Tata Retirement Savings Fund Conservative Plan Regular-Growth
The fund is rated 1.5 stars. Investment selection within each industry and balance between returns and downside risk provided some support. Investment selection within each asset type did not provide enough support for a higher rating. Higher annual fee of 2.17% was a minor drawback.
This fund has a bad track record with Asset Selection/Timing, a ok track record with Stock Selection/Timing, a ok risk-reward ratio. It is important to note, however, that this fund has a 171.108 AUM and a 2.17 expense ratio. Considering all these factors, we have rated this fund as 1.5 star.
Our score weighs long-term performance, risk and consistency — not just past returns.
Returns
As of 7 Oct 2026
Risk ratios
As of 30 Sep 2026
Debt metrics
Portfolio
As of 30 Sep 2026
Market-cap split
Sector allocation
Holdings (57)
| Holding | % of fund | Value | Shares |
|---|---|---|---|
| GOICoupon 6.79% · Maturity 07/10/2034 · Rating SOV | 20.67% | ₹34.2 Cr | 35,00,000 |
| Others | 9.48% | ₹15.68 Cr | — |
| GOICoupon 7.17% · Maturity 17/04/2030 · Rating SOV | 9.15% | ₹15.14 Cr | 15,00,000 |
| GOICoupon 7.38% · Maturity 20/06/2027 · Rating SOV | 9.14% | ₹15.13 Cr | 15,00,000 |
| GOICoupon 6.36% · Maturity 16/02/2031 · Rating SOV | 8.89% | ₹14.71 Cr | 15,00,000 |
| GOICoupon 7.36% · Maturity 12/09/2052 · Rating SOV | 5.85% | ₹9.67 Cr | 10,00,000 |
| GOICoupon 6.90% · Maturity 15/04/2065 · Rating SOV | 5.42% | ₹8.97 Cr | 10,00,000 |
| Shivshakti Securitisation TrustRating CRISIL-AAA | 2.88% | ₹4.77 Cr | 5 |
| Solar Industries India Ltd. | 1.50% | ₹2.48 Cr | 1,260 |
| ICICI Bank Ltd. | 1.44% | ₹2.38 Cr | 18,000 |
Fund details
Long Term Capital Appreciation &Current Income. A predominantly debt oriented savingsscheme which provides tool for retirement planning to individual investors.
The fund seeks to provide a financial planning tool for long term financial security for investors based on their retirement planning goals.
Exit load of 1% if redeemed before 61 months.