Tata Retirement Savings Fund-Conservative Plan - Regular Plan - Growth

NAVs of 8 Nov 2026

Tata Mutual Fund · Solution oriented fund · Regular plan · Growth

RetirementRegular · GrowthRisk: Moderately High

NAV · 6 Nov 2026

₹38.9804 ▲ 0.19%

Tata Mutual Fund

Fund size₹169 crJuly - September 2026

1-month range₹37.52 – 38.98

1 year+4.20%rank 7 of 34

Expense ratio2.17%regular plan, a year

5 years+6.84%a year

What the fund does

To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends.

BenchmarkCRISIL Short Term Debt Hybrid 75+25 Index

Launched1 Nov 2011

Fund houseTata Mutual Fund

Fund managersFM-1 Sonam UdasiFM-2 Murthy NagarajanFM-3 Amit Somani

NAV history

Returns

1 week

+2.92%avg 4.7%

1 month

+1.62%avg 3.4%

3 months

-0.53%avg -0.8%

6 months

+2.44%avg 2.6%

This year

+3.49%avg 1.7%

1 year

+4.20%avg 2.4% · #7/34

3 years (a year)

+8.04%avg 10.0% · #21/31

5 years (a year)

+6.84%avg 8.1% · #18/29

Bars: this plan; the thin mark is the Retirement average (regular plans, growth option). Over a year: yearly averages (CAGR). Past returns do not guarantee future returns. Information only, not investment advice.

Monthly returns (%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
2024												+0.0
2025	-1.4	-2.4	+2.5	+1.9	+2.3	+1.2	-0.5	-1.0	+0.5	+1.4	+0.6	-0.1
2026	-0.9	+0.2	-3.6	+4.5	+0.7	+1.9	+0.8	+0.8	-2.5	-1.2	+2.9

Each month's change in NAV (the current month to the latest NAV).

What if you had invested?

Amount (₹) Started

Worked out from this plan's actual NAVs. SIP: invested on the first NAV of each month. Taxes and exit loads are not included. Past returns do not guarantee future returns. Information only, not investment advice.

Portfolio as on 31 Oct 2026

Stocks held5059 lines in all

Top 10 stocks10.9%of the fund

Equity27.8%stocks and equity derivatives

Debt & cash70.4%everything else

Where the money is

Equity 27.8%Debt 68.9%Cash & others 1.5%

Sectors (stocks held)

Capital Markets

3.5%

Banks

3.4%

Automobiles

1.7%

Retailing

1.3%

Consumer Durables

1.3%

IT - Software

1.2%

Food Products

1.2%

Petroleum Products

1.2%

Credit quality (debt and money market)

Sovereign

59.9%

AAA

9.0%

Changes since 30 Sept 2026

Share of fund	31 Oct 2026	30 Sept 2026	Change
Stocks held	27.8%	27.2%	+0.67
Debt	68.9%	62.0%	+6.93
Cash & others	1.5%	9.5%	-7.98
Top 10 stocks	10.9%	10.8%	+0.14
Number of stocks	50	49	+1

New stocks 4

TATA MOTORS LTD0.46%
JIO PLATFORMS LTD0.36%
DATA PATTERNS (INDIA) LTD0.34%
SUPREME INDUSTRIES LTD0.29%

Stocks sold off 3

POLYCAB INDIA LTDwas 0.58%
PB FINTECH LTDwas 0.41%
MANAPPURAM FINANCE LTDwas 0.27%

Bought more 1

ATHER ENERGY LTD+0.29

Cut back 2

SOLAR INDUSTRIES INDIA LTD-0.45
ONE 97 COMMUNICATIONS LTD-0.32

Change is in percentage points. Bought more and cut back list stocks whose share of the fund moved by at least 0.25 points. A share can also move because the price changed, not only because the fund traded.

Stocks held 50

Holding	Sector / type	% of fund
ICICI BANK LTD INE090A01021	Banks	1.56%
ATHER ENERGY LTD INE0LEZ01016	Automobiles	1.36%
ETERNAL LTD INE758T01015	Retailing	1.34%
RELIANCE INDUSTRIES LTD INE002A01018	Petroleum Products	1.17%
MULTI COMMODITY EXCHANGE OF IND LTD INE745G01043	Capital Markets	1.09%
SOLAR INDUSTRIES INDIA LTD INE343H01029	Chemicals & Petrochemicals	1.05%
COAL INDIA LTD INE522F01014	Consumable Fuels	0.93%
KOTAK MAHINDRA BANK LTD INE237A01036	Banks	0.88%
ADANI PORTS AND SPECIAL ECONOMIC ZONE LTD INE742F01042	Transport Infrastructure	0.83%
BILLIONBRAINS GARAGE VENTURES LTD (GROWW) INE0HOQ01053	Capital Markets	0.72%
RADICO KHAITAN LTD INE944F01028	Beverages	0.68%
TATA CONSUMER PRODUCTS LTD INE192A01025	Agricultural Food & other Products	0.68%
DOMS INDUSTRIES LTD INE321T01012	Household Products	0.68%
DIXON TECHNOLOGIES (INDIA) LTD INE935N01020	Consumer Durables	0.68%
KARUR VYSYA BANK LTD INE036D01028	Banks	0.67%
BSE LTD INE118H01025	Capital Markets	0.67%
SUN PHARMACEUTICAL INDUSTRIES LTD INE044A01036	Pharmaceuticals & Biotechnology	0.60%
TITAN COMPANY LTD INE280A01028	Consumer Durables	0.59%
EXIDE INDUSTRIES LTD INE302A01020	Auto Components	0.58%
HCL TECHNOLOGIES LTD INE860A01027	IT - Software	0.56%
360 ONE WAM LTD INE466L01038	Capital Markets	0.55%
OIL INDIA LTD INE274J01014	Oil	0.55%
FUJIYAMA POWER SYSTEMS LTD INE12UR01024	Electrical Equipment	0.53%
NIPPON LIFE INDIA ASSET MANAGEMENT LTD INE298J01013	Capital Markets	0.51%
BIKAJI FOODS INTERNATIONAL LTD INE00E101023	Food Products	0.50%
NESTLE INDIA LTD INE239A01024	Food Products	0.48%
ADANI POWER LTD INE814H01029	Power	0.48%
TATA MOTORS LTD INE1TAE01010	Agricultural, Commercial & Construction Vehicles	0.46%
APOLLO HOSPITALS ENTERPRISE LTD INE437A01024	Healthcare Services	0.42%
TATA CONSULTANCY SERVICES LTD INE467B01029	IT - Software	0.42%
ADANI ENERGY SOLUTIONS LTD INE931S01010	Power	0.38%
RAINBOW CHILDRENS MEDICARE LTD INE961O01016	Healthcare Services	0.37%
JIO PLATFORMS LTD INE0BJO01010	Telecom - Services	0.36%
GRINDWELL NORTON LTD INE536A01023	Industrial Products	0.36%
DATA PATTERNS (INDIA) LTD INE0IX101010	Aerospace & Defense	0.34%
KIRLOSKAR PNEUMATIC COMPANY LTD INE811A01038	Industrial Products	0.33%
ONE 97 COMMUNICATIONS LTD INE982J01020	Financial Technology (Fintech)	0.32%
MARUTI SUZUKI INDIA LTD INE585B01010	Automobiles	0.32%
SHRIRAM FINANCE LTD INE721A01047	Finance	0.29%
SUPREME INDUSTRIES LTD INE195A01028	Industrial Products	0.29%
VARUN BEVERAGES LTD INE200M01039	Beverages	0.28%
MUTHOOT FINANCE LTD INE414G01012	Finance	0.28%
THE RAMCO CEMENTS LTD INE331A01037	Cement & Cement Products	0.25%
GLAXOSMITHKLINE PHARMACEUTICALS LTD INE159A01016	Pharmaceuticals & Biotechnology	0.25%
ZENSAR TECHNOLOGIES LTD INE520A01027	IT - Software	0.24%
RBL BANK LTD INE976G01028	Banks	0.24%
GODREJ INDUSTRIES LTD INE233A01035	Diversified	0.22%
GODREJ AGROVET LTD INE850D01014	Food Products	0.21%
VEDANTA ALUMINIUM METAL LTD INE1CDF01017	Non - Ferrous Metals	0.18%
DIAMOND POWER INFRASTRUCTURE LTD INE989C01038	Electrical Equipment	0.09%

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Debt, money market and cash 9

Holding	Sector / type	% of fund
GOI - 6.79% (07/10/2034) IN0020240126	SOV	20.90%
GOI - 7.38% (20/06/2027) IN0020220037	SOV	9.35%
GOI - 7.17% (17/04/2030) IN0020230036	SOV	9.28%
GOI - 6.36% (16/02/2031) IN0020250141	SOV	9.02%
** 08.12 % LAKSHMINARAYAN SECURITISATION TRUST - 28/09/2031 INE31CW15014	CRISIL-AAA(SO)	6.11%
GOI - 7.36% (12/09/2052) IN0020220086	SOV	5.88%
GOI - 6.90% (15/04/2065) IN0020250018	SOV	5.46%
** 07.51 % SHIVSHAKTI SECURITISATION TRUST - 28/09/2029 INE2I7G15010	CRISIL-AAA	2.93%
I) REPO	–	1.50%

From the fund house's monthly portfolio (tatamutualfund.com), as on 31 Oct 2026. Percentages are of the fund's net assets. Published about ten days after each month ends.

Risk

Volatility5.3%yearly, from daily NAVs

Worst fall-5.55%31 Jan 2020 → 31 Mar 2020

RiskometerModerately HighModerately High

Volatility: how much the NAV moves, as a yearly figure (higher = bumpier). Worst fall: the biggest drop from a high, in the NAV history we hold (from 31 May 2016).

Fund details

Fund size (average AUM, July - September 2026)	₹169 cr across all plans · this plan ₹37.18 cr
Fund house	Tata Mutual Fund
Category	Solution oriented · Retirement
Plan	Regular
Option	Growth
Expense ratio (TER)	Direct 1.06% · Regular 2.17% (5 Nov 2026)
Exit load	A) If redeemed / switched-out on or after attainment of retirement age i.e. 60 years of age - Nil. B) In case of Auto switch-out of units on occurrence of “Auto-switch trigger event” - Nil. C) 1% -If redeemed before 61 months from the date of allotment.
Minimum investment	₹5,000 · additional ₹1,000
Scheme code (AMFI)	119256
ISIN	INF277K01QM5
NAV date	6 Nov 2026

Scheme details from the fund's scheme summary document filed with AMFI; expense ratios from AMFI's daily filings.

Other plans of this fund

Plan	NAV	1 year
Regular · Growth	₹32.7878	+2.99%

Top Retirement funds (regular plans)

Fund	1 year	3 years (a year)
ICICI Prudential Retirement Fund Pure Equity Plan	+2.49%	+18.97%
ICICI Prudential Retirement Fund Hybrid Aggressive Plan	+1.68%	+16.07%
Aditya Birla Sun Life Retirement Fund-The 30s Plan	+11.39%	+16.00%
Tata Retirement Savings Fund-Progressive Plan	+6.71%	+13.55%
Axis Retirement Fund - Dynamic Plan	+1.19%	+13.32%
Tata Retirement Savings Fund-Moderate Plan	+6.31%	+12.87%
Union Retirement Fund	+3.53%	+12.45%
Axis Retirement Fund - Aggressive Plan	+1.02%	+12.44%
Tata Retirement Savings Fund-Conservative Plan	+4.20%	+8.04%

All Retirement funds ranked › · Compare with others ›

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Information only, not investment advice.

What is the NAV of Tata Retirement Savings Fund-Conservative Plan - Regular Plan - Growth today?

₹38.9804 as of 6 Nov 2026, from AMFI's official NAV data.

What are the returns of Tata Retirement Savings Fund-Conservative Plan - Regular Plan - Growth?

1 year: 4.20%, 3 years: 8.04% a year, 5 years: 6.84% a year

How does Tata Retirement Savings Fund-Conservative Plan rank in its category?

7 of 34 Retirement funds (regular plans, growth option) by 1-year return.

What is the difference between direct and regular plans?

Both invest in the same portfolio. Direct plans are bought straight from the fund house and pay no distributor commission, so their expenses are lower and their NAV grows slightly faster.