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-Progressive · Regular · Growth
NAV
₹65.5239
as of 29 Sept 2026
Expense Ratio
2.20%
AUM
₹2,087 Cr
Lumpsum returns (CAGR)
- 1Y
- +3.14%
- 3Y
- +10.16%
- 5Y
- +8.26%
- Since Inception
- +13.44%
SIP returns (XIRR)
- 1Y
- +1.52%
- 3Y
- +4.59%
- 5Y
- +9.05%
- Since Inception
- +12.60%
What history actually did — last 10 years (Sept 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹10,61,554 today — ₹6,00,000 invested, 11.0% XIRR.
₹6,00,000
Invested
₹10,61,554
Value today
11.0%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹3,02,179 today (11.7% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹19,60,237.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹10,61,554 in this fund vs ₹10,04,672 in the benchmark — outperformance of ₹42,010.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Sept 2016 – Sept 2026) (22 Mar 2020) would be ₹3,11,085 today (3.11×).
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
+0.08
Alpha
0.49
Beta
0.27
Sortino
13.66%
Std Dev
-16.22%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Capital Markets11.57%
- Banks10.39%
- Chemicals & Petrochemicals5.38%
- Industrial Products5.21%
- Consumer Durables4.76%
- Financial Technology (Fintech)4.32%
- Finance4.01%
- Retailing3.93%
- Beverages3.87%
- Food Products3.81%
- Petroleum Products3.67%
- Healthcare Services3.57%
Each sector links to the mutual funds most exposed to it.
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1Solar Industries India Ltd5.38%
- 2Icici Bank Ltd5.11%
- 3Eternal Ltd3.93%
- 4Reliance Industries Ltd3.67%
- 5Multi Commodity Exchange Of Ind Ltd3.66%
- 6Radico Khaitan Ltd3.04%
- 7Pb Fintech Ltd2.54%
- 8360 One Wam Ltd2.39%
- 9Polycab India Ltd2.26%
- 10Rainbow Childrens Medicare Ltd2.15%
What this fund does
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 2.20%.
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