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 | ₹69.12 (as of 2026-08-21) |
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| AUM | ₹2,218 Cr |
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| Expense ratio | 1.73% |
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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 | 10.85% |
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| Sharpe ratio | 0.49 |
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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 79.7% of Nifty 500's upside and 74.4% of its downside.
Market cap allocation
| Large cap | 52.9% |
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| Mid cap | 23.1% |
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| Small cap | 24.0% |
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Concentration
| Top 5 holdings | 18.4% |
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| Top 10 holdings | 29.6% |
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| Total holdings | 54 |
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Top holdings
- ICICI Bank Ltd. — 4.4%
- Solar Industries India Limited — 4.4%
- Reliance Industries Ltd — 3.4%
- GOI - 6.36% (16/02/2031) — 3.2%
- Eternal Limited — 3.1%
- Radico Khaitan Ltd. — 3.0%
- Multi Commodity Exchange of India Ltd — 2.5%
- NIPPON LIFE INDIA ASSET MANAGEMENT LIMITED — 2.4%
- Polycab India Limited — 2.2%
- 360 ONE WAM LIMITED — 2.1%
Top sectors
- Banking & Financial — 20.8%
- Food Beverage & Tobacco — 7.1%
- Consumer Durables — 5.6%
Calendar-year track record
| Year | Return | Quartile | Category rank |
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| 2026 (partial) | 6.4% | Q1 (Top) | #1 of 8 |
| 2025 | 1.0% | Q4 (Bottom) | #8 of 8 |
| 2024 | 19.5% | Q2 | #3 of 8 |
| 2023 | 25.3% | Q1 (Top) | #2 of 7 |
| 2022 | -1.9% | Q3 | #6 of 7 |