Tata Retirement Savings Fund Moderate Plan Direct-Growth
Hybrid: Aggressive Hybrid - Growth (Open ended)
SEBI Riskometer: Very HighCategory: Hybrid: Aggressive HybridBenchmark: CRISIL Hybrid 25+75 Aggressive IndexCheck Portfolio Overlap →
NAV: ₹76.66-0.70%
22 Oct 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for Tata Retirement Savings Fund Moderate Plan Direct-Growth.
Market Cap Distribution
Large Cap (54.5%)
Mid Cap (21.6%)
Small Cap (23.9%)
Historical Asset Allocation
| Asset | 30 Sep 2026 | 31 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 |
|---|---|---|---|---|---|---|
| Equity | 79.08% | 80.73% | 83.04% | 82.26% | 81.94% | 82.81% |
| Debt | 14.06% | 13.98% | 14.28% | 14.59% | 14.59% | 13.05% |
| Others (incl. cash) | 6.86% | 5.29% | 2.68% | 3.15% | 3.47% | 4.14% |
| 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
67
P/E Ratio
32.24
P/B Ratio
4.52
Top Holding %
6.86%
Top 5 Holdings %
22.59%
Top 10 Holdings %
34.55%
Modified Duration
2.30 yrs
Avg. Maturity
2.87 yrs
AUM
₹2,115 Cr
Expense Ratio
0.83%
Since Inception
14.29%
Max Drawdown
-0.30%
Sharpe Ratio
0.43
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 | 50,850 | 100.17 | 4.74% | 0.00% |
| ICICI Bank Ltd. | Financial | 6,84,000 | 90.4 | 4.27% | -0.15%↓ |
| Eternal Ltd. | Services | 23,04,000 | 73.73 | 3.49% | 0.13%↑ |
| Multi Commodity Exchange Of India Ltd. | Services | 2,07,000 | 68.32 | 3.23% | 0.10%↑ |
| Reliance Industries Ltd. | Energy | 5,76,000 | 68.37 | 3.23% | -0.04%↓ |
| Radico Khaitan Ltd. | Consumer Staples | 1,26,000 | 55.01 | 2.60% | 0.09%↑ |
| Adani Ports and Special Economic Zone Ltd. | Services | 2,43,000 | 43.7 | 2.07% | 0.35%↑ |
| 360 One Wam Ltd. | Financial | 4,05,000 | 41.72 | 1.97% | -0.14%↓ |
| Kirloskar Pneumatic Company Ltd. | Capital Goods | 6,09,786 | 41.26 | 1.95% | 0.01%↑ |
| Karur Vysya Bank Ltd. | Financial | 12,60,000 | 40.92 | 1.93% | -0.02%↓ |
| Kotak Mahindra Bank Ltd. | Financial | 9,63,000 | 40.16 | 1.90% | 0.11%↑ |
| Exide Industries Ltd. | Capital Goods | 9,27,000 | 38.25 | 1.81% | 0.00% |
| Coal India Ltd. | Materials | 8,73,000 | 37.1 | 1.75% | 0.19%↑ |
| Rainbow Childrens Medicare Ltd. | Healthcare | 2,78,100 | 36.55 | 1.73% | -0.02%↓ |
| One 97 Communications Ltd. | Services | 2,16,000 | 36.24 | 1.71% | 0.20%↑ |
| Sun Pharmaceutical Industries Ltd. | Healthcare | 1,98,000 | 35.97 | 1.70% | -0.05%↓ |
| Tata Consumer Products Ltd. | Consumer Staples | 3,74,000 | 35.51 | 1.68% | -0.04%↓ |
| Titan Company Ltd. | Consumer Discretionary | 75,600 | 34.68 | 1.64% | -0.07%↓ |
| Dixon Technologies (India) Ltd. | Capital Goods | 26,100 | 34.19 | 1.62% | -0.10%↓ |
| Nippon Life India Asset Management Ltd. | Financial | 3,15,000 | 33.71 | 1.59% | -0.05%↓ |
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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 | 30 Sep 2026 | 31 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 |
|---|---|---|---|---|---|---|
| Financial | 16.94% | 17.12% | 18.53% | 18.30% | 17.80% | 20.86% |
| Services | 13.35% | 13.39% | 11.11% | 12.45% | 12.54% | 11.91% |
| Consumer Staples | 10.89% | 10.92% | 11.89% | 13.51% | 13.94% | 13.57% |
| Energy | 8.02% | 8.12% | 8.20% | 6.95% | 7.57% | 7.68% |
| Capital Goods | 7.52% | 7.97% | 9.93% | 10.04% | 9.67% | 9.56% |
| Healthcare | 5.09% | 5.19% | 4.41% | 4.18% | 3.83% | 2.50% |
| Chemicals | 4.74% | 4.74% | 4.40% | 4.64% | 4.82% | 4.40% |
| Materials | 3.62% | 3.45% | 3.46% | 2.23% | 2.17% | 1.33% |
| Automobile | 3.34% | 3.56% | 2.89% | 1.99% | 1.82% | 1.88% |
| Technology | 2.72% | 2.81% | 2.94% | 2.47% | 2.79% | 2.96% |
| Consumer Discretionary | 1.64% | 2.30% | 2.51% | 2.84% | 2.75% | 3.42% |
| Metals & Mining | 1.21% | 1.16% | 1.23% | 1.27% | 0.91% | 1.33% |
| Construction | - | - | 1.54% | 1.39% | 1.33% | 1.41% |
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 | 9.40% | 6.44% |
| Cash & Call Money | 6.86% | 5.02% |
| AAA | 3.48% | 5.96% |
| AA+ | 1.18% | 1.82% |
| A | - | 0.01% |
| A+ | - | 0.06% |
| A1+ | - | 2.84% |
| AA | - | 0.60% |
| AA- | - | 0.40% |
| B+ | - | 0.00% |
| BBB | - | 0.00% |
| Cash | - | 0.07% |
| D | - | 2.32% |
| Others | - | 0.03% |
| Term Deposits | - | 0.05% |
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
43.8 / 100
Weighted average Value score is 43.8. This indicates that portfolio is relatively reasonably valued using composite of value measures.
Price Momentum score
56.3 / 100
Weighted average Price Momentum score is 56.3. This indicates that portfolio has average momentum using composite of momentum measures.
Quality score
72.1 / 100
Weighted average Quality score is 72.1. This indicates that portfolio has average quality using composite of quality measures.
QVM score
63.3 / 100
Weighted average QVM score is 63.3. This indicates that portfolio has average QVM score and hence a neutral stance is warranted.
Red Flags
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
No data available
Instruments
| Full name | Description | Coupon rate | Maturity | Rating raw | Weight |
|---|---|---|---|---|---|
| GOI | GOI Securities | 6.36% | 16/02/2031 | SOV | 2.09% |
| GOI | GOI Securities | 6.94% | 11/05/2036 | SOV | 1.77% |
| GOI | GOI Securities | 7.38% | 20/06/2027 | SOV | 1.43% |
| GOI | GOI Securities | 6.79% | 07/10/2034 | SOV | 1.39% |
| Vedanta Ltd. | Non Convertible Debenture | 0.09% | 30/09/2029 | CRISIL-AA+ | 1.18% |
| National Bank For Agriculture & Rural Development | Bonds | 7.44% | 24/02/2028 | CRISIL-AAA | 1.18% |
| HDFC Bank Ltd. | Debenture | 7.80% | 03/05/2033 | CRISIL-AAA | 1.17% |
| GOI | GOI Securities | 6.79% | 26/12/2029 | SOV | 0.95% |
| Shivshakti Securitisation Trust | Securitised Debt | 0.00% | 0 | CRISIL-AAA | 0.90% |
| GOI | GOI Securities | 6.48% | 06/10/2035 | SOV | 0.68% |
| GOI | GOI Securities | 6.10% | 12/07/2031 | SOV | 0.53% |
| GOI | GOI Securities | 7.36% | 12/09/2052 | SOV | 0.46% |
| NHPC Ltd. | Debenture | 7.13% | 09/02/2029 | ICRA-AAA | 0.23% |
| GOI | GOI Securities | 7.26% | 14/01/2029 | SOV | 0.10% |
Frequently Asked Questions
What are the top holdings of Tata Retirement Savings Fund Moderate Plan Direct-Growth?
The top holdings of Tata Retirement Savings Fund Moderate Plan Direct-Growth as of 30 Sep 2026 are Others (6.86%), Solar Industries India Ltd. (4.74%), ICICI Bank Ltd. (4.27%), Eternal Ltd. (3.49%), Multi Commodity Exchange Of India Ltd. (3.23%). These top 5 stocks together account for 22.59% of the total portfolio. You can view the complete holdings breakdown above.
How many stocks does Tata Retirement Savings Fund Moderate Plan Direct-Growth hold in its portfolio?
Tata Retirement Savings Fund Moderate Plan Direct-Growth holds 67 stocks in its portfolio as of 30 Sep 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 Moderate Plan Direct-Growth?
As of 30 Sep 2026, Tata Retirement Savings Fund Moderate Plan Direct-Growth's top sector allocations are Financial (16.94%), Services (13.35%), Consumer Staples (10.89%). You can find detailed sector allocation above.
What is the equity and debt allocation of Tata Retirement Savings Fund Moderate Plan Direct-Growth?
As of 30 Sep 2026, Tata Retirement Savings Fund Moderate Plan Direct-Growth has 79.08% allocated to equity, and 14.06% to debt. You can also check the historical trends above.
What is the market cap allocation of Tata Retirement Savings Fund Moderate Plan Direct-Growth?
As of 30 Sep 2026, Tata Retirement Savings Fund Moderate Plan Direct-Growth's market cap allocation is 54.48% in large caps, 21.65% in mid caps, and 23.87% in small caps.
What is the PE ratio of Tata Retirement Savings Fund Moderate Plan Direct-Growth's portfolio?
The portfolio PE ratio of Tata Retirement Savings Fund Moderate Plan Direct-Growth is 32.24 as of 30 Sep 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 Moderate Plan Direct-Growth?
As of 30 Sep 2026, Tata Retirement Savings Fund Moderate Plan Direct-Growth's debt portfolio has 3.48% in AAA-rated instruments, 1.18% in AA-rated, and 9.40% 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 Moderate Plan Direct-Growth?
The latest portfolio disclosure for Tata Retirement Savings Fund Moderate Plan Direct-Growth is as of 30 Sep 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.