Tata Retirement Savings Moderate Fund

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

The Tata Retirement Savings Moderate Fund is a 14 yrs old fund and has delivered average annual returns of 14.39% since inception. Tata Retirement Savings Moderate Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 5.05% 15.22% 15.06% 12.34% 14.39%

NAV as of Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹65.7009+0.54% 1 day change	14.39% p.a.	App exclusive #NA View Ranked Funds	₹2,117 Cr

Historical NAV & returns

NAV: ₹65.7009 as on Oct 20, 2025

This fund Category average

Tata Retirement Savings Moderate Fund overview

AUM (Fund size)	₹2,117 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 Hybrid 25+75 Aggressive Index
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	2.01% as on Sep 30, 2025
Plan type	Regular
Risk	Very High

Tata Retirement Savings Moderate 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	3.02%	1.83%
3 Months	2.07%	1.79%
6 Months	7.98%	5.5%
1 Year	5.05%	5.69%
2 Years	16.76%	13.63%
3 Years	15.22%	12.13%
4 Years	10.31%	8.98%
5 Years	15.06%	11.85%
7 Years	13.55%	10.4%
10 Years	12.34%	8.96%

Asset allocationas on Sep 30, 2025

Large Cap 39.74%

Mid Cap 24.98%

Small Cap 17.92%

Other Cap 0%

Top holdings

HDFC Bank Ltd.5.45%

Reliance Industries Ltd.3.83%

Eternal Ltd.3.71%

Radico Khaitan Ltd.3.63%

Top sectors

Financial 19.619999999999997%

Consumer Staples 15.940000000000001%

Services 10.79%

Energy 8.73%

SOV 10.93%

AAA 3.59%

Cash & Call Money 2.84%

Top Debt Holdings

GOI 10.93%

HDFC Bank Ltd. 1.21%

Shivshakti Securitisation Trust 0.95%

Jamnagar Utilities and Power Pvt. Ltd. 0.71%

Allocation by Instruments

GOI Securities 10.93%

Debenture 1.93%

Cash/Net Current Assets 1.67%

Repo 1.17%

Other Holdings

Others 1.17%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Tata Retirement Savings Moderate Fund	3.02%	7.98%	5.05%	15.22%	15.06%	12.34%
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 Moderate Fund	11.18	0.95	0.66	0.88
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 Moderate Fund	N.A.	2,117 Cr	14 yrs	2.01%
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	-0.25 vs. 3.06 Underperformed at beating benchmark
Sharpe	0.66 vs. 3.02 Poor risk-adjusted returns
Beta	0.95 vs. 0.85 More sensitive to market's ups & downs
Standard deviation	11.18 vs. 6.26 More volatile performance

Compare Tata Retirement Savings Moderate Fund in detail with

About this fund

About Tata Retirement Savings Moderate Fund

Tata Retirement Savings Moderate 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 Moderate Fund has ₹2,117 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 Moderate Fund as of 20/10/2025 is ₹65.70. The fund has an expense ratio of 2.01%, which is higher than what most other Retirement Solutions funds charge. Currently, the fund has a 82.64% allocation to equity and 14.52% to Debt.

Tata Retirement Savings Moderate Fund returns of last 1-year are 1.89%. Since launch, it has delivered 14.42% average annual returns. The fund has doubled the money invested in it every 5 yrs.
Tata Retirement Savings Moderate 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 below average.
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 low credit quality indicating the quality of borrowers it has lent it to is not too great.
The fund's top 5 holdings are in GOI, HDFC Bank Ltd., Reliance Industries Ltd., Eternal Ltd., Radico Khaitan Ltd..

...

Fund AUM	2,117 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 Equity Savings Fund	N.A.	270 Cr	6.57%	9.86%
Tata Retirement Savings Conservative Fund	N.A.	174 Cr	4.81%	7.54%
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 Moderate Fund?

The current Net Asset Value (NAV) of the Tata Retirement Savings Moderate Fund plan is approximately ₹65.7009 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The Tata Retirement Savings Moderate Fund is a 14 yrs old fund and has delivered average annual returns of 14.39% since inception.

Tata Retirement Savings Moderate Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
5.05%	15.22%	15.06%	12.34%	14.39%

How much does this mutual fund charge as expense ratio?

The Tata Retirement Savings Moderate Fund has an expense ratio of 2.01%, 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 Moderate Fund currently has assets under management (AUM) or fund size valued at approximately 2,117 Cr as on Sep 30, 2025.

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

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

Company	Percentage of Portfolio
HDFC Bank Ltd.	5.45%
Reliance Industries Ltd.	3.83%
Eternal Ltd.	3.71%
Radico Khaitan Ltd.	3.63%
Solar Industries India Ltd.	3.49%
ITC Ltd.	3.06%
Tata Consultancy Services Ltd.	2.89%
BSE Ltd.	2.86%
Nippon Life India Asset Management Ltd.	2.18%
Mahanagar Gas Ltd.	2.04%

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

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

Sector	Percentage of Portfolio
Financial	19.619999999999997%
Consumer Staples	15.940000000000001%
Services	10.79%
Energy	8.73%
Capital Goods	8.22%
Technology	5.87%
Consumer Discretionary	3.95%
Chemicals	3.49%
Construction	2.48%
Healthcare	1.67%

To whom does Tata Retirement Savings Moderate Fund lend to?

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

Holding Name	Percentage of Portfolio
GOI	10.93%
HDFC Bank Ltd.	1.21%
Shivshakti Securitisation Trust	0.95%

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 Moderate Fund's debt portion's allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
SOV	10.93%
AAA	3.59%
Cash & Call Money	2.84%

What is risk level of Tata Retirement Savings Moderate Fund?

This is a Retirement Solutions fund comes with Very 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 Moderate Fund?

Redeeming your investments in the Tata Retirement Savings Moderate 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 is one of the best in generating consistent return in it's category.
Return Outperformance: This fund has generated highest return amongst Retirement Solutions funds in the last 10 Years.
Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit load of 1% if redeemed before 61 months.