Tata Retirement Savings Fund - Conservat-Dir (G)
Retirement FundNAV
36.67(-0.21%)Fund Size (CR)
₹173.23Expense Ratio
1.02Scheme Type
Active FundValue Research
Min. investment
₹5,000Minimum Additional Investment
₹1,000Minimum SIP Investment
₹150Minimum Withdrawal
₹1,000Exit Load
1%Return Since Launch
10.10%
- 3M
- 6M
- 1Y
- 3Y
- All
Basic Details
Scheme Manager
Murthy Nagarajan
Bench Mark
CRISIL Short Term Debt Hybrid 75+25 Index
Type
OPEN
Lumpsum Returns
| Period Invested For | ₹10,000 Invested on | Latest Value | Absolute Returns | Annualised Returns | Category Avg | Rank within Category |
|---|---|---|---|---|---|---|
| 1 Week | 14 May 2025 | 10038.49 | 0.38% | - | 0.75% | 95/106 |
| 1 Month | 21 April 2025 | 10166.40 | 1.66% | - | 2.60% | 81/106 |
| 3 Month | 21 February 2025 | 10528.61 | 5.29% | - | 7.32% | 87/106 |
| 6 Month | 21 November 2024 | 10403.23 | 4.03% | - | 3.95% | 65/106 |
| 1 Year | 21 May 2024 | 10879.63 | 8.80% | 8.80% | 9.48% | 60/102 |
| 3 Year | 20 May 2022 | 13567.20 | 35.67% | 10.68% | 14.95% | 72/90 |
| 5 Year | 21 May 2020 | 16318.37 | 63.18% | 10.28% | 16.00% | 52/74 |
| Since Inception | 8 January 2013 | 32885.16 | 228.85% | 10.10% | 12.38% | 75/106 |
Note: Lumpsum Returns since Inception Date.
SIP Returns
| Period Invested For | ₹10,000 Invested on | Investments | Latest Value | Absolute Returns | Annualised Returns |
|---|---|---|---|---|---|
| 1 Year | 3 June 2024 | 1,20,000 | 124235.14 | 3.53% | 3.53% |
| 3 Year | 1 June 2022 | 3,60,000 | 420086.64 | 16.69% | 5.28% |
| 5 Year | 1 June 2020 | 6,00,000 | 756225.49 | 26.04% | 4.74% |
| 10 Year | 1 June 2015 | 12,00,000 | 1917842.43 | 59.82% | 4.80% |
Note: SIP Returns since Inception Date.
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%.
Mutual Funds Calculator
- Investment type
- Scheme based
- SIP
- Lumpsum
Invested Amount
₹25,000
Estimated Returns
₹19,059
76%
Returns
Future value of your investment
₹44,059
Risk Ratios
1.33%
Standard Deviation
0.31%
Beta
0.63%
Sharpe Ratio
0.06%
Treynor's Ratio
0.98%
Jension's Alpha
Asset Allocation
Sector Allocation
Top 10 stock holding in portfolio
| Stock Invested in | % of Total Holdings | Quantity | Value (Cr) | Asset Type | Segment |
|---|---|---|---|---|---|
| HDFC Bank | 2.27% | 20750 | 4.01 | Equity | Banks |
| Reliance Industr | 1.41% | 17100 | 2.49 | Equity | Refineries |
| ITC | 1.35% | 55000 | 2.38 | Equity | Tobacco Products |
| TCS | 1.28% | 6300 | 2.26 | Equity | IT - Software |
| Solar Industries | 1.25% | 1594 | 2.21 | Equity | Aerospace & Defence |
| BSE | 1.17% | 2900 | 2.07 | Equity | Financial Services |
| Eternal Ltd | 1.00% | 72900 | 1.77 | Equity | E-Commerce/App based Aggregator |
| Doms Industries | 0.96% | 6000 | 1.70 | Equity | Printing & Stationery |
| Radico Khaitan | 0.88% | 6000 | 1.55 | Equity | Alcoholic Beverages |
| Mahanagar Gas | 0.77% | 9900 | 1.36 | Equity | Gas Distribution |
Peer Comparison
| Scheme Name | Value Research | Asset Size (Cr) | 1M | 3M | 6M | 1Y | 3Y |
|---|---|---|---|---|---|---|---|
| Tata Retirement Savings Fund - Conservat-Dir (G) | 173.23 | 1.66% | 5.29% | 4.03% | 8.80% | 10.68% | |
| PGIM India Retirement Fund - Direct (G) | 80.58 | 2.94% | 11.09% | 5.21% | 14.82% | - | |
| PGIM India Retirement Fund - Direct (IDCW) | 80.58 | 2.94% | 11.09% | 5.21% | 14.82% | - | |
| Aditya Birla SL Retirement-The 40s Plan-Dir (IDCW) | 112.41 | 2.86% | 8.57% | 5.70% | 13.98% | 17.11% | |
| Aditya Birla SL Retirement-The 40s Plan-Dir (G) | 112.41 | 2.86% | 8.57% | 5.70% | 13.98% | 17.11% | |
| UTI-Retirement Fund - Direct | 4668.28 | 1.94% | 6.30% | 5.41% | 12.47% | 14.75% |
List of Schemes under Tata Mutual Fund
News
Tata MF announces Income Distribution cum capital withdrawal (IDCW) under two schemes
Tata Mutual Fund has announced 07 May 2025 as the record date for declaration of Income Distribution cum capital withdrawal (IDCW) under the monthly IDCW option and under the Periodic IDCW Periodic-Payout/Reinvestment) of following schemes. The amount of IDCW (Rs per unit) on the face value of Rs 10 per unit will be:Tata Hybrid Equity Fund ' Regular Plan & Direct Plan: 0.36 each.
Tata Equity Savings Fund ' Regular Plan & Direct Plan: 0.058 each.
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Tata MF announces Income Distribution cum capital withdrawal (IDCW) under two schemes
Tata Mutual Fund has announced 02 April 2025 as the record date for declaration of Income Distribution cum capital withdrawal (IDCW) under the monthly IDCW option and under the Periodic IDCW Periodic-Payout/Reinvestment) of following schemes. The amount of IDCW (Rs per unit) on the face value of Rs 10 per unit will be:Tata Hybrid Equity Fund ' Regular Plan & Direct Plan: 0.35 each.
Tata Equity Savings Fund ' Regular Plan & Direct Plan: 0.058 each.
Powered by Capital Market - Live News
Tata MF announces Income Distribution cum capital withdrawal (IDCW) under two schemes
Tata Mutual Fund has announced 05 March 2025 as the record date for declaration of Income Distribution cum capital withdrawal (IDCW) under the monthly IDCW option and under the Periodic IDCW Periodic-Payout/Reinvestment) of following schemes. The amount of IDCW (Rs per unit) on the face value of Rs 10 per unit will be:Tata Hybrid Equity Fund ' Regular Plan & Direct Plan: 0.34 each.
Tata Equity Savings Fund ' Regular Plan & Direct Plan: 0.057 each.
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Fund House Details & Investment Objective
Date of Incorporation
1 January 2013
Total AUM (Cr)
₹176.86
Tata Retirement Savings Fund - Conservat-Dir (G) is an Retirement Fund-oriented fund from the renowned AMC, Tata Mutual Fund. Launched in 1 January 2013, this fund is managed by Murthy Nagarajan. With assets under management (AUM) worth ₹176.86 (Cr), as of 22 May 2025, Tata Retirement Savings Fund - Conservat-Dir (G) is categorized as a Retirement Fund within its segment. The fund has generated a return of 10.10% since its launch.
The current NAV of Tata Retirement Savings Fund - Conservat-Dir (G) is ₹36.67, as on 22 May 2025. The fund's benchmark index is CRISIL Short Term Debt Hybrid 75+25 Index. You can invest in Tata Retirement Savings Fund - Conservat-Dir (G) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹150 while the minimum lumpsum investment is ₹5,000.
Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
Nil - If redeemed or switch out on or after attainment of retirment age i.e. 60years Nil - In case of Auto switch out of units on occurrence of Auto switch trigger event. 1% - If redeemed before 61 months from the date of allotment. The fund has generated 10.68% and 10.28% CAGR in the last 3 and 5 years respectively.
The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 29.30% in Equity, 69.32% in Debt and 1.38% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 68.72% in Debt, 4.37% in Cash & Others, 3.40% in Banks, 2.67% in IT-Software, 2.04% in Consumer Durables
FAQs
How to Invest in Tata Retirement Savings Fund - Conservat-Dir (G) Direct Growth?
Tata Retirement Savings Fund - Conservat-Dir (G) is a popular fund in the Retirement Fund segment. The fund has generated a return of 10.10% since inception. Looking to invest in Tata Retirement Savings Fund - Conservat-Dir (G) How about earning 1% extra return? All this is possible with m.Stock! Investing in Tata Retirement Savings Fund - Conservat-Dir (G) is super easy and convenient with m.Stock. Here’s how you can begin:
- Login to your m.Stock account. If you do not have an account, open m.Stock Demat account and enjoy 1% extra returns plus Zero Brokerage on Mutual Funds, Delivery & IPO.
- In the ‘Menu’ section, under ‘Products’, select ‘Mutual Funds’ .
- In the search bar, enter the fund name, in this case, Tata Retirement Savings Fund - Conservat-Dir (G)
- On the top right corner you’ll see two options – Lumpsum and SIP. You can choose either based on your risk appetite and available investible corpus.
- If you choose to invest a Lumpsum: Use the Lumpsum Calculator to estimate returns, then enter the investment amount, select the payment mode mode (UPI or Netbanking), and click on ‘invest a lumpsum’. Make the payment and your lumpsum investment is complete.
- If you choose the SIP route: Utilize the SIP Calculator to forecast potential growth, then enter the SIP amount, SIP date, and set up ‘Autopay’ facility.
So, why wait? Invest in Tata Retirement Savings Fund - Conservat-Dir (G) today and reap the benefits of this Retirement Fund fund!
How much returns has Tata Retirement Savings Fund - Conservat-Dir (G) Direct Growth generated?
What is the expense ratio of Tata Retirement Savings Fund - Conservat-Dir (G) Direct Growth?
What is the AUM of Tata Retirement Savings Fund - Conservat-Dir (G) Fund Direct Growth?
How to redeem or withdraw money from Tata Retirement Savings Fund - Conservat-Dir (G) Direct Growth?
Redeeming or selling units of Tata Retirement Savings Fund - Conservat-Dir (G) is relatively simple. But before you redeem, ensure that the fund has completed the minimum lock-in period else you will be charged an exit load.
To redeem from Tata Retirement Savings Fund - Conservat-Dir (G):
- Login to your m.Stock account
- In portfolio, your mutual fund investments will be visible under ‘MF’
- Select the fund you wish to redeem from (in this case Tata Retirement Savings Fund - Conservat-Dir (G)).
- Click on ‘Redeem’ button
- You have 2 options – redeem by units and redeem by value (you can only redeem free units)
- Select units to be redeemed and click on submit.
- Redemption value will be credited to your account in 2-3 working days (as per timelines set by SEBI).