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 |
|---|
| NAV | ₹62.35 (as of 2026-10-23) |
|---|
| AUM | ₹2,115 Cr |
|---|
| Expense ratio | 1.74% |
|---|
| Riskometer | Very High |
|---|
| Fund manager | Sonam Udasi |
|---|
| Exit load | 1% for redemption within 1829 days |
|---|
Performance & risk
| 5-year annualised return | 8.08% |
|---|
| Sharpe ratio | 0.33 |
|---|
| Standard deviation | 14.32% |
|---|
| Max drawdown | −29.74% |
|---|
| Alpha | 0 |
|---|
| Beta | 0 |
|---|
Over 5 years, captured 81.9% of Nifty 500's upside and 76.3% of its downside.
Market cap allocation
| Large cap | 54.5% |
|---|
| Mid cap | 21.6% |
|---|
| Small cap | 23.9% |
|---|
Concentration
| Top 5 holdings | 19.0% |
|---|
| Top 10 holdings | 29.5% |
|---|
| Total holdings | 52 |
|---|
Top holdings
- Solar Industries India Limited — 4.7%
- ICICI Bank Ltd. — 4.3%
- REPO — 4.0%
- Eternal Limited — 3.5%
- Multi Commodity Exchange of India Ltd — 3.2%
- Reliance Industries Ltd — 3.2%
- CASH / NET CURRENT ASSET — 2.9%
- Radico Khaitan Ltd. — 2.6%
- GOI - 6.36% (16/02/2031) — 2.1%
- Adani Ports and Special Economic Zone Ltd — 2.1%
Top sectors
Not disclosed.
Calendar-year track record
| Year | Return | Quartile | Category rank |
|---|
| 2026 (partial) | −4.0% | Q1 (Top) | #3 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 |