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

  • Regular
  • Direct
Category : Retirement Fund
Fund House : Tata Mutual Fund
  • NAV
    : ₹ 43.4582 -0.79%
    (as on 03rd December, 2021)
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Crisil Rank

Not Ranked

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

Fund has 95.18% investment in indian stocks of which 49.95% is in large cap stocks, 19.23% is in mid cap stocks, 8.67% in small cap stocks.

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Returns (NAV as on 03rd December, 2021)

Period Invested for ₹10000 Invested on Latest Value Absolute Returns Annualised Returns Category Avg Rank within Category
1 Week 26-Nov-21 10108.60 1.09% - 0.34% 1/27
1 Month 03-Nov-21 9784.70 -2.15% - -0.67% 23/27
3 Month 03-Sep-21 9876.10 -1.24% - 1.45% 27/27
6 Month 03-Jun-21 11044.30 10.44% - 8.14% 8/27
YTD 01-Jan-21 12133.80 21.34% - 15.95% 6/23
1 Year 03-Dec-20 12861.50 28.61% 28.61% 20.27% 6/23
2 Year 03-Dec-19 14023.90 40.24% 18.40% 14.09% 5/20
3 Year 03-Dec-18 15680.10 56.80% 16.16% 12.71% 3/12
5 Year 02-Dec-16 21969.60 119.70% 17.03% 11.55% 2/12
10 Year 02-Dec-11 42526.40 325.26% 15.56% 12.01% 2/7
Since Inception 01-Nov-11 43458.20 334.58% 15.66% 13.34% 10/29

SIP Returns (NAV as on 03rd December, 2021)

Period Invested for ₹1000 SIP Started on Investments Latest Value Absolute Returns Annualised Returns
1 Year 03-Dec-20 12000 13347.49 11.23 % 21.4 %
2 Year 03-Dec-19 24000 31362.45 30.68 % 28.03 %
3 Year 03-Dec-18 36000 49637.32 37.88 % 21.98 %
5 Year 02-Dec-16 60000 89377.72 48.96 % 15.93 %
10 Year 02-Dec-11 120000 275608.25 129.67 % 15.86 %
 

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 Oct,2021)

Portfolio Turnover Ratio : 55.73%  |   Category average turnover ratio is 51.61%  
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 : 95.18% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 95.18%
No of Stocks : 51 (Category Avg - 37.56) | Large Cap Investments : 49.95%| Mid Cap Investments : 19.23% | Small Cap Investments : 8.67% | Other : 17.33%

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 1018.6 8.33% 0.82% 8.34% (Jan 2021) 7.45% (Aug 2021) 12.70 L -0.44 L
HDFC Bank Ltd. Banks 769.3 6.29% -0.03% 8.51% (Nov 2020) 4.02% (Jul 2021) 4.86 L 0.00
Reliance Industries Ltd. Refineries/marketing 720.3 5.89% -0.56% 7.75% (Feb 2021) 5.78% (Jul 2021) 2.84 L -0.30 L
Tata Consultancy Services Ltd. Computers - software 489.3 4.00% -0.43% 4.56% (Aug 2021) 1.93% (Nov 2020) 1.44 L 0.00
Infosys Ltd. Computers - software 477 3.90% -0.01% 4.67% (Dec 2020) 3.81% (Feb 2021) 2.86 L 0.00
ITC Limited Cigarettes 408.5 3.34% 0.05% 3.57% (Jan 2021) 2.2% (Nov 2020) 18.30 L 1.20 L
HCL Technologies Limited Computers - software 347.7 2.84% -0.33% 3.19% (Nov 2020) 2.71% (Apr 2021) 3.04 L 0.00
SBI Cards and Payment Services Ltd. Nbfc 332.4 2.72% 0.07% 3.1% (May 2021) 1.5% (Dec 2020) 3.15 L 0.00
Radico Khaitan Ltd. Brew/distilleries 323.5 2.64% 0.56% 2.64% (Oct 2021) 1.12% (Dec 2020) 2.89 L 0.00
Axis Bank Ltd. Banks 312.4 2.55% -0.08% 3.35% (Feb 2021) 0% (Nov 2020) 4.21 L 0.00
- indicates change in weight in the portfolio. # indicates a new entry.
Name Type of Instrument Weight (%)
Repo Repo 4.72%
Net Receivables Net Receivables 0.10%

Risk Ratios

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

  • Standard Deviation

    High volatility
    15.49vs6.67
    Category Avg
  • Beta

    High volatility
    0.81vs0.43
    Category Avg
  • Sharpe Ratio

    Better risk adjusted returns
    0.85vs0.72
    Category Avg
  • Treynor's Ratio

    Poor risk adjusted returns
    0.16vs0.2
    Category Avg
  • Jension's Alpha

    Better risk adjusted returns
    1.72vs0.73
    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 126.72 5.95 12.07 29.76 54.66 0.00
HDFC Retirement Savings Fund - Equity Plan - Regular Plan- Growth NA 1973.02 -2.05 2.24 13.59 48.39 20.86
Nippon India Retirement Fund - Wealth Creation Scheme - Growth NA 2377.85 -3.11 1.10 14.61 39.33 11.42
HDFC Retirement Savings Fund - Hybrid- Equity Plan - Regular Plan- Growth NA 748.35 -0.64 1.11 8.50 32.14 16.50
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan - Regular Plan - Growth NA 131.41 -1.38 2.18 13.07 31.20 0.00
Axis Retirement Savings Fund - Dynamic Plan - Regular Plan - Growth NA 305.73 -2.76 1.37 11.40 26.53 0.00
Tata Retirement Savings Fund - Regular Plan - Moderate Plan - Growth NA 1608.29 -1.68 -0.38 9.54 25.12 14.54
Axis Retirement Savings Fund - Aggressive Plan - Regular Plan - Growth NA 669.38 -2.23 -1.02 8.92 23.38 0.00
UTI Retirement Benefit Pension Fund NA 3621.92 -1.36 2.08 7.66 21.07 9.81
Aditya Birla Sun Life Retirement Fund - The 30s Plan - Growth NA 232.14 -2.38 -0.78 4.76 19.84 0.00

More Funds from Tata Mutual Fund

Out of 51 mutual fund schemes offered by this AMC, 1 is/are ranked 5 * , 1 is/are ranked 4 * , 9 is/are ranked 3 * , 5 is/are ranked 2 * , 8 is/are ranked 1 * , and 27 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 11980.05 0.27 0.74 1.79 3.99 0.00
Tata Liquid Fund -Regular Plan - Growth 2 8688.23 0.30 0.79 1.63 3.18 4.79
Tata Money Market Fund - Regular Plan - Growth 3 7126.33 0.34 0.81 1.88 3.91 6.30
Tata Equity PE Fund - Regular Plan - Growth 1 5167.63 -2.57 2.49 12.76 32.37 15.09
Tata Balanced Advantage Fund - Growth NA 3848.69 -1.19 0.43 6.48 19.20 0.00
Tata Digital India Fund - Growth NA 3842.31 1.43 6.28 37.43 82.39 39.38
Tata Digital India Fund - Growth NA 3842.31 1.91 3.38 34.23 64.26 37.20
Tata Short Term Bond Fund - Regular Plan - Growth 1 3439.10 0.39 0.40 1.64 2.90 7.35
Tata Hybrid Equity Fund - Regular Plan - Growth 1 3427.55 -3.06 -0.80 9.24 28.79 13.53
Tata India Tax Savings Fund - Regular Plan - Growth 1 2998.08 -4.07 1.26 11.35 35.11 17.98

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