September 18, 2025
RA Jainee
Tata Retirement Savings Fund-Moderate Plan details, NAV, Portfolio, Returns, Peer Comparison, Fund Managers & Guidance by sahifund.com
NAV Growth: Rs 77.8643
Suitable For Which Investors?
When you invest for five years or more, you can expect gains that comfortably beat the inflation rate as well as returns from fixed income options. But be prepared for ups and downs in your investment value along the way.
Aggressive hybrid funds invest 65-80 per cent of your money in equity shares and the rest in bonds. Their returns are slightly lower than those of pure equity funds which invest all your money in shares, but they also fall relatively less when the stock markets decline. This makes them suitable for conservative equity investors or first-time equity investors who are not used to sharp ups and downs.
Like for all equity-linked investments, you must invest only through the SIP route.
Fund’s Investment Strategy:
The fund seeks to provide a financial planning tool for long term financial security for investors based on their retirement planning goals.
Fund Manager:
1) Sonam Udasi
Education: Mr. Udasi is a B.Com and also holds PGDM(Finance).
Experience: 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.
2) Murthy Nagarajan
Education: Mr. Nagarajan is a M.Com, ICWA and PGPMS.
Experience: Prior to joining Tata AMC he has worked with Quantum AMC as head fixed income, Mirae Asset Global Investment India Ltd..
Investment Details
| Min. Investment (Rs) | 5,000 |
| Min. Addl Investment (Rs) | 1,000 |
| Min. SIP Investment (Rs) | 150 |
| Min. Withdrawal (Rs) | 500 |
| Min. No of Cheques | 12 |
| Min. Balance (Rs) | 500 |
| Lock-in Period | 5 Years |
| Exit Load | 1% for redemption within 1829 days |
Basic Details of Tata Retirement Savings Fund-Moderate Plan
| Fund House | Tata Mutual Fund |
| Launch Date | 01-Jan-13 |
| Return Since Launch | 15.76% |
| Benchmark | CRISIL Hybrid 25+75 Aggressive Index |
| Riskometer | Very High |
| Type | Open-ended |
| Assets | Rs 2,115 Cr |
| (As on 31-Aug-2025) | |
| Expense | 0.60% |
| (As on 31-Aug-2025) | |
| Risk Grade | Average |
| Return Grade | Average |
| Turnover | 38.35% |
Trailing Returns (%)
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| Tata Retirement Savings Moderate Dir | 2.47 | 0.38 | 2.62 | 0.73 | 16.19 | 0.82 | 16.06 | 16.63 | 13.37 | 14.13 |
| VR Aggressive Hybrid TRI | 5.76 | 0.28 | 2.96 | 2.30 | 14.03 | 0.02 | 14.71 | 17.59 | 13.32 | 13.33 |
| Hybrid: Aggressive Hybrid | 5.35 | 0.33 | 2.73 | 2.68 | 13.83 | 2.10 | 16.14 | 18.42 | 13.76 | 13.33 |
| Rank within category | 39 | 10 | 23 | 42 | 8 | 34 | 19 | 29 | 18 | 8 |
| Number of funds in category | 44 | 45 | 44 | 44 | 44 | 44 | 42 | 39 | 33 | 24 |
Peer Comparison of Tata Retirement Savings-Moderate Plan
| Rating | 1 Year Returns | 3 Year Returns | 5 Year Returns | Expense Ratio (%) | Net Assets (Rs Cr) | Return Since Launch (%) | Exit Load (Days) | Fund Age | Turnover (%) | |
| Tata Retirement Savings Moderate Dir | 3 star | 0.82 | 16.06 | 16.63 | 0.60 | 2,115 | 15.76 | 1.00 (1829) | 12Y 8M | 38.35 |
| ICICI Pru Equity & Debt Dir | 5 star | 5.96 | 20.66 | 26.21 | 0.96 | 45,168 | 17.67 | 1.00 (365) | 12Y 8M | 31.00 |
| DSP Aggressive Hybrid Dir | 4 star | 3.98 | 17.09 | 18.35 | 0.65 | 11,333 | 14.42 | 1.00 (364) | 12Y 8M | 25.00 |
| HDFC Children’s Dir | 5 star | 0.53 | 15.96 | 19.13 | 0.91 | 10,119 | 15.76 | — | 12Y 8M | 16.31 |
| Kotak Aggressive Hybrid Dir | 4 star | 3.24 | 17.11 | 20.87 | 0.47 | 7,853 | 14.55 | 1.00 (365) | 12Y 8M | 68.42 |
Portfolio Analysis of Tata Retirement Savings Fund-Moderate Plan
| No. of Stocks | 45 |
| Top 10 Holdings | 36.97% |
| Top 5 Stocks | 22.27% |
| Top 3 Sectors | 44.82% |
| Portfolio P/B Ratio | 4.37 |
| Portfolio P/E Ratio | 28.22 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 1,07,761 | 2,04,756 |
| Giant (%) | 38.17 | 58.44 |
| Large (%) | 20.03 | 17.13 |
| Mid (%) | 35.26 | 18.69 |
| Small (%) | 6.54 | 7.32 |
| Tiny (%) | — | 0.55 |
| Fund | Category | |
| Number of Securities | 58 | 85 |
| Macaulay Duration (yrs) | — | — |
| Average Maturity (yrs) | — | — |
| Yield to Maturity (%) | — | — |
| Avg Credit Rating | AAA | — |
Chanakya’s Mutual Fund Guidance For Tata Retirement Savings-Moderate Plan
WILL POST SOON
Disclaimer: Mutual fund investments are subject to market risks. Read all scheme related documents carefully
Apply Online: https://online.tatamutualfund.com/login
>> Post your MF questions @ sahifund.com/ask-me/
>> NFO Guidance:
https://sahifund.com/category/nfos/
Quicklinks
- Chanakyanipothi.com
- Staffavailable.com
- BigGaddi.com
- Latest IPO GMP
- Best Stocks to buy today
- Grey Market Premium
- Upcoming IPOs
- Subscription Status