Tata Retirement Savings Fund- Moderate Plan-Regular Plan-Growth Option
₹65.4637
₹0.79 (-1.19%)
NAV as of 29 May 2026
Today's NAV — all variants
Regular · Growth
₹₹65.4637
₹0.79 (-1.19%)
29 May 2026
AMFI: 115943
Direct · Growth
₹₹78.8926
₹0.94 (-1.18%)
29 May 2026
AMFI: 119255
Returns (Lumpsum)
CAGR for periods ≥ 1 yearSIP Returns (XIRR)
₹1,000/month SIP, annualisedSIP since inception — what ₹150/month became
Real NAV backtest from day one
₹26,100
Invested
₹70,887
Value today
12.8%
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
₹32,732
Value today
13.8%
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
₹8,70,000
Withdrawn
₹41,83,461
Corpus left
+₹40,53,461 net gain — withdrew ₹8,70,000 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
₹37,22,867
Value today
-5.2%
vs lumpsum
Direct lumpsum would have beaten STP by 5.2% — but STP reduced timing risk
Model your own STP with real NAVBeat the benchmark — ₹150/month SIP
Same SIP in this fund vs the benchmark index
This fund
₹70,887
Benchmark
₹66,817
+₹4,070 extra wealth vs the benchmark index
Backtest this SIP yourself₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹2,87,303
Value today
2.9×
Multiple
Staying invested through that crash turned ₹1L into ₹2,87,303 — a 2.9× return
Read: Staying invested through crashesDirect vs Regular — ₹500/month over 10 years
Expense ratio drag on your actual returns
Direct plan
₹1,19,723
Regular plan
₹1,09,939
Direct earns ₹9,784 more on a ₹60K investment — 1.63% extra return per year
Same fund, same NAV history — only the expense ratio differs. Direct plans always outperform Regular over time.
Learn about Direct vs Regular plansFund Details
Risk Metrics
Trailing 1 year, annualised-0.31
Sharpe Ratio
-0.01
Alpha
0.38
Beta
-0.30
Sortino
13.03%
Std Dev
-15.13%
Max Drawdown
Portfolio Holdings
Top 50 holdings · as of Apr 2026
| Security | % NAV |
|---|---|
GOI - 6.36% (16/02/2031) IN0020250141 | 3.26% |
GOI - 7.38% (20/06/2027) IN0020220037 | 1.62% |
GOI - 7.27% (08/04/2026) IN0020190016 | 1.59% |
| Security | % NAV |
|---|---|
SOLAR INDUSTRIES INDIA LTD INE343H01029 | 4.40% |
ICICI BANK LTD INE090A01021 | 4.37% |
RELIANCE INDUSTRIES LTD INE002A01018 | 4.10% |
ICICI BANK LTD INE090A01021 | 4.09% |
RELIANCE INDUSTRIES LTD INE002A01018 | 3.90% |
HDFC BANK LTD INE040A01034 | 3.88% |
SOLAR INDUSTRIES INDIA LTD INE343H01029 | 3.80% |
BSE LTD INE118H01025 | 3.70% |
BSE LTD INE118H01025 | 3.41% |
MULTI COMMODITY EXCHANGE OF IND LTD INE745G01043 | 3.29% |
MULTI COMMODITY EXCHANGE OF IND LTD INE745G01043 | 3.08% |
RADICO KHAITAN LTD INE944F01028 | 2.94% |
ETERNAL LTD INE758T01015 | 2.93% |
ETERNAL LTD INE758T01015 | 2.87% |
RADICO KHAITAN LTD INE944F01028 | 2.77% |
ITC LTD INE154A01025 | 2.47% |
ITC LTD INE154A01025 | 2.41% |
HDFC BANK LTD INE040A01034 | 2.30% |
NIPPON LIFE INDIA ASSET MANAGEMENT LTD INE298J01013 | 2.25% |
NIPPON LIFE INDIA ASSET MANAGEMENT LTD INE298J01013 | 2.19% |
KIRLOSKAR PNEUMATIC COMPANY LTD INE811A01020 | 2.17% |
TITAN COMPANY LTD INE280A01028 | 2.07% |
KARUR VYSYA BANK LTD INE036D01028 | 2.07% |
POLYCAB INDIA LTD INE455K01017 | 2.07% |
TITAN COMPANY LTD INE280A01028 | 2.05% |
ADANI PORTS AND SPECIAL ECONOMIC ZONE LTD INE742F01042 | 2.05% |
360 ONE WAM LTD INE466L01038 | 2.04% |
TATA CONSUMER PRODUCTS LTD INE192A01025 | 2.03% |
TATA CONSUMER PRODUCTS LTD INE192A01025 | 2.01% |
360 ONE WAM LTD INE466L01038 | 1.98% |
MUTHOOT FINANCE LTD INE414G01012 | 1.98% |
HCL TECHNOLOGIES LTD INE860A01027 | 1.98% |
POLYCAB INDIA LTD INE455K01017 | 1.96% |
MUTHOOT FINANCE LTD INE414G01012 | 1.91% |
KARUR VYSYA BANK LTD INE036D01028 | 1.87% |
DIXON TECHNOLOGIES (INDIA) LTD INE935N01020 | 1.85% |
DOMS INDUSTRIES LTD INE321T01012 | 1.78% |
DIXON TECHNOLOGIES (INDIA) LTD INE935N01020 | 1.71% |
RAINBOW CHILDRENS MEDICARE LTD INE961O01016 | 1.71% |
OIL INDIA LTD INE274J01014 | 1.71% |
KIRLOSKAR PNEUMATIC COMPANY LTD INE811A01020 | 1.68% |
KOTAK MAHINDRA BANK LTD INE237A01036 | 1.66% |
RAINBOW CHILDRENS MEDICARE LTD INE961O01016 | 1.65% |
TATA CAPITAL LTD INE976I01016 | 1.64% |
KOTAK MAHINDRA BANK LTD INE237A01036 | 1.62% |
NESTLE INDIA LTD INE239A01024 | 1.61% |
TATA CAPITAL LTD INE976I01016 | 1.60% |
Performance Comparison
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Investment Objective
Tata Retirement Savings Fund- Moderate Plan-Regular Plan-Growth Option 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 Plan-Regular Plan-Growth Option 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