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

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Retirement Fund

Fund House : Tata Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 31.9696 0.18%
(as on 03rd November, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 173.68 Cr

(0.55% of Investment in Category)

Expense Ratio

: 2.17%

(2.1% Category average)

Risk-O-Meter

High Risk

Retirement Fund :Retirement Fund : The fund has 28.67% investment in domestic equities of which 8.01% is in Large Cap stocks, 4.86% is in Mid Cap stocks, 6.74% in Small Cap stocks.The fund has 64.35% investment in Debt, of which 52.83% in Government securities, 11.52% is in Low Risk securities.

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This Scheme

VS

CRISIL Short Term Debt Hybrid 75+25 Index

1.59%

2.12%

4.45%

7.73%

11.04%

9.82%

8.64%
NA
2.46%

2.04%

5.47%

5.24%

14.18%

13.02%

11.28%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

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Annualised Returns

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Returns (NAV as on 31st October, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	24-Oct-25	9975.30	-0.25%	-	-0.01%	29/33
1 Month	30-Sep-25	10134.50	1.34%	-	2.46%	28/34
3 Month	31-Jul-25	10080.50	0.80%	-	2.04%	29/34
6 Month	30-Apr-25	10311.60	3.12%	-	5.47%	26/34
YTD	01-Jan-25	10314.40	3.14%	-	5.24%	29/34
1 Year	31-Oct-24	10386.80	3.87%	3.87%	5.24%	24/34
2 Year	31-Oct-23	11916.00	19.16%	9.15%	14.18%	29/32
3 Year	31-Oct-22	12749.30	27.49%	8.43%	12.53%	29/31
5 Year	29-Oct-20	14347.70	43.48%	7.47%	13.02%	22/26
10 Year	30-Oct-15	21193.90	111.94%	7.79%	10.18%	11/12
Since Inception	01-Nov-11	31911.40	219.11%	8.64%	11.28%	26/35

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 31st October, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	31-Oct-24	12000	12360.14	3 %	5.58 %
2 Year	31-Oct-23	24000	25584.23	6.6 %	6.26 %
3 Year	31-Oct-22	36000	40507.05	12.52 %	7.79 %
5 Year	29-Oct-20	60000	72210.13	20.35 %	7.33 %
10 Year	30-Oct-15	120000	176375.94	46.98 %	7.47 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Please check with your Tax Advisor.

Portfolio (Updated on 30th Sep,2025)

Equity Holding : 28.67% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 28.67%

No of Stocks : 46 (Category Avg - 53.59) | Large Cap Investments : 8.01%| Mid Cap Investments : 4.86% | Small Cap Investments : 6.74% | Other : 9.06%

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
HDFC Bank Ltd.	Private sector bank	34.2	1.97%	0.01%	2.31% (Apr 2025)	1.96% (Aug 2025)	36.00 k
Eternal Ltd.	E-retail/ e-commerce	23.7	1.37%	0.06%	1.37% (Sep 2025)	0.85% (Mar 2025)	72.90 k
Reliance Industries Ltd.	Refineries & marketing	23.3	1.34%	0.01%	1.43% (Jun 2025)	0.77% (Dec 2024)	17.10 k
Solar Industries India Ltd.	Explosives	22.7	1.31%	-0.03%	1.47% (Jun 2025)	0.82% (Oct 2024)	1.70 k
ITC Limited	Diversified fmcg	22.1	1.27%	-0.02%	1.54% (Oct 2024)	1.27% (Sep 2025)	55.00 k
Tata Consultancy Services Ltd.	Computers - software & consulting	18.2	1.05%	-0.06%	1.49% (Jan 2025)	0.81% (Oct 2024)	6.30 k
Radico Khaitan Ltd.	Breweries & distilleries	17.3	1.00%	0.02%	1.01% (Sep 2025)	0.73% (Feb 2025)	6.00 k
Doms Industries Ltd.	Stationary	14.9	0.86%	0.03%	1% (Mar 2025)	0.79% (Jun 2025)	6.00 k
BSE Ltd.	Exchange and data platform	14.7	0.85%	-0.01%	1.31% (May 2025)	0.68% (Mar 2025)	7.20 k
Nippon Life India Asset Management Ltd.	Asset management company	14.2	0.82%	0.09%	0.82% (Sep 2025)	0.3% (Jan 2025)	16.38 k

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

No of Debt Holding 9 (Category Avg - 8.55) | Modified Duration 3.87 Years (Category Avg - 5.49)| Yield to Maturity 6.52% (Category Avg - 6.70%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	52.83%	23.75%
T-Bills	0.00%	0.00%
NCD & Bonds	8.63%	9.04%
PTC	2.89%	0.34%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	52.83%	23.76%
Low Risk	11.52%	9.39%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
Repo	Repo	5.03%
Net Receivables	Net Receivables	1.95%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 31st October, 2025)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

4.07vs7.77

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

1.09vs0.99

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.61vs0.81

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.02vs0.07

Category Avg
Jensen's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Poor risk adjusted returns

-1.64vs0.48

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
ICICI Prudential Retirement Fund - Pure Equity Plan - Regular Plan - Growth	NA	1410.05	5.02	4.93	15.40	12.30	24.10
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan - Regular Plan - Growth	NA	937.42	3.51	4.24	12.69	9.97	20.36
ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Regular Plan - Growth	NA	83.12	1.24	2.13	5.50	7.96	10.81
Aditya Birla Sun Life Retirement Fund - The 40s Plan - Growth	NA	113.45	4.23	3.34	7.33	7.81	13.61
ICICI Prudential Retirement Fund - Pure Debt Plan - Regular Plan - Growth	NA	98.13	0.37	0.58	1.58	6.13	6.44
Aditya Birla Sun Life Retirement Fund - The 50s Plan - Growth	NA	26.37	1.56	1.82	3.88	5.93	8.54
Aditya Birla Sun Life Retirement Fund - The 30s Plan - Growth	NA	410.53	3.72	3.47	11.95	5.73	15.09
Baroda BNP Paribas Retirement Fund - Regular Plan - Growth	NA	376.30	3.82	3.23	6.98	5.57	0.00
Bandhan Retirement Fund - Regular Plan - Growth	NA	182.16	2.36	2.34	4.88	5.52	0.00
Franklin India Retirement Fund - Growth	NA	513.48	1.78	1.00	3.59	5.41	10.47

Detailed Comparison

More Funds from Tata Mutual Fund

Out of 84 mutual fund schemes offered by this AMC, 1 is/are ranked 5 * , 3 is/are ranked 4 * , 10 is/are ranked 3 * , 7 is/are ranked 2 * , 5 is/are ranked 1 * , and 58 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Tata Money Market Fund - Regular Plan - Growth	3	38807.85	0.50	1.45	3.35	7.61	7.57
Tata Liquid Fund -Regular Plan - Growth	2	21302.11	0.48	1.42	3.00	6.70	6.97
Tata Arbitrage Fund - Growth	5	19149.57	0.47	1.22	2.72	6.41	6.96
Tata Small Cap Fund - Regular Plan - Growth	3	11637.30	-0.27	-4.02	9.40	-9.47	19.58
Tata Digital India Fund - Growth	NA	11202.89	5.39	2.30	5.44	-7.00	13.74
Tata Digital India Fund - Growth	NA	11202.89	6.89	1.91	1.47	-9.48	9.78
Tata Balanced Advantage Fund - Growth	NA	9748.60	2.89	2.21	4.89	4.40	10.92
Tata Value Fund - Regular Plan - Growth	2	8529.97	4.22	3.31	7.97	-0.53	19.27
Tata Large & Mid Cap Fund - Regular Plan - Growth	1	8510.23	3.93	0.32	5.18	-0.35	13.93
Tata Mid Cap Fund - Regular Plan - Growth	3	5042.63	4.12	2.91	10.69	2.71	21.14