Tata Retirement Savings Fund-Progressive · Regular · Growth
NAV
₹69.0161
as of 31 Jul 2026
Expense Ratio
2.03%
AUM
₹2,087 Cr
Lumpsum returns (CAGR)
- 1Y
- +6.68%
- 3Y
- +13.08%
- 5Y
- +11.04%
- Since Inception
- +14.00%
SIP returns (XIRR)
- 1Y
- +12.49%
- 3Y
- +9.48%
- 5Y
- +11.79%
- Since Inception
- +13.45%
What history actually did — last 10 years (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹11,24,377 today — ₹5,95,000 invested, 12.4% XIRR.
₹5,95,000
Invested
₹11,24,377
Value today
12.4%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹3,26,040 today (12.6% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹21,36,021.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹11,24,377 in this fund vs ₹10,98,604 in the benchmark — outperformance of ₹25,773.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹3,27,665 today (3.28×).
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, annualised0.15
Sharpe Ratio
+0.05
Alpha
0.50
Beta
0.15
Sortino
14.63%
Std Dev
-16.22%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Solar Industries India Ltd5.29%
- 2Icici Bank Ltd5.03%
- 3Reliance Industries Ltd3.87%
- 4Bse Ltd3.54%
- 5Eternal Ltd3.30%
- 6Multi Commodity Exchange Of Ind Ltd3.19%
- 7Radico Khaitan Ltd3.12%
- 8Polycab India Ltd2.90%
- 9Nippon Life India Asset Management Ltd2.85%
- 10Kirloskar Pneumatic Company Ltd2.48%
Investment Objective
Tata Retirement Savings Fund-Progressive · 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-Progressive · 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 ₹2,087 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY 500 TRI. The current expense ratio is 2.03%.
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