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Tata Retirement Savings Fund - Regular Plan - Moderate Plan - Growth

  • Regular
  • Direct
Category : Retirement Fund
Fund House : Tata Mutual Fund
  • NAV
    : ₹ 44.8346 -1.14%
    (as on 20th October, 2021)
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Crisil Rank

Not Ranked

Rank not available for the fund
Risk-O-Meter
Very High

Fund has 82.04% investment in indian stocks of which 43.27% is in large cap stocks, 18.71% is in mid cap stocks, 6.91% in small cap stocks.Fund has 14.33% investment in Debt of which 4.11% in Government securities, 10.22% in funds invested in very low risk securities..

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Returns (NAV as on 20th October, 2021)

Period Invested for ₹10000 Invested on Latest Value Absolute Returns Annualised Returns Category Avg Rank within Category
1 Week 13-Oct-21 9927.30 -0.73% - -0.30% 22/27
1 Month 20-Sep-21 10266.90 2.67% - 1.89% 8/27
3 Month 20-Jul-21 11146.20 11.46% - 7.48% 7/27
6 Month 20-Apr-21 12218.50 22.18% - 15.58% 8/27
YTD 01-Jan-21 12299.20 22.99% - 17.33% 7/23
1 Year 20-Oct-20 13626.80 36.27% 36.27% 29.62% 9/23
2 Year 18-Oct-19 14610.60 46.11% 20.78% 15.76% 6/20
3 Year 19-Oct-18 16455.80 64.56% 18.03% 14.85% 4/12
5 Year 20-Oct-16 19164.80 91.65% 13.89% 11.13% 4/12
Since Inception 01-Nov-11 44834.60 348.35% 16.23% 13.94% 11/29

SIP Returns (NAV as on 20th October, 2021)

Period Invested for ₹1000 SIP Started on Investments Latest Value Absolute Returns Annualised Returns
1 Year 20-Oct-20 12000 14329.51 19.41 % 37.78 %
2 Year 18-Oct-19 24000 32367.65 34.87 % 31.66 %
3 Year 19-Oct-18 36000 50901.53 41.39 % 23.81 %
5 Year 20-Oct-16 60000 90929.29 51.55 % 16.63 %
 

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 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 15%. Any cess/surcharge is not included in the 15%.

Portfolio (Updated on 30th Sep,2021)

Portfolio Turnover Ratio : 72.04%  |   Category average turnover ratio is 65.07%  
Fund manager updated portfolio more frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for shorter duration than peers)
Equity Holding : 82.04% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 82.04%
No of Stocks : 49 (Category Avg - 34.68) | Large Cap Investments : 43.27%| Mid Cap Investments : 18.71% | Small Cap Investments : 6.91% | Other : 13.15%

Top 10 Stocks in Portfolio

How to read this table?
Stock Invested in Sector Value(Mn) % of Total Holdings 1M Change 1Y Highest Holding 1Y Lowest Holding Quantity 1M Change in Qty
ICICI Bank Ltd. Banks 1023.2 6.37% -0.03% 7.06% (Dec 2020) 5.52% (Oct 2020) 14.60 L 60.00 k
Reliance Industries Ltd. Refineries/marketing 879.2 5.47% 0.29% 7.03% (Oct 2020) 4.92% (Jul 2021) 3.49 L -0.12 L
HDFC Bank Ltd. Banks 860.7 5.36% 0.54% 7.37% (Nov 2020) 3.4% (Jul 2021) 5.40 L 60.16 k
Tata Consultancy Services Ltd. Computers - software 623 3.88% -0.09% 3.97% (Aug 2021) 1.65% (Nov 2020) 1.65 L 0.00
Infosys Ltd. Computers - software 532.7 3.32% -0.42% 4.01% (Dec 2020) 3.24% (Feb 2021) 3.18 L -0.27 L
ITC Limited Cigarettes 445.4 2.77% 0.24% 3.03% (Mar 2021) 1.84% (Oct 2020) 18.86 L 0.00
HCL Technologies Limited Computers - software 441.4 2.75% 0.16% 3.04% (Oct 2020) 2.26% (Apr 2021) 3.45 L 0.00
SBI Cards and Payment Services Ltd. Nbfc 376.8 2.35% -0.30% 2.68% (May 2021) 0.82% (Oct 2020) 3.66 L 0.00
Axis Bank Ltd. Banks 371.8 2.31% -0.12% 2.88% (Feb 2021) 0% (Oct 2020) 4.85 L 0.00
Polycab India Limited Cables - electricals 313.9 1.95% 0.16% 1.95% (Sep 2021) 0% (Oct 2020) 1.31 L -5.00 k
- indicates change in weight in the portfolio. # indicates a new entry.
No of Debt Holding 22 (Category Avg - 10.20) | Modified Duration 2.50 Years (Category Avg - 3.39)| Yield to Maturity - -- (Category Avg - 5.46%)

Type of Holdings

Security Type
% Weight
Category Average
GOI 4.11% 22.30%
CP 3.31% 0.79%
NCD & Bonds 6.91% 15.28%

Investment / Portfolio Grades

Security Type
% Weight
Category Average
Government Backed 4.11% 22.30%
Low Risk 10.22% 16.00%
Moderate Risk 0.00% 0.00%
High Risk 0.00% 0.00%
Very High Risk 0.00% 0.00%
Others 0.00% 0.00%
Name Type of Instrument Weight (%)
Repo Repo 1.82%
Net Receivables Net Receivables 1.17%
Powergrid Infrastructure Investment Trust InvITs 0.64%

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 30th September, 2021)

  • Standard Deviation

    High volatility
    16.11vs8.05
    Category Avg
  • Beta

    High volatility
    1.15vs0.51
    Category Avg
  • Sharpe Ratio

    Better risk adjusted returns
    0.8vs0.68
    Category Avg
  • Treynor's Ratio

    Poor risk adjusted returns
    0.11vs0.26
    Category Avg
  • Jension's Alpha

    Poor risk adjusted returns
    -2.47vs-0.11
    Category Avg

Alternative Funds (Category Peers)

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
HDFC Retirement Savings Fund - Equity Plan - Regular Plan- Growth NA 1921.51 4.37 10.53 34.43 70.71 24.10
ICICI Prudential Retirement Fund - Pure Equity Plan - Regular Plan - Growth NA 124.56 4.48 16.25 31.32 63.62 0.00
Nippon India Retirement Fund - Wealth Creation Scheme - Growth NA 2366.39 5.38 15.82 30.55 59.51 14.46
HDFC Retirement Savings Fund - Hybrid- Equity Plan - Regular Plan- Growth NA 731.92 2.21 7.26 20.93 45.43 18.77
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan - Regular Plan - Growth NA 126.23 2.51 12.73 20.93 44.88 0.00
Axis Retirement Savings Fund - Dynamic Plan - Regular Plan - Growth NA 300.23 2.06 11.12 22.57 44.33 0.00
Axis Retirement Savings Fund - Aggressive Plan - Regular Plan - Growth NA 673.82 1.59 9.22 20.43 42.47 0.00
Tata Retirement Savings Fund - Regular Plan - Progressive Plan - Growth NA 1226.01 2.81 13.16 25.58 42.04 20.50
Aditya Birla Sun Life Retirement Fund - The 30s Plan - Growth NA 231.41 1.18 6.19 14.43 32.58 0.00
UTI Retirement Benefit Pension Fund NA 3619.53 3.37 7.66 15.48 30.36 10.99

More Funds from Tata Mutual Fund

Out of 55 mutual fund schemes offered by this AMC, 1 is/are ranked 5 * , 1 is/are ranked 4 * , 7 is/are ranked 3 * , 7 is/are ranked 2 * , 8 is/are ranked 1 * , and 31 schemes are not ranked. See more about AMC

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
Tata Arbitrage Fund - Growth 5 11972.49 -0.09 0.62 1.72 3.75 0.00
Tata Liquid Fund -Regular Plan - Growth 1 9286.37 0.25 0.79 1.59 3.13 4.97
Tata Money Market Fund - Regular Plan - Growth 3 6944.83 0.23 0.90 1.93 3.93 4.36
Tata Equity PE Fund - Regular Plan - Growth 1 5100.96 5.50 16.70 29.24 48.73 18.62
Tata Balanced Advantage Fund - Growth NA 3610.15 1.84 6.56 12.89 27.47 0.00
Tata Overnight Fund - Regular Plan - Growth NA 3580.07 0.25 0.75 1.53 3.01 0.00
Tata Digital India Fund - Growth NA 3468.96 5.74 26.32 50.26 88.60 40.17
Tata Hybrid Equity Fund - Regular Plan - Growth 1 3450.95 3.04 11.75 23.71 45.13 17.00
Tata Short Term Bond Fund - Regular Plan - Growth 1 3182.45 -0.19 0.68 2.11 3.21 6.44
Tata India Tax Savings Fund - Regular Plan - Growth 2 2952.63 5.70 15.94 28.09 55.77 22.48

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