Can I invest in SIP and Lumpsum in Tata Gilt Retirement Plan (28-02-25) (IDCW) Direct Growth?

Yes, you can invest both lumpsum and SIP in Tata Gilt Retirement Plan (28-02-25) (IDCW). Minimum lumpsum investment Tata Gilt Retirement Plan (28-02-25) (IDCW) is ₹50,000 and minimum SIP amount is ₹150 . Lumpsum option is ideal for investors with higher investible corpus and market experience. SIP option is recommended for retail investors who do not have the time or expertise to time the market.

What is the NAV of Tata Gilt Retirement Plan (28-02-25) (IDCW) Direct Growth?

The latest NAV (Net Asset Value) of Tata Gilt Retirement Plan (28-02-25) (IDCW) is Tata Gilt Retirement Plan (28-02-25) (IDCW) is ₹34.07 as on 2025-01-01.

Which are the biggest stock holdings of Tata Gilt Retirement Plan (28-02-25) (IDCW)?

The 5 biggest stock holdings of Tata Gilt Retirement Plan (28-02-25) (IDCW) are: GSEC2064 (34.33%), GSEC2054 (23.77%), Gsec2039 (9.70%), Gsec2039 (9.44%), GSEC2033 (4.82%)

What are the top sectors Tata Gilt Retirement Plan (28-02-25) (IDCW) invests in?

A majority of Tata Gilt Retirement Plan (28-02-25) (IDCW) 's AUM worth ₹1,067.22 (Cr) is invested in these 3 top sectors: There is no data for Top 3 sector holdings in the portfolio!

Mutual Funds
Tata Gilt Retirement Plan (28-02-25) (IDCW)

Tata Gilt Retirement Plan (28-02-25) (IDCW)

Gilt Fund

Invest Now

NAV
34.07(-0.18%)
Fund Size (CR)
₹978.04
Expense Ratio
1.38
Scheme Type
Active Fund
Value Research
-

Min. investment
₹50,000
Minimum Additional Investment
₹0
Minimum SIP Investment
₹150
Minimum Withdrawal
₹500
Exit Load
1% of applicable Net Asset Value - If the amount sought to be redeemed or switch out is invested for a period of up to 3 months from the date of allotment Nil - If the amount, sought to be redeemed or switch out is invested for a period of more than 3 months from the date of allotment
0%
Return Since Launch
5.93%

Absolute Return: 0.69%

Annualized Return: 0%

Basic Details

Scheme Manager

Akhil Mittal

Bench Mark

I-Sec Composite Index

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	23 December 2024	10001.29	0.01%	-	0.24%	107/132
1 Month	29 November 2024	10019.09	0.19%	-	0.45%	104/132
3 Month	30 September 2024	10077.59	0.78%	-	0.58%	20/132
6 Month	30 June 2024	10373.87	3.74%	-	4.04%	87/130
1 Year	29 December 2023	10807.34	8.07%	8.07%	9.33%	117/130
3 Year	30 December 2021	11907.55	19.08%	5.99%	6.32%	84/120
5 Year	30 December 2019	13201.93	32.02%	5.71%	6.52%	105/119
Since Inception	14 October 2003	33938.46	239.38%	5.93%	7.60%	124/132

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	1 January 2024	1,30,000	134434.27	3.41%	3.41%
3 Year	3 January 2022	3,70,000	411119.52	11.11%	3.58%
5 Year	1 January 2020	6,10,000	706007.37	15.74%	2.97%
10 Year	1 January 2015	12,10,000	1653432.51	36.65%	3.17%

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Mutual Funds Calculator

Investment type
Scheme based

SIP
Lumpsum

Monthly Investment (₹)

Expected Returns Rate (%)

Time Period (in Years)

Start your SIP now

Invested Amount
₹25,000
Estimated Returns
₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

0.62%

Standard Deviation

0.06%

Beta

-0.53%

Sharpe Ratio

0.61%

Treynor's Ratio

-1.48%

Jension's Alpha

Asset Allocation

Sector Allocation

There is no Sector Allocation data

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
GSEC2064	34.33%	35000000	366.36	Govt. Securities	Govt. Securities
GSEC2054	23.77%	25000000	253.72	Govt. Securities	Govt. Securities
Gsec2039	9.70%	10000000	103.50	Govt. Securities	Govt. Securities
Gsec2039	9.44%	10000000	100.78	Govt. Securities	Govt. Securities
GSEC2033	4.82%	5000000	51.45	Govt. Securities	Govt. Securities
GSEC2033	4.80%	5000000	51.25	Govt. Securities	Govt. Securities
GSEC2034	4.79%	5000000	51.11	Govt. Securities	Govt. Securities
GSEC2034	4.70%	5000000	50.21	Govt. Securities	Govt. Securities
Tamil Nadu 2034	0.06%	60800	0.63	Govt. Securities	Govt. Securities
Reverse Repo	2.08%	-	22.21	Reverse Repo	Debt Others

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Bandhan G Sec Fund - Invst Plan - Direct (IDCW-Q)	3684.50	0.18%	-0.15%	3.51%	11.04%	6.75%
Bandhan G Sec Fund - Invst Plan - Direct (IDCW-A)	3684.50	0.18%	-0.15%	3.51%	11.04%	6.77%
Bandhan G Sec Fund - Invst Plan - Direct (IDCW)	3684.50	0.18%	-0.15%	3.51%	11.04%	6.77%
Bandhan G Sec Fund - Invst Plan - Direct (Periodic)	3684.50	0.18%	-0.15%	3.51%	11.04%	6.77%
Bandhan G Sec Fund - Invst Plan - Direct (G)	3684.50	0.18%	-0.15%	3.51%	11.04%	6.77%

News

Tata MF announces Income Distribution cum capital withdrawal (IDCW) under two schemes
Tata Mutual Fund has announced 01 January 2025 as the record date for declaration of Income Distribution cum capital withdrawal (IDCW) under the monthly IDCW option and under the Periodic IDCW Periodic-Payout/Reinvestment) of following schemes. The amount of IDCW (Rs per unit) on the face value of Rs 10 per unit will be:
Tata Hybrid Equity Fund ' Regular Plan & Direct Plan: 0.37 each.
Tata Equity Savings Fund ' Regular Plan & Direct Plan: 0.057 each.
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Tata MF announces change in Fund Manager of the following schemes

Tata Mutual Fund has announced change in Fund Managers of the following scheme with effect from: 20 December 2024

Change in Fund Managers of the Scheme:

Scheme Name	Existing Fund Manager	New Fund Manager(s)
Tata BSE Sensex Index Fund, Tata Nifty 50 Index Fund, Tata Nifty Midcap 150 Momentum 50 Index Fund, Tata Nifty Realty Index Fund, Tata Nifty Auto Index Fund, Tata Nifty Financial Services Index fund, Tata Nifty MidSmall Healthcare Index Fund, Tata Nifty 500 Multicap India Manufacturing 50:30:20 Index Fund, Tata Nifty500 Multicap Infrastructure 50:30:20 Index Fund, Tata BSE Select Business Groups Index Fund, Tata Nifty200 Alpha 30 Index Fund, Tata Nifty Capital Markets Index Fund, Tata Nifty India Tourism Index Fund, Tata Nifty 50 Exchange Traded Fund, Tata Nifty India Digital Exchange Traded Fund, Tata Nifty Private Bank Exchange Traded Fund,	Kapil Menon	1. Kapil Menon, 2. Rakesh Prajapati*
Tata Nifty India Digital ETF Fund of Fund	Meeta Shetty	1. Kapil Menon, 2. Rakesh Prajapati*

* Assistant Fund Manager

Mr. Rakesh Prajapati is currently designated as Senior Manager Investment in dealing function. Further from the above effective date he is also designated as a Fund Manager - Equities at Tata Asset Management Pvt. Ltd.

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Tata MF announces Income Distribution cum capital withdrawal (IDCW) under two schemes
Tata Mutual Fund has announced 04 December 2024 as the record date for declaration of Income Distribution cum capital withdrawal (IDCW) under the monthly IDCW option and under the Periodic IDCW Periodic-Payout/Reinvestment) of following schemes. The amount of IDCW (Rs per unit) on the face value of Rs 10 per unit will be:
Tata Hybrid Equity Fund ' Regular Plan & Direct Plan: 0.37 each.
Tata Equity Savings Fund ' Regular Plan & Direct Plan: 0.057 each.
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Fund House Details & Investment Objective

Date of Incorporation

29 September 2003

Total AUM (Cr)

₹1067.22

Tata Gilt Retirement Plan (28-02-25) (IDCW) is an Gilt Fund-oriented fund from the renowned AMC, Tata Mutual Fund. Launched in 29 September 2003, this fund is managed by Akhil Mittal. With assets under management (AUM) worth ₹1,067.22 (Cr), as of 1 January 2025, Tata Gilt Retirement Plan (28-02-25) (IDCW) is categorized as a Gilt Fund within its segment. The fund has generated a return of 5.93% since its launch.
The current NAV of Tata Gilt Retirement Plan (28-02-25) (IDCW) is ₹34.07, as on 1 January 2025. The fund's benchmark index is I-Sec Composite Index. You can invest in Tata Gilt Retirement Plan (28-02-25) (IDCW) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹150 while the minimum lumpsum investment is ₹50,000.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
Nil The fund has generated 5.99% and 5.71% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 98.49% in Debt and 1.51% in cash and cash equivalents.

FAQs

How to Invest in Tata Gilt Retirement Plan (28-02-25) (IDCW) Direct Growth?

Tata Gilt Retirement Plan (28-02-25) (IDCW) is a popular fund in the Gilt Fund segment. The fund has generated a return of 5.93% since inception. Looking to invest in Tata Gilt Retirement Plan (28-02-25) (IDCW) How about earning 1% extra return? All this is possible with m.Stock! Investing in Tata Gilt Retirement Plan (28-02-25) (IDCW) is super easy and convenient with m.Stock. Here’s how you can begin:

Login to your m.Stock account. If you do not have an account, open m.Stock Demat account and enjoy 1% extra returns plus Zero Brokerage across products for life.
In the ‘Menu’ section, under ‘Products’, select ‘Mutual Funds’ .
In the search bar, enter the fund name, in this case, Tata Gilt Retirement Plan (28-02-25) (IDCW)
On the top right corner you’ll see two options – Lumpsum and SIP. You can choose either based on your risk appetite and available investible corpus.
If you choose to invest a Lumpsum: Enter amount, select payment mode (UPI or Netbanking), and click on ‘invest a lumpsum’. Make the payment and your lumpsum investment is complete.
If you choose the SIP route, then enter SIP amount, SIP date, and set up ‘Autopay’ facility.

So, why wait? Invest in Tata Gilt Retirement Plan (28-02-25) (IDCW) today and reap the benefits of this Gilt Fund fund!

How much returns has Tata Gilt Retirement Plan (28-02-25) (IDCW) Direct Growth generated?

In the short term, i.e., 1 year, Tata Gilt Retirement Plan (28-02-25) (IDCW) has generated annualised return of 8.07%. In the long-term, the fund has generated 5.99% and 5.71% in 3 and 5 years respectively. Since its inception, the fund has generated 5.93% returns.

What is the expense ratio of Tata Gilt Retirement Plan (28-02-25) (IDCW) Direct Growth?

The expense ratio of Tata Gilt Retirement Plan (28-02-25) (IDCW) Direct Growth is 1.38%. Expense ratio is the fees payable by investors of the scheme towards management, research and overall upkeep of the fund. The higher the expense ratio, the lower is the in-hand return for the investor. Expense ratio for direct plans is lower than regular plans, making them ideal for investors.

What is the AUM of Tata Gilt Retirement Plan (28-02-25) (IDCW) Fund Direct Growth?

The Assets Under Management (AUM) of Tata Gilt Retirement Plan (28-02-25) (IDCW) is ₹1,067.22 (Cr) as of 2025-01-01 AUM shows the fund’s popularity and is often indicative of fund strength.

How to redeem or withdraw money from Tata Gilt Retirement Plan (28-02-25) (IDCW) Direct Growth?

Redeeming or selling units of Tata Gilt Retirement Plan (28-02-25) (IDCW) is relatively simple. But before you redeem, ensure that the fund has completed the minimum lock-in period else you will be charged an exit load.

To redeem from Tata Gilt Retirement Plan (28-02-25) (IDCW):

Login to your m.Stock account
In portfolio, your mutual fund investments will be visible under ‘MF’
Select the fund you wish to redeem from (in this case Tata Gilt Retirement Plan (28-02-25) (IDCW)).
Click on ‘Redeem’ button
You have 2 options – redeem by units and redeem by value (you can only redeem free units)
Select units to be redeemed and click on submit.
Redemption value will be credited to your account in 2-3 working days (as per timelines set by SEBI).