Tata Retirement Savings Fund Conservative
The fund seeks to provide a financial planning tool for long term financial security for investors based on their retirement planning goals.
Growthvine rating: 2/5 — ranked #6 of 11 in category.
Fund basics
| Category | Solution: Retirement Debt |
|---|---|
| NAV | ₹32.12 (as of 2026-10-01) |
| AUM | ₹171 Cr |
| Expense ratio | 1.83% |
| Riskometer | Moderately High |
| Fund manager | Sonam Udasi |
| Exit load | 1% for redemption within 1829 days |
Performance & risk
| 5-year annualised return | 5.13% |
|---|---|
| Sharpe ratio | 0.27 |
| Standard deviation | 5.38% |
| Max drawdown | −11.10% |
| Alpha | 0 |
| Beta | 0 |
Over 5 years, captured 38.4% of Nifty 500's upside and 28.5% of its downside.
Market cap allocation
Concentration
Top holdings
Not disclosed.
Top sectors
Not disclosed.
Calendar-year track record
| Year | Return | Quartile | Category rank |
|---|---|---|---|
| 2026 (partial) | 0.4% | Q2 | #5 of 10 |
| 2025 | 3.6% | Q4 (Bottom) | #9 of 10 |
| 2024 | 9.9% | Q2 | #4 of 10 |
| 2023 | 12.1% | Q2 | #5 of 10 |
| 2022 | 0.1% | Q4 (Bottom) | #9 of 10 |