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Tata Retirement Savings Fund Conservative Plan Direct-growth
Hybrid
Large Cap
Moderately High Risk
Latest AUM
₹ 168.0 Cr.
NAV as on 03 aug, 2026
₹ 39.06
+20.58%
3 years annulised
This Fund
Fund Details
Fund Names
Tata Retirement Savings Fund Conservative Plan Direct-growth
Inception Date
01 Jan 2013
Lock In
1825
Risk
Principal at moderately high risk
Category Average Annual Returns
4.71
Portfolio Composition Analysis
Equity
28.95%
Debt
68.45%
Cash
2.60%
Portfolio Updated on: 10 Jul, 2026
Sector Allocations
Equity
Debt
Entities
Industrials
Technology
Portfolio Updated on: 03 aug, 2026
Top 10 Holdings
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 | Entities | GOI Securities | 20.24% |
| GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 | Entities | GOI Securities | 20.35% |
| GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 | Entities | GOI Securities | 20.35% |
| GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 | Entities | GOI Securities | 20.35% |
| GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 | Entities | GOI Securities | 20.41% |
| GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 | Entities | GOI Securities | 20.94% |
| GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 | Entities | GOI Securities | 20.14% |
| GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 | Entities | GOI Securities | 20.92% |
| GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 | Entities | GOI Securities | 20.92% |
| GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 | Entities | GOI Securities | 20.62% |
Debt & Credit Risk Analysis
| Sharpe Ratio | 0.49% |
| Standard Deviation | 5.38% |
| Sortino Ratio | 0.63% |
Returns Analysis
| Tenure | Absolute | Annualised | Category Average |
|---|---|---|---|
| 3 Months | 3.67% | NA | 0.33% |
| 6 Months | 4.31% | NA | 5.09% |
| 9 Months | 3.99% | NA | 4.33% |
| 1 Year | 5.51% | 5.51% | 4.71% |
| 2 Years | 10.46% | 5.10% | 9.59% |
| 3 Years | 28.61% | 8.75% | 9.11% |
| 5 Years | 43.03% | 7.42% | 9.02% |
| 7 Years | 79.66% | 8.73% | NA |
| 10 Years | 127.77% | 8.58% | 7.75% |
Tata Retirement Savings Fund Conservative Plan Direct-growth is one Hybrid mutual fund offered by Tata Mutual Fund. Launched on 01 Jan 2013, the fund aims Long Term Capital Appreciation &Current Income. A predominantly debt oriented savingsscheme which provides tool for retirement planning to individual investors. It manages assets worth ₹168.0 crore as on Tue Jun 30, 2026. The expense ratio stands at 1.05%.
Murthy Nagarajan has experience Prior to joining Tata AMC he has worked with Quantum AMC as head fixed income, Mirae Asset Global Investment India Ltd..
Sonam Udasi has experience Prior to joining Tata AMC he was associated with ASK Raymond James, JM Financial AMC, Prime Securities, BRICS Securities and IDBI Capital Market Services Ltd.
Top Performing Mutual Funds
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| SBI Children's Fund - Savings Plan Direct-growth | 144.7 | +0.60% | +5.34% | +7.53% | +8.59% | +12.28% | +10.65% |
| SBI Children's Fund - Savings Plan Regular-growth | 144.7 | +0.57% | +5.24% | +7.34% | +8.19% | +11.88% | +10.24% |
| Bank Of India Conservative Hybrid Fund Direct-growth | 65.1 | +0.25% | +1.44% | +2.95% | +4.52% | +7.30% | +10.15% |
| Bank Of India Conservative Hybrid Fund Direct-idcw Monthly | 65.1 | +0.25% | +1.44% | +2.95% | +4.52% | +7.30% | +10.15% |
| Bank Of India Conservative Hybrid Fund Direct-idcw Quarterly | 65.1 | +0.25% | +1.44% | +2.95% | +4.52% | +7.30% | +10.15% |
| Bank Of India Conservative Hybrid Fund Direct-idcw Yearly | 65.1 | +0.25% | +1.44% | +2.95% | +4.52% | +7.30% | +10.15% |
| Parag Parikh Conservative Hybrid Fund Direct-growth | 3,418.9 | +0.24% | +2.41% | +3.02% | +5.76% | +10.81% | +9.95% |
| Parag Parikh Conservative Hybrid Fund Direct-idcw Monthly | 3,418.9 | +0.24% | +2.41% | +3.02% | +5.76% | +10.81% | +9.95% |
| Parag Parikh Conservative Hybrid Fund Regular-growth | 3,418.9 | +0.21% | +2.32% | +2.85% | +5.43% | +10.47% | +9.62% |
| Parag Parikh Conservative Hybrid Fund Regular-idcw Monthly | 3,418.9 | +0.21% | +2.32% | +2.85% | +5.43% | +10.47% | +9.62% |
growth is based on 1-month returns of the funds & Top fund are based on 3Y Returns
More Funds from Tata Mutual Fund
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| Tata Retirement Savings Fund Conservative Plan Regular-growth | 168.0 | +0.52% | +3.36% | +3.71% | +4.28% | +7.48% | +6.16% |
growth is based on 1-month returns of the funds
Top Mutual Funds
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| SBI Conservative Hybrid Fund Direct-growth | 10,144.7 | +0.23% | +2.92% | +3.84% | +6.27% | +9.17% | +9.10% |
| SBI Conservative Hybrid Fund-growth | 10,144.7 | +0.19% | +2.80% | +3.60% | +5.76% | +8.64% | +8.55% |
| SBI Conservative Hybrid Fund Direct-idcw Monthly | 10,144.7 | +0.23% | +2.92% | +3.84% | +6.27% | +9.17% | +9.10% |
| SBI Conservative Hybrid Fund-idcw Monthly | 10,144.7 | +0.19% | +2.80% | +3.60% | +5.76% | +8.64% | +8.55% |
| SBI Conservative Hybrid Fund-idcw Quarterly | 10,144.7 | +0.19% | +2.80% | +3.60% | +5.76% | +8.64% | +8.55% |
| SBI Conservative Hybrid Fund Direct-idcw Quarterly | 10,144.7 | +0.23% | +2.92% | +3.84% | +6.27% | +9.17% | +9.10% |
| SBI Conservative Hybrid Fund-idcw Yearly | 10,144.7 | +0.19% | +2.80% | +3.60% | +5.76% | +8.64% | +8.55% |
| SBI Conservative Hybrid Fund Direct-idcw Yearly | 10,144.7 | +0.23% | +2.92% | +3.84% | +6.27% | +9.17% | +9.10% |
| Parag Parikh Conservative Hybrid Fund Regular-growth | 3,418.9 | +0.21% | +2.32% | +2.85% | +5.43% | +10.47% | +9.62% |
| Parag Parikh Conservative Hybrid Fund Direct-growth | 3,418.9 | +0.24% | +2.41% | +3.02% | +5.76% | +10.81% | +9.95% |
Top funds are based on Fund AUM
Top Hybrid Funds
| Fund name | ||||
|---|---|---|---|---|
| Sbi Children's Fund - Savings Plan Direct-growth | ₹129.95 | +12.28% | +10.65% | — |
| Sbi Children's Fund - Savings Plan Regular-growth | ₹118.76 | +11.88% | +10.24% | — |
| Bank Of India Conservative Hybrid Fund Direct-growth | ₹38.14 | +7.30% | +10.15% | — |
| Bank Of India Conservative Hybrid Fund Direct-idcw Monthly | ₹16.99 | +7.30% | +10.15% | — |
| Bank Of India Conservative Hybrid Fund Direct-idcw Quarterly | ₹18.74 | +7.30% | +10.15% | — |
| Bank Of India Conservative Hybrid Fund Direct-idcw Yearly | ₹17.38 | +7.30% | +10.15% | — |
| Parag Parikh Conservative Hybrid Fund Direct-growth | ₹16.18 | +10.81% | +9.95% | — |
| Parag Parikh Conservative Hybrid Fund Direct-idcw Monthly | ₹11.07 | +10.81% | +9.95% | — |
| Parag Parikh Conservative Hybrid Fund Regular-growth | ₹15.93 | +10.47% | +9.62% | — |
| Parag Parikh Conservative Hybrid Fund Regular-idcw Monthly | ₹10.82 | +10.47% | +9.62% | — |
growth is based on 5Y returns of the funds
Historical NAV
| Date | NAV |
|---|---|
| 03 Aug 2026 | ₹39.06 |
| 31 Jul 2026 | ₹38.98 |
| 30 Jul 2026 | ₹38.93 |
| 29 Jul 2026 | ₹38.95 |
| 28 Jul 2026 | ₹38.88 |
| 27 Jul 2026 | ₹38.90 |
| 24 Jul 2026 | ₹38.71 |
| 23 Jul 2026 | ₹38.72 |
| 22 Jul 2026 | ₹38.87 |
| 21 Jul 2026 | ₹38.97 |
| 20 Jul 2026 | ₹38.94 |
| 17 Jul 2026 | ₹38.86 |
| 16 Jul 2026 | ₹38.86 |
| 15 Jul 2026 | ₹38.89 |
| 14 Jul 2026 | ₹38.81 |
| 13 Jul 2026 | ₹38.95 |
| 10 Jul 2026 | ₹38.94 |
| 09 Jul 2026 | ₹38.75 |
| 08 Jul 2026 | ₹38.63 |
| 07 Jul 2026 | ₹38.84 |
| 06 Jul 2026 | ₹38.93 |
| 03 Jul 2026 | ₹38.82 |
| 02 Jul 2026 | ₹38.86 |
| 01 Jul 2026 | ₹38.76 |
| 30 Jun 2026 | ₹38.67 |
| 29 Jun 2026 | ₹38.59 |
| 25 Jun 2026 | ₹38.54 |
| 24 Jun 2026 | ₹38.52 |
| 23 Jun 2026 | ₹38.47 |
| 22 Jun 2026 | ₹38.60 |
Portfolio Updated on: 04 Aug, 2026
Fund Growth & Size Analysis
+₹168.0 Cr
Since Launch
This Fund
Category Average
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Tata Retirement Savings Fund Conservative Plan Direct-growth FAQ'S
- Sharpe Ratio: 0.49%
- Standard Deviation: 5.38%
- Sortino Ratio: 0.63%
Additional important ratios:
As of Tue Jun 30, 2026, the total assets managed under Tata Retirement Savings Fund Conservative Plan Direct-growth stand at approximately ₹ 168.0 crore.
The Tata Retirement Savings Fund Conservative Plan Direct-growth has delivered the following short-term performance:
- 3 Months Return: 3.67%
- 6 Months Return: 4.31%
The historical growth of the Tata Retirement Savings Fund Conservative Plan Direct-growth is reflected through its CAGR returns:
- 3 Year CAGR: 8.75%
- 5 Year CAGR: 7.42%
- Return Since Launch: 9.66%
The portfolio of Tata Retirement Savings Fund Conservative Plan Direct-growth is distributed across different asset classes as follows:
- Equity: 28.95%
- Debt Instruments: 68.45%
- Other Assets: 2.60%
The Tata Retirement Savings Fund Conservative Plan Direct-growth is managed by Sonam Udasi, representing Tata Mutual Fund.
The Tata Retirement Savings Fund Conservative Plan Direct-growth investments are allocated across market caps in the following manner:
- Large Cap Stocks: 57.65%
- Mid Cap Stocks: 22.07%
- Small Cap Stocks: 20.28%
Top stock holdings of Tata Retirement Savings Fund Conservative Plan Direct-growth include:
- GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 – represents 20.24% of the portfolio
- GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 – represents 20.35% of the portfolio
- GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 – represents 20.35% of the portfolio
- GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 – represents 20.35% of the portfolio
- GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 – represents 20.41% of the portfolio
- GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 – represents 20.94% of the portfolio
- GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 – represents 20.14% of the portfolio
- GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 – represents 20.92% of the portfolio
- GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 – represents 20.92% of the portfolio
- GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 – represents 20.62% of the portfolio
Major sector exposures in Tata Retirement Savings Fund Conservative Plan Direct-growth are:
- Entities – accounts for 740.03% of the portfolio
- Industrials – accounts for 105.16% of the portfolio
- Financial – accounts for 102.96% of the portfolio
- Consumer Staples – accounts for 48.53% of the portfolio
- Technology – accounts for 42.47% of the portfolio
