TATA RETIREMENT SAVINGS FUND-MODERATE PLAN vs TATA RETIREMENT SAVINGS FUND-PROGRESSIVE PLAN

Tata vs Tata· Portfolio Overlap Analysis

79.9%High Overlap
44 common stocksRank #2679 / 5,000

Investor takeaway: These funds overlap 79.9%. Holding both gives you almost no extra diversification. You are effectively paying two expense ratios for the same portfolio core.

Common Holdings (44)

StockWt% in TATA RETIREMENT SAVINGS FUND-MWt% in TATA RETIREMENT SAVINGS FUND-POverlap
ICICI BANK LTD.
Banks
4.56%5.42%4.56%
HDFC BANK LTD.
Banks
4.29%4.85%4.29%
RELIANCE INDUSTRIES LTD.
Petroleum Products
3.88%4.49%3.88%
SOLAR INDUSTRIES INDIA LTD.
Chemicals & Petrochemicals
3.88%4.59%3.88%
BSE LTD.
Capital Markets
3.42%3.87%3.42%
ETERNAL LTD.
Retailing
2.87%3.32%2.87%
MULTI COMMODITY EXCHANGE OF IND LTD.
Capital Markets
2.84%3.36%2.84%
RADICO KHAITAN LTD.
Beverages
2.70%2.82%2.70%
ITC LTD.
Diversified FMCG
2.46%2.90%2.46%
NIPPON LIFE INDIA ASSET MANAGEMENT LTD.
Capital Markets
2.39%2.79%2.39%
POLYCAB INDIA LTD.
Industrial Products
2.25%2.69%2.25%
KARUR VYSYA BANK LTD.
Banks
2.13%2.49%2.13%
360 ONE WAM LTD.
Capital Markets
2.11%2.47%2.11%
TITAN COMPANY LTD.
Consumer Durables
2.07%2.32%2.07%
TATA CONSUMER PRODUCTS LTD.
Agricultural Food & other Products
2.06%2.17%2.06%
MUTHOOT FINANCE LTD.
Finance
1.91%2.18%1.91%
HCL TECHNOLOGIES LTD.
IT - Software
1.87%2.24%1.87%
KOTAK MAHINDRA BANK LTD.
Banks
1.73%2.08%1.73%
DOMS INDUSTRIES LTD.
Household Products
1.65%1.98%1.65%
TATA CAPITAL LTD
Finance
1.64%1.94%1.64%
RAINBOW CHILDRENS MEDICARE LTD.
Healthcare Services
1.60%2.02%1.60%
KIRLOSKAR PNEUMATIC COMPANY LTD.
Industrial Products
1.71%1.59%1.59%
OIL INDIA LTD.
Oil
1.59%1.84%1.59%
EXIDE INDUSTRIES LTD.
Auto Components
1.50%1.73%1.50%
NESTLE INDIA LTD.
Food Products
1.46%1.73%1.46%
BIKAJI FOODS INTERNATIONAL LTD
Food Products
1.44%1.71%1.44%
METRO BRANDS LTD.
Consumer Durables
1.44%1.50%1.44%
BANK OF BARODA
Banks
1.32%1.57%1.32%
GODREJ PROPERTIES LTD.
Realty
1.31%1.54%1.31%
BILLIONBRAINS GARAGE VENTURES LIMITED (GROWW)
Capital Markets
1.28%1.53%1.28%
COAL INDIA LTD.
Consumable Fuels
1.24%1.64%1.24%
GODREJ INDUSTRIES LTD
Diversified
1.16%1.25%1.16%
MAHANAGAR GAS LTD.
Gas
1.08%1.66%1.08%
TATA CONSULTANCY SERVICES LTD.
IT - Software
1.03%1.18%1.03%
MANAPPURAM FINANCE LTD.
Finance
0.99%1.27%0.99%
ADANI PORTS AND SPECIAL ECONOMIC ZONE LTD.
Transport Infrastructure
0.95%1.63%0.95%
SHRIRAM FINANCE LTD.
Finance
0.94%1.16%0.94%
VEDANTA LTD.
Diversified Metals
0.94%1.19%0.94%
MARUTI SUZUKI INDIA LTD.
Automobiles
0.90%1.06%0.90%
HDFC LIFE INSURANCE CO. LTD.
Insurance
0.83%0.98%0.83%
LARSEN & TOUBRO LTD.
Construction
0.74%0.86%0.74%
ZENSAR TECHNOLOGIES LTD.
IT - Software
0.71%0.83%0.71%
GODREJ AGROVET LTD.
Food Products
0.63%0.77%0.63%
FUJIYAMA POWER SYSTEMS LTD.
Electrical Equipment
0.54%0.93%0.54%

Unique to TATA RETIREMENT SAVINGS FUND-M

All top holdings are shared with the other fund.

Unique to TATA RETIREMENT SAVINGS FUND-P

All top holdings are shared with the other fund.

Sector Overlap Breakdown

Banks
14.0% (5)
Capital Markets
12.0% (5)
Finance
5.5% (4)
Petroleum Products
3.9% (1)
Chemicals & Petrochemicals
3.9% (1)
Industrial Products
3.8% (2)
IT - Software
3.6% (3)
Food Products
3.5% (3)
Consumer Durables
3.5% (2)
Retailing
2.9% (1)
Beverages
2.7% (1)
Diversified FMCG
2.5% (1)
Agricultural Food & other Products
2.1% (1)
Household Products
1.6% (1)
Healthcare Services
1.6% (1)
Oil
1.6% (1)
Auto Components
1.5% (1)
Realty
1.3% (1)
Consumable Fuels
1.2% (1)
Diversified
1.2% (1)
Gas
1.1% (1)
Transport Infrastructure
0.9% (1)
Diversified Metals
0.9% (1)
Automobiles
0.9% (1)
Insurance
0.8% (1)
Construction
0.7% (1)
Electrical Equipment
0.5% (1)

Overlap calculated on equity holdings only. Debt, government securities, and cash are excluded.