Tata Retirement Savings Fund-Moderate · Regular · Growth
NAV
₹67.3105
as of 14 Jul 2026
Expense Ratio
2.04%
AUM
₹2,063 Cr
Lumpsum returns (CAGR)
- 1Y
- +3.87%
- 3Y
- +12.76%
- 5Y
- +10.63%
- Since Inception
- +13.85%
SIP returns (XIRR)
- 1Y
- +10.20%
- 3Y
- +8.86%
- 5Y
- +11.04%
- Since Inception
- +12.95%
What history actually did — last 10 years (Jul 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Jul 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹10,88,365 today — ₹6,00,000 invested, 11.6% XIRR.
₹6,00,000
Invested
₹10,88,365
Value today
11.6%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Jul 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹3,09,147 today (12.0% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Jul 2016 would still hold ₹20,03,102.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹10,88,365 in this fund vs ₹10,98,128 in the benchmark — underperformance of ₹9,763.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Jul 2016 – Jul 2026) (22 Mar 2020) would be ₹2,95,408 today (2.95×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-0.02
Sharpe Ratio
+0.01
Alpha
0.42
Beta
-0.02
Sortino
12.96%
Std Dev
-13.50%
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