Tata Retirement Savings Fund-Progressive · Regular · Growth
NAV
₹68.2679
as of 14 Jul 2026
Expense Ratio
2.03%
AUM
₹2,007 Cr
Lumpsum returns (CAGR)
- 1Y
- +3.42%
- 3Y
- +13.79%
- 5Y
- +10.96%
- Since Inception
- +13.96%
SIP returns (XIRR)
- 1Y
- +11.38%
- 3Y
- +9.03%
- 5Y
- +11.56%
- Since Inception
- +13.39%
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 ₹11,28,435 today — ₹6,00,000 invested, 12.3% XIRR.
₹6,00,000
Invested
₹11,28,435
Value today
12.3%
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 ₹3,35,629 today (12.9% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Jul 2016 would still hold ₹22,27,853.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹11,28,435 in this fund vs ₹10,98,128 in the benchmark — outperformance of ₹30,307.
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 ₹3,24,113 today (3.24×).
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-0.06
Sharpe Ratio
+0.01
Alpha
0.49
Beta
-0.05
Sortino
15.13%
Std Dev
-16.22%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Solar Industries India Ltd5.19%
- 2Icici Bank Ltd4.80%
- 3Reliance Industries Ltd4.44%
- 4Bse Ltd4.24%
- 5Multi Commodity Exchange Of Ind Ltd3.85%
- 6Eternal Ltd3.27%
- 7Radico Khaitan Ltd3.10%
- 8Hdfc Bank Ltd3.00%
- 9Itc Ltd2.81%
- 10Nippon Life India Asset Management Ltd2.57%
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 ₹2,007 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