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

  • Regular
  • Direct
Category : Retirement Fund
Fund House : Tata Mutual Fund
  • NAV
    : ₹ 35.2229 1.77%
    (as on 25th September, 2020)
Crisil Rank

Not Ranked

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

Fund has 82.25% investment in indian stocks of which 44.94% is in large cap stocks, 25.94% is in mid cap stocks, 4.49% in small cap stocks.Fund has 14.25% investment in Debt of which 6.58% in Government securities, 7.67% in funds invested in very low risk securities..

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Returns (NAV as on 25th September, 2020)

Period Invested for ₹10000 Invested on Latest Value Absolute Returns Annualised Returns Category Avg Rank within Category
1 Week 18-Sep-20 9741.70 -2.58% - -2.09% 14/24
1 Month 25-Aug-20 9979.80 -0.20% - -1.66% 6/24
3 Month 25-Jun-20 10893.50 8.94% - 4.35% 3/24
6 Month 25-Mar-20 13122.60 31.23% - 19.68% 5/24
YTD 01-Jan-20 10144.30 1.44% - -0.01% 10/24
1 Year 25-Sep-19 10692.40 6.92% 6.90% 3.61% 8/21
2 Year 25-Sep-18 11441.70 14.42% 6.96% 3.87% 5/13
3 Year 25-Sep-17 11786.40 17.86% 5.63% 3.66% 5/13
5 Year 24-Sep-15 16826.10 68.26% 10.95% 8.10% 2/7
Since Inception 04-Jan-13 29047.90 190.48% 14.79% 7.05% 1/23

SIP Returns (NAV as on 25th September, 2020)

Period Invested for ₹1000 SIP Started on Investments Latest Value Absolute Returns Annualised Returns
1 Year 25-Sep-19 12000 12946.71 7.89 % 14.86 %
2 Year 25-Sep-18 24000 26423.85 10.1 % 9.51 %
3 Year 25-Sep-17 36000 39745.39 10.4 % 6.52 %
5 Year 24-Sep-15 60000 76048.55 26.75 % 9.4 %
 

Tax Treatment

Portfolio (Updated on 31st Aug,2020)

Portfolio Turnover Ratio : 100.69%  |   Category average turnover ratio is 22.58%  
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 : 82.25% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 82.25%
No of Stocks : 43 (Category Avg - 35.92) | Large Cap Investments : 44.94%| Mid Cap Investments : 25.94% | Small Cap Investments : 4.49% | Other : 6.86%

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
Reliance Industries Ltd. Refineries/marketing 936.3 8.10% -0.06% 8.16% (Jul 2020) 3.11% (Jan 2020) 4.50 L 0.00
ICICI Bank Ltd. Banks 683.1 5.91% 0.22% 6.49% (Nov 2019) 5.11% (Mar 2020) 17.31 L -1.40 L
HDFC Bank Ltd. Banks 643.9 5.57% 0.14% 7.78% (Sep 2019) 5.44% (Jul 2020) 5.77 L -0.23 L
Dr. Reddys Laboratories Ltd. Pharmaceuticals 405.2 3.51% -0.26% 3.77% (Jul 2020) 0% (Sep 2019) 95.00 k 0.00
Hindustan Unilever Ltd. Diversified 395.5 3.42% -0.20% 3.62% (Jul 2020) 1.76% (Dec 2019) 1.87 L 0.00
Infosys Ltd. Computers - software 331.5 2.87% 0.58% 2.87% (Aug 2020) 0% (Sep 2019) 3.57 L 87.00 k
Kotak Mahindra Bank Ltd. Banks 305.5 2.64% -0.53% 4.29% (Sep 2019) 2.64% (Aug 2020) 2.18 L -0.47 L
HCL Technologies Limited Computers - software 298.6 2.58% -0.08% 2.66% (Jul 2020) 0% (Sep 2019) 4.30 L 0.00
Bharti Airtel Ltd. Telecom - services 266.8 2.31% -0.22% 6.28% (Jun 2020) 0% (Sep 2019) 5.20 L 0.00
ITC Limited Cigarettes 253.2 2.19% -0.07% 5.21% (Sep 2019) 2.19% (Aug 2020) 13.25 L 0.00
- indicates change in weight in the portfolio. # indicates a new entry.
No of Debt Holding 18 (Category Avg - 9.96) | Modified Duration 3.03 Years (Category Avg - 3.90)| Yield to Maturity 5.03% (Category Avg - 5.92%)

Type of Holdings

Security Type
% Weight
Category Average
GOI 6.58% 17.09%
CD 0.00% 0.24%
T-Bills 0.00% 0.26%
NCD & Bonds 7.67% 17.72%

Investment / Portfolio Grades

Security Type
% Weight
Category Average
Government Backed 6.58% 17.35%
Low Risk 7.67% 17.22%
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 2.66%
Net Receivables Net Receivables 0.84%

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 31st August, 2020)

  • Standard Deviation

    High volatility
    15.73vs6.14
    Category Avg
  • Beta

    High volatility
    1.17vs0.33
    Category Avg
  • Sharpe Ratio

    Better risk adjusted returns
    0.08vs0.01
    Category Avg
  • Jension's Alpha

    Poor risk adjusted returns
    -2.9vs-1.16
    Category Avg

More Funds from Tata Mutual Fund

Out of 58 mutual fund schemes offered by this AMC, 1 is/are ranked 5 * , 3 is/are ranked 4 * , 8 is/are ranked 3 * , 4 is/are ranked 2 * , 3 is/are ranked 1 * , and 39 schemes are not ranked. See more about AMC

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
Tata Liquid Fund - Direct Plan - Growth 4 18934.49 0.27 0.83 2.61 5.05 6.48
Tata Equity PE Fund - Direct Plan - Growth 3 4465.04 -1.65 8.62 39.08 -0.72 1.05
Tata Hybrid Equity Fund - Direct Plan - Growth 3 3302.29 -3.33 5.08 22.86 -3.15 1.94
Tata Short Term Bond Fund - Direct Plan - Growth 3 3078.35 0.45 1.58 8.72 10.65 6.46
Tata India Tax Savings Fund - Direct Plan - Growth 3 2075.30 -3.23 8.36 31.03 -3.17 3.21
Tata Arbitrage Fund - Direct Plan - Growth 5 2049.72 0.52 1.09 3.12 6.35 0.00
Tata Overnight Fund - Direct Plan - Growth NA 1960.83 0.26 0.77 1.48 3.91 0.00
Tata Multicap Fund - Direct Plan - Growth NA 1694.77 -0.44 10.12 33.88 3.49 0.00
Tata Large & Mid Cap Fund - Direct Plan - Appreciation 4 1646.63 -5.99 6.40 33.06 -1.53 4.53
Tata Focused Equity Fund - Direct Plan - Growth NA 1328.23 -4.19 8.65 32.30 0.00 0.00

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