Tata Retirement Savings Fund-Progressive · Regular · Growth
NAV
₹69.5063
as of 03 Aug 2026
Expense Ratio
2.03%
AUM
₹2,087 Cr
Lumpsum returns (CAGR)
- 1Y
- +8.27%
- 3Y
- +13.56%
- 5Y
- +10.80%
- Since Inception
- +14.04%
SIP returns (XIRR)
- 1Y
- +15.54%
- 3Y
- +9.61%
- 5Y
- +12.05%
- Since Inception
- +13.52%
What history actually did — last 10 years (Aug 2016 – Aug 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Aug 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹11,32,363 today — ₹5,95,000 invested, 12.5% XIRR.
₹5,95,000
Invested
₹11,32,363
Value today
12.5%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Aug 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹3,30,491 today (12.7% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹21,72,550.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹11,32,363 in this fund vs ₹11,17,052 in the benchmark — outperformance of ₹15,311.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Aug 2026) (22 Mar 2020) would be ₹3,29,992 today (3.30×).
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, annualised0.21
Sharpe Ratio
+0.06
Alpha
0.49
Beta
0.21
Sortino
14.64%
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