Tata Retirement Savings Moderate Fund Direct Growth

Tata Retirement Savings Moderate Fund Direct Growth

Hybrid

Direct

Retirement

NAV as on 21-11-2024

₹ 72.76

0.5%

1D

Inception Returns

16.5%

/yr

About Tata Retirement Savings Moderate Fund Direct Growth

Tata Retirement Savings Moderate Fund Direct Growth is a hybrid fund. This fund was started on 1 January, 2013. The fund is managed by Murthy Nagarajan, Sonam Udasi. This fund gives you the benefit of diversification.

Key Parameters

  1. Tata Retirement Savings Moderate Fund Direct Growth has ₹2162 Cr worth of assets under management (AUM) as on Oct 2024 and is more than category average.
  2. The fund has an expense ratio 0.6.

Returns

Tata Retirement Savings Moderate Fund Direct Growth has given a CAGR return of 16.47% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 24.07%, 13.35% and 16.31% respectively.

Holdings

Tata Retirement Savings Moderate Fund Direct Growth has allocated its funds majorly in Cash Equivalent, Financial Services, Government, Industrial, Consumer Defensive, Consumer Cyclical, Corporate, Tech, Basic Materials, Energy, Utilities, Real Estate, Communication.

Taxation

As it is a retirement mutual fund the taxation is as follows:
If the fund is equity oriented i.e. asset allocation of more than 65% in equity instruments:
For short term (less than a year) capital gains will be taxed at 15%
For long term (more than 1 year) capital gains will be taxed at 10% without indexation benefit
Gains up to Rs 1 lakh are exempt from taxation (more than 12 months).

Investment objective of Tata Retirement Savings Moderate Fund Direct Growth

To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 5000.00 and for SIP is INR 150.00. There is a lock in period for Tata Retirement Savings Moderate Fund Direct Growth of 5 Years

Historical NAV & Returns

Annualised

zero opening, trading, fund transfer fee
351 people have invested ₹ 14L in Tata Retirement Savings Moderate Fund Direct Growth in the last three months

Tata Retirement Savings Moderate Fund Direct Growth Overview

Expense ratio0.6%
Benchmark
CRISIL Hybrid 25+75-Aggressive TR INR
AUM₹2162 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹5000/₹150
Exit Load
1.0%
Lock In5 Years
TurnOver
55.2%
STCGRedeeming before 1 year, returns taxed at 20%.
LTCGAfter 1 year, 12.5% tax on returns over ₹1.25 lakh/year.
Risk
Risk meter
pointer
Very High Risk

Trailing Returns

as on (21-Nov-24)

Period
Tata Retirement Savings Moderate Fund Direct Growth
Retirement Index
1M
-3.8%
-
3M
-2%
-
6M
9%
-
1Y
24.1%
-
3Y
13.3%
-
5Y
16.3%
-

Fund Distribution

as on (31-Oct-24)

  • Equity 77.7%

  • Debt & Cash 22.3%

Small cap
29.4%

Large cap
29.2%

Mid cap
19%

Sector Allocation

Oct'24

Sep'24

Aug'24

Financial Services
27.9%
Industrial
16.2%
Consumer Defensive
14.2%
Consumer Cyclical
13.3%
Tech
10%
Basic Materials
8.2%
Energy
4.9%
Utilities
2.7%
Real Estate
1.8%
Communication
0.8%
All changes are between Oct'69 and Dec'69
Parameters
Oct'24
Sep'24
Aug'24
AUM
₹ 2.2K Cr
₹ 2.2K Cr
₹ 2.2K Cr
  • AUM of the fund stands at 2.2K Cr as of Oct'24
  • AUM decreased by 71.4 Cr between Oct'24 and Sep'24

Top 3 Sectors in October were Financial Services, Government & Corporate

Oct'24
Financial Services
28%
Government
22%
Industrial
16%
Sep'24
Financial Services
24%
Government
22%
Corporate
16%
Fund
Oct'24
Sep'24
Aug'24
No of Holdings
65
66
70
Top 5 Company Concentration
17.4%
16.8%
17.7%
Company having highest exposure
HDFC Bank Ltd (5.5%)
HDFC Bank Ltd (5.3%)
HDFC Bank Ltd (5.1%)
No of Sectors
12
13
13
Top 5 Sectors Concentration
93.2%
93.7%
103%
Sector having highest exposure
Financial Services (27.9%)
Financial Services (23.5%)
Government (28.3%)
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Murthy Nagarajan
Murthy Nagarajan
Fund Manager of Tata Retirement Savings Moderate Fund Direct Growth, since 1 April 2017
Sonam Udasi
Sonam Udasi
Fund Manager of Tata Retirement Savings Moderate Fund Direct Growth, since 1 April 2016
Fund House
Tata Asset Management Limited
Total Schemes
Total AUM
₹1.87L Cr
as on 31-Oct-2024
Address
Tata Asset Management Private Limited,Mafatlal Centre, 9th Floor,,Nariman Point,,India
Phone
+912266578282
Website
kiran@tataamc.com

Mutual Fund Insights

Insights icon
In the last 3 years, ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth has given 21.01% return, outperforming this fund by 7.66% per annum.
Insights icon
In the last 1 year, ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth has given 37.56% return, outperforming this fund by 13.5%.
Insights icon
This fund has one of the lowest expense ratio in the category (retirement). Its expense ratio is 0.6% which is lower than the category average expense ratio of 1.39%.
Insights icon
In the last 5 years, HDFC Retirement Savings Fund - Equity Plan - Direct Plan has given 24.81% return, outperforming this fund by 8.5% per annum.
Insights icon
Over the last 1 month, this fund has experienced a 3.2% drop in AUM moving from 2.23K Cr to 2.16K Cr.
Insights icon
Over the last 6 months, this fund has decreased expense ratio by 6.2% moving from 0.64 to 0.60.

Tata Retirement Savings Moderate Fund Direct Growth Highlights

Risk meter
pointer

Very High Risk

Investors understand that their principal will be at Very High Risk
About the fund

About the fund

This fund has delivered an average annual returns of 16.47% since inception which is more than its category average return of 11.58%
Fund Allocations

Fund Allocations

This fund has an allocation of 77.66% in Equity, 7.38% in Debt and 14.96% in Cash related instruments
AUM size ₹2162 Cr

AUM size ₹2162 Cr

This fund has AUM of ₹2162 Cr which is more than its category average of ₹ 801 Cr
Expense Ratio 0.6%

Expense Ratio 0.6%

This fund has an expense ratio of 0.6% which is less than its category average expense ratio of 1.52%

Frequently Asked Questions for Tata Retirement Savings Moderate Fund Direct Growth

The current NAV of Tata Retirement Savings Moderate Fund Direct Growth is ₹72.76 as on 21-Nov-2024.
Existing (Absolute + CAGR) as on 21-Nov-2024.
Tata Retirement Savings Moderate Fund Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
-3.77%
-3.77%
6 Month Returns
9.03%
9.03%
1 Year Returns
24.07%
24.07%
3 Years Returns
45.63%
13.35%
5 Years Returns
112.88%
16.31%
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0.6% as on October 2024
₹2162 Cr as on October 2024
HDFC Bank Ltd(5.52%), ITC Ltd(3.56%), Radico Khaitan Ltd(2.93%), BSE Ltd(2.73%), Zomato Ltd(2.65%) as on October 2024
Financial Services(21.66%), Cash Equivalent(14.96%), Industrial(12.62%) as on October 2024
AAA
97.32
AA
2.68
Murthy Nagarajan, Sonam Udasi are the fund managers of Tata Retirement Savings Moderate Fund Direct Growth
The Exit load of Tata Retirement Savings Moderate Fund Direct Growth is 1%