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Tata Gilt Retirement Plan 28/2/25 Growth Option

Fund House: Tata Mutual Fund
Category: Retirement Fund
Launch Date: 29-09-2003
Asset Class: Fixed Income
Benchmark: CRISIL Dynamic Gilt TRI
TER: 1.5% As on (30-09-2017)
Status: Open Ended Schemes
Minimum Investment: 50000.0
Minimum Topup: 1000.0
Total Assets: 285.81 Cr As on (31-10-2023)
Turn over: - | Exit Load: Nil
NAV as on 01-12-2023

31.1368

-0.04 (-0.1233%)

CAGR Since Inception

5.79%

Benchmark: 8.67%

PERFORMANCE

Returns Type:
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End : 
Period:  
This Scheme
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vs
S&P BSE India Bond Index
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Gold
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PPF
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Returns Type:
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  Period:  

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Period:  

RETURNS ANALYSIS

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Fund Multiplier

Time it would have taken to make your money double (2x), quadruple (4x) and quintuple (5x)

Time Taken To Multiply
2x
4x
5x
10x
FUND
12 Years 7 Months
There is no value for 4x
There is no value for 5x
There is no value for 10x
FD
11 years 10 Months
GOLD
8 years 9 Months
NIFTY
5 years 5 Months

 

Investment Objective

The scheme is a dedicated gilt fund which would invest in G-Secs to generate risk-free return and provide medium-to-long term capital gains.

Current Asset Allocation (%)

Indicators

Standard Deviation 2.51
Sharpe Ratio -0.55
Alpha -1.0
Beta 0.6
Yield to Maturity 7.55
Average Maturity 14.85

PEER COMPARISON

Scheme Name Inception
Date		 1 Year
Return(%)		 2 Year
Return(%)		 3 Year
Return(%)		 5 Year
Return(%)		 10 Year
Return(%)
Tata Gilt Retirement Plan 28/2/25 Growth Option 29-09-2003 5.95 4.02 3.24 5.99 7.32
ICICI Prudential Retirement Fund - Pure Equity - Growth Option 01-02-2019 23.09 13.92 26.94 - -
HDFC Retirement Savings Fund - Equity Plan - Growth Option 07-02-2016 22.98 17.29 26.75 19.3 -
Union Retirement Fund - Regular Plan - Growth Option 22-09-2022 19.77 - - - -
Tata Retirement Savings Fund - Progressive Plan -Regular Plan-Growth Option 01-11-2011 19.75 9.54 15.72 13.47 15.95
ICICI Prudential Retirement Fund - Hybrid Aggressive - Growth Option 02-02-2019 18.83 12.0 18.37 - -
Nippon India Retirement Fund- Wealth Creation Scheme- Growth Plan - Growth Option 05-02-2015 18.48 12.53 20.81 11.8 -
HDFC Retirement Savings Fund - Hybrid-Equity Plan - Growth Option 01-02-2016 18.11 12.24 18.4 14.74 -
Tata Retirement Savings Fund- Moderate Plan-Regular Plan-Growth Option 01-11-2011 17.53 9.37 14.49 12.43 15.79
SBI Retirement Benefit Fund - Aggressive Plan - Regular Plan - Growth 10-02-2021 15.13 13.47 - - -

Scheme Characteristics

Minimum investment in Gsecs- 80% of total assets (across maturity).

Riskometer

riskometer

PORTFOLIO

Market Cap Distribution

Others

100.0%

Scheme Documents

Monthly Portfolio Disclosure - October 2023

Tax Benefits of investing in this fund

Capital gains will be deemed as short-term capital gains (STCG) for units acquired on or after April 1, 2023 and will be taxed at the applicable income tax slab rate**.

Income distribution cum capital withdrawal (IDCW) shall be taxable in the hands of investors and the mutual fund will deduct TDS @10% for resident investors and @20% (plus applicable surcharge and cess) for non-resident investors before payouts/re-investment. However, investors can claim tax-credit of TDS deducted at the time of filing their annual return.

** Capital gains on sale of units acquired on or before March 31, 2023 & redeemed on or after April 1, 2023 will be taxed as below:

Long term capital gains (LTCG) tax @20% (plus surcharge, if applicable and cess) with indexation if units held for more than 36 months.

In case of an investor being NRI, LTCG tax are chargeable @ 10% (plus surcharge, if applicable and cess) without indexation relating to units redeemed from unlisted schemes.

Short term capital gains (STCG) tax at the income tax slab rate if units are held for less than 36 months.

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