Tata Retirement Savings Conservative Direct Growth

INF277K01QM5 Tata Asset Management Ltd Solution Oriented Growth

Latest NAV

₹38.2362

+2.85% 1Y

as of 05 Oct 2026

Expense ratio

1.05%

AUM

₹168 Cr

Min SIP

₹500

Min lump sum

₹5,000

+2.85%

3Y (ann.)

+7.24%

5Y (ann.)

+6.38%

Launched

Jan 2013

Where the NAV sits & how risky it is

₹38.24

52-week range at 66%

₹38.24

Low 30 Mar 2026₹36.05

High 13 Aug 2026₹39.38

Risk level Moderately High

Low

Very high

NAV history

09 Jan 2013 Since inception 05 Oct 2026

Returns by period

-1.35%

-2.72%

-1.58%

+5.80%

+2.85%

+7.24%

+6.38%

3Y and 5Y returns are annualised.

Return calculator

Monthly investment

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Invested Projected value min SIP ₹500

Estimate only. It assumes the selected past return repeats every year; 3Y and 5Y figures are taken as annualised. Actual returns vary and are not guaranteed.

Where your money goes AS OF 15 JUN 2026

Equity 28.47% Cash & other 71.53%

Sector split

Financial Services 8.81%

Consumer Defensive 4.20%

Industrials 4.13%

Consumer Cyclical 2.97%

Energy 2.78%

Technology 2.10%

Basic Materials 1.71%

Healthcare 1.03%

Real Estate 0.39%

Utilities 0.37%

Country split

India 28.47%

Top 5 hold 6.4% Top 10 hold 10.9% 48 equity holdings

Equity holdings (top 30)

#	Holding	Sector	Country	Weight	YTD
1	Solar Industries INE343H01029	Basic Materials Specialty Chemicals	India	1.45%	+45.80%
2	ICICI Bank INE090A01021	Financial Services Banks - Regional	India	1.43%	-0.34%
3	Reliance Industries INE002A01018	Energy Oil & Gas Refining & Marketing	India	1.27%	-15.97%
4	BSE INE118H01025	Financial Services Financial Data & Stock Exchanges	India	1.22%	+47.66%
5	Coal India INE522F01014	Energy Thermal Coal	India	1.03%	+12.09%
6	ITC INE154A01025	Consumer Defensive Tobacco	India	0.96%	-24.35%
7	MCX INE745G01043	Financial Services Financial Data & Stock Exchanges	India	0.95%	+27.54%
8	Eternal INE758T01015	Consumer Cyclical Internet Retail	India	0.92%	-6.87%
9	Nippon Life India AMC INE298J01013	Financial Services Asset Management	India	0.87%	+32.66%
10	DOMS Industries INE321T01012	Industrials Business Equipment & Supplies	India	0.81%	-12.15%
11	Adani Ports & SEZ INE742F01042	Industrials Marine Shipping	India	0.78%	+21.85%
12	Radico Khaitan INE944F01028	Consumer Defensive Beverages - Wineries & Distilleries	India	0.77%	+12.80%
13	Polycab INE455K01017	Industrials Electrical Equipment & Parts	India	0.77%	+30.70%
14	Bikaji Foods International INE00E101023	Consumer Defensive Packaged Foods	India	0.71%	-11.92%
15	Dixon Technologies INE935N01020	Technology Consumer Electronics	India	0.71%	-1.46%
16	Tata Consumer Products INE192A01025	Consumer Defensive Packaged Foods	India	0.70%	-7.04%
17	Karur Vysya Bank INE036D01028	Financial Services Banks - Regional	India	0.69%	+11.91%
18	Titan INE280A01028	Consumer Cyclical Luxury Goods	India	0.69%	+6.72%
19	Exide Industries INE302A01020	Consumer Cyclical Auto Parts	India	0.66%	+10.28%
20	Kotak Bank INE237A01036	Financial Services Banks - Regional	India	0.65%	-7.78%
21	360 One WAM INE466L01038	Financial Services Asset Management	India	0.65%	-5.33%
22	PB FinTech INE417T01026	Financial Services Insurance Brokers	India	0.60%	-11.21%
23	Muthoot Finance INE414G01012	Financial Services Credit Services	India	0.55%	-17.15%
24	Nestle INE239A01024	Consumer Defensive Packaged Foods	India	0.55%	+7.89%
25	Kirloskar Pneumatic Company INE811A01020	Industrials Specialty Industrial Machinery	India	0.49%	+79.93%
26	Oil India INE274J01014	Energy Oil & Gas Integrated	India	0.48%	-0.41%
27	Groww INE0HOQ01053	Financial Services Capital Markets	India	0.48%	+24.55%
28	Fujiyama Power Systems INE12UR01024	Technology Solar	India	0.43%	+40.93%
29	HCL Technologies INE860A01027	Technology Information Technology Services	India	0.42%	-29.16%
30	Rainbow Childrens Medicare INE961O01016	Healthcare Medical Care Facilities	India	0.42%	+9.27%