
Tata Retirement Savings Conservative Direct Growth
Tata Retirement Savings Conservative Direct Growth
as on 04 Nov 2026
Tata Retirement Savings Conservative Direct Growth is a Solution Oriented mutual fund scheme launched on 01 Jan 2013. The current NAV stands at ₹38.5812 as of 04 Nov 2026. From the funds total AUM, its top holdings include GOI LOAN 6.79% 2034 at 20.84%, GOI LOAN 7.17% 2030 at 9.20%, GOI LOAN 7.38% 2027 at 9.09%, GOI LOAN 6.36% 2031 at 8.93%, Jamnagar Utilities & Power Private Limited at 5.96%
Scheme Overview
- Inception Date : 01 Jan 2013
- AUM : ₹163.84 Cr
- 5Y Returns (CAGR) : 6.44%
- Expense Ratio : 1.06%
- Min. SIP : ₹500
- Min. Lumpsum : ₹5,000
Returns Calculator
basis annualised returns
Investment Type
SIP Amount
Investment Period
5Y
₹ 32.73 L
3.50%
₹ 36.98 L
8.00%
₹ 35.47 L
6.44%
Total Investment
₹ 30,00,000
Returns
₹ 5,47,170 (6.44%)
Maturity Value
₹ 35,47,170
Disclaimer: Fixed deposits offer guaranteed returns. Mutual fund investments carry market risks; read all scheme-related documents carefully. Past performance does not guarantee future returns.
Direct vs Regular Returns
Sorry, No Data Available at this Moment!
Returns vs Category
Sorry, No Data Available at this Moment!
*The above returns are absolute
Returns Vs Nifty 50
Historical Returns
Sorry, No Data Available at this Moment!
Start SIP with as Low as ₹100.
Historical NAV
Sorry, No Data Available at this Moment!
Asset Allocation
AUM
₹ 163.84 Cr
Cash Holding
-
Equity
-
Cash
-
Debt
-
Other
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Asset Allocation
AUM
₹163.84 Cr
Cash Holding
-
Equity
-
Cash
-
Debt
-
Other
-
Sector Holdings
as of 15 Jun 2026
| Sectors | Allocation | Weightage | Value (in Cr.) |
|---|---|---|---|
| Other | 71.53% | ||
| Financial Services | 8.81% | ||
| Consumer Defensive | 4.20% | ||
| Industrials | 4.13% | ||
| Consumer Cyclical | 2.97% | ||
| Energy | 2.78% | ||
| Technology | 2.10% | ||
| Basic Materials | 1.71% | ||
| Healthcare | 1.03% | ||
| Real Estate | 0.39% | ||
| Utilities | 0.37% |
Stock Holdings
as of 15 Jun 2026
Fund Comparison
Fund Details
52W High NAV
₹ 39.3799
Min. SIP Amount
₹ 500.00
Min. Lumpsum Amount
₹ 5,000.00
AUM (in Cr.)
₹ 163.84
Expense Ratio
1.06%
Lock-in Period
5.0 Years
52W Low NAV
₹ 36.0499
Inception Date
01 Jan 2013
Fund Age
13 Yrs
Benchmark
CRISIL Short Term Debt Hybrid 75+25 Index
Scheme Type
Open Ended
Stamp Duty
0.005% (from July 1st 2020)
Exit Load
- Exit load of 1% if redeemed before 61 months.
Tax Implication
- If you redeem within 1 year, STCG are taxed at 20%; If you redeem after 1 year, and returns exceed ₹1.25 Lakhs in a financial year, LTCG are taxed at 12.5%
Fund Managers
| Name | Qualification |
|---|---|
| Murthy Nagarajan | M.COM,PGPMS, ICWA (Inter) |
| Amit Somani | B.Com, PGDBM and CFA Charterholder |
| Sonam Udasi | B.Com, PGDM-Finance |
Fund Objective
To provide a financial planning tool for long term financial security for investors based on their retirement planning goals.
Risk-O-Meter
Investors understand that their principal will be at
Moderately High Risk
Risk Scale
Low
Moderately Low
Moderate
Moderately High
High
Very High
AMC Information
Tata Mutual Fund
No. of Schemes
61
Total AUM
₹ 2,24,429.93 Cr
Contact Details
1903, B-Wing, Parinee Crescenzo,G-Block, Bandra Kurla Complex,Bandra East Mumbai - 400051
Contact Details
1903, B-Wing, Parinee Crescenzo,G-Block, Bandra Kurla Complex,Bandra East Mumbai - 400051
FAQs
When was Tata Retirement Savings Conservative launched?
What is the current NAV of Tata Retirement Savings Conservative?
What is the AUM of Tata Retirement Savings Conservative?
What is the rate of return of Tata Retirement Savings Conservative?
- In the past 1Y: 2.19%
- In the past 3Y: 7.49%
- In the past 5Y: 6.44%
What is the expense ratio of Tata Retirement Savings Conservative?
What is exit load of Tata Retirement Savings Conservative?
What is the portfolio of Tata Retirement Savings Conservative?
- Solar Industries: 1.45%
- ICICI Bank: 1.43%
- Reliance Industries: 1.27%
- BSE: 1.22%
- Coal India: 1.03%
Top 3 sectoral holdings include:
- Others: 71.53%
- Financial Services: 8.81%
- Consumer Defensive: 4.20%
How risky is investing in Tata Retirement Savings Conservative?
Who is the fund manager Tata Retirement Savings Conservative?
What is the minimum investment required in Tata Retirement Savings Conservative?
How to invest in Tata Retirement Savings Conservative directly?
- Open Demat Account on Dhan if you don't have one.
- Analyze the fund performance.
- Invest via SIP or Lumpsum.

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