Closed to new subscriptions
SEBI's 26 Feb 2026 circular (cl. 2.6.3.16) discontinued the Solution-Oriented category; existing investments continue.
What the Solution-Oriented sunset meansTata Retirement Savings Fund-Moderate · Regular · Growth
NAV
₹65.1217
as of 30 Sept 2026
Expense Ratio
2.17%
AUM
₹2,112 Cr
Lumpsum returns (CAGR)
- 1Y
- +3.38%
- 3Y
- +9.73%
- 5Y
- +8.32%
- Since Inception
- +13.39%
SIP returns (XIRR)
- 1Y
- +1.84%
- 3Y
- +5.06%
- 5Y
- +8.86%
- Since Inception
- +12.25%
What history actually did — last 10 years (Oct 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Oct 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹10,19,678 today — ₹5,95,000 invested, 10.5% XIRR.
₹5,95,000
Invested
₹10,19,678
Value today
10.5%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Oct 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹2,78,994 today (10.8% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Oct 2016 would still hold ₹17,70,263.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹10,19,678 in this fund vs ₹10,00,438 in the benchmark — outperformance of ₹19,240.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Oct 2016 – Sept 2026) (22 Mar 2020) would be ₹2,85,802 today (2.86×).
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, annualised0.27
Sharpe Ratio
+0.05
Alpha
0.41
Beta
0.27
Sortino
11.84%
Std Dev
-13.50%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Capital Markets9.95%
- Banks9.01%
- Chemicals & Petrochemicals4.74%
- Industrial Products4.47%
- Consumer Durables4.02%
- Financial Technology (Fintech)3.61%
- Retailing3.36%
- Food Products3.34%
- Petroleum Products3.27%
- Auto Components3.24%
- Beverages3.20%
- Healthcare Services2.92%
Each sector links to the mutual funds most exposed to it.
Related reading
Thinking about Tata Retirement Savings Fund-Moderate · Regular · Growth?
Talk to our AMFI-registered team — free, no pressure. We'll help you see if this fund fits your goals.
Fund Details
Available transactions
Portfolio holdings
- 1Solar Industries India Ltd4.74%
- 2Icici Bank Ltd4.42%
- 3Eternal Ltd3.36%
- 4Reliance Industries Ltd3.27%
- 5Multi Commodity Exchange Of Ind Ltd3.13%
- 6Goi - 6.36% (16/02/2031)3.08%
- 7Radico Khaitan Ltd2.51%
- 8360 One Wam Ltd2.11%
- 9Pb Fintech Ltd2.10%
- 10Karur Vysya Bank Ltd1.95%
What this fund does
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 ₹2,112 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 2.17%.
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