consumer Staples – 12.40% of the fund's portfolio
  • Entities – 10.89% of the fund's portfolio
  • Technology – 9.80% of the fund's portfolio
  • Consumer Discretionary – 9.76% of the fund's portfolio
View more FAQ's

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Past performance may not be indicative of future results.

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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.

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