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Mutual fundsSIF

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
₹32.7878 ▲ 0.19%
Tata Mutual Fund
Fund size₹169 crJuly - September 2026
1-month range₹31.57 – 32.79
1 year+2.99%rank 13 of 34
Expense ratio2.17%regular plan, a year
5 years+5.58%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

323233 2026-08-112026-08-242026-09-072026-09-212026-10-052026-10-162026-10-30

Returns

1 week
+2.90%avg 4.7%
1 month
+1.53%avg 3.4%
3 months
-0.81%avg -0.8%
6 months
+1.85%avg 2.6%
This year
+2.48%avg 1.7%
1 year
+2.99%avg 2.4% · #13/34
3 years (a year)
+6.78%avg 10.0% · #27/31
5 years (a year)
+5.58%avg 8.1% · #25/29

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 (%)

YearJanFebMarAprMayJunJulAugSepOctNovDec
2024-0.1
2025-1.6-2.5+2.5+1.8+2.1+1.2-0.6-1.2+0.5+1.3+0.5-0.2
2026-1.0+0.1-3.7+4.4+0.6+1.8+0.7+0.7-2.6-1.2+2.9

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

What if you had invested?

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 fund31 Oct 202630 Sept 2026Change
Stocks held27.8%27.2%+0.67
Debt68.9%62.0%+6.93
Cash & others1.5%9.5%-7.98
Top 10 stocks10.9%10.8%+0.14
Number of stocks5049+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

HoldingSector / type% of fund
ICICI BANK LTD
INE090A01021		Banks1.56%
ATHER ENERGY LTD
INE0LEZ01016		Automobiles1.36%
ETERNAL LTD
INE758T01015		Retailing1.34%
RELIANCE INDUSTRIES LTD
INE002A01018		Petroleum Products1.17%
MULTI COMMODITY EXCHANGE OF IND LTD
INE745G01043		Capital Markets1.09%
SOLAR INDUSTRIES INDIA LTD
INE343H01029		Chemicals & Petrochemicals1.05%
COAL INDIA LTD
INE522F01014		Consumable Fuels0.93%
KOTAK MAHINDRA BANK LTD
INE237A01036		Banks0.88%
ADANI PORTS AND SPECIAL ECONOMIC ZONE LTD
INE742F01042		Transport Infrastructure0.83%
BILLIONBRAINS GARAGE VENTURES LTD (GROWW)
INE0HOQ01053		Capital Markets0.72%
RADICO KHAITAN LTD
INE944F01028		Beverages0.68%
TATA CONSUMER PRODUCTS LTD
INE192A01025		Agricultural Food & other Products0.68%
DOMS INDUSTRIES LTD
INE321T01012		Household Products0.68%
DIXON TECHNOLOGIES (INDIA) LTD
INE935N01020		Consumer Durables0.68%
KARUR VYSYA BANK LTD
INE036D01028		Banks0.67%
BSE LTD
INE118H01025		Capital Markets0.67%
SUN PHARMACEUTICAL INDUSTRIES LTD
INE044A01036		Pharmaceuticals & Biotechnology0.60%
TITAN COMPANY LTD
INE280A01028		Consumer Durables0.59%
EXIDE INDUSTRIES LTD
INE302A01020		Auto Components0.58%
HCL TECHNOLOGIES LTD
INE860A01027		IT - Software0.56%
360 ONE WAM LTD
INE466L01038		Capital Markets0.55%
OIL INDIA LTD
INE274J01014		Oil0.55%
FUJIYAMA POWER SYSTEMS LTD
INE12UR01024		Electrical Equipment0.53%
NIPPON LIFE INDIA ASSET MANAGEMENT LTD
INE298J01013		Capital Markets0.51%
BIKAJI FOODS INTERNATIONAL LTD
INE00E101023		Food Products0.50%
NESTLE INDIA LTD
INE239A01024		Food Products0.48%
ADANI POWER LTD
INE814H01029		Power0.48%
TATA MOTORS LTD
INE1TAE01010		Agricultural, Commercial & Construction Vehicles0.46%
APOLLO HOSPITALS ENTERPRISE LTD
INE437A01024		Healthcare Services0.42%
TATA CONSULTANCY SERVICES LTD
INE467B01029		IT - Software0.42%
ADANI ENERGY SOLUTIONS LTD
INE931S01010		Power0.38%
RAINBOW CHILDRENS MEDICARE LTD
INE961O01016		Healthcare Services0.37%
JIO PLATFORMS LTD
INE0BJO01010		Telecom - Services0.36%
GRINDWELL NORTON LTD
INE536A01023		Industrial Products0.36%
DATA PATTERNS (INDIA) LTD
INE0IX101010		Aerospace & Defense0.34%
KIRLOSKAR PNEUMATIC COMPANY LTD
INE811A01038		Industrial Products0.33%
ONE 97 COMMUNICATIONS LTD
INE982J01020		Financial Technology (Fintech)0.32%
MARUTI SUZUKI INDIA LTD
INE585B01010		Automobiles0.32%
SHRIRAM FINANCE LTD
INE721A01047		Finance0.29%
SUPREME INDUSTRIES LTD
INE195A01028		Industrial Products0.29%
VARUN BEVERAGES LTD
INE200M01039		Beverages0.28%
MUTHOOT FINANCE LTD
INE414G01012		Finance0.28%
THE RAMCO CEMENTS LTD
INE331A01037		Cement & Cement Products0.25%
GLAXOSMITHKLINE PHARMACEUTICALS LTD
INE159A01016		Pharmaceuticals & Biotechnology0.25%
ZENSAR TECHNOLOGIES LTD
INE520A01027		IT - Software0.24%
RBL BANK LTD
INE976G01028		Banks0.24%
GODREJ INDUSTRIES LTD
INE233A01035		Diversified0.22%
GODREJ AGROVET LTD
INE850D01014		Food Products0.21%
VEDANTA ALUMINIUM METAL LTD
INE1CDF01017		Non - Ferrous Metals0.18%
DIAMOND POWER INFRASTRUCTURE LTD
INE989C01038		Electrical Equipment0.09%

Debt, money market and cash 9

HoldingSector / type% of fund
GOI - 6.79% (07/10/2034)
IN0020240126		SOV20.90%
GOI - 7.38% (20/06/2027)
IN0020220037		SOV9.35%
GOI - 7.17% (17/04/2030)
IN0020230036		SOV9.28%
GOI - 6.36% (16/02/2031)
IN0020250141		SOV9.02%
** 08.12 % LAKSHMINARAYAN SECURITISATION TRUST - 28/09/2031
INE31CW15014		CRISIL-AAA(SO)6.11%
GOI - 7.36% (12/09/2052)
IN0020220086		SOV5.88%
GOI - 6.90% (15/04/2065)
IN0020250018		SOV5.46%
** 07.51 % SHIVSHAKTI SECURITISATION TRUST - 28/09/2029
INE2I7G15010		CRISIL-AAA2.93%
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-5.74%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 ₹132 cr
Fund houseTata Mutual Fund
CategorySolution oriented · Retirement
PlanRegular
OptionGrowth
Expense ratio (TER)Direct 1.06% · Regular 2.17% (5 Nov 2026)
Exit loadA) 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)115944
ISININF277K01FI6
NAV date6 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

PlanNAV1 year
Regular · Growth₹38.9804+4.20%

Top Retirement funds (regular plans)

Fund1 year3 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+2.99%+6.78%

All Retirement funds ranked › · Compare with others ›

← All mutual funds

Information only, not investment advice.

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

₹32.7878 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: 2.99%, 3 years: 6.78% a year, 5 years: 5.58% a year

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

13 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.