Tata Retirement Savings Fund - Direct Plan - Conservative Plan - Growth Portfolio | Tata Mutual Fund Portfolio

Equity Holding : 28.39% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 28.39%

No of Stocks : 45 (Category Avg - 54.28) | Large Cap Investments : 8.22%| Mid Cap Investments : 4.52% | Small Cap Investments : 6.83% | Other : 8.82%

Portfolio Summary (as on 31st Aug,2025)

Particulars	This Scheme	Category
No. of Stocks	45	57.74
Top 5 Stock Weight	7.23%	18.2%
Top 10 Stock Weight	11.82%	28.11%
Top 3 Sector Weight	6.93%	20.97%

Category - Retirement Fund

Particulars	This Scheme	Category
Average mcap (Cr)	29492.78	79994.37
Holdings in large cap stocks	8.22%	30.81%
Holdings in mid cap stocks	4.52%	8.98%
Holdings in small cap stocks	6.83%	9.69%

Category - Retirement Fund

Top 10 Stocks holding in Portfolio (as on 31st Aug,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
HDFC Bank Ltd.	Private sector bank	34.3	1.96%	-0.09%	2.31% (Apr 2025)	1.96% (Aug 2025)	36.00 k	18.00 k
Solar Industries India Ltd.	Explosives	23.5	1.34%	0.14%	1.47% (Jun 2025)	0.82% (Feb 2025)	1.70 k	200.00
Reliance Industries Ltd.	Refineries & marketing	23.2	1.33%	-0.01%	1.43% (Jun 2025)	0.77% (Dec 2024)	17.10 k	0.00
Eternal Ltd.	E-retail/ e-commerce	22.9	1.31%	0.05%	1.31% (Aug 2025)	0.85% (Jan 2025)	72.90 k	0.00
ITC Limited	Diversified fmcg	22.5	1.29%	0.01%	1.6% (Sep 2024)	1.27% (Jun 2025)	55.00 k	0.00
Tata Consultancy Services Ltd.	Computers - software & consulting	19.4	1.11%	0.03%	1.49% (Jan 2025)	0.81% (Oct 2024)	6.30 k	0.00
Radico Khaitan Ltd.	Breweries & distilleries	17.1	0.98%	0.06%	0.98% (Aug 2025)	0.69% (Sep 2024)	6.00 k	0.00
BSE Ltd.	Exchange and data platform	15.1	0.86%	-0.12%	1.31% (May 2025)	0.68% (Mar 2025)	7.20 k	0.00
Doms Industries Ltd.	Stationary	14.6	0.83%	0.04%	1% (Nov 2024)	0.79% (Jul 2025)	6.00 k	0.00
Bikaji Foods International Ltd.	Packaged foods	14.2	0.81%	0.05%	0.93% (Sep 2024)	0.62% (Feb 2025)	18.00 k	0.00

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

View complete holding

Complete equity Portfolio (as on 31st Aug,2025)

None
Sector
M-Cap

Help me understand this table

Stock Invested in	Sector	Sector Total	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty	M-Cap	GroupName
HDFC Bank Ltd.	Private sector bank	3.29	34.3	1.96%	-0.09%	2.31% (Apr 2025)	1.96% (Aug 2025)	36.00 k	18.00 k	Other	8.82
Solar Industries India Ltd.	Explosives	1.34	23.5	1.34%	0.14%	1.47% (Jun 2025)	0.82% (Feb 2025)	1.70 k	200.00	Small Cap	6.83
Reliance Industries Ltd.	Refineries & marketing	1.33	23.2	1.33%	-0.01%	1.43% (Jun 2025)	0.77% (Dec 2024)	17.10 k	0.00	Large Cap	8.22
Eternal Ltd.	E-retail/ e-commerce	1.31	22.9	1.31%	0.05%	1.31% (Aug 2025)	0.85% (Jan 2025)	72.90 k	0.00	Other	8.82
ITC Limited	Diversified fmcg	1.29	22.5	1.29%	0.01%	1.6% (Sep 2024)	1.27% (Jun 2025)	55.00 k	0.00	Large Cap	8.22
Tata Consultancy Services Ltd.	Computers - software & consulting	2.2	19.4	1.11%	0.03%	1.49% (Jan 2025)	0.81% (Oct 2024)	6.30 k	0.00	Large Cap	8.22
Radico Khaitan Ltd.	Breweries & distilleries	1.29	17.1	0.98%	0.06%	0.98% (Aug 2025)	0.69% (Sep 2024)	6.00 k	0.00	Small Cap	6.83
BSE Ltd.	Exchange and data platform	1.44	15.1	0.86%	-0.12%	1.31% (May 2025)	0.68% (Mar 2025)	7.20 k	0.00	Small Cap	6.83
Doms Industries Ltd.	Stationary	0.83	14.6	0.83%	0.04%	1% (Nov 2024)	0.79% (Jul 2025)	6.00 k	0.00	Other	8.82
Bikaji Foods International Ltd.	Packaged foods	1.04	14.2	0.81%	0.05%	0.93% (Sep 2024)	0.62% (Feb 2025)	18.00 k	0.00	Other	8.82
Nippon Life India Asset Management Ltd.	Asset management company	1.12	12.9	0.73%	-0.02%	0.77% (Jul 2025)	0.3% (Jan 2025)	16.38 k	0.00	Mid Cap	4.52
Mahanagar Gas Ltd.	Lpg/cng/png/lng supplier	0.71	12.4	0.71%	-0.05%	0.93% (Oct 2024)	0.61% (Nov 2024)	9.90 k	0.00	Small Cap	6.83
- Karur Vysya Bank Ltd	Private sector bank	3.29	12	0.69%	0.00%	0.71% (Jul 2025)	0.52% (Mar 2025)	56.16 k	9.36 k	Small Cap	6.83
- Tata Consumer Products Ltd.	Tea & coffee	0.65	11.4	0.65%	0.00%	0.72% (Apr 2025)	0.47% (Feb 2025)	10.71 k	0.00	Mid Cap	4.52
ICICI Bank Ltd.	Private sector bank	3.29	11.2	0.64%	-0.03%	0.67% (Jul 2025)	0.57% (Feb 2025)	8.00 k	0.00	Large Cap	8.22
Exide Industries Ltd.	Auto components & equipments	0.63	11.1	0.63%	0.03%	0.63% (Aug 2025)	0.36% (Dec 2024)	27.90 k	0.00	Mid Cap	4.52
- Dixon Technologies (India) Ltd.	Consumer electronics	1.26	11	0.63%	0.00%	0.74% (Dec 2024)	0.51% (Mar 2025)	660.00	0.00	Other	8.82
Havells India Ltd.	Consumer electronics	1.26	11	0.63%	0.02%	0.67% (Apr 2025)	0% (Sep 2024)	7.20 k	0.00	Large Cap	8.22
Bajaj Finserv Ltd	Holding company	0.59	10.3	0.59%	0.10%	0.59% (Aug 2025)	0.43% (Mar 2025)	5.40 k	900.00	Other	8.82
Muthoot Finance Pvt. Ltd.	Non banking financial company (nbfc)	0.9	10.3	0.59%	0.02%	0.61% (Aug 2025)	0.37% (Nov 2024)	3.90 k	0.00	Mid Cap	4.52
Multi Commodity Exchange Of India Ltd.	Exchange and data platform	1.44	10.2	0.58%	0.03%	0.64% (Aug 2025)	0% (Sep 2024)	1.39 k	126.00	Small Cap	6.83
Adani Ports And Special Economic Zone Ltd.	Port & port services	0.56	9.9	0.56%	-0.02%	0.73% (May 2025)	0.5% (Feb 2025)	7.50 k	0.00	Large Cap	8.22
360 ONE WAM Ltd.	Other financial services	0.56	9.8	0.56%	-0.01%	0.64% (Jun 2025)	0.27% (Mar 2025)	9.63 k	0.00	Other	8.82
Polycab India Limited	Cables - electricals	0.55	9.6	0.55%	0.03%	0.55% (Aug 2025)	0.32% (Feb 2025)	1.35 k	0.00	Other	8.82
GAIL (India) Ltd.	Gas transmission/marketing	0.53	9.4	0.53%	-0.01%	0.59% (Apr 2025)	0% (Sep 2024)	54.00 k	0.00	Large Cap	8.22
Titan Company Ltd.	Gems, jewellery and watches	0.52	9.1	0.52%	0.18%	0.52% (Aug 2025)	0% (Sep 2024)	2.52 k	720.00	Large Cap	8.22
- HCL Technologies Limited	Computers - software & consulting	2.2	8.9	0.51%	0.00%	0.59% (Jun 2025)	0.31% (Oct 2024)	6.12 k	0.00	Large Cap	8.22
Trent Limited	Speciality retail	0.49	8.6	0.49%	0.05%	0.53% (Jun 2025)	0.31% (Feb 2025)	1.62 k	80.00	Mid Cap	4.52
Astec Lifesciences Ltd.	Pesticides & agrochemicals	0.44	7.6	0.44%	-0.01%	0.45% (Jul 2025)	0.16% (Mar 2025)	8.74 k	0.00	Small Cap	6.83
Metro Brands Ltd.	Footwear	0.7	7.6	0.43%	-0.04%	0.48% (Sep 2024)	0.39% (Mar 2025)	6.66 k	0.00	Other	8.82
Oil India Ltd.	Oil exploration & production	0.43	7.6	0.43%	-0.05%	0.63% (Sep 2024)	0.39% (Feb 2025)	19.41 k	0.00	Mid Cap	4.52
Godrej Properties Ltd.	Residential, commercial projects	0.41	7.2	0.41%	-0.03%	0.44% (Jul 2025)	0% (Sep 2024)	3.70 k	0.00	Mid Cap	4.52
HDFC Life Insurance Company Ltd.	Life insurance	0.4	7	0.40%	0.02%	0.52% (Oct 2024)	0.38% (May 2025)	9.00 k	0.00	Large Cap	8.22
Hero Motocorp Ltd.	2/3 wheelers	0.39	6.9	0.39%	0.07%	0.39% (Aug 2025)	0.21% (Mar 2025)	1.35 k	0.00	Large Cap	8.22
- UTI Asset Management Co. Pvt. Ltd.	Asset management company	1.12	6.8	0.39%	0.00%	0.42% (Jul 2025)	0.29% (Feb 2025)	5.24 k	0.00	Other	8.82
Zensar Technologies Ltd.	Computers - software & consulting	2.2	6.2	0.36%	-0.01%	0.39% (Jun 2025)	0.28% (Mar 2025)	8.10 k	0.00	Small Cap	6.83
Kirloskar Pneumatic Co. Ltd.	Compressors, pumps & diesel engines	0.35	6.1	0.35%	-0.02%	0.51% (Nov 2024)	0.3% (Feb 2025)	5.00 k	0.00	Small Cap	6.83
United Spirits Ltd.	Breweries & distilleries	1.29	5.4	0.31%	0.04%	0.34% (Dec 2024)	0.27% (Feb 2025)	4.14 k	540.00	Large Cap	8.22
Manappuram Finance Ltd.	Non banking financial company (nbfc)	0.9	5.4	0.31%	0.01%	0.31% (Aug 2025)	0% (Sep 2024)	20.70 k	0.00	Mid Cap	4.52
Godrej Agrovet Ltd.	Animal feed	0.58	5.2	0.30%	-0.03%	0.33% (Jul 2025)	0.29% (Oct 2024)	7.00 k	0.00	Small Cap	6.83
Godrej Industries Ltd	Animal feed	0.58	4.9	0.28%	0.02%	0.29% (Jun 2025)	0.19% (Feb 2025)	4.00 k	0.00	Mid Cap	4.52
- Campus Activewear Ltd.	Footwear	0.7	4.8	0.27%	0.00%	0.34% (Sep 2024)	0.24% (Mar 2025)	18.00 k	0.00	Other	8.82
# Rainbow Childrens Medicare Ltd.	Hospital	0.26	4.5	0.26%	0.26%	0.26% (Aug 2025)	0% (Sep 2024)	3.00 k	3.00 k	Other	8.82
Nestle India Ltd.	Packaged foods	1.04	4.1	0.23%	0.01%	0.53% (Sep 2024)	0.22% (Jul 2025)	3.50 k	1.75 k	Other	8.82
- Mastek Ltd.	Computers - software & consulting	2.2	3.9	0.22%	0.00%	0.33% (Nov 2024)	0.22% (Apr 2025)	1.60 k	0.00	Small Cap	6.83
Amber Enterprises India Ltd.	Household appliances		7	0.00%	-0.39%	-	-	-	-	Small Cap	6.83

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

New Stocks added in Portfolio (in 1 month period ending 31st Aug,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
# Rainbow Childrens Medicare Ltd.	Hospital	4.5	0.26%	0.26%	0.26% (Aug 2025)	0% (Sep 2024)	3.00 k	3000

Stocks removed from Portfolio (in 1 month period ending 31st Aug,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
Amber Enterprises India Ltd.	Household appliances	7	0.00%	-0.39%	0.42% (Dec 2024)	0.26% (Sep 2024)	0.00	-880

Trend in stock holdings (Top 15 Holding)

Stock	Aug 2025	Jul 2025	Jun 2025	May 2025	Apr 2025	Mar 2025	Feb 2025	Jan 2025	Dec 2024	Nov 2024	Oct 2024	Sep 2024	Aug 2024
HDFC Bank Ltd.	1.96%	2.05%	2.31%	2.27%	2.31%	2.20%	2.13%	2.03%	2.11%	2.14%	2.07%	2.02%	1.93%
ITC Limited	1.29%	1.28%	1.27%	1.30%	1.35%	1.31%	1.29%	1.42%	1.53%	1.50%	1.54%	1.60%	1.57%
Eternal Ltd.	1.31%	1.26%	1.07%	0.98%	1.96%	1.70%	-	-	-	-	-	-	-
Zomato Ltd.	-	-	-	-	-	-	0.96%	0.85%	1.06%	1.07%	0.92%	1.02%	0.94%
Tata Consultancy Services Ltd.	1.11%	1.08%	1.21%	1.23%	1.26%	1.32%	1.30%	1.49%	1.35%	1.41%	0.81%	0.85%	0.85%
Reliance Industries Ltd.	1.33%	1.34%	1.43%	1.37%	1.39%	1.13%	0.83%	0.85%	0.77%	0.81%	0.84%	0.91%	1.50%
Solar Industries India Ltd.	1.34%	1.20%	1.47%	1.36%	1.21%	1.04%	0.82%	0.93%	0.87%	0.94%	0.82%	0.91%	0.85%
BSE Ltd.	0.86%	0.98%	1.11%	1.31%	1.06%	0.92%	0.80%	0.89%	1.04%	0.91%	1.02%	0.83%	0.64%
Doms Industries Ltd.	0.83%	0.79%	0.84%	0.83%	0.95%	1.00%	0.83%	0.83%	0.87%	1.00%	0.93%	0.88%	0.86%
Radico Khaitan Ltd.	0.98%	0.92%	0.87%	0.86%	0.85%	0.85%	0.74%	0.75%	0.90%	0.84%	0.82%	0.69%	0.72%
Bikaji Foods International Ltd.	0.81%	0.76%	0.74%	0.78%	0.73%	0.69%	0.68%	0.72%	0.80%	0.83%	0.88%	0.93%	0.85%
Mahanagar Gas Ltd.	0.71%	0.76%	0.82%	0.74%	0.77%	0.80%	0.66%	0.72%	0.66%	0.61%	0.74%	0.69%	0.64%
ICICI Bank Ltd.	0.64%	0.67%	0.64%	0.65%	0.66%	0.63%	0.57%	0.61%	0.62%	0.63%	0.63%	0.61%	0.59%
Karur Vysya Bank Ltd	0.69%	0.69%	0.70%	0.58%	0.59%	0.57%	0.56%	0.64%	0.63%	0.68%	0.65%	0.55%	0.58%
Adani Ports And Special Economic Zone Ltd.	0.56%	0.58%	0.69%	0.73%	0.63%	0.62%	0.51%	0.51%	0.56%	0.55%	0.63%	0.65%	0.67%

No of Debt Holding 10 (Category Avg - 8.31) | Modified Duration 4.00 Years (Category Avg - 5.44)| Yield to Maturity 6.45% (Category Avg - 6.72%)

Portfolio Summary (as on 31st Aug,2025)

Security Type	% Weight	Category Average
GOI	57.91%	23.58%
T-Bills	0.00%	0.00%
NCD & Bonds	8.56%	9.01%
PTC	0.00%	0.20%

Category - Retirement Fund

Security Type	% Weight	Category Average
Government Backed	57.91%	23.59%
Low Risk	8.56%	9.21%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Retirement Fund

Debt holding in Portfolio (as on 31st Aug,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			352.67	20.14%	35.00 L
Bond - Govt of India	GOI	Other			154.90	8.84%	15.00 L
Bond - Govt of India	GOI	Other			153.86	8.79%	15.00 L
Bond - Govt of India	GOI	Other			100.96	5.77%	10.00 L
Bond - Govt of India	GOI	Other			100.94	5.76%	10.00 L
Bond - Jamnagar Utilities & Power Pvt. Ltd.	NCD & Bonds	Power generation	AAA	CRISIL	99.68	5.69%	100.00
Bond - Govt of India	GOI	Other			51.61	2.95%	5.00 L
Bond - Bharti Telecom Ltd.	NCD & Bonds	Telecom - equipment & accessories	AAA	CRISIL	50.20	2.87%	50.00
Bond - Govt of India	GOI	Other			50.08	2.86%	5.00 L
Bond - Govt of India	GOI	Other			49.07	2.80%	5.00 L

Name	Type of Instrument	Weight (%)
Repo	Repo	2.74%
Net Receivables	Net Receivables	2.40%

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krishna_ksvs
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3 days ago

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hunch
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38 days ago

JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss View more | 1

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  JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss
  
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The Fixed Income
Bonds
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1 days ago

Secure Your attractive Returns with a Long-Term PSU Bond 9.35% Telangana State Industrial Infrastructure Corporation Limited – 2031 ✔️ Coupon: 9.35% ✔️ Rating: INDIA RATING AA(CE) Stable, Acuite (SMERA) AA(CE) Stable ✔️ Tenor: 6y 3m (Maturity: 31/Dec/2031) ✔️ Senior Secured | PSU Bond | High Return Bond | Listed A reliable PSU bond offering steady returns over a long-term horizon. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJldWJ3PT0=/935-telangana-state-industrial-infrastructure-corporation-limited-31dec2031?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Secure Your attractive Returns with a Long-Term PSU Bond 9.35% Telangana State Industrial Infrastructure Corporation Limited – 2031 ✔️ Coupon: 9.35% ✔️ Rating: INDIA RATING AA(CE) Stable, Acuite (SMERA) AA(CE) Stable ✔️ Tenor: 6y 3m (Maturity: 31/Dec/2031) ✔️ Senior Secured | PSU Bond | High Return Bond | Listed A reliable PSU bond offering steady returns over a long-term horizon. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJldWJ3PT0=/935-telangana-state-industrial-infrastructure-corporation-limited-31dec2031?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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ravisistla
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66 days ago

Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know. View more

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  Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know.
  
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sunny85deol
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104 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

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  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
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Progrowth Finwealth
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104 days ago

Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time View more | 1

Posted by : Progrowth Finwealth
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  Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time
  
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