How Tata Retirement Savings Fund Can Support Your Long-Term Retirement Planning Needs?

The Tata Retirement Savings Fund is an open-ended retirement solution-oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier). You can buy or sell units of this fund at the current NAV price on any business day. However, this redemption is subject to the following exit load rules:

• If you withdraw after age 60, you will not be charged any exit load.
• If your money is automatically switched out due to a trigger event, no exit load is charged.
• If you withdraw before 61 months from the date you invested, you will be charged 1% of the fund’s NAV value at the time of withdrawal. This rule does not apply if you are already 60 years or older.

Furthermore, the fund does not promise or guarantee returns, and actual market performance may differ from expectations. This fund has three plans to choose from:

The Tata Retirement Savings Fund - Conservative Plan can invest minimum 70% to 100% of the money in debt & Money market instruments and keep a smaller portion in equities (up to 30%). This plan seeks to provide long term capital Appreciation and relative stability over high growth. 

Its benchmark is the CRISIL Short Term Debt Hybrid 75+25 Index, which includes 75% bonds and 25% Equities. This plan can be more suitable for older investors who want to preserve their capital while earning a regular income during retirement.

Disclaimer: The views mentioned above are for information & educational purposes only and do not construe to be any investment, legal or taxation advice. Investors must do their own research before investing. The views expressed in this article are personal in nature and in is no way trying to predict the markets or to time them. Any action taken by you on the basis of the information contained herein is your responsibility alone and Tata Asset Management Pvt. Ltd. will not be liable in any manner for the consequences of such action taken by you. Please consult your Mutual Fund Distributor before investing. The views expressed in this article may not reflect in the scheme portfolios of Tata Mutual Fund. There are no guaranteed or assured returns under any of the scheme of Tata mutual Fund.

This product is suitable for investors who are seeking*: CONSERVATIVE PLAN:  Long Term Capital Appreciation & Current Income.  A debt oriented (between 70%-100%) savings scheme which provides tool for retirement planning to individual investors. *Investors should consult their financial advisors if in doubt about whether the product is suitable for them.

It may be noted that risk-o-meter specified above is based on internal assessment. The same shall be updated as per provision no. 17.4.1.i of SEBI Master Circular on Mutual Fund dated 27.06.2024, on Product labelling in mutual fund schemes on ongoing basis.

The Tata Retirement Savings Fund - Moderate Plan seeks to provide potential for long-term growth and regular income. This scheme can invest mostly in equities, with minimum 65% to maximum 85% allocated to equities. The rest of the funds are invested in debt instruments for potential stability.

Its benchmark is the CRISIL Hybrid 25+75 Aggressive Index, which is made up of 75% stocks (BSE 200) and 25% bonds (CRISIL Composite Bond Index). This plan can be part of the retirement income strategy of middle-aged investors who want to combine equity with some debt exposure.

Disclaimer: The views mentioned above are for information & educational purposes only and do not construe to be any investment, legal, or taxation advice. Investors must do their own research before investing. The views expressed in this article are personal in nature and in is no way trying to predict the markets or to time them. Any action taken by you on the basis of the information contained herein is your responsibility alone and Tata Asset Management Pvt. Ltd. will not be liable in any manner for the consequences of such action taken by you. Please consult your Mutual Fund Distributor before investing. The views expressed in this article may not reflect in the scheme portfolios of Tata Mutual Fund. There are no guaranteed or assured returns under any of the scheme of Tata mutual Fund.

This product is suitable for investors who are seeking*: MODERATE PLAN:  Long Term Capital Appreciation & Current Income.  A predominantly equity oriented (between 65%-85%) savings scheme which provides tool for retirement planning to individual investors. *Investors should consult their financial advisors if in doubt about whether the product is suitable for them.

The Tata Retirement Savings Fund - Progressive Plan aims to achieve long-term growth by investing mostly in Equity stocks. This scheme invests between 85% and 100% of the money in equities. 

The stocks are chosen largely from companies listed in the Nifty 500 TRI index, which represents a wide range of large, mid, and small companies. Because of this, the Nifty 500 TRI is used as the benchmark to measure how this fund is performing. 

This plan can be suitable for investors who are trying to build wealth for retirement through higher equity exposure.

Disclaimer: The views mentioned above are for information & educational purposes only and do not construe to be any investment, legal or taxation advice. Investors must do their own research before investing. The views expressed in this article are personal in nature and in is no way trying to predict the markets or to time them. Any action taken by you on the basis of the information contained herein is your responsibility alone and Tata Asset Management Pvt. Ltd. will not be liable in any manner for the consequences of such action taken by you. Please consult your Mutual Fund Distributor before investing. The views expressed in this article may not reflect in the scheme portfolios of Tata Mutual Fund. There are no guaranteed or assured returns under any of the scheme of Tata mutual Fund.

This product is suitable for investors who are seeking*: PROGRESSIVE PLAN:  Long Term Capital Appreciation. An equity oriented (between 85%-100%) savings scheme which provides tool for retirement planning to individual investors. *Investors should consult their financial advisors if in doubt about whether the product is suitable for them.

When you invest in any retirement mutual fund, you receive “units” of the fund. The value of each unit is called the NAV (Net Asset Value), which changes daily. You can invest either as a lump sum (one-time) or start a Systematic Investment Plan (Daily, Weekly, Monthly, Quarterly, Annual investment). 

As of August 20, 2025, the minimum investment amount to start with is ₹100 in the SIP route and ₹5,000 in the lump sum mode for the Tata Retirement Savings Fund. 

For more clarity, let’s understand in simple steps how you can get started:

1. Visit the official Tata Mutual Fund website.
2. Choose which retirement plan you want (Conservative, Moderate, or Progressive).
3. Select the investment option type (Direct Growth, Regular Growth, or IDCW).
4. Click on “Start Investing.”
5. You’ll be redirected to the Quick Invest page, where you enter your PAN number.
6. Fill in your personal, bank, and KYC details to complete the process.

A retirement mutual fund is specifically designed to let you build wealth for your post-retirement phase. It invests in a mix of equities and debt instruments and tries to provide potential capital appreciation and regular income.

If you are making your retirement income strategy, the Tata Retirement Savings Fund can be considered as an option. It is available in three plans: Conservative, Moderate, and Progressive. Each plan is designed for different levels of risk. You can select the plan that best matches your age, financial goals, and risk appetite. 

For more information, you can visit www.tatamutualfund.com. The Investor Service Centre of Tata Asset Management Pvt. Ltd. is located at Mulla House, Ground Floor, 51, M.G. Road, Near Flora Fountain, Mumbai – 400 001, Maharashtra. The office hours are Monday to Friday, 9:00 AM to 5:30 PM, and Monday to Saturday, 9:00 AM to 5:30 PM. For assistance, you can also call (022) 6282 7777 or email service@tataamc.com.