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

  • Regular
  • Direct
Category : Retirement Fund
Fund House : Tata Mutual Fund
  • NAV
    : ₹ 49.7873 0.48%
    (as on 16th September, 2021)
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Crisil Rank

Not Ranked

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

Fund has 81.8% investment in indian stocks of which 43.17% is in large cap stocks, 18.8% is in mid cap stocks, 4.98% in small cap stocks.Fund has 16.72% investment in Debt of which 5.5% in Government securities, 10.77% in funds invested in very low risk securities..

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Returns (NAV as on 16th September, 2021)

Period Invested for ₹10000 Invested on Latest Value Absolute Returns Annualised Returns Category Avg Rank within Category
1 Week 09-Sep-21 10123.20 1.23% - 1.03% 11/25
1 Month 16-Aug-21 10607.80 6.08% - 4.14% 7/25
3 Month 16-Jun-21 11074.70 10.75% - 7.73% 9/25
6 Month 16-Mar-21 11802.90 18.03% - 13.55% 7/25
YTD 01-Jan-21 12238.00 22.38% - 17.51% 7/21
1 Year 16-Sep-20 13744.10 37.44% 37.44% 31.11% 9/21
2 Year 16-Sep-19 15893.60 58.94% 26.03% 18.27% 5/18
3 Year 14-Sep-18 15232.00 52.32% 15.01% 13.04% 4/10
5 Year 16-Sep-16 20697.70 106.98% 15.65% 12.54% 4/10
Since Inception 04-Jan-13 41059.00 310.59% 17.62% 15.25% 10/25

SIP Returns (NAV as on 16th September, 2021)

Period Invested for ₹1000 SIP Started on Investments Latest Value Absolute Returns Annualised Returns
1 Year 16-Sep-20 12000 14504.95 20.87 % 40.63 %
2 Year 16-Sep-19 24000 32960.64 37.34 % 33.76 %
3 Year 14-Sep-18 36000 51906.86 44.19 % 25.22 %
5 Year 16-Sep-16 60000 94036.47 56.73 % 18 %
 

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 31st Aug,2021)

Portfolio Turnover Ratio : 77.86%  |   Category average turnover ratio is 47.28%  
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 : 81.80% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 81.80%
No of Stocks : 49 (Category Avg - 34.04) | Large Cap Investments : 43.17%| Mid Cap Investments : 18.8% | Small Cap Investments : 4.98% | Other : 14.85%

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 1006.7 6.40% 0.00% 7.06% (Dec 2020) 4.36% (Sep 2020) 14.00 L 0.00
Reliance Industries Ltd. Refineries/marketing 815.2 5.18% 0.26% 8.51% (Sep 2020) 4.92% (Jul 2021) 3.61 L 0.00
HDFC Bank Ltd. Banks 758.3 4.82% 1.42% 7.37% (Nov 2020) 3.4% (Jul 2021) 4.80 L 1.24 L
Tata Consultancy Services Ltd. Computers - software 624.8 3.97% 0.47% 3.97% (Aug 2021) 1.65% (Nov 2020) 1.65 L 0.00
Infosys Ltd. Computers - software 588.7 3.74% 0.02% 4.01% (Dec 2020) 3.24% (Feb 2021) 3.45 L 0.00
SBI Cards and Payment Services Ltd. Nbfc 417.4 2.65% 0.11% 2.68% (May 2021) 0.43% (Sep 2020) 3.66 L 0.00
HCL Technologies Limited Computers - software 407.9 2.59% 0.22% 3.04% (Oct 2020) 2.26% (Apr 2021) 3.45 L 0.00
ITC Limited Cigarettes 398.5 2.53% -0.06% 3.03% (Mar 2021) 1.84% (Oct 2020) 18.86 L 0.00
Axis Bank Ltd. Banks 381.5 2.43% 0.13% 2.88% (Feb 2021) 0% (Sep 2020) 4.85 L 0.00
Radico Khaitan Ltd. Brew/distilleries 295.7 1.88% -0.17% 2.05% (Jul 2021) 1.03% (Sep 2020) 3.38 L 0.00
- indicates change in weight in the portfolio. # indicates a new entry.
No of Debt Holding 22 (Category Avg - 10.32) | Modified Duration 2.50 Years (Category Avg - 3.49)| Yield to Maturity - -- (Category Avg - 5.50%)

Type of Holdings

Security Type
% Weight
Category Average
GOI 5.50% 24.34%
CP 3.37% 0.81%
NCD & Bonds 7.85% 14.55%

Investment / Portfolio Grades

Security Type
% Weight
Category Average
Government Backed 5.50% 24.34%
Low Risk 10.77% 15.14%
Moderate Risk 0.00% 0.00%
High Risk 0.00% 0.00%
Very High Risk 0.45% 0.06%
Others 0.00% 0.00%
Name Type of Instrument Weight (%)
Repo Repo 0.70%
Powergrid Infrastructure Investment Trust InvITs 0.66%
Net Receivables Net Receivables 0.07%

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 31st August, 2021)

  • Standard Deviation

    High volatility
    16.26vs8.13
    Category Avg
  • Beta

    High volatility
    1.15vs0.51
    Category Avg
  • Sharpe Ratio

    Poor risk adjusted returns
    0.53vs0.57
    Category Avg
  • Treynor's Ratio

    Poor risk adjusted returns
    0.07vs0.23
    Category Avg
  • Jension's Alpha

    Poor risk adjusted returns
    -3.67vs0.04
    Category Avg

More Funds from Tata Mutual Fund

Out of 51 mutual fund schemes offered by this AMC, 1 is/are ranked 5 * , 8 is/are ranked 3 * , 4 is/are ranked 2 * , 8 is/are ranked 1 * , and 30 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 1 12146.80 0.27 0.85 1.70 3.29 5.22
Tata Arbitrage Fund - Direct Plan - Growth 5 11989.61 0.39 1.25 2.86 5.00 0.00
Tata Money Market Fund - Direct Plan - Growth 3 7139.27 0.38 1.09 2.32 4.36 4.30
Tata Equity PE Fund - Direct Plan - Growth 1 5021.15 6.64 12.08 19.21 48.24 13.26
Tata Hybrid Equity Fund - Direct Plan - Growth 1 3467.39 4.26 10.13 17.47 46.70 14.71
Tata Balanced Advantage Fund - Direct Plan - Growth NA 3308.85 3.20 6.82 11.38 29.67 0.00
Tata Short Term Bond Fund - Direct Plan - Growth 1 2983.02 0.56 1.49 3.51 5.57 7.01
Tata India Tax Savings Fund - Direct Plan - Growth 2 2887.97 6.55 12.67 18.28 54.46 17.92
Tata Treasury Advantage Fund - Direct Plan - Growth 2 2783.36 0.39 1.16 2.54 4.66 5.15
Tata Digital India Fund - Direct Plan - Growth NA 2767.97 10.81 27.77 43.61 102.17 35.86

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