Tata Retirement Savings Fund - Conservative Plan (An open ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier)) |
Tata Retirement Savings Fund - Conservative Plan (An open ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier)) |
As on 31st May 2024
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A Fund that aims to provide an investment tool for retirement planning to suit the risk profile of the investor.
INVESTMENT OBJECTIVE: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.
DATE OF ALLOTMENT:November 01, 2011
FUND MANAGER(S)Sonam Udasi (Managing Since 01-Apr-16 and overall experience of 26 years) (Equity) & Murthy Nagarajan (Managing since 01-Apr-17 and overall experience of 27 years) (Debt)
BENCHMARK:CRISIL Short Term Debt Hybrid 75+25 Index
NAVDirect - Growth | : 33.8160 |
Reg - Growth | : 29.2700 |
FUND SIZE | |
Rs. 167.07 (Rs. in Cr.) | |
MONTHLY AVERAGE AUM | |
Rs. 166.12 (Rs. in Cr.) | |
EXPENSE RATIO** | |
Direct | 0.97 |
Regular | 2.17 |
**Note: The rates specified are actual month end expenses charged as on May 31, 2024. The above ratio includes the Service tax on Investment Management Fees. The above ratio excludes, borrowing cost, wherever applicable. |
VOLATILITY MEASURES^ | FUND | BENCHMARK |
Std. Dev (Annualised) | 3.93 | 3.71 |
Portfolio Beta | 0.96 | NA |
R Squared | 0.87 | NA |
Treynor | 0.01 | NA |
Jenson | -0.12 | NA |
Portfolio Macaulay Duration | : | 2.67 Years |
Modified Duration | : | 2.57 Years |
Average Maturity | : | 4.30 Years |
Annualized Yield to Maturity (For Debt Component)* | ||
- Including Net Current Assets | : | 7.36% |
*Computed on the invested amount for debt portfolio | ||
^Risk-free rate based on the FBIL Overnight MIBOR rate of 6.76% as
on May 31, 2024 For calculation methodology |
Rs. 5,000/- and in multiples of Re. 1/- thereafter.
ADDITIONAL INVESTMENT/Rs. 1,000/- and multiples of Re. 1/- thereafter.
LOAD STRUCTURE:ENTRY LOAD | Not Applicable |
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) |
Company Name | No. of Shares | Market Value Rs Lakhs | % to NAV |
Equity & Equity Related Total | 4810.65 | 28.76 | |
Aerospace And Defense | |||
Bharat Electronics Ltd. | 30000 | 88.79 | 0.53 |
Agricultural Food & Other Products | |||
Tata Consumer Products Ltd. | 8000 | 84.82 | 0.51 |
Agricultural, Commercial & Construction Vehicles | |||
Jupiter Wagons Ltd. | 25000 | 150.55 | 0.90 |
Auto Components | |||
Exide Industries Ltd. | 20000 | 97.65 | 0.58 |
Bosch Ltd. | 310 | 94.22 | 0.56 |
Pricol Ltd. | 12000 | 52.40 | 0.31 |
Automobiles | |||
Maruti Suzuki India Ltd. | 200 | 24.80 | 0.15 |
Banks | |||
HDFC Bank Ltd. | 17750 | 271.85 | 1.63 |
ICICI Bank Ltd. | 11000 | 123.32 | 0.74 |
Karur Vysya Bank Ltd. | 53846 | 106.13 | 0.64 |
Bandhan Bank Ltd. | 33600 | 63.27 | 0.38 |
Beverages | |||
Radico Khaitan Ltd. | 6500 | 102.47 | 0.61 |
United Spirits Ltd. | 4500 | 52.17 | 0.31 |
Capital Markets | |||
Bse Ltd. | 4000 | 107.75 | 0.64 |
Uti Asset Management Company Ltd. | 5240 | 47.61 | 0.28 |
Cement & Cement Products | |||
ACC Ltd. | 4000 | 101.86 | 0.61 |
Chemicals & Petrochemicals | |||
Solar Industries India Ltd. | 1640 | 153.68 | 0.92 |
Pidilite Industries Ltd. | 1800 | 53.45 | 0.32 |
Consumer Durables | |||
Metro Brands Ltd. | 8001 | 90.86 | 0.54 |
Titan Company Ltd. | 2200 | 71.32 | 0.43 |
Dixon Technologies (India) Ltd. | 730 | 68.59 | 0.41 |
Campus Activewear Ltd. | 18000 | 49.92 | 0.30 |
Amber Enterprises India Ltd. | 980 | 35.27 | 0.21 |
Diversified | |||
3M India Ltd. | 367 | 122.52 | 0.73 |
Godrej Industries Ltd. | 4000 | 31.47 | 0.19 |
Diversified Fmcg | |||
ITC Ltd. | 55000 | 234.55 | 1.40 |
Electrical Equipment | |||
Voltamp Transformers Ltd. | 500 | 56.29 | 0.34 |
Ferrous Metals | |||
Jindal Steel & Power Ltd. | 5400 | 55.52 | 0.33 |
Finance | |||
Muthoot Finance Ltd. | 3600 | 60.60 | 0.36 |
Jio Financial Services Ltd. | 13000 | 44.77 | 0.27 |
Financial Technology (Fintech) | |||
Pb Fintech Ltd. | 5900 | 76.37 | 0.46 |
Food Products | |||
Bikaji Foods International Ltd. | 18000 | 106.89 | 0.64 |
Nestle India Ltd. | 3500 | 82.42 | 0.49 |
Gas | |||
Petronet Lng Ltd. | 20000 | 59.47 | 0.36 |
Mahanagar Gas Ltd. | 3600 | 46.73 | 0.28 |
Household Products | |||
Doms Industries Ltd. | 5800 | 111.68 | 0.67 |
It - Services | |||
Cyient Ltd. | 3400 | 58.98 | 0.35 |
It - Software | |||
Tata Consultancy Services Ltd. | 3277 | 120.30 | 0.72 |
Industrial Manufacturing | |||
Kaynes Technology India Ltd. | 2000 | 67.78 | 0.41 |
Industrial Products | |||
Apl Apollo Tubes Ltd. | 9000 | 135.44 | 0.81 |
Polycab India Ltd. | 1350 | 91.01 | 0.54 |
Kirloskar Pneumatic Company Ltd. | 5000 | 61.27 | 0.37 |
Media | |||
Praveg Ltd. | 5400 | 43.95 | 0.26 |
Oil | |||
Oil India Ltd. | 15624 | 99.32 | 0.59 |
Petroleum Products | |||
Reliance Industries Ltd. | 8730 | 249.75 | 1.49 |
Indian Oil Corporation Ltd. | 57000 | 92.57 | 0.55 |
Pharmaceuticals & Biotechnology | |||
Aurobindo Pharma Ltd. | 9000 | 106.71 | 0.64 |
Power | |||
NTPC Ltd. | 15000 | 53.85 | 0.32 |
Adani Energy Solutions Ltd. | 4085 | 45.87 | 0.27 |
Realty | |||
Sunteck Realty Ltd. | 10200 | 48.04 | 0.29 |
Swan Energy Ltd. | 7500 | 43.11 | 0.26 |
Retailing | |||
Zomato Ltd. | 66000 | 118.24 | 0.71 |
Avenue Supermarts Ltd. | 1800 | 77.44 | 0.46 |
Transport Infrastructure | |||
Adani Ports And Special Economic Zone Ltd. | 8000 | 114.99 | 0.69 |
Name of the Instrument | Ratings | Market Value Rs. Lakhs | % to NAV |
Debt Instruments | |||
Government Securities | 6427.34 | 38.49 | |
GOI - 7.38% (20/06/2027) | SOV | 1513.19 | 9.06 |
GOI - 7.17% (17/04/2030) | SOV | 1508.00 | 9.03 |
GOI - 7.36% (12/09/2052) | SOV | 1028.32 | 6.16 |
GOI - 7.27% (08/04/2026) | SOV | 1004.38 | 6.01 |
GOI 8.24% 15/02/2027 | SOV | 514.20 | 3.08 |
GOI - 8.20% (24/09/2025) | SOV | 507.15 | 3.04 |
SDL Maharashtra 8.44% (26/11/2024) | SOV | 352.10 | 2.11 |
Non-Convertible Debentures/Bonds | 3464.63 | 20.73 | |
05.70 % Bajaj Housing Finance Ltd. | CRISIL AAA | 999.53 | 5.98 |
07.42 % Power Finance Corporation | CRISIL AAA | 998.08 | 5.97 |
06.40 % Jamnagar Utilities & Power Pvt. Ltd. (Mukesh Ambani Group) | CRISIL AAA | 968.76 | 5.80 |
08.60 % Bharti Telecom Ltd. | CRISIL AA+ | 498.26 | 2.98 |
Repo | 160.57 | 0.96 | |
Portfolio Total | 14863.19 | 88.94 | |
Cash / Net Current Asset | 1843.50 | 11.06 | |
Net Assets | 16706.69 | 100.00 |