TATA Retirement Savings Fund - Conservative - G

NAV ₹31.965 ↓ -0.03 (-0.09 %) as on 1 Jan 26

📑 Table of contents

Scheme Objective
NAV Price Chart
Returns
- Historical Returns
- Compounded Returns
Growth Of 10k Over Years
Holdings / Portfolio
- Portfolio Securities Holdings
- Portfolio Asset Allocation
All Plan & Options
Fund Manager Information
Custodians
Registrar & Transfer Agent (RTA)
Administrator Companies
Auditors

Scheme 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.

Tata Retirement Savings Fund - Conservative is a Solutions - Retirement Fund fund launched on 1 Nov 11. It is a fund with Moderately High risk and has given a CAGR return of 8.6% since its launch. Ranked 7 in Retirement Fund category. Return for 2025 was 3.6% , 2024 was 9.9% and 2023 was 12.1% .

Below is the key information for Tata Retirement Savings Fund - Conservative

NAV as on 1 Jan 26	₹31.965 ↓ -0.03 (-0.09 %)
Net Assets (AUM) as on 15 Dec 2025	₹174 Cr.
Launch Date	1 Nov 2011
Category	Solutions - Retirement Fund
Rating	☆☆☆☆
Type	Open Ended Fund
Risk	Moderately High
AMC	Tata Asset Management Limited

Alpha Ratio	0.0
Expense Ratio	2.18 %
Sharpe Ratio	-0.37
Information Ratio	0.0
Benchmark	Not Available
Min Investment	₹5,000
Min SIP Investment	₹500
Exit Load	0-60 Years (1%),60 Years and above(NIL)

NAV Price Chart

TATA Retirement Savings Fund - Conservative NAV Chart

Returns

Annual Compounded Returns

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Jan 26

Duration	Returns
1 Month	-0.2%
3 Month	1.6%
6 Month	0.2%
1 Year	3.6%
3 Year	8.5%
5 Year	6.6%
10 Year
15 Year
Since launch	8.6%

Historical Annual Returns

Historical performance (Yearly) on absolute basis

Year	Returns
2024	3.6%
2023	9.9%
2022	12.1%
2021	0.1%
2020	7.6%
2019	11.8%
2018	7.6%
2017	0.8%
2016	15.1%

Growth of 10k Over Years

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,758
31 Dec 22	₹10,770
31 Dec 23	₹12,070
31 Dec 24	₹13,264
31 Dec 25	₹13,741

TATA Retirement Savings Fund - Conservative Growth 10k Chart

Asset Allocation

Asset Class	Value
Cash	10.33%
Equity	28.37%
Debt	61.3%

Top Securities Holdings / Portfolio

Holdings/Securities

Name	Global Industry	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -		20%	₹35 Cr	3,500,000
7.17% Govt Stock 2030 Sovereign Bonds \| -		9%	₹15 Cr	1,500,000
7.38% Govt Stock 2027 Sovereign Bonds \| -		9%	₹15 Cr	1,500,000
7.27% Govt Stock 2026 Sovereign Bonds \| -		6%	₹10 Cr	1,000,000
7.36% Govt Stock 2052 Sovereign Bonds \| -		6%	₹10 Cr	1,000,000
Jamnagar Utilities & Power Private Limited Debentures \| -		6%	₹10 Cr	100
8.24% Govt Stock 2027 Sovereign Bonds \| -		3%	₹5 Cr	500,000
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -		3%	₹5 Cr	05
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 11 \| HDFCBANK	Banks - Regional	2%	₹4 Cr	36,000
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 18 \| RELIANCE	Oil & Gas Refining & Marketing	2%	₹3 Cr	18,000

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Fund Managers

Name	Since	Tenure
Murthy Nagarajan	1 Apr 17	8.67 Yr.
Sonam Udasi	1 Apr 16	9.67 Yr.

Custodians

Company	Address
Deutsche Bank AG	1 Great Winchester Street

Registrar & Transfer Agent

Computer Age Management Services Ltd
Address	New No.10, Old No.178,,Kodambakkam High Road,,Opp. Hotel Palmgrove,,Nungambakkam
FAX	91-44-28283610
Email	enq_L@camsonline.com

Administrator Companies

Company	Address
Tata Mutual Fund	1903, B-Wing, Parinee Crescenzo,,G-Block, Bandra Kurla Complex, Bandra East Mumbai 400051

Auditors

Company	Address
Deloitte Haskins & Sells LLP	12, Dr. Annie Besant Road, Opp. Shiv Sagar Estate,,Worli
M/s BSR & Co.	KPMG House, Kamala Mills Compound,448 Senapati Bapat Marg,Lower Parel

All Plan & Options

Fund and Plan	NAV	6 Month	1 Year	3 Year	5 Year
Tata Retirement Savings Fund - Conservative Growth	₹31.965 ↓ -0.03	0.17 %	3.6 %	8.46 %	6.56 %
Data as on 1 Jan 26

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data.

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