Tata Retirement Savings Conservative Fund

Q: What are the returns of this mutual fund scheme?

The Tata Retirement Savings Conservative Fund is a 14 yrs old fund and has delivered average annual returns of 8.67% since inception. Tata Retirement Savings Conservative Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 4.81% 8.73% 7.54% 7.79% 8.67%

NAV as of Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹32.0675+0.22% 1 day change	8.67% p.a.	App exclusive #NA View Ranked Funds	₹174 Cr

Historical NAV & returns

NAV: ₹32.0675 as on Oct 20, 2025

This fund Category average

Tata Retirement Savings Conservative Fund overview

AUM (Fund size)	₹174 Cr
Exit load	1.0% Exit load of 1% if redeemed before 61 months.!
Lock-in Period	5 Years
Age	14 yrs since Oct 07, 2011
Benchmark	CRISIL Short Term Debt Hybrid 75+25 Index
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	2.17% as on Sep 30, 2025
Plan type	Regular
Risk	Moderately High

Tata Retirement Savings Conservative Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Oct 25, 2025

Period	This fund	Category average
1 Month	1.24%	1.83%
3 Months	0.97%	1.79%
6 Months	3.69%	5.5%
1 Year	4.81%	5.69%
2 Years	9.43%	13.63%
3 Years	8.73%	12.13%
4 Years	6.24%	8.98%
5 Years	7.54%	11.85%
7 Years	8.13%	10.4%
10 Years	7.79%	8.96%

Asset allocationas on Sep 30, 2025

Large Cap 14.54%

Mid Cap 8.23%

Small Cap 5.9%

Other Cap 0%

Top holdings

HDFC Bank Ltd.1.97%

Eternal Ltd.1.37%

Reliance Industries Ltd.1.34%

Solar Industries India Ltd.1.31%

Top sectors

Financial 7.039999999999999%

Consumer Staples 5.720000000000001%

Services 3.68%

Energy 3.09%

SOV 52.83%

AAA 11.52%

Cash & Call Money 6.98%

Top Debt Holdings

Jamnagar Utilities and Power Pvt. Ltd. 5.74%

GOI 2.97%

Shivshakti Securitisation Trust 2.89%

Bharti Telecom Ltd. 2.89%

Allocation by Instruments

GOI Securities 49.86%

Non Convertible Debenture 5.74%

Repo 5.03%

Central Government Loan 2.97%

Other Holdings

Others 5.03%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Tata Retirement Savings Conservative Fund	1.24%	3.69%	4.81%	8.73%	7.54%	7.79%
UTI Retirement Fund	1.41%	3.34%	5.35%	12.38%	13.52%	9.41%
HDFC Retirement Savings Fund - Hybrid Equity Plan	1.91%	6.25%	4.56%	15.45%	17.66%	14.69%
HDFC Retirement Savings Fund - Hybrid Debt Plan	1.06%	2.73%	4.93%	9.15%	8.53%	8.1%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	0.96%	5.73%	7.98%	11.08%	9.04%	5.85%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	2.36%	13.92%	11.23%	21.04%	20.84%	10.37%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Tata Retirement Savings Conservative Fund	4.31	1.06	0.4	0.55
UTI Retirement Fund	5.64	0.62	0.96	1.44
HDFC Retirement Savings Fund - Hybrid Equity Plan	8.61	0.77	0.95	1.46
HDFC Retirement Savings Fund - Hybrid Debt Plan	3.48	0.88	0.68	1.11
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	4.23	1.02	0.94	1.35
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	12.57	1.1	1.02	1.55

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Tata Retirement Savings Conservative Fund	N.A.	174 Cr	14 yrs	2.17%
UTI Retirement Fund	N.A.	4,659 Cr	30 yrs 9 m	1.65%
HDFC Retirement Savings Fund - Hybrid Equity Plan	N.A.	1,681 Cr	9 yrs 8 m	2.07%
HDFC Retirement Savings Fund - Hybrid Debt Plan	N.A.	160 Cr	9 yrs 8 m	2.14%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	N.A.	83 Cr	6 yrs 8 m	2.12%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	N.A.	937 Cr	6 yrs 8 m	2.19%

View all Retirement Solutions funds

Key risk & return ratios Compared to other funds in the category

Alpha	-1.55 vs. 3.06 Underperformed at beating benchmark
Sharpe	0.4 vs. 3.02 Poor risk-adjusted returns
Beta	1.06 vs. 0.85 More sensitive to market's ups & downs
Standard deviation	4.31 vs. 6.26 More stable returns

Compare Tata Retirement Savings Conservative Fund in detail with

About this fund

About Tata Retirement Savings Conservative Fund

Tata Retirement Savings Conservative Fund is a Retirement Solutions mutual fund scheme from Tata Mutual Fund. This fund has been in existence for 14 yrs, having been launched on 07/10/2011. Tata Retirement Savings Conservative Fund has ₹174 Crores worth of assets under management (AUM) as on 30/09/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Tata Retirement Savings Conservative Fund as of 20/10/2025 is ₹32.07. The fund has an expense ratio of 2.17%, which is higher than what most other Retirement Solutions funds charge. Currently, the fund has a 28.67% allocation to equity and 64.35% to Debt.

Tata Retirement Savings Conservative Fund returns of last 1-year are 3.70%. Since launch, it has delivered 8.69% average annual returns. The fund has doubled the money invested in it every 10 yrs.
Tata Retirement Savings Conservative Fund scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is low.
The fund's equity portion is primarily invested in Financial, Consumer Staples, Services, Energy, Capital Goods sectors. It has taken less exposure in Financial, Consumer Staples sectors compared to other funds in the category.
The debt portion of the fund has moderate credit quality indicating the quality of borrowers it has lent it to is good.
The fund's top 5 holdings are in Jamnagar Utilities and Power Pvt. Ltd., GOI, Bharti Telecom Ltd., Shivshakti Securitisation Trust, HDFC Bank Ltd..

...

Fund AUM	174 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

Fund managers

Sonam Udasi

Mr. Udasi is a B.Com and also holds PGDM(Finance). 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.

Murthy Nagarajan

Mr. Nagarajan is a M.Com, ICWA and PGPMS. Prior to joining Tata AMC he has worked with Quantum AMC as head fixed income, Mirae Asset Global Investment India Ltd..

Investment objective

The fund seeks to provide a financial planning tool for long term financial security for investors based on their retirement planning goals.

Tata Mutual Fund details

No. of schemes	61 view all schemes
Total AUM	2,17,939 Cr as on Sep 30, 2025
Address	9th Floor, Mafatlal Centre, Nariman Point, Mumbai, 400021
Email	service@tataamc.com
Phone	1800-209-0101

More funds from Tata Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
Tata Aggressive Hybrid Fund	N.A.	4,025 Cr	3.82%	15.93%
Tata Retirement Savings Moderate Fund	N.A.	2,117 Cr	5.05%	15.06%
Tata Equity Savings Fund	N.A.	270 Cr	6.57%	9.86%
Tata Arbitrage Fund	N.A.	19,150 Cr	6.4%	5.63%

See all Hybrid funds from this AMC

Frequently asked questions

What is the current NAV of Tata Retirement Savings Conservative Fund?

The current Net Asset Value (NAV) of the Tata Retirement Savings Conservative Fund plan is approximately ₹32.0675 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The Tata Retirement Savings Conservative Fund is a 14 yrs old fund and has delivered average annual returns of 8.67% since inception.

Tata Retirement Savings Conservative Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
4.81%	8.73%	7.54%	7.79%	8.67%

How much does this mutual fund charge as expense ratio?

The Tata Retirement Savings Conservative Fund has an expense ratio of 2.17%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The Tata Retirement Savings Conservative Fund currently has assets under management (AUM) or fund size valued at approximately 174 Cr as on Sep 30, 2025.

What are the top stock holdings of Tata Retirement Savings Conservative Fund?

The Tata Retirement Savings Conservative Fund's equity portion has been invested in the stocks of the following companies

Company	Percentage of Portfolio
HDFC Bank Ltd.	1.97%
Eternal Ltd.	1.37%
Reliance Industries Ltd.	1.34%
Solar Industries India Ltd.	1.31%
ITC Ltd.	1.27%
Tata Consultancy Services Ltd.	1.05%
Radico Khaitan Ltd.	1.0%
DOMS Industries Ltd.	0.86%
BSE Ltd.	0.85%
Nippon Life India Asset Management Ltd.	0.82%

What are the top sectors Tata Retirement Savings Conservative Fund has invested in?

The Tata Retirement Savings Conservative Fund's equity portion is primarily invested in the following sectors -

Sector	Percentage of Portfolio
Financial	7.039999999999999%
Consumer Staples	5.720000000000001%
Services	3.68%
Energy	3.09%
Capital Goods	2.79%
Technology	2.1%
Chemicals	1.72%
Consumer Discretionary	1.29%
Construction	0.42%
Healthcare	0.31%

To whom does Tata Retirement Savings Conservative Fund lend to?

The top 3 debt holdings of Tata Retirement Savings Conservative Fund are as follows

Holding Name	Percentage of Portfolio
Jamnagar Utilities and Power Pvt. Ltd.	5.74%
GOI	2.97%
Shivshakti Securitisation Trust	2.89%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The Tata Retirement Savings Conservative Fund's debt portion's allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
SOV	52.83%
AAA	11.52%
Cash & Call Money	6.98%

What is risk level of Tata Retirement Savings Conservative Fund?

This is a Retirement Solutions fund comes with Moderately High risk.

Is there any lock-in period in this mutual fund?

Yes, this fund comes with a mandatory lock-in period of 5 years.

How can I redeem my investments in Tata Retirement Savings Conservative Fund?

Redeeming your investments in the Tata Retirement Savings Conservative Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Retirement Solutions

#NA

Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.
Chance: This fund has generated only 7.67% annual return in 70% of times for investors holding for at least 5 years.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit load of 1% if redeemed before 61 months.