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Tata Retirement Savings Fund Conservative Plan Direct-Growth
| NAV as of Oct 20, 2025 | Returns since inception | ET Money Rank | AUM (Fund size) |
|---|---|---|---|
| ₹37.6619+0.23% 1 day change | 9.95% | App exclusive   | ₹174 Cr |
Historical NAV & returns
NAV: ₹37.6619 as on Oct 20, 2025
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Tata Retirement Savings Conservative Fund overview
| Expense ratio | 0.98% as on Sep 30, 2025 |
| Exit load | 1.0% Exit load of 1% if redeemed before 61 months.! |
| AUM (Fund size) | ₹174 Cr |
| Lock-in Period | 5 Years |
| Age | 12 yrs 9 m since Jan 01, 2013 |
| Benchmark | CRISIL Short Term Debt Hybrid 75+25 Index |
| Min. investment | SIP: ₹500 & Lumpsum: ₹5000 |
| Risk | Moderately High |
Tata Retirement Savings Conservative Fund Returns calculator
Investment type
- 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 | 1.33% | 1.91% |
| 3 Months | 1.26% | 2.07% |
| 6 Months | 4.3% | 6.09% |
| 1 Year | 6.06% | 6.89% |
| 2 Years | 10.72% | 14.92% |
| 3 Years | 10.02% | 13.38% |
| 4 Years | 7.51% | 10.22% |
| 5 Years | 8.82% | 13.26% |
| 7 Years | 9.43% | 11.61% |
| 10 Years | 9.17% | 10.11% |
Asset allocationas on Sep 30, 2025
Large Cap 14.54%
Mid Cap 8.23%
Small Cap 5.9%
Other Cap 0%
Top holdings
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%
Key risk & return ratios Compared to other funds in the category
About this fund
More funds from Tata Mutual Fund
Frequently asked questions
ET Money rank
App exclusive
#NA
- Return/Risk: For every unit of risk this fund takes, it produces 20% more returns.
- Age: This is the 3rd oldest Retirement Solutions fund.
- Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.
- Chance: This fund has generated only 8.87% annual return in 70% of times for investors holding for at least 5 years.
- Exit Load: Exit load of 1% if redeemed before 61 months.