Tata Retirement Savings Fund Moderate Plan Regular-Growth
The fund is rated 2.5 stars. Investment selection within each industry was a strength, while balance between returns and downside risk provided some support. Asset mix was a limitation and did not provide enough support for a higher rating. Higher annual fee of 2.18% was a minor drawback.
This fund has a bad track record with Asset Allocation, a good track record with Stock Selection/Timing. It is important to note, however, that this fund has a 2251.234 AUM and a 2.18 expense ratio. Considering all these factors, we have rated this fund as 2.5 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 31 Aug 2026
Market-cap split
Sector allocation
Holdings (68)
| Holding | % of fund | Value | Shares |
|---|---|---|---|
| Solar Industries India Ltd. | 4.74% | ₹106.77 Cr | 53,100 |
| ICICI Bank Ltd. | 4.42% | ₹99.45 Cr | 6,84,000 |
| Eternal Ltd. | 3.36% | ₹75.59 Cr | 23,04,000 |
| Reliance Industries Ltd. | 3.27% | ₹73.56 Cr | 5,76,000 |
| Multi Commodity Exchange Of India Ltd. | 3.13% | ₹70.38 Cr | 2,07,000 |
| GOICoupon 6.36% · Maturity 16/02/2031 · Rating SOV | 3.08% | ₹69.38 Cr | 70,00,000 |
| Others | 2.94% | ₹66.08 Cr | — |
| Radico Khaitan Ltd. | 2.51% | ₹56.51 Cr | 1,26,000 |
| 360 One Wam Ltd. | 2.11% | ₹47.59 Cr | 4,05,000 |
| PB Fintech Ltd. | 2.10% | ₹47.25 Cr | 2,52,000 |
Fund details
Long Term Capital Appreciation. A predominantly equity oriented(between 65%-85%) savings scheme 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.