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Fund Summary
Tata Retirement Savings Fund Moderate (G)
[Solution: Retirement Equity]  
 
Fund Details
Fund Type Growth Launch Date 01-Nov-11
Corpus(Cr.) 2115.0 Latest NAV 65.3871 As on 18-11-2025
Equity(%) 80.74 52 Week High 66.1843
Debt(%) 19.26 52 Week Low 55.9976
Others(%) 0.0 Exit Load 1% for redemption within 1829 days
Minimum Investment - Availability
Entry Load Nil Expense Ratio(%) 2.00
Scheme Benchmark CRISIL Hybrid 25+75 Aggressive Index Broader Benchmark Hybrid 35 Debt+65 Equity Aggressive Index
Fund Manager Sonam Udasi
 
Riskometer
Investors understand that their principal will be at Very High risk
 
Scheme Objective
The fund seeks to provide a financial planning tool for long term financial security for investors based on their retirement planning goals.

Portfolio Classification
 
Asset Mix
 
Concentration Analysis
Top 5 Holdings 22.27%
Top 10 Holdings 38.09%
Top 25 Holdings 64.68%
 
Sector Analysis
Sector/Ratings Net Asset(%)
Banking & Financial 18.61
SOV 11.86
Consumer Durables 8.35
Food Beverage & Tobacco 7.78
Retail 7.27
Software & Services 6.22
Cash 4.75
Oil & GAS 4.73
Finance & Investments 4.26
Petroleum Products 3.64
Chemicals 3.62
Industrial Products 3.57
FMCG 3.13
AAA 2.65
Automobile 2.61
Agricultural & Farm Machinery 1.88
SERVICES 1.4
Healthcare 1.25
Miscellaneous 1.23
Transportation 1.19
 
 
 
 
 
Portfolio Metrics
PB Ratio 4.37
PE Ratio 28.22
 
Top 25 Holdings
Holdings Net Asset(%)
GOI - 6.79% (07/10/2034) 5.96
HDFC Bank Limited 5.46
Reliance Industries Limited 3.64
Solar Industries India Limited 3.62
Radico Khaitan Limited 3.59
Eternal Limited 3.58
ITC Limited 3.13
CASH / NET CURRENT ASSET 3.09
Tata Consultancy Services Limited 3.08
Bombay Stock Exchange Limited (BSE) 2.94
Nippon Life Asset Management Ltd 1.97
Mahanagar Gas Limited 1.97
KARUR VYSYA BANK LTD. 1.95
Tata Consumer Products Limited 1.88
Polycab India Limited 1.81
ICICI Bank Limited 1.80
Kirlosakar Pneumatic Company Ltd 1.76
BIKAJI FOODS INTERNATIONAL LIMITED 1.74
Exide Industries Limited 1.74
Bajaj Finserv Limited 1.71
Doms Industries Limited 1.68
MULTI COMMODITY EXCHANGE OF IN 1.68
REPO 1.66
Muthoot Finance Limited 1.66
360 ONE WAM LIMITED 1.58

Performance Analysis
 
Short Terms Returns
1 Month 3 Month 6 Month 1 Year
0.06% 1.73% 2.88% 6.03%
 
Broader Market Benchmark [Hybrid 35 Debt+65 Equity Aggressive Index]
3.00% 4.98% 5.65% 11.18%
 
Scheme Benchmark [Hybrid 35 Debt+65 Equity Aggressive Index]
3.00% 4.98% 5.65% 11.18%
 
Long term Returns
2 Year 3 Year 5 Year 10 Year
13.57% 14.99% 13.99% 12.64%
 
 
15.10% 12.87% 15.08% 13.06%
 
 
15.10% 12.87% 15.08% 13.06%
 
Cumulative Performance of Last 5 Years
 
Calendar Year Returns

Risk Analysis
 
Absolute Metrics (Single Computation - last 3 years)
Scheme Name Standard Deviation Sharpe Ratio Downside Deviation Downside Probability Sortino Ratio
Tata Retirement Savings Fund Moderate (G) 11.25% 0.6453 10.2188% 41.0811 0.1077
 
Benchmark Relative Metrics (Single Computation - last 3 years)
Scheme Name Alpha Beta Treynor Ratio Tracking Error Information Ratio
Tata Retirement Savings Fund Moderate (G) 8.1659% 0.0000 -1.2975 18.4663 1.4921
 
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