| Tata Retirement Savings Fund - Conservative Plan |  |
As on 30th September 2026
|
Type of Scheme: A Fund that aims to provide an investment tool for retirement planning to suit the risk profile of the
investor.
Product labelling: • Long Term Capital Appreciation & Current Income.
• A debt oriented (between 70%-100%) savings scheme which provdies tool for retirement planning to individual investors.
Product labelling: • Long Term Capital Appreciation & Current Income.
• A debt oriented (between 70%-100%) savings scheme which provdies tool for retirement planning to individual investors.
Date of Inception / Allotment
Fund Manager Details
Minimum Investment
Load Structure
Scheme Riskometer
Tata Retirement Savings Fund - Conservative Plan
Benchmark Riskometer
Crisil Hybrid 25+75 - Aggressive Index
01 November 2011
Benchmark NameCRISIL Short Term Debt Hybrid 75+25 Index
NAV as on September 30,2026| Regular Plan - Growth Option | : | ₹ 32.2663 |
| Direct Plan - Growth Plan | : | ₹ 38.3166 |
| | ||
| AUM as on September 30,2026 | : | ₹ 165.48 Cr |
| AAUM as on September 30,2026 | : | ₹ 168.98 Cr |
Fund Manager Details
Name of Fund Managers
• Mr. Sonam Udasi
• Mr. Murthy Nagarajan
• Mr. Amit Somani
| Total Experience | : | 28 / 29 / 24 |
| Managing Since | : | 01-Apr-2016 / 01-Apr-2017 / 01-Jun-2026 |
| Lumpsum Amount | : | Rs. 5,000/- and in multiples of Re. 1/- thereafter. |
| SIP | : | Rs. 100/- and in multiples of Re. 1/- thereafter. |
Exit Load:1) Nil – If redemption or switch out on or
after attainment of retirement age i.e. 60years.2) Nil –
In case of Auto switch out of units on occurrence of
Auto switch trigger event.3 ) Exit Load is 1% – If
redeemed before 61 months from the date of
allotment. The above condtions applicable (w.e.f. 3rd
May, 2019)
Base Expense Ratio**
| Regular | : | 1.83% | |
| Direct | : | 0.85% | |
| Risk Measures* | |||
| 1 | Standard Deviation (%) | 5.68 | |
| 2 | Beta | 1.24 | |
| 3 | Tracking Error (%) | ||
| 1 year | NA | ||
| 3 years | NA | ||
| 4 | Sharpe Ratio (%) | 0.19 | |
| 5 | Tracking Difference (%) | ||
| 1 year | NA | ||
| 3 years | NA | ||
| 5 year | NA | ||
| Since Inception | NA | ||
| 6 | Information Ratio | NA | |
|
* Please refer detail description in Description/inference of the Quantitative/Risk Measures
in tabular format
NA stands for “Not Applicable” **Note: The rates specified are actual month end BER charged as on 30th Sep 2026. The above ratio excludes other expenses charged under TER. For more details kindly refer to the TER disclosure on website. https://www.tatamutualfund.com/expenseratio/ total-expense-ratio | |||
| Compounded Annualised Returns | Scheme Returns % - Regular | Scheme Returns % - Direct | Benchmark Returns % |
| Returns for last 1 year | 2.47 | 3.68 | 3.06 |
| Returns for last 3 years | 6.13 | 7.39 | 7.58 |
| Returns for last 5 years | 5.21 | 6.46 | 6.89 |
| Returns since inception | 8.17 | 9.40 | 9.25 |
Performance as on September 30,2026.
| Top 10 Holdings | % to Net Assets | |
| 1 | Solar Industries India Ltd. | 1.50% |
| 2 | ICICI Bank Ltd. | 1.44% |
| 3 | Eternal Ltd. | 1.22% |
| 4 | Reliance Industries Ltd. | 1.16% |
| 5 | Multi Commodity Exchange Of India Ltd. | 1.09% |
| 6 | Ather Energy Ltd. | 1.07% |
| 7 | Coal India Ltd. | 0.99% |
| 8 | Adani Ports & Special Economic Zone Ltd. | 0.78% |
| 9 | Dixon Technologies (india) Ltd. | 0.78% |
| 10 | Doms Industries Ltd | 0.76% |
| 1 | Portfolio Turnover Ratio (Annualized) | |
| a) Equity Turnover (%) | NA | |
| b) Gross Exposure Turnover (%) | NA | |
| (Equity + Debt + Derivatives) | ||
| 2 | Average Maturity (years): | 8.63 |
| 3 | Macaulay Duration (years): | 4.75 |
| 4 | Modified Duration (years): | 4.59 |
| 5 | Annualized Portfolio Yield (%): | NA |
| 6 | Yield to Maturity (%) | 7.19 |
* Please refer detail description in Description/inference of the Quantitative/Risk Measures
in tabular format
NA stands for “Not Applicable”
| 1 | Mandatory Retirement Lock-in / Pre- Retirement Exit Load Risk | |
| 2 | Interest Rate & Price Volatility Risk on Debt Securities | |
| 3 | Credit Default & Rating Downgrade Risk | |
| 4 | Reinvestment & Liquidity Risk on Fixed Income Portfolio | |
| 5 | Limited Equity Allocation & Inflation Risk |
*with a detailed explanation in the Important Link Section
Tata Retirement Savings Fund - Conservative Plan
Benchmark Riskometer
Crisil Hybrid 25+75 - Aggressive Index
| Detailed Investment in Securities |  |
| Allocation of Net Asset by Sectors | |
| Allocation of Net Asset by Asset Class | |
| Allocation of Net Assets by Credit Rating | |
| Allocation of Net Assets by region/country | |
Major Changes w.r.t previous month –
| Name of securities added | Name of securities deleted/reduced | Total Weightage in % |
| 6.4 Jamnagar Utilities & Power Pvt. Ltd. Sep 29 2026 | 5.84% | |
| Solar Industries India Ltd. | 1.61% | |
| Polycab India Ltd. | 0.70% | |
| One 97 Communications Ltd. | 0.64% | |
| Titan Company Ltd. | 0.60% | |
| Metro Brands Ltd. | 0.30% |
| Change in | Previous Month | Current Month |
| Direct | 0.85% | 0.85% |
| Regular | 1.83% | 1.83% |
| Name of security |
Rating Previous Month |
Rating Current Month |
| NA | NA | NA |
| Fund Name | Previous Month | Current Month |
| Scheme Riskometer | Moderately High | Moderately High |
| Sr. No. | Quantitative Measures/Risk Measures | Brief description/ Inference of the Quantitative measure |
| 1 | Standard Deviation | Measures the volatility of the fund |
| 2 | Beta | Shows fund's sensitivity to market movements |
| 3 | Sharpe Ratio | Evaluates the excess return generated per unit of risk |
| 4 | Tracking Error | Indicates how closely fund tracks the Benchmark |
| 5 | Tracking Difference | Difference between the fund and its benchmark return |
| 6 | Portfolio Turnover Ratio | Indicates how actively the portfolio changes |
| 7 | Average Maturity | Weighted average residual maturity |
| 8 | Macaulay Duration | Fund's sensitivity to interest rate changes |
| 9 | Modified Duration | Fund's sensitivity to interest rate changes |
| 10 | Annualized Portfolio Yield | Total income generated by the portfolio |
| 11 | Yield to Maturity | weighted average expected annual return |
| Sr. No. | Links | Description |
| 1 | Video Explainer | Link for a video providing simplified explanation of the Fund Factsheet along with explanation to various terminologies used. |
| 2 | Calculation/Methodology | Link for a pdf showing the various mathematical parameters and their respective Calculation methodology/formulae along with any assumptions considered. |
| 3 | Detailed Risk Factors | Link to be provided for various risk factors associated with the Scheme. |
| 4 |  | Link for SID on AMC website. |
| 5 | Investor Services | Link showing Contact details (Email ID and Telephone Number of the Investor). |
| 6 | Grievance submission and redressal | Link directing to grievance submission page with details showing Escalation matrix. |
Additional Disclosure by AMC
To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no
assurance that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends.
Past Performance is not an indicator or guarantee of future results