Tata Retirement Savings Fund Moderate
The fund seeks to provide a financial planning tool for long term financial security for investors based on their retirement planning goals.
Growthvine rating: 4/5 — ranked #2 of 9 in category.
Fund basics
| Category | Solution: Retirement Hybrid |
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| NAV | ₹64.40 (as of 2026-10-01) |
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| AUM | ₹2,251 Cr |
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| Expense ratio | 1.72% |
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| Riskometer | Very High |
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| Fund manager | Sonam Udasi |
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| Exit load | 1% for redemption within 1829 days |
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Performance & risk
| 5-year annualised return | 8.08% |
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| Sharpe ratio | 0.5 |
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| Standard deviation | 13.76% |
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| Max drawdown | −29.74% |
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| Alpha | 0 |
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| Beta | 0 |
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Over 5 years, captured 81.9% of Nifty 500's upside and 76.3% of its downside.
Market cap allocation
| Large cap | 53.4% |
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| Mid cap | 22.2% |
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| Small cap | 24.4% |
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Concentration
| Top 5 holdings | 18.9% |
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| Top 10 holdings | 29.5% |
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| Total holdings | 53 |
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Top holdings
- Solar Industries India Limited — 4.7%
- ICICI Bank Ltd. — 4.4%
- Eternal Limited — 3.4%
- Reliance Industries Ltd — 3.3%
- Multi Commodity Exchange of India Ltd — 3.1%
- GOI - 6.36% (16/02/2031) — 3.1%
- CASH / NET CURRENT ASSET — 2.9%
- Radico Khaitan Ltd. — 2.5%
- REPO — 2.3%
- 360 ONE WAM LIMITED — 2.1%
Top sectors
Not disclosed.
Calendar-year track record
| Year | Return | Quartile | Category rank |
|---|
| 2026 (partial) | −0.9% | Q1 (Top) | #1 of 9 |
| 2025 | 1.0% | Q4 (Bottom) | #9 of 9 |
| 2024 | 19.5% | Q1 (Top) | #3 of 9 |
| 2023 | 25.3% | Q1 (Top) | #2 of 8 |
| 2022 | −1.9% | Q4 (Bottom) | #7 of 8 |