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- Moderate Plan -Direct Plan-Growth Option
★★★★★ 3rd-party
External rating
- Source: Third-party data provider (Groww/CRISIL)
- Original rating: 3/5, 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: 73/100 · Good
How this score is calculated
- Star rating (35%)3/5
- 3Y CAGR (30%)12.84%
- Expense ratio (20%)0.84%
- AUM (15%)₹2,251 Cr
Not investment advice — an analytical read of public fund data. Methodology →
Tata Mutual Fund · Hybrid · Aggressive Hybrid
₹81.59
AUM: ₹2,251 Cr
NAV updated 5 days ago
Plan
Direct
Option
Growth
Risk
High
Expense Ratio
0.84%
Exit Load
Exit load of 1% if redeemed before 61 months.
Fund Manager
Murthy Nagarajan, Sonam Udasi
Inception
Jan 2013
Benchmark
CRISIL Hybrid 25+75 Aggressive Index
Sharpe Ratio
0.5
Std Dev (1Y)
12.45%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
-2.35%
3m
+0.84%
6m
+15.02%
1y
+5.43%
3y
+12.84%
5y
+10.53%
10y
+12.78%
since inception
+15.2%
TopFund's Take on Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option
Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option holds up reasonably well within the Aggressive Hybrid category, currently carrying a 3-star rating. It has delivered steady, if unspectacular, returns over a full market cycle. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 73/100.
Cost: At 0.84%, the expense ratio is roughly in line with the Aggressive Hybrid category average of 0.86% — cost isn't a standout factor either way for this fund.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a moderate Sharpe ratio of 0.5 — decent risk-adjusted performance, without being exceptional. Separately, annualised volatility of 12.45% is fairly typical for Aggressive Hybrid funds.
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- Moderate Plan -Direct Plan-Growth Option
The current NAV (Net Asset Value) of Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option is ₹81.59. NAV is updated every business day after market close by AMFI.
1Y: 5.43% · 3Y CAGR: 12.84% · 5Y CAGR: 10.53%
The expense ratio of Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option is 0.84% per annum. This is the annual fee charged by the fund to manage your investment.
Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option is managed by Murthy Nagarajan, Sonam Udasi at Tata Mutual Fund.
Tata Retirement Savings Fund- Moderate 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- Moderate Plan -Direct Plan-Growth Option is a Aggressive Hybrid fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in Tata Retirement Savings Fund- Moderate 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- Moderate Plan -Direct Plan-Growth Option is ₹2,251 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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