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 3 m old fund and has delivered average annual returns of 13.66% since inception. Tata Retirement Savings Moderate Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 2.64% 14.01% 10.79% 12.52% 13.66%

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹62.1604-1.42% 1 day change	13.66% p.a.	App exclusive #NA View Ranked Funds	₹2,166 Cr

Historical NAV & returns

NAV: ₹62.1604 as on Feb 02, 2026

This fund Category average

Tata Retirement Savings Moderate Fund overview

AUM (Fund size)	₹2,166 Cr
Exit load	1.0% Exit load of 1% if redeemed before 61 months.!
Lock-in Period	5 Years
Age	14 yrs 3 m since Oct 07, 2011
Benchmark	CRISIL Hybrid 25+75 Aggressive Index
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	2.04% as on Feb 02, 2026
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 Feb 03, 2026

Period	This fund	Category average
1 Month	-4.26%	-2.31%
3 Months	-4.86%	-2.24%
6 Months	-2.92%	-0.17%
1 Year	2.64%	5.75%
2 Years	7.77%	7.98%
3 Years	14.01%	11.23%
4 Years	9.64%	8.77%
5 Years	10.79%	8.98%
7 Years	11.83%	9.6%
10 Years	12.52%	9.7%

Asset allocationas on Dec 31, 2025

Large Cap 44.69%

Mid Cap 21.87%

Small Cap 17.1%

Other Cap 0%

Top holdings

HDFC Bank Ltd.5.56%

Reliance Industries Ltd.4.89%

Radico Khaitan Ltd.4.06%

BSE Ltd.3.61%

Top sectors

Financial 24.610000000000003%

Consumer Staples 16.15%

Services 10.06%

Energy 7.569999999999999%

SOV 11.36%

AAA 3.26%

Cash & Call Money 1.72%

Top Debt Holdings

GOI 11.36%

HDFC Bank Ltd. 1.18%

Shivshakti Securitisation Trust 0.93%

Jamnagar Utilities and Power Pvt. Ltd. 0.69%

Allocation by Instruments

GOI Securities 11.360000000000001%

Debenture 1.64%

Cash/Net Current Assets 1.25%

Securitised Debt 0.93%

Other Holdings

Others 0.47%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Tata Retirement Savings Moderate Fund	-4.26%	-2.92%	2.64%	14.01%	10.79%	12.52%
UTI Retirement Fund	-1.58%	1.1%	5.8%	11.54%	10.99%	9.87%
HDFC Retirement Savings Fund - Hybrid Equity Plan	-3.55%	-0.02%	5.65%	13.4%	12.89%	14.39%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	-0.87%	2.96%	9.03%	11.3%	8.05%	5.95%
HDFC Retirement Savings Fund - Hybrid Debt Plan	-1.18%	0.47%	4.81%	8.18%	7.33%	8.05%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	-3.77%	2.95%	13.0%	21.19%	15.76%	10.23%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Tata Retirement Savings Moderate Fund	11.14	0.97	0.75	1.0
UTI Retirement Fund	5.6	0.62	0.96	1.41
HDFC Retirement Savings Fund - Hybrid Equity Plan	8.58	0.78	0.86	1.29
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	4.04	0.97	1.21	1.63
HDFC Retirement Savings Fund - Hybrid Debt Plan	3.45	0.87	0.61	0.95
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	12.33	1.1	1.15	1.65

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Tata Retirement Savings Moderate Fund	N.A.	2,166 Cr	14 yrs 3 m	2.04%
UTI Retirement Fund	N.A.	4,789 Cr	31 yrs 1 m	1.68%
HDFC Retirement Savings Fund - Hybrid Equity Plan	N.A.	1,744 Cr	9 yrs 11 m	2.07%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	N.A.	90 Cr	6 yrs 11 m	2.12%
HDFC Retirement Savings Fund - Hybrid Debt Plan	N.A.	161 Cr	9 yrs 11 m	2.16%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	N.A.	1,082 Cr	6 yrs 11 m	2.15%

View all Retirement Solutions funds

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

Alpha	0.31 vs. 3.23 Underperformed at beating benchmark
Sharpe	0.75 vs. 3.15 Poor risk-adjusted returns
Beta	0.97 vs. 0.84 More sensitive to market's ups & downs
Standard deviation	11.14 vs. 6.19 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 3 m, having been launched on 07/10/2011. Tata Retirement Savings Moderate Fund has ₹2,166 Crores worth of assets under management (AUM) as on 31/12/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Tata Retirement Savings Moderate Fund as of 02/02/2026 is ₹62.16. The fund has an expense ratio of 2.04%, which is higher than what most other Retirement Solutions funds charge. Currently, the fund has a 83.66% allocation to equity and 14.62% to Debt.

Tata Retirement Savings Moderate Fund returns of last 1-year are 2.38%. Since launch, it has delivered 13.66% average annual returns. The fund has doubled the money invested in it every 6 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, Technology 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., Radico Khaitan Ltd., BSE Ltd..

...

Fund AUM	2,166 Cr as on Dec 31, 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	2,25,719 Cr as on Dec 31, 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 Multi Asset Allocation Fund	N.A.	4,805 Cr	14.32%	13.75%
Tata Aggressive Hybrid Fund	N.A.	4,179 Cr	4.95%	11.26%
Tata Balanced Advantage Fund	N.A.	9,691 Cr	5.5%	9.73%
Tata Equity Savings Fund	N.A.	278 Cr	5.98%	8.0%
Tata Retirement Savings Conservative Fund	N.A.	173 Cr	3.68%	6.13%

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 ₹62.1604 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The Tata Retirement Savings Moderate Fund is a 14 yrs 3 m old fund and has delivered average annual returns of 13.66% since inception.

Tata Retirement Savings Moderate Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
2.64%	14.01%	10.79%	12.52%	13.66%

How much does this mutual fund charge as expense ratio?

The Tata Retirement Savings Moderate Fund has an expense ratio of 2.04%, 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 2,166 Cr as on Dec 31, 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.	5.56%
Reliance Industries Ltd.	4.89%
Radico Khaitan Ltd.	4.06%
BSE Ltd.	3.61%
ICICI Bank Ltd.	3.35%
Solar Industries India Ltd.	3.16%
Tata Consultancy Services Ltd.	3.13%
Eternal Ltd.	3.1%
ITC Ltd.	3.01%
Multi Commodity Exchange Of India Ltd.	2.47%

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	24.610000000000003%
Consumer Staples	16.15%
Services	10.06%
Energy	7.569999999999999%
Technology	6.97%
Capital Goods	4.9399999999999995%
Consumer Discretionary	3.42%
Chemicals	3.16%
Construction	3.0300000000000002%
Healthcare	1.69%

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	11.36%
HDFC Bank Ltd.	1.18%
Shivshakti Securitisation Trust	0.93%

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	11.36%
AAA	3.26%
Cash & Call Money	1.72%

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.