Tata Mutual FundRetirementDirect plan, growth

Tata Retirement Savings Fund-Moderate Plan

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NAV: ₹76.99; —30 Oct 2026
AUM (₹ Cr): 2,212; Average, July - September 2026
Expense ratio: 0.83%; Regular 2.15%
Risk: Very High; SEBI riskometer

1Y return: -1.4%+4.6%; Benchmark -5.9%
3Y CAGR: 11.1%+2.0%; Benchmark 9.1%
5Y CAGR: 9.3%+1.6%; Benchmark 7.7%

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Tata Retirement Savings Fund-Moderate Plan

Rank in category

#4 of 25 Retirement funds on its 1-, 3- and 5-year returns together.

Fund

Aditya Birla Sun Life-The 30s PlanAditya Birla Sun Life Retirement Fund-The 30s Plan#1#15.9%#315.9%#311.5%

ICICI Prudential Pure Equity PlanICICI Prudential Retirement Fund Pure Equity Plan#2#16-2.7%#118.8%#117.2%

ICICI Prudential Hybrid Aggressive PlanICICI Prudential Retirement Fund Hybrid Aggressive Plan#3#17-2.7%#216.2%#213.1%

Tata Savings-Moderate PlanTata Retirement Savings Fund-Moderate Plan#4#10-1.4%#711.1%#99.3%

Tata Savings-Progressive PlanTata Retirement Savings Fund-Progressive Plan#5#13-2.0%#611.5%#89.3%

ICICI Prudential Hybrid Conservative PlanICICI Prudential Retirement Fund Hybrid Conservative Plan#6#42.0%#129.1%#128.2%

SBI Benefit - Aggressive Hybrid PlanSBI Retirement Benefit Fund - Aggressive Hybrid Plan#7#18-2.7%#148.9%#69.6%

Aditya Birla Sun Life-The 50s PlanAditya Birla Sun Life Retirement Fund-The 50s Plan#8#51.7%#177.8%#176.7%

Aditya Birla Sun Life-The 40s PlanAditya Birla Sun Life Retirement Fund-The 40s Plan#9#22-3.6%#910.8%#118.6%

UTIUTI Retirement Fund#10#12-1.8%#158.4%#138.1%

HDFC - Equity PlanHDFC Retirement Fund - Equity Plan#11#29-9.1%#119.3%#411.2%

SBI Benefit - Aggressive PlanSBI Retirement Benefit Fund - Aggressive Plan#12#25-5.2%#168.3%#59.7%

Nippon India- Wealth CreationNippon India Retirement Fund- Wealth Creation Scheme#13#28-8.7%#109.8%#79.4%

Axis - Dynamic PlanAxis Retirement Fund - Dynamic Plan#14#26-5.4%#511.6%#157.1%

SBI Benefit - Conservative Hybrid PlanSBI Retirement Benefit Fund - Conservative Hybrid Plan#15#8-0.8%#226.7%#147.2%

Axis - Aggressive PlanAxis Retirement Fund - Aggressive Plan#16#24-5.2%#810.8%#186.7%

Tata Savings-Conservative PlanTata Retirement Savings Fund-Conservative Plan#17#60.9%#207.2%#216.2%

HDFC - Hybrid-Debt PlanHDFC Retirement Fund - Hybrid-Debt Plan#18#9-1.1%#236.5%#166.7%

SBI Benefit - Conservative PlanSBI Retirement Benefit Fund - Conservative Plan#19#70.9%#246.4%#196.6%

HDFC - Hybrid-Equity PlanHDFC Retirement Fund - Hybrid-Equity Plan#20#27-8.3%#187.3%#108.6%

ICICI Prudential Pure Debt PlanICICI Prudential Retirement Fund Pure Debt Plan#21#23.2%#266.3%#245.7%

Aditya Birla Sun Life-The 50s Plus-Debt PlanAditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan#22#32.7%#275.6%#254.9%

Franklin IndiaFranklin India Retirement Fund#23#20-3.4%#197.3%#206.6%

Nippon India- Income GenerationNippon India Retirement Fund- Income Generation Scheme#24#11-1.8%#256.4%#225.8%

Axis - Conservative PlanAxis Retirement Fund - Conservative Plan#25#19-2.7%#217.2%#235.8%

BandhanBandhan Retirement Fund—#21-3.5%#139.1%—

Baroda BNP ParibasBaroda BNP Paribas Retirement Fund—#14-2.1%——

PGIM IndiaPGIM India Retirement Fund—#23-3.7%——

UnionUnion Retirement Fund—#15-2.2%#412.0%—

Ranked on 1Y, 3Y and 5Y together. 25 of 29 funds have a rank here; it needs a 5-year record. Direct plan, growth option. Click a column to rank by it.

Calendar-year returns

Fund only: no comparison series covers this fund's history.

Risk statistics

Five years of daily NAVs. Risk-free rate 6.5% a year.

Standard deviation: —
Maximum drawdown: —
Sharpe ratio: —
Sortino ratio: —
Beta: —
Alpha: —
R²: —
Information ratio: —
Upside capture: —
Downside capture: —
Tracking error: —

Trailing returns compared with benchmark
Period	1M	3M	6M	YTD	1Y	3YCAGR	5YCAGR	10YCAGR	LaunchCAGR
Fund	-2.4%	-6.2%	-0.6%	-1.1%	-1.4%	+11.1%	+9.3%	+12.1%	+14.3%
CRISIL Hybrid 25+75 - Aggressive Index	—	—	—	—	-5.9%	9.1%	7.7%	11.2%	11.6%
Retirement average	-1.1%	-4.0%	-0.2%	-2.3%	-2.2%	9.5%	8.4%	10.1%	10.5%
Difference	—	—	—	—	+4.6%	+2.0%	+1.6%	+0.9%	+2.7%

Portfolio

Valuation

P/E of its shares: 28.6; Shares are 79% of the fund
Category median: 26.7; 26 Retirement funds
Benchmark P/E (shares): 19.3; Nifty 50, the share part of CRISIL Hybrid 25+75 - Aggressive Index

P/E is the value of the shares the fund holds, at the close of 30 Oct 2026, over their profit in the last four reported quarters (the owners' share from continuing operations, consolidated where filed, losses included), weighted by the fund's portfolio disclosed 24 Oct 2026. The category median is worked out the same way; the benchmark's is the index provider's own figure on the same basis.

Fund details

Fund house: Tata Mutual Fund
Category: Life Goals · Retirement
SEBI classification: Solution Oriented / Retirement
Benchmark: CRISIL Hybrid 25+75 - Aggressive Index
Launch date: 8 Nov 2011 (15.0 years)
Structure: Open Ended
Plans and options: Direct Growth, Regular Growth
Fund manager: Sonam Udasi
Minimum SIP: ₹150
Minimum lumpsum: ₹5,000 (then ₹1,000)
Exit load: 1.00%
Lock-in: 5 years
Riskometer: Very High (benchmark High)
Expense ratio as of: 29 Oct 2026
AUM period: July - September 2026
ISIN, Direct Growth: INF277K01QN3
ISIN, Regular Growth: INF277K01FH8
Scheme code: 119255, 115943

NAV and returns as of 30 Oct 2026; returns are for the direct plan, growth option, before entry or exit costs. Not investment advice.

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