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Tata Retirement Savings Fund-Moderate Plan
Direct Plan · Growth Option · Tata Mutual Fund
Returns
Annualised (CAGR) returns for periods over a year.
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Rank in Category
| Period | This Fund | Category Avg. | Rank |
|---|---|---|---|
| 1W | +4.43% | +3.10% | 6 of 29 |
| 1M | +2.56% | +2.05% | 13 of 29 |
| 3M | -3.28% | -2.98% | 21 of 29 |
| 6M | +2.53% | +0.56% | 10 of 29 |
| YTD | +2.95% | -1.35% | 5 of 29 |
| 1Y | +3.19% | -1.13% | 5 of 29 |
| 2Y | +3.74% | +1.82% | 16 of 29 |
| 3Y | +12.00% | +7.99% | 6 of 27 |
| 5Y | +9.94% | +7.00% | 9 of 25 |
| 7Y | +12.81% | +8.97% | 6 of 18 |
| 10Y | +12.86% | +8.80% | 3 of 10 |
| INCEPTION | +14.61% | — | — |
Ranked among: Solution Oriented Schemes ** - Retirement Fund.
Rolling Returns
| Period | Average | Best | Worst | Positive Periods | Consistency |
|---|---|---|---|---|---|
| 3M | +3.96% | +29.86% | -27.79% | 71% | 29% |
| 6M | +8.02% | +41.01% | -24.55% | 75% | 31% |
| 1Y | +17.05% | +76.53% | -22.52% | 87% | 38% |
| 2Y | +16.14% | +41.34% | -8.70% | 98% | 44% |
| 3Y | +15.42% | +29.99% | -1.21% | 100% | 45% |
| 5Y | +14.62% | +25.75% | +3.52% | 100% | 45% |
| 7Y | +14.22% | +19.83% | +10.74% | 100% | 45% |
| 10Y | +14.98% | +18.09% | +11.78% | 100% | 46% |
Rolling returns show the average, best and worst outcome an investor would have seen entering at any point in the window.
NAV History
AUM Trend (₹ Cr, quarterly average)
Expense Ratio Trend
Portfolio · Sep 2026
Asset Allocation
- Equity79.08%
- Debt14.06%
- Cash6.86%
- Other0.00%
Market Cap Split
- Large Cap43.08%
- Mid Cap17.12%
- Small Cap18.88%
- Others20.92%
Fundamentals
| Fund | Category | |
|---|---|---|
| P/E | 28.65 | 24.15 |
| P/B | 4.64 | 3.54 |
| Price / Sales | 3.99 | 3.12 |
| Price / Cash Flow | 20.40 | 18.74 |
| Dividend Yield (%) | 0.89 | 1.41 |
Holdings · Sep 2026
| Holding | Sector | Weight | Change (1M) |
|---|---|---|---|
| Solar Industries | Chemicals & Petrochemicals | 4.74% | +0.00% |
| ICICI Bank | Banks | 4.27% | -0.15% |
| I) REPO | Reverse Repo / TREPS | 3.95% | — |
| Eternal | Retailing | 3.49% | +0.13% |
| Reliance Industries | Petroleum Products | 3.23% | -0.04% |
| MCX | Capital Markets | 3.23% | +0.10% |
| CASH / NET CURRENT ASSET | Net Current Assets | 2.91% | — |
| Radico Khaitan | Beverages | 2.60% | +0.09% |
| GOI LOAN 6.36% 2031 | SOV | 2.09% | -0.99% |
| Adani Ports & SEZ | Transport Infrastructure | 2.07% | +0.35% |
| 360 One WAM | Capital Markets | 1.97% | -0.14% |
| Kirloskar Pneumatic Company | Industrial Products | 1.95% | +0.01% |
| Karur Vysya Bank | Banks | 1.93% | -0.02% |
| Kotak Bank | Banks | 1.90% | +0.11% |
| Exide Industries | Auto Components | 1.81% | +0.00% |
View all 68 holdings
| GOI LOAN 6.94% 2036 | SOV | 1.77% | +0.08% |
| Coal India | Consumable Fuels | 1.75% | +0.19% |
| Rainbow Childrens Medicare | Equity | 1.73% | -0.02% |
| One 97 Communications | Financial Technology (Fintech) | 1.71% | +0.20% |
| Sun Pharmaceutical | Pharmaceuticals & Biotechnology | 1.70% | -0.05% |
| Tata Consumer Products | Agricultural Food & other Products | 1.68% | -0.04% |
| Titan | Consumer Durables | 1.64% | -0.07% |
| Dixon Technologies | Consumer Durables | 1.62% | -0.10% |
| Nippon Life India AMC | Capital Markets | 1.59% | -0.05% |
| BSE | Capital Markets | 1.58% | +0.01% |
| Groww | Capital Markets | 1.53% | +0.03% |
| Polycab | Industrial Products | 1.48% | -0.41% |
| DOMS Industries | Household Products | 1.46% | +0.01% |
| Nestle | Food Products | 1.45% | -0.11% |
| Oil India | Oil | 1.44% | -0.02% |
| 738GOI2027 | SOV | 1.43% | +0.08% |
| Pricol | Auto Components | 1.42% | -0.01% |
| HCL Technologies | IT - Software | 1.41% | -0.01% |
| GOI LOAN 6.79% 2034 | SOV | 1.39% | +0.07% |
| Fujiyama Power Systems | Electrical Equipment | 1.37% | -0.12% |
| PB FinTech | Financial Technology (Fintech) | 1.27% | -0.83% |
| Muthoot Finance | Finance | 1.22% | -0.02% |
| Godrej Industries | Diversified | 1.18% | -0.03% |
| ** 08.75 % VEDANTA LTD - 28/09/2029 | Debt | 1.18% | — |
| ** 07.44 % NABARD - 24/02/2028 | Debt | 1.18% | +0.07% |
| ** 07.80 % HDFC BANK LTD - 03/05/2033 | Debt | 1.17% | +0.07% |
| Ather Energy | Automobiles | 1.16% | -0.16% |
| Bikaji Foods International | Food Products | 1.15% | -0.15% |
| Apollo Hospitals | Equity | 1.15% | -0.02% |
| Adani Power | Power | 1.08% | +0.09% |
| Grasim Industries | Cement & Cement Products | 1.04% | -0.04% |
| RBL Bank | Banks | 0.96% | +0.11% |
| 679GOI2029 | SOV | 0.95% | +0.05% |
| Adani Energy Solutions | Power | 0.90% | -0.01% |
| SST-7.73%-28-9-29-PTC | Debt | 0.90% | +0.04% |
| Varun Beverages | Beverages | 0.85% | +0.16% |
| Shriram Finance | Finance | 0.84% | -0.05% |
| Ramco Cements | Cement & Cement Products | 0.83% | +0.02% |
| Tata Consultancy Services | IT - Software | 0.79% | -0.07% |
| Maruti Suzuki | Automobiles | 0.76% | -0.05% |
| Grindwell Norton | Industrial Products | 0.68% | +0.04% |
| GOI LOAN 6.48% 2035 | SOV | 0.68% | +0.03% |
| Diamond Power Infrastructure | Electrical Equipment | 0.66% | +0.05% |
| Manappuram Finance | Finance | 0.54% | +0.00% |
| Vedanta Aluminium Metal | Non - Ferrous Metals | 0.53% | +0.01% |
| GOI LOAN 6.10% 2031 | SOV | 0.53% | +0.02% |
| Zensar Technologies | IT - Software | 0.52% | -0.01% |
| Godrej Agrovet | Food Products | 0.52% | +0.04% |
| GlaxoSmithKline Pharmaceuticals | Pharmaceuticals & Biotechnology | 0.51% | -0.01% |
| 736GOI2052 | SOV | 0.46% | +0.03% |
| NHPCL-7.13%-9-2-29-PVT | Debt | 0.23% | +0.01% |
| Credit Access Grameen | Finance | 0.19% | +0.00% |
| 726GOI2029 | SOV | 0.10% | +0.01% |
Sector Allocation · Sep 2026
View all 26 sectors
Risk Metrics
Standard Deviation
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | 12.86 | 10.03 | High Volatility |
| 3Y | 12.62 | 9.44 | High Volatility |
| 5Y | 12.14 | 8.94 | High Volatility |
What is this?
Annualized population standard deviation of daily denomination-adjusted NAV returns, multiplied by sqrt(252). Values require a full timeframe of NAV history.
Sharpe Ratio
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | -0.30 | -0.86 | Above Average |
| 3Y | 0.42 | 0.13 | Above Average |
| 5Y | 0.33 | 0.05 | Above Average |
What is this?
Annualized Sharpe ratio calculated from month-end NAV returns using the latest available FBIL Overnight MIBOR rate as the risk-free rate. For schemes with less than three years of history, the 3Y value uses since-inception data. Applied risk-free rate: 5.73% (published 2026-10-28).
Sortino Ratio
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | 0.44 | 0.14 | Above Average |
| 3Y | 1.35 | 1.80 | Below Average |
| 5Y | 1.18 | 1.62 | Below Average |
What is this?
Annualized from daily NAV returns using a 0.00% minimum acceptable return; downside deviation includes only returns below this target.
Compare With Peers
| Scheme | 1Y | 3Y | 5Y | Since Inception |
|---|---|---|---|---|
|
ICICI Prudential Retirement Fund Hybrid Conservative Plan
Direct Plan · Growth
|
+3.76% | +9.45% | +8.46% | +9.46% |
|
ICICI Prudential Retirement Fund Pure Debt Plan
Regular Plan · IDCW
|
+2.93% | +5.47% | +4.89% | +6.02% |
|
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan
Regular Plan · GROWTH
|
+2.07% | +4.62% | +3.81% | +4.09% |
|
Tata Retirement Savings Fund-Progressive Plan
Regular Plan · Growth Option
|
+1.88% | +10.99% | +8.44% | +13.46% |
|
Tata Retirement Savings Fund-Conservative Plan
Regular Plan · Growth Option
|
+1.77% | +6.41% | +5.30% | +8.15% |
|
SBI Retirement Benefit Fund - Conservative Plan
Regular Plan · IDCW
|
+1.68% | +6.18% | +6.34% | +6.80% |
|
SBI Retirement Benefit Fund - Conservative Hybrid Plan
Direct Plan · Growth
|
+1.40% | +7.18% | +7.48% | +8.87% |
|
PGIM India Retirement Fund
Direct Plan · Direct Growth
|
+1.12% | — | — | +9.54% |
|
Aditya Birla Sun Life Retirement Fund-The 30s Plan
Regular Plan · IDCW
|
+1.00% | +5.13% | +4.41% | +7.08% |
|
ICICI Prudential Retirement Fund Hybrid Aggressive Plan
Direct Plan · IDCW
|
+0.77% | +17.08% | +13.59% | +15.40% |
More From Tata Asset Management Private Limited
| Scheme | 1Y | 3Y | 5Y | Since Inception |
|---|---|---|---|---|
| Tata Silver Exchange Traded Fund | +26.44% | — | — | +39.36% |
|
Tata Silver ETF Fund of Fund
Direct Plan · IDCW Reinvestment Option
|
+25.50% | — | — | +37.64% |
|
Tata Nifty Capital Markets Index Fund
Direct Plan · IDCW Payout Option
|
+19.89% | — | — | +21.71% |
|
Tata Nifty MidSmall Healthcare Index Fund
Direct Plan · IDCW Reinvestment Option
|
+17.94% | — | — | +18.48% |
| Tata Gold Exchange Traded Fund | +16.49% | — | — | +32.90% |
|
Tata Gold ETF Fund of Fund
Direct Plan · IDCW Reinvestment Option
|
+16.32% | — | — | +31.66% |
|
Tata Ultra Short Term Fund
Direct Plan · Monthly Reinvestment of Income Distribution cum capital withdrawal option
|
+6.91% | +7.27% | +6.74% | +6.49% |
|
Tata Arbitrage Fund
Direct Plan · Monthly Payout of Income Distribution cum capital withdrawal option
|
+6.71% | +7.42% | +6.95% | +5.88% |
|
Tata India Pharma & Healthcare Fund
Direct Plan · Growth Option
|
+6.67% | +19.61% | +15.20% | +13.24% |
|
Tata Money Market Fund
Direct Plan · Growth Option
|
+6.49% | +7.44% | +6.90% | +6.76% |
About This Scheme
Investment Objective
To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends.
Stated Asset Allocation
Equity and Equity related instruments 65% - 85%, Debt & Money Market instruments 15% - 35%, Units of InvITs 0% - 10%, Other Securities# 0% - 10%. # Other securities shall include: Overseas Exchange Traded Funds / Foreign Securities / Foreign Funds, Gold/Silver ETFs/ ETCDs as may be permitted under the extant SEBI Regulations. The scheme may invest in another scheme under the same asset management company or any other mutual fund without charging any fees, provided that aggregate inter-scheme investment made by all schemes under the same management or in schemes under the management of any other asset management company shall not exceed 5% of the net asset value of the mutual fund. Such investments shall be made in the schemes which are permitted by SEBI from time to time. Units of Equity Mutual funds will be considered under allocation for Equity and Equity related instruments and Units of Fixed Income mutual funds will be considered under allocation for Debt & Debt related instruments
Exit Load
A) If redeemed / switched-out on or after attainment of retirement age i.e. 60 years of age - Nil. B) In case of Auto switch-out of units on occurrence of “Auto-switch trigger event” - Nil. C) 1% -If redeemed before 61 months from the date of allotment.
Fund Managers
FM-1 Sonam Udasi,FM-2 Murthy Nagarajan, FM-3 Amit Somani
FM-1 Primary,FM-2 Primary, FM-3 Assistant Fund Manager
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Past performance is not indicative of future returns. Data is sourced from AMFI and fund houses via FinAPI and may lag official figures.