Tata Retirement Savings Fund Conservative
Direct · Growth
· AMFI 119256
₹39.15
+4.4%over 1 year
Price of one unit (NAV) on 11 November 2026
NAV went from ₹37.51 on 11 November 2025 to ₹39.15 on 11 November 2026.
Past prices are not a forecast of anything.
Ask about this fund
Overview
- Kind of fund
- Conservative Hybrid
- Yearly fee
- 1.04%
- Since 1 October 2026
- Fund size
- ₹165 crore
- Started
- 1 January 2013
- Exit load
- 1% if sold before 61 months
- Compared against
- CRISIL Short Term Debt Hybrid 75+25 Index
- Plan
- Direct · Growth
- Companies held
- 49
- 58 lines in all
- Holdings as at
- 29 September 2026
What does it hold?
Company size
- Large
- Mid
- Small
- Cash, bonds, abroad
- Tata Retirement Savings Fund Conservative14%73%
Industries
- Financial7%
- Consumer Discretionary3%
- Materials3%
- Industrials3%
- Consumer Staples3%
- Energy & Utilities3%
- Technology2%
- Healthcare2%
Top companies
10 of 49 companies · holdings as at 29 September 2026
- 11.5%
Solar Industries India Ltd
LargeMaterials
- 21.4%
ICICI Bank Ltd
LargeFinancial
- 31.2%
Zomato Ltd
LargeTechnology
- 41.2%
Reliance Industries Ltd
LargeEnergy & Utilities
- 51.1%
Multi Commodity Exchange Of India Ltd
MidFinancial
- 61.1%
Ather Energy Ltd.
MidConsumer Discretionary
- 71.0%
Coal India Ltd
LargeMaterials
- 80.8%
Adani Ports and Special Economic Zone Ltd
LargeIndustrials
- 90.8%
Dixon Technologies (India) Ltd
MidConsumer Discretionary
- 100.8%
DOMS Industries Ltd.
SmallIndustrials
Show all 49
- 110.7%
Radico Khaitan Ltd
MidConsumer Staples
- 120.7%
Exide Industries Ltd
SmallConsumer Discretionary
- 130.7%
Kotak Mahindra Bank Ltd
LargeFinancial
- 140.6%
One 97 Communications Ltd
MidIndustrials
- 150.6%
Tata Consumer Products Ltd
MidConsumer Staples
- 160.6%
Titan Company Ltd
LargeConsumer Discretionary
- 170.6%
IIFL Wealth Management Ltd
MidFinancial
- 180.6%
Sun Pharmaceutical Industries Ltd
LargeHealthcare
- 190.6%
Nippon Life India Asset Management Ltd
MidFinancial
- 200.6%
Polycab India Ltd
LargeIndustrials
- 210.6%
Bikaji Foods International Ltd
SmallConsumer Staples
- 220.6%
Fujiyama Power Systems Ltd.
SmallEnergy & Utilities
- 230.6%
BSE Ltd
LargeFinancial
- 240.5%
Karur Vysya Bank Ltd
SmallFinancial
- 250.5%
Nestle India Ltd
LargeConsumer Staples
- 260.5%
Billionbrains Garage Ventures Ltd.
LargeFinancial
- 270.5%
Oil India Ltd
MidEnergy & Utilities
- 280.5%
HCL Technologies Ltd
LargeTechnology
- 290.4%
Kirloskar Pneumatic Company Ltd
SmallIndustrials
- 300.4%
PB Fintech Ltd
MidFinancial
- 310.4%
Apollo Hospitals Enterprise Ltd
LargeHealthcare
- 320.4%
Rainbow Childrens Medicare Ltd
SmallHealthcare
- 330.4%
Grindwell Norton Ltd
SmallMaterials
- 340.3%
Adani Power Ltd
LargeEnergy & Utilities
- 350.3%
Tata Consultancy Services Ltd
LargeTechnology
- 360.3%
Shriram Transport Finance Company Ltd
LargeFinancial
- 370.3%
Varun Beverages Ltd
LargeConsumer Staples
- 380.3%
Muthoot Finance Ltd
LargeFinancial
- 390.3%
The Ramco Cements Ltd
SmallMaterials
- 400.3%
Manappuram Finance Ltd
SmallFinancial
- 410.3%
Glaxosmithkline Pharmaceuticals Ltd
MidHealthcare
- 420.3%
Maruti Suzuki India Ltd
LargeConsumer Discretionary
- 430.3%
Godrej Industries Ltd
MidDiversified
- 440.2%
Godrej Agrovet Ltd
SmallConsumer Staples
- 450.2%
Vedanta Aluminium Metal Ltd
LargeMaterials
- 460.2%
Zensar Technologies Ltd
SmallTechnology
- 470.1%
Adani Transmission Ltd
LargeEnergy & Utilities
- 480.1%
Diamond Power Infrastructure Ltd
SmallIndustrials
- 490.0%
RBL Bank Ltd
MidFinancial
What does it cost?
1.04% a year: ₹104 on every ₹10,000 you hold.
The middle fee for Conservative Hybrid direct plans is 0.98%.
Exit load: 1% if sold before 61 months
How has it done?
- 1 year
- +4.4%
- 3 years, per year
- +8.0%
- 5 years, per year
- +6.8%
Worst fall so far: −11.0% (Feb 2020 to Mar 2020).
Against other Conservative Hybrid funds: out of 131 three-year stretches, it finished above the middle Conservative Hybrid fund in 77.
In Jan–Apr 2020 alone it fell 11.0%; the middle fund fell 11.4%.
Past prices are not a forecast of anything.
Events
- 1 October 2026Fee changed from 1.06% to 1.04% a year.
- 29 September 2026New portfolio published: holdings as at 29 September 2026.
- 1 September 2026Fee moved between 1.05% and 1.06% a year (2 changes, 1 Aug – 1 Sep 2026).
- 30 July 2026Fee changed from 1.42% to 1.06% a year.
- 29 July 2026Fee changed from 1.06% to 1.42% a year.
Show all 26
- 1 June 2026Fee changed from 1.00% to 1.06% a year.
- 26 May 2026Fee changed from 1.38% to 1.00% a year.
- 25 May 2026Fee changed from 1.00% to 1.38% a year.
- 23 May 2026Fee changed from 1.13% to 1.00% a year.
- 22 May 2026Fee changed from 1.00% to 1.13% a year.
- 21 May 2026Fee moved between 1.00% and 1.01% a year (2 changes, 20 May – 21 May 2026).
- 19 May 2026Fee changed from 1.21% to 1.00% a year.
- 18 May 2026Fee changed from 1.00% to 1.21% a year.
- 14 May 2026Fee changed from 1.04% to 1.00% a year.
- 13 May 2026Fee changed from 1.46% to 1.04% a year.
- 12 May 2026Fee changed from 1.65% to 1.46% a year.
- 11 May 2026Fee changed from 1.00% to 1.65% a year.
- 9 May 2026Fee changed from 1.20% to 1.00% a year.
- 7 May 2026Fee changed from 1.00% to 1.20% a year.
- 5 May 2026Fee changed from 1.06% to 1.00% a year.
- 4 May 2026Fee changed from 0.98% to 1.06% a year.
- 5 September 2025Fee moved between 0.97% and 1.02% a year (3 changes, 30 Apr – 5 Sep 2025).
- 15 January 2025Fee moved between 0.96% and 0.97% a year (4 changes, 8 May 2023 – 15 Jan 2025).
- 30 April 2022Fee changed from 1.03% to 0.97% a year.
- 21 April 2022Fee changed from 0.32% to 1.03% a year.
- 14 April 2022Fee changed from 1.05% to 0.32% a year.
Sources and dates
- Holdings
- Groww's page for this fund, month-end 29 September 2026
- Prices
- AMFI via mfapi.in, to 11 November 2026
- Fee
- Groww, from 1 October 2026
- Company sizes
- SEBI's rank by full market value, 25 September 2026