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SOLUTION ORIENTED•RETIREMENT FUND

TATA Retirement Savings Fund Moderate

3 Year return

15.33%
NAV on December 12, 2025
77.0883
1D Returns
+0.47%
Launched on January 2013(12 years)

Investment Details

₹150
Minimum SIP Amount
₹5000
Minimum one time investment
Lock-in period: 5.0000 years

Calculate Returns

Based on past performance of this fund

₹
Your Investment₹3,600
Gain
27.58%₹993
Total Value ₹4,593

Risk Involved

scale
Your principal will be at
Very High Risk

Scheme Information

Asset Under Management
₹2,191.2 Cr.
Expense Ratio
0.59% (inclusive of GST)
Exit Load
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.

Ratings

ARQ Rating
4

Ratings by other agencies

Value Research
3
Crisil
0
Morning Star
0

Tax Implications

Withdrawal within 1 year:
20% tax on gains
Withdrawal after 1 year:
12.5% tax on gains above ₹1.25 lakh per financial year

Tata Mutual Fund Manager

MN

Murthy Nagarajan

Fund Manager since Oct 2025

SU

Sonam Udasi

Fund Manager since Apr 2016

Fund House Details

Tata Mutual Fund

Tata Mutual Fund

Asset management company

AUM
₹2,17,939.09 Cr.
No. of Schemes
189
Setup Date
March 1994

Peer Comparison

Comparison with other similar funds

Funds3 Y ReturnsARQ Rating
HDFC Retirement Savings Fund Equity18.4736%
5
Nippon India Retirement Fund Wealth Creation Scheme16.4593%
3.5
HDFC Retirement Savings Fund Hybrid Equity15.1757%
5

Schemes by Tata Mutual Fund

List of mutual fund schemes by AMC

About TATA Retirement Savings Fund Moderate Plan Direct Plan-Growth

Tata Retirement Savings Fund Moderate Plan Direct-Growth is a specialised mutual fund scheme provided by Tata Mutual Fund. This offering is tailored with a balanced investment approach, intending to help individuals plan and prepare for their retirement. The scheme imposes a lock-in period, which is either 5 years or until the investor reaches retirement age, whichever is earlier. This is an open-ended fund, which gives investors an opportunity to buy or sell fund units at any time.

Investment Objectives of the Scheme

The principal aim of Tata Retirement Savings Fund Moderate Plan Direct-Growth is to act as a comprehensive financial planning tool. The fund targets long-term financial security for investors by aligning its strategy with their retirement planning goals. Through a balanced mix of equity and debt securities, the fund strives to strike a harmony between growth and risk.

Key Features of The Fund

5-year return
14.2935%
Expense Ratio
0.59%
Fund Manager
Murthy Nagarajan
Fund Size
₹2191.2 Cr.
Risk Profile
Very High

Is This Scheme Right for Me?

This fund puts the focus on equity-oriented securities, with an allocation range of 65%-85%, and is designed specifically as a retirement planning instrument for individual investors. By maintaining a long-term perspective and having a lock-in period of 5 years, the fund encourages consistent investing, which is crucial in accomplishing retirement objectives. So, if you're an investor seeking a balance of safety and return on your investment for your golden years, this fund could be a fitting addition to your portfolio.

AMC Contact Details

NameTata Mutual Fund
Launch DateMarch 1994
AddressMulla House, Ground Floor, 51, M.G. Road, Near Flora Fountain, Mumbai – 400 001 Maharashtra
Contact(022) 6282 7777
Emailservice@tataamc.com
Websitehttps://www.tatamutualfund.com/
Disclaimer: Mutual funds are subject to market risk. Read all scheme-related documents carefully to make informed-decision.

Take the Guessing out of Investing

Compounding in SIP can make it difficult to estimate the expected returns in a mutual fund. The process of guessing can be replaced with estimating as Angel One's free SIP calculator gives you the approximate amount to be expected. The SIP calculator online takes into consideration the principle of compounding and gives your return amount depending on variables such as years, SIP amount as well as the expected rate of return.

FAQs

NAV, or Net Asset Value, is the price of a single unit of a mutual fund. It is calculated by dividing the current value of holdings held by the mutual fund scheme at the end of the day by the total number of units issued. The NAV changes every day. The NAV of TATA Retirement Savings Fund Moderate on December 12, 2025, is ₹77.0883
Short for Asset Under Management, AUM means the total assets held by a mutual fund scheme. The AUM of the fund changes every day based on the fluctuation in the price of the underlying assets. Fund houses don't update AUM on a daily basis. They only update it at the end of the month and release it within a few days of the following month. The AUM of TATA Retirement Savings Fund Moderate, is ₹2191.2 crore.
The expense ratio is the annual charges you pay to the mutual fund house for managing your investments. It is a percentage of Assets Under Management. It is deducted from the fund's returns. The expense ratio of TATA Retirement Savings Fund Moderate is 0.59%
The TATA Retirement Savings Fund Moderate was launched on January 01, 2013. The fund has delivered a CAGR of undefined since inception.
A Systematic Investment Plan (SIP) in mutual funds allows you to invest small amounts periodically instead of a one-time investment. The frequency of investment can be monthly, quarterly, half-yearly or annually, as per your convenience. The minimum SIP for TATA Retirement Savings Fund Moderate is ₹undefined.
  1. Make sure you are logged in to Angel One.
  2. Select the type of investment: SIP or one-time.
  3. In case of an SIP, select the amount and date and click ‘Start SIP’. In case of a one-time investment, enter just the amount.
  4. Proceed by clicking the pay button and choosing your mode of payment.
  5. Your portfolio will be updated with this investment in 3-5 working days.
  1. Click on the ‘Invest’ button.
  2. Enter your desired SIP amount and the SIP date.
  3. You can uncheck the ‘Make first payment now’ box if you don’t want to make the payment right away.
  4. Choose your payment method between UPI and Net Banking.
  5. Make your payment.
  6. Your SIP is created.
  1. Once you create an SIP, click on ‘Set up autopay’
  2. Select your desired verification method - debit card, net banking or Aadhar method credentials - and click on submit.
  3. Once you verify the OTP, your mandate request will be created.
  1. Go to the ‘Investments’ section and click on the mutual fund scheme you want to withdraw.
  2. Enter the amount you want to withdraw and tap the ‘Withdraw’ button.
  3. Verify the details on the ‘Confirm withdraw’ screen.
  4. Select the bank account in which you want to receive the funds.
  5. You will receive your funds within three working days of placing the order.
  6. You can track your order in the ‘Orders’ section.

ENTER AMOUNT

₹
₹4,593 in 3Y at 15.329% returns
SIP Date1st of every month

Your next SIP Payment will be on 13 January 2026

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