Data shown is for informational purposes only and does not constitute investment advice. TopFund is not SEBI-registered. Consult a SEBI-registered advisor before investing.
Tata Retirement Savings Fund- Conservative Plan-Direct Plan-Growth Option
★★★★★ 3rd-party
External rating
- Source: Third-party data provider (Groww/CRISIL)
- Original rating: 2/5, displayed as-is — TopFund does not modify third-party ratings
- Refresh frequency: Whenever TopFund re-syncs this fund's data
- Limitations: The provider's own rating methodology isn't disclosed here — see the provider's own site for their criteria
TopFund Score: 50/100 · Average
How this score is calculated
- Star rating (35%)2/5
- 3Y CAGR (30%)8.02%
- Expense ratio (20%)1.06%
- AUM (15%)₹171 Cr
Not investment advice — an analytical read of public fund data. Methodology →
Tata Mutual Fund · Hybrid · Conservative Hybrid
₹38.89
AUM: ₹171 Cr
NAV updated 4 days ago
Plan
Direct
Option
Growth
Risk
High
Expense Ratio
1.06%
Exit Load
Exit load of 1% if redeemed before 61 months.
Fund Manager
Murthy Nagarajan, Sonam Udasi
Inception
Jan 2013
Benchmark
CRISIL Short Term Debt Hybrid 75+25 Index
Sharpe Ratio
-0.21
Std Dev (1Y)
4.9%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
-1.03%
3m
+0.75%
6m
+6.07%
1y
+4.18%
3y
+8.02%
5y
+6.71%
10y
+8.23%
since inception
+9.52%
TopFund's Take on Tata Retirement Savings Fund- Conservative Plan-Direct Plan-Growth Option
Tata Retirement Savings Fund- Conservative Plan-Direct Plan-Growth Option sits in the middle of the pack for Conservative Hybrid funds, currently carrying a 2-star rating. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 50/100.
Cost: At 1.06%, the expense ratio runs 28% above the Conservative Hybrid category average of 0.83%. That gap is worth weighing against the fund's actual performance versus cheaper peers before committing to a long SIP.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -0.21 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, annualised volatility of 4.9% is on the lower side for a Conservative Hybrid fund, suggesting a comparatively smoother ride.
Who should invest: This fund is best suited to investors who want a single fund blending equity growth with debt-driven stability. The High risk rating means near-term volatility should be expected — this isn't a fund to check daily.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
Sector Allocation
Asset Allocation
Fund Snapshot
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Tools & Guides for This Fund
Frequently Asked Questions about Tata Retirement Savings Fund- Conservative Plan-Direct Plan-Growth Option
The current NAV (Net Asset Value) of Tata Retirement Savings Fund- Conservative Plan-Direct Plan-Growth Option is ₹38.89. NAV is updated every business day after market close by AMFI.
1Y: 4.18% · 3Y CAGR: 8.02% · 5Y CAGR: 6.71%
The expense ratio of Tata Retirement Savings Fund- Conservative Plan-Direct Plan-Growth Option is 1.06% per annum. This is the annual fee charged by the fund to manage your investment.
Tata Retirement Savings Fund- Conservative Plan-Direct Plan-Growth Option is managed by Murthy Nagarajan, Sonam Udasi at Tata Mutual Fund.
Tata Retirement Savings Fund- Conservative Plan-Direct Plan-Growth Option is classified as a High risk fund. It is suitable for investors with a long-term horizon of 3+ years.
Tata Retirement Savings Fund- Conservative Plan-Direct Plan-Growth Option is a Conservative Hybrid fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in Tata Retirement Savings Fund- Conservative Plan-Direct Plan-Growth Option with as little as ₹500 per month through most mutual fund platforms. The minimum lump sum investment is typically ₹1,000.
The Assets Under Management (AUM) of Tata Retirement Savings Fund- Conservative Plan-Direct Plan-Growth Option is ₹171 crore. AUM indicates the total market value of assets managed by the fund.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.
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