Tata Retirement Savings Fund-Conservative Plan Direct-Growth
Tata Mutual Fund · Solution Oriented Retirement
Return calculator
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| Loading NAV history… | ||||
A SIP on the 1st of every month at that day's NAV. Past returns do not guarantee future returns.
Returns and rankings
| Name | 6M | 1Y | 3Y | 5Y |
|---|---|---|---|---|
| Fund returns | 0.0% | -0.2% | +6.9% | +6.1% |
| Category average (Retirement) | -1.5% | -3.3% | +9.1% | +8.2% |
| Rank (Retirement) | 7 / 29 | 7 / 29 | 20 / 27 | 21 / 25 |
Ranked among Retirement funds, Direct plan, Growth option. 3Y and 5Y are annualised.
Advanced ratios
Calculated from daily NAVs over 3Y, with a 6.5% risk-free rate.
Minimum investments
Exit load, stamp duty and tax
Exit load
Not published in the AMFI data for this scheme. See the scheme information document on the fund house website.
Stamp duty on investment: 0.005% (from 1 July 2020)
Tax implication
Redeemed within 2 years: gains taxed at your income-tax slab rate. After 2 years: gains taxed at 12.5%.
FAQs
How to invest in Tata Retirement Savings Fund-Conservative Plan Direct-Growth?
Open your Do Trading account (KYC), choose Monthly SIP or One-time in the Invest panel, enter the amount and confirm the order with the OTP sent to your email.
What kind of returns does Tata Retirement Savings Fund-Conservative Plan Direct-Growth provide?
6M: -0.02% · 1Y: -0.16% · 3Y (annualised): +6.94% · 5Y (annualised): +6.10%
What is the NAV of Tata Retirement Savings Fund-Conservative Plan Direct-Growth?
₹37.5170 as on 23 Oct 2026.
How risky is Tata Retirement Savings Fund-Conservative Plan Direct-Growth?
Its riskometer level is Very High. Over 3Y its NAV moved 4.8% a year (volatility) and fell at most 5.1% from a peak.
How to redeem Tata Retirement Savings Fund-Conservative Plan Direct-Growth?
In the Invest panel choose Redeem, enter the units (or redeem all) and confirm with the OTP. The amount reaches your bank account after the fund house processes it, usually 1–3 working days.
Can I invest in SIP and lump sum of Tata Retirement Savings Fund-Conservative Plan Direct-Growth?
Yes. The minimum is ₹100 for a one-time investment or a monthly SIP.
How is Tata Retirement Savings Fund-Conservative Plan Direct-Growth taxed?
Redeemed within 2 years: gains taxed at your income-tax slab rate. After 2 years: gains taxed at 12.5%.
Credit quality
| Top holdings | Rating | % of NAV | Maturity |
|---|---|---|---|
| GOI - 6.79% (07/10/2034) | Sovereign | 20.67% | Oct 2034 |
| GOI - 7.17% (17/04/2030) | Sovereign | 9.15% | Apr 2030 |
| GOI - 7.38% (20/06/2027) | Sovereign | 9.14% | Jun 2027 |
| GOI - 6.36% (16/02/2031) | Sovereign | 8.89% | Feb 2031 |
| GOI - 7.36% (12/09/2052) | Sovereign | 5.85% | Sep 2052 |
| GOI - 6.90% (15/04/2065) | Sovereign | 5.42% | Apr 2065 |
| 07.51 % SHIVSHAKTI SECURITISATION TRUST - 28/09/2029 | CRISIL-AAA | 2.88% | Sep 2029 |
| SOLAR INDUSTRIES INDIA LTD | Chemicals & Petrochemicals | 1.50% | — |
| ICICI BANK LTD | Banks | 1.44% | — |
| ETERNAL LTD | Retailing | 1.22% | — |
Fund details
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