About Tata Retirement Savings Fund-Moderate Plan
Tata Retirement Savings Fund-Moderate Plan is a retirement fund managed by Tata Mutual Fund. Solution-oriented funds for retirement, with a lock-in of 5 years or until retirement age, whichever is earlier.
To provide a financial planning tool for long term financial security for investors based on their retirement planning goals.
The scheme's stated objective, as published by Tata Mutual Fund.
The NAV (net asset value) is the price of one unit of the fund. It is published by the fund house every business day and changes with the value of the fund's holdings. The Growth option reinvests all gains, so its NAV reflects the fund's total return.
Tax on your gains
How gains are taxed depends on what the scheme holds — equity, debt, gold or units of other funds each follow different rules. The scheme document states which applies.
Work out what you would owe with the capital gains tax calculator.
Every plan and option, with scheme codes
| Plan | Option | NAV | Scheme code |
|---|---|---|---|
| Direct | Growth Option | ₹81.317 | 119255 |
| Regular | Growth Option | ₹67.1949 | 115943 |
Frequently asked questions
What is the NAV of Tata Retirement Savings Fund-Moderate Plan today?
The NAV of Tata Retirement Savings Fund-Moderate Plan (Direct plan, Growth) is ₹81.317 and the Regular plan NAV is ₹67.1949, as of 18 Sept 2026.
What returns has Tata Retirement Savings Fund-Moderate Plan given?
Over the last year the Direct plan returned 4.27%, and 12.06% a year over 3 years and 10.37% a year over 5 years. That places it 6 of 26 funds in its category over 3 years. Past returns do not guarantee future returns.
What is the expense ratio of Tata Retirement Savings Fund-Moderate Plan?
The Direct plan charges 0.83% a year, as disclosed on 31 Jul 2026. The fee is already taken out of the NAV, so the returns above are what you keep.
What is the minimum SIP amount in Tata Retirement Savings Fund-Moderate Plan?
You can start a monthly SIP with ₹150, or invest a lump sum of ₹5,000 or more.
How much has Tata Retirement Savings Fund-Moderate Plan fallen in the past?
Its deepest fall was 29.6% from 19 Feb 2020 to 23 Mar 2020. Of every one-year stretch in its history, 85% ended in a gain.
Which category does Tata Retirement Savings Fund-Moderate Plan belong to?
It is a Retirement Fund from Tata Mutual Fund. Solution-oriented funds for retirement, with a lock-in of 5 years or until retirement age, whichever is earlier.
What is the difference between the Direct and Regular plan?
Both invest in the same portfolio. The Direct plan is bought straight from the fund house or a direct platform and has a lower expense ratio because no distributor commission is paid, so its NAV grows slightly faster over time.
How are gains from Tata Retirement Savings Fund-Moderate Plan taxed?
How gains are taxed depends on what the scheme holds — equity, debt, gold or units of other funds each follow different rules. The scheme document states which applies.
Source: NAVs published by the fund house through AMFI. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance does not guarantee future returns. This page is for information only and is not a recommendation to buy or sell.