Tata Retirement Savings Fund-Moderate · Regular · Growth
NAV
₹66.3492
as of 17 Jun 2026
Expense Ratio
2.04%
AUM
₹2,063 Cr
Lumpsum returns (CAGR)
- 1Y
- +2.10%
- 3Y
- +12.86%
- 5Y
- +10.71%
- Since Inception
- +13.81%
SIP returns (XIRR)
- 1Y
- +7.88%
- 3Y
- +8.62%
- 5Y
- +10.78%
- Since Inception
- +12.88%
Beat the benchmark — ₹150/month SIP
Same SIP in this fund vs the benchmark index
This fund
₹69,127
Benchmark
₹67,237
+₹1,890 extra wealth vs the benchmark index
Backtest this SIP yourselfSIP since inception — what ₹150/month became
Real NAV backtest from day one
₹26,250
Invested
₹69,127
Value today
12.4%
XIRR (p.a.)
₹150/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹5,000 lumpsum at launch — value today
Invested on the fund's first NAV date
₹5,000
Invested
₹31,851
Value today
13.5%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹8,75,000
Withdrawn
₹40,65,978
Corpus left
+₹39,40,978 net gain — withdrew ₹8,75,000 AND corpus grew
Plan your SWP with real NAV₹6L corpus via 12-month STP from a liquid fund at inception
₹50K/month transferred from HDFC Liquid → this fund at launch
₹6,00,000
Invested
₹36,98,469
Value today
-3.2%
vs lumpsum
Direct lumpsum would have beaten STP by 3.2% — but STP reduced timing risk
Model your own STP with real NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹2,79,572
Value today
2.8×
Multiple
Staying invested through that crash turned ₹1L into ₹2,79,572 — a 2.8× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised-0.24
Sharpe Ratio
-0.01
Alpha
0.43
Beta
-0.23
Sortino
13.22%
Std Dev
-14.32%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Solar Industries India Ltd4.40%
- 2Icici Bank Ltd4.09%
- 3Reliance Industries Ltd3.90%
- 4Bse Ltd3.70%
- 5Multi Commodity Exchange Of Ind Ltd3.29%
- 6Goi - 6.36% (16/02/2031)3.26%
- 7Eternal Ltd2.87%
- 8Radico Khaitan Ltd2.77%
- 9Itc Ltd2.41%
- 10Hdfc Bank Ltd2.30%
Investment Objective
Tata Retirement Savings Fund-Moderate · Regular · Growth by Tata Mutual Fund is a Retirement Fund fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Retirement Fund category.
About This Fund
Tata Retirement Savings Fund-Moderate · Regular · Growth is a Retirement Fund mutual fund offered by Tata Mutual Fund. The fund has been operational for over 14 years. It manages assets worth ₹2,063 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL Hybrid 25+75 - Aggressive Index. The current expense ratio is 2.04%.
Who Should Invest?
- •Aggressive investors comfortable with significant short-term volatility
- •Investors with a long-term horizon of 7+ years who can ride out market cycles
- •Individuals planning for retirement with a systematic long-term investment approach
- •SIP investors who can benefit from rupee cost averaging during market fluctuations