mutual funds tata retirement savings fund conservative plan directgrowth

holdings

Tata Retirement Savings Fund Conservative Plan Direct-Growth

Hybrid: Conservative Hybrid - Growth (Open ended)

Tata Retirement Savings Fund Conservative Plan Direct-GrowthNAV: 39.21 as on 06 Sep, 2026

Risk levelCategoryBenchmark

Factsheet

SEBI Riskometer: Moderately HighCategory: Hybrid: Conservative HybridBenchmark: CRISIL Short Term Debt Hybrid 75+25 IndexCheck Portfolio Overlap →

NAV: ₹39.21+0.05%

07 Sept 2026

Holdings Analysis

Equity, debt and cash allocation snapshot with market cap distribution for Tata Retirement Savings Fund Conservative Plan Direct-Growth.

Asset Allocation

As on 31 Aug 2026

Debt

66.54%

Equity

28.63%

Others

4.83%

Market Cap Distribution

Large Cap (53.3%)

Mid Cap (21.6%)

Small Cap (25.1%)

Historical Asset Allocation

Asset	31 Aug 2026	31 Jul 2026	30 Jun 2026	31 May 2026	30 Apr 2026	31 Mar 2026
Equity	28.63%	29.34%	28.95%	28.52%	29.48%	26.64%
Debt	66.54%	67.77%	68.45%	68.24%	69.04%	67.90%
Others (incl. cash)	4.83%	2.89%	2.60%	3.24%	1.48%	5.46%
Commodities	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Real Estate	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Portfolio Snapshot

No. of Securities

P/E Ratio

31.55

P/B Ratio

4.86

Top Holding %

20.34%

Top 5 Holdings %

52.69%

Top 10 Holdings %

72.98%

Modified Duration

4.65 yrs

Avg. Maturity

8.72 yrs

Yield to Maturity

6.91%

AUM

₹171 Cr

Expense Ratio

1.06%

Since Inception

9.62%

Max Drawdown

-0.11%

Sharpe Ratio

0.49

Top Portfolio Holdings by Weight

Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.

Instrument	Sector	No. of Shares	Value (Rs. Cr)	Weight	Change
Solar Industries India Ltd.	Chemicals	1,368	2.75	1.61%	0.12%↑
ICICI Bank Ltd.	Financial	18,000	2.62	1.53%	0.00%
Ather Energy Ltd.	Automobile	12,479	2.14	1.25%	0.32%↑
Reliance Industries Ltd.	Energy	16,200	2.07	1.21%	-0.04%↓
Eternal Ltd.	Services	63,000	2.07	1.21%	0.08%↑
Multi Commodity Exchange Of India Ltd.	Services	5,490	1.87	1.09%	0.21%↑
Coal India Ltd.	Materials	38,700	1.55	0.91%	-0.04%↓
Dixon Technologies (India) Ltd.	Capital Goods	990	1.47	0.86%	0.04%↑
DOMS Industries Ltd.	Consumer Staples	6,000	1.34	0.78%	-0.02%↓
Exide Industries Ltd.	Capital Goods	27,900	1.23	0.72%	-0.02%↓
Radico Khaitan Ltd.	Consumer Staples	2,700	1.21	0.71%	-0.22%↓
Polycab India Ltd.	Capital Goods	1,260	1.19	0.70%	-0.03%↓
PB Fintech Ltd.	Services	6,300	1.18	0.69%	0.09%↑
Adani Ports and Special Economic Zone Ltd.	Services	7,200	1.15	0.67%	-0.05%↓
Bikaji Foods International Ltd.	Consumer Staples	18,000	1.13	0.66%	-0.02%↓
Kotak Mahindra Bank Ltd.	Financial	27,000	1.13	0.66%	0.04%↑
360 One Wam Ltd.	Financial	9,630	1.13	0.66%	0.01%↑
Tata Consumer Products Ltd.	Consumer Staples	10,707	1.11	0.65%	-0.04%↓
Fujiyama Power Systems Ltd.	Energy	23,400	1.08	0.63%	0.10%↑
Sun Pharmaceutical Industries Ltd.	Healthcare	5,400	1.07	0.63%	0.21%↑

1 / 3

Sector-wise Portfolio Allocation

Equity exposure by sector as a percentage of total net assets, tracked across recent portfolio dates. Identifies concentration risk and sector rotation trends in the fund's holdings.

Sector	31 Aug 2026	31 Jul 2026	30 Jun 2026	31 May 2026	30 Apr 2026	31 Mar 2026
Financial	5.57%	6.06%	6.07%	5.91%	6.91%	7.51%
Services	4.68%	3.97%	4.45%	4.28%	4.39%	3.55%
Consumer Staples	4.14%	4.52%	5.22%	5.34%	5.19%	4.85%
Energy	2.86%	2.84%	2.55%	2.77%	2.79%	2.25%
Capital Goods	2.79%	3.41%	3.38%	3.33%	3.18%	2.09%
Healthcare	1.74%	1.44%	1.37%	1.01%	0.67%	0.36%
Chemicals	1.61%	1.49%	1.56%	1.58%	1.69%	1.30%
Automobile	1.54%	1.23%	0.30%	0.28%	0.29%	0.28%
Materials	1.19%	1.24%	1.01%	1.07%	1.13%	1.13%
Technology	1.05%	1.10%	0.91%	1.03%	1.10%	1.32%
Consumer Discretionary	0.89%	0.98%	1.11%	1.07%	1.13%	1.06%
Metals & Mining	0.57%	0.60%	0.61%	0.46%	0.60%	0.34%
Construction	-	0.46%	0.41%	0.39%	0.41%	0.34%
Insurance	-	-	-	-	-	0.26%

Debt Holdings — Credit Quality Profile

Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.

Rating	Fund	Category
SOV	57.86%	23.51%
AAA	8.68%	19.16%
Cash & Call Money	4.83%	14.07%
A	-	0.78%
A+	-	1.42%
A-	-	0.25%
A1+	-	3.19%
AA	-	4.10%
AA+	-	4.67%
AA-	-	0.99%
B+	-	1.85%
B-	-	2.24%
BBB+	-	0.00%
Cash	-	0.14%
D	-	0.09%
Others	-	0.18%
Term Deposits	-	0.01%
Unrated	-	0.09%

Equity Insights

A detailed look at the equity holdings of this scheme — aggregated scores on value, momentum, quality parameters along with diversification and performance analysis.

Style Analysis

Value score

43.9 / 100

Weighted average Value score is 43.9. This indicates that portfolio is relatively reasonably valued using composite of value measures.

Price Momentum score

56.1 / 100

Weighted average Price Momentum score is 56.1. This indicates that portfolio has average momentum using composite of momentum measures.

Quality score

74.6 / 100

Weighted average Quality score is 74.6. This indicates that portfolio has average quality using composite of quality measures.

QVM score

64.1 / 100

Weighted average QVM score is 64.1. This indicates that portfolio has average QVM score and hence a neutral stance is warranted.

Red Flags

Earnings manipulation risk (Beneish M-score)

Following stocks have high risk of potential earnings manipulation (Beneish M-score > -1.78):

Name	Value
Godrej Industries Ltd.	-1.7
Solar Industries India Ltd.	-1.01
Adani Power Ltd.	-1.55
Adani Energy Solutions Ltd.	-1.57
Varun Beverages Ltd.	-1.69
Rainbow Childrens Medicare Ltd.	-1.46

High leverage

Following companies have debt to equity of greater than 2:

Name	Value
Godrej Industries Ltd.	4.61

Debt Insights

A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.

SEBI PRC matrix

Credit risk

	Interest risk
	Low	Moderate	High
Low
Moderate
High

Instruments

Full name	Description	Coupon rate	Maturity	Rating raw	Weight
GOI	GOI Securities	6.79%	07/10/2034	SOV	20.34%
GOI	GOI Securities	7.17%	17/04/2030	SOV	8.95%
GOI	GOI Securities	7.38%	20/06/2027	SOV	8.87%
GOI	GOI Securities	6.36%	16/02/2031	SOV	8.69%
Jamnagar Utilities and Power Pvt. Ltd.	Non Convertible Debenture	6.40%	29/09/2026	CRISIL-AAA	5.84%
GOI	GOI Securities	7.36%	12/09/2052	SOV	5.70%
GOI	GOI Securities	6.90%	15/04/2065	SOV	5.31%
Shivshakti Securitisation Trust	Securitised Debt	0.00%	0	CRISIL-AAA	2.84%

Frequently Asked Questions

What are the top holdings of Tata Retirement Savings Fund Conservative Plan Direct-Growth?

The top holdings of Tata Retirement Savings Fund Conservative Plan Direct-Growth as of 31 Aug 2026 are GOI (20.34%), GOI (8.95%), GOI (8.87%), GOI (8.69%), Jamnagar Utilities and Power Pvt. Ltd. (5.84%). These top 5 stocks together account for 52.69% of the total portfolio. You can view the complete holdings breakdown above.

How many stocks does Tata Retirement Savings Fund Conservative Plan Direct-Growth hold in its portfolio?

Tata Retirement Savings Fund Conservative Plan Direct-Growth holds 59 stocks in its portfolio as of 31 Aug 2026. The fund's portfolio size reflects the fund manager's investment approach, a more concentrated portfolio indicates higher conviction bets, while a larger number of holdings suggests a more diversified strategy.

What is the sector allocation of Tata Retirement Savings Fund Conservative Plan Direct-Growth?

As of 31 Aug 2026, Tata Retirement Savings Fund Conservative Plan Direct-Growth's top sector allocations are Financial (5.57%), Services (4.68%), Consumer Staples (4.14%). You can find detailed sector allocation above.

What is the equity and debt allocation of Tata Retirement Savings Fund Conservative Plan Direct-Growth?

As of 31 Aug 2026, Tata Retirement Savings Fund Conservative Plan Direct-Growth has 28.63% allocated to equity, and 66.54% to debt. You can also check the historical trends above.

What is the market cap allocation of Tata Retirement Savings Fund Conservative Plan Direct-Growth?

As of 31 Aug 2026, Tata Retirement Savings Fund Conservative Plan Direct-Growth's market cap allocation is 53.30% in large caps, 21.59% in mid caps, and 25.11% in small caps.

What is the PE ratio of Tata Retirement Savings Fund Conservative Plan Direct-Growth's portfolio?

The portfolio PE ratio of Tata Retirement Savings Fund Conservative Plan Direct-Growth is 31.55 as of 31 Aug 2026. The portfolio PE ratio tells you how expensive or cheap the fund's holdings are relative to their earnings.

What is the credit quality of Tata Retirement Savings Fund Conservative Plan Direct-Growth?

As of 31 Aug 2026, Tata Retirement Savings Fund Conservative Plan Direct-Growth's debt portfolio has 8.68% in AAA-rated instruments, - in AA-rated, and 57.86% in sovereign securities. Higher allocation to AAA and sovereign instruments indicates lower credit risk in the non-equity portion of the portfolio.

When is the latest portfolio disclosure for Tata Retirement Savings Fund Conservative Plan Direct-Growth?

The latest portfolio disclosure for Tata Retirement Savings Fund Conservative Plan Direct-Growth is as of 31 Aug 2026. SEBI requires all mutual funds to disclose their complete portfolio holdings on a monthly basis, typically within 10 days of the end of each month.

Loading…

Asset

31 Aug 2026

31 Jul 2026

30 Jun 2026

31 May 2026

30 Apr 2026

31 Mar 2026

Equity

28.63%

29.34%

28.95%

28.52%

29.48%

26.64%

Debt

66.54%

67.77%

68.45%

68.24%

69.04%

67.90%

Others (incl. cash)

4.83%

2.89%

2.60%

3.24%

1.48%

5.46%

Commodities

0.00%

Real Estate

0.00%

Instrument

Sector

No. of Shares

Value (Rs. Cr)

Weight

Change

Solar Industries India Ltd.

Chemicals

1,368

2.75

1.61%

0.12%↑

ICICI Bank Ltd.

Financial

18,000

2.62

1.53%

0.00%

Ather Energy Ltd.

Automobile

12,479

2.14

1.25%

0.32%↑

Reliance Industries Ltd.

Energy

16,200

2.07

1.21%

-0.04%↓

Eternal Ltd.

Services

63,000

2.07

1.21%

0.08%↑

Multi Commodity Exchange Of India Ltd.

Services

5,490

1.87

1.09%

0.21%↑

Coal India Ltd.

Materials

38,700

1.55

0.91%

-0.04%↓

Dixon Technologies (India) Ltd.

Capital Goods

990

1.47

0.86%

0.04%↑

DOMS Industries Ltd.

Consumer Staples

6,000

1.34

0.78%

-0.02%↓

Exide Industries Ltd.

Capital Goods

27,900

1.23

0.72%

-0.02%↓

Radico Khaitan Ltd.

Consumer Staples

2,700

1.21

0.71%

-0.22%↓

Polycab India Ltd.

Capital Goods

1,260

1.19

0.70%

-0.03%↓

PB Fintech Ltd.

Services

6,300

1.18

0.69%

0.09%↑

Adani Ports and Special Economic Zone Ltd.

Services

7,200

1.15

0.67%

-0.05%↓

Bikaji Foods International Ltd.

Consumer Staples

18,000

1.13

0.66%

-0.02%↓

Kotak Mahindra Bank Ltd.

Financial

27,000

1.13

0.66%

0.04%↑

360 One Wam Ltd.

Financial

9,630

1.13

0.66%

0.01%↑

Tata Consumer Products Ltd.

Consumer Staples

10,707

1.11

0.65%

-0.04%↓

Fujiyama Power Systems Ltd.

Energy

23,400

1.08

0.63%

0.10%↑

Sun Pharmaceutical Industries Ltd.

Healthcare

5,400

1.07

0.63%

0.21%↑

Sector

31 Aug 2026

31 Jul 2026

30 Jun 2026

31 May 2026

30 Apr 2026

31 Mar 2026

Financial

5.57%

6.06%

6.07%

5.91%

6.91%

7.51%

Services

4.68%

3.97%

4.45%

4.28%

4.39%

3.55%

Consumer Staples

4.14%

4.52%

5.22%

5.34%

5.19%

4.85%

Energy

2.86%

2.84%

2.55%

2.77%

2.79%

2.25%

Capital Goods

2.79%

3.41%

3.38%

3.33%

3.18%

2.09%

Healthcare

1.74%

1.44%

1.37%

1.01%

0.67%

0.36%

Chemicals

1.61%

1.49%

1.56%

1.58%

1.69%

1.30%

Automobile

1.54%

1.23%

0.30%

0.28%

0.29%

0.28%

Materials

1.19%

1.24%

1.01%

1.07%

1.13%

Technology

1.05%

1.10%

0.91%

1.03%

1.10%

1.32%

Consumer Discretionary

0.89%

0.98%

1.11%

1.07%

1.13%

1.06%

Metals & Mining

0.57%

0.60%

0.61%

0.46%

0.60%

0.34%

Construction

0.46%

0.41%

0.39%

0.41%

0.34%

Insurance

0.26%

Rating

Fund