Can I invest in SIP and Lumpsum in Tata Retirement Savings Fund - Moderate (G) Direct Growth?

Yes, you can invest both lumpsum and SIP in Tata Retirement Savings Fund - Moderate (G). Minimum lumpsum investment Tata Retirement Savings Fund - Moderate (G) is ₹5,000 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 Retirement Savings Fund - Moderate (G) Direct Growth?

The latest NAV (Net Asset Value) of Tata Retirement Savings Fund - Moderate (G) is Tata Retirement Savings Fund - Moderate (G) is ₹64.70 as on 2025-01-01.

Which are the biggest stock holdings of Tata Retirement Savings Fund - Moderate (G)?

The 5 biggest stock holdings of Tata Retirement Savings Fund - Moderate (G) are: HDFC Bank (5.67%), TCS (3.88%), ITC (3.45%), Zomato Ltd (3.04%), Radico Khaitan (3.01%)

What are the top sectors Tata Retirement Savings Fund - Moderate (G) invests in?

A majority of Tata Retirement Savings Fund - Moderate (G) 's AUM worth ₹2,176.8 (Cr) is invested in these 3 top sectors: Cash & Others : 13.58% Banks : 9.21% Debt : 8.80%

Mutual Funds
Tata Retirement Savings Fund - Moderate (G)

Tata Retirement Savings Fund - Moderate (G)

Retirement Fund

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NAV
64.70(0.62%)
Fund Size (CR)
₹2,176.8
Expense Ratio
2
Scheme Type
Active Fund
Value Research

Min. investment
₹5,000
Minimum Additional Investment
₹1,000
Minimum SIP Investment
₹150
Minimum Withdrawal
₹1,000
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
1%
Return Since Launch
15.15%

Absolute Return: -1.52%

Annualized Return: 0%

Basic Details

Scheme Manager

Murthy Nagarajan

Bench Mark

CRISIL Hybrid 25+75 - Aggressive 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	9991.71	-0.08%	-	-0.13%	41/106
1 Month	29 November 2024	9993.53	-0.06%	-	-0.37%	41/106
3 Month	30 September 2024	9773.62	-2.26%	-	-3.03%	44/106
6 Month	28 June 2024	10499.06	4.99%	-	2.64%	15/106
1 Year	29 December 2023	11914.26	19.14%	19.14%	14.96%	28/98
3 Year	30 December 2021	14756.80	47.57%	13.85%	11.89%	30/90
5 Year	30 December 2019	20196.43	101.96%	15.09%	12.84%	24/74
Since Inception	1 November 2011	64095.00	540.95%	15.15%	12.96%	38/106

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	141098.28	8.54%	8.54%
3 Year	3 January 2022	3,70,000	496257.21	34.12%	10.28%
5 Year	1 January 2020	6,10,000	949567.67	55.67%	9.25%
10 Year	1 January 2015	12,10,000	2520808.31	108.33%	7.62%

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

2.95%

Standard Deviation

0.72%

Beta

0.69%

Sharpe Ratio

0.10%

Treynor's Ratio

3.36%

Jension's Alpha

Asset Allocation

Sector Allocation

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
HDFC Bank	5.67%	687500	123.48	Equity	Banks
TCS	3.88%	198000	84.56	Equity	IT - Software
ITC	3.45%	1576000	75.14	Equity	Tobacco Products
Zomato Ltd	3.04%	2367000	66.22	Equity	E-Commerce/App based Aggregator
Radico Khaitan	3.01%	266500	65.50	Equity	Alcoholic Beverages
Solar Industries	2.65%	53932	57.61	Equity	Aerospace & Defence
Kirl.Pneumatic	2.48%	305000	53.95	Equity	Capital Goods-Non Electrical Equipment
BSE	2.47%	115000	53.71	Equity	Financial Services
Reliance Industr	2.22%	374000	48.33	Equity	Refineries
Sonata Software	2.00%	696300	43.58	Equity	IT - Software

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
AXIS Retirement Fund - DP - Direct (G)	387.54	-0.09%	-4.40%	6.08%	25.75%	13.84%
AXIS Retirement Fund - DP - Direct (IDCW)	387.54	-0.09%	-4.41%	6.10%	25.75%	13.76%
ICICI Pru Retirement Fund - Pure Equity - Dir (G)	1049.69	-1.30%	-5.43%	1.55%	25.17%	22.24%
ICICI Pru Retirement Fund - Pure Equity - Dir (IDCW)	1049.69	-1.30%	-5.40%	1.55%	25.13%	22.25%
Tata Retirement Savings Fund - Progressiv-Dir (G)	2108.21	0.18%	-3.28%	5.44%	23.02%	16.59%

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

7 October 2011

Total AUM (Cr)

₹2176.80

Tata Retirement Savings Fund - Moderate (G) is an Retirement Fund-oriented fund from the renowned AMC, Tata Mutual Fund. Launched in 7 October 2011, this fund is managed by Murthy Nagarajan. With assets under management (AUM) worth ₹2,176.8 (Cr), as of 1 January 2025, Tata Retirement Savings Fund - Moderate (G) is categorized as a Retirement Fund within its segment. The fund has generated a return of 15.15% since its launch.
The current NAV of Tata Retirement Savings Fund - Moderate (G) is ₹64.7, as on 1 January 2025. The fund's benchmark index is CRISIL Hybrid 25+75 - Aggressive Index. You can invest in Tata Retirement Savings Fund - Moderate (G) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹150 while the minimum lumpsum investment is ₹5,000.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
Nil - If redeemed or switch out on or after attainment of retirment age i.e. 60years Nil - In case of Auto switch out of units on occurrence of Auto switch trigger event. 1% - If redeemed before 61 months from the date of allotment. The fund has generated 13.85% and 15.09% 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 79.81% in Equity, 8.46% in Debt and 11.73% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 13.58% in Cash & Others, 9.21% in Banks, 8.80% in Debt, 6.29% in IT-Software, 4.61% in Consumer Durables

FAQs

How to Invest in Tata Retirement Savings Fund - Moderate (G) Direct Growth?

Tata Retirement Savings Fund - Moderate (G) is a popular fund in the Retirement Fund segment. The fund has generated a return of 15.15% since inception. Looking to invest in Tata Retirement Savings Fund - Moderate (G) How about earning 1% extra return? All this is possible with m.Stock! Investing in Tata Retirement Savings Fund - Moderate (G) 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 Retirement Savings Fund - Moderate (G)
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 Retirement Savings Fund - Moderate (G) today and reap the benefits of this Retirement Fund fund!

How much returns has Tata Retirement Savings Fund - Moderate (G) Direct Growth generated?

In the short term, i.e., 1 year, Tata Retirement Savings Fund - Moderate (G) has generated annualised return of 19.14%. In the long-term, the fund has generated 13.85% and 15.09% in 3 and 5 years respectively. Since its inception, the fund has generated 15.15% returns.

What is the expense ratio of Tata Retirement Savings Fund - Moderate (G) Direct Growth?

The expense ratio of Tata Retirement Savings Fund - Moderate (G) Direct Growth is 2.00%. 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 Retirement Savings Fund - Moderate (G) Fund Direct Growth?

The Assets Under Management (AUM) of Tata Retirement Savings Fund - Moderate (G) is ₹2,176.8 (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 Retirement Savings Fund - Moderate (G) Direct Growth?

Redeeming or selling units of Tata Retirement Savings Fund - Moderate (G) 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 Retirement Savings Fund - Moderate (G):

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 Retirement Savings Fund - Moderate (G)).
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).