Should I invest in Tata Retirement Savings Fund- Moderate Plan?

We don't give personal investment advice. Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 16.1%. 5-year CAGR: 12.34%.

Tata

Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option

Latest NAV

₹81.3293

As of

17 Jul 2026

3,329 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.13%	+0.15%	-0.02	12 / 30	Q2
1W	-0.42%	-0.05%	-0.37	30 / 30	Q4
2W	+0.17%	+0.24%	-0.07	17 / 30	Q3
1M	+1.64%	+1.44%	+0.20	12 / 30	Q2
3M	+6.06%	+2.97%	+3.09	4 / 30	Q1
6M	+5.75%	+2.28%	+3.47	4 / 30	Q1
YTD	+4.70%	+1.24%	+3.46	3 / 30	Q1
1Y	+4.63%	+2.97%	+1.66	7 / 30	Q1
2Y	+4.67%	+4.32%	+0.35	14 / 30	Q2
3Y	+14.19%	+11.33%	+2.86	6 / 27	Q1
4Y	+15.50%	+12.57%	+2.93	8 / 26	Q2
5Y	+12.34%	+10.51%	+1.83	10 / 26	Q2
7Y	+14.42%	+11.63%	+2.79	6 / 19	Q2
10Y	+13.51%	+11.20%	+2.31	4 / 11	Q2
Inception	+15.09%	+11.61%	+3.49	6 / 30	Q1

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+4.70%	+1.24%	+3.46	3 / 30
2025	+1.84%	+5.89%	-4.05	27 / 30
2024	+20.95%	+15.71%	+5.23	7 / 28
2023	+27.10%	+21.10%	+6.00	9 / 27
2022	-0.46%	+2.72%	-3.18	22 / 26
2021	+21.77%	+18.09%	+3.67	8 / 22
2020	+16.70%	+13.07%	+3.63	5 / 22
2019	+10.07%	+8.63%	+1.44	2 / 11
2018	-2.14%	-0.39%	-1.75	7 / 11
2017	+39.21%	+26.41%	+12.80	2 / 11
2016	+7.84%	+7.01%	+0.83	5 / 8

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+17.49%

153 windows

min -13.9% · max 75.8%

88% positive

3-Year rolling

+15.66%

129 windows

min 1.6% · max 29.2%

100% positive

5-Year rolling

+14.83%

105 windows

min 5.8% · max 25.3%

100% positive

7-Year rolling

+14.23%

80 windows

min 11.4% · max 19.7%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

11.87%

3-year · annualised

Sharpe ratio

0.63

vs risk-free 6.5%

Sortino ratio

1.10

Downside-only deviation

Max drawdown

-15.08%

Sep 2024 → Mar 2025

% positive months

72.2%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Retirement Fund

Scheme	Fund house	NAV	As of
HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan	HDFC	₹55.9750	17 Jul 2026
Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth Option	Nippon India	₹23.4880	17 Jul 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth	SBI	₹20.6550	17 Jul 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - Growth Option	ICICI Prudential	₹31.3300	17 Jul 2026
Bandhan Retirement Fund - Direct Plan - Growth	Bandhan	₹13.2520	17 Jul 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth	Aditya Birla Sun Life	₹25.1110	17 Jul 2026
Franklin India Retirement Fund - Direct - Growth	Franklin India	₹241.8786	17 Jul 2026
Baroda BNP Paribas Retirement Fund - Direct plan - Growth option	Baroda BNP Paribas	₹11.9607	17 Jul 2026
PGIM India Retirement Fund - Direct Plan - Growth Option	PGIM India	₹12.6800	17 Jul 2026
Axis Retirement Fund - Aggressive Plan - Direct Growth	Axis	₹20.3300	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹81.3293
16 Jul 2026	₹81.2236
15 Jul 2026	₹81.5166
14 Jul 2026	₹81.2576
13 Jul 2026	₹81.6208
10 Jul 2026	₹81.6728
9 Jul 2026	₹80.6918
8 Jul 2026	₹80.1058
7 Jul 2026	₹81.0428
6 Jul 2026	₹81.5378

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 17 Jul 2026, the NAV of Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option is ₹81.3293. It's a Retirement Fund from Tata, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option has NAV history starting from 04 Jan 2013, a track record of about 13 years 6 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option is managed by Tata. It's classified by AMFI under the 'Retirement Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option has delivered a absolute return of 4.63% — +1.66 pp ahead of the Retirement Fund category average of 2.97%. The fund ranks #7 of 30 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option has delivered a CAGR of 14.19% — +2.86 pp ahead of the Retirement Fund category average of 11.33%. The fund ranks #6 of 27 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option has delivered a CAGR of 12.34% — +1.83 pp ahead of the Retirement Fund category average of 10.51%. The fund ranks #10 of 26 in its category — the second (Q2) quartile.

₹1 lakh invested in Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option exactly 10 years ago would be worth approximately ₹355,061 today — a multiplier of 3.55×, based on the 10-year CAGR of 13.51%. The category average over the same window would have grown ₹1 lakh to ₹289,121.

A ₹10,000 monthly SIP in Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹821,566 today. That's an XIRR (money-weighted annualised return) of 12.52%.

A ₹10,000 monthly SIP for 10 years in Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,391,793 (multiplier 1.99×). XIRR: 13.22%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option ranks #10 out of 26 funds in the Retirement Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 10.51%; this fund delivered 12.34%.

The worst peak-to-trough decline Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option has experienced over the last 5-year window is 16.15% — its NAV fell from a high on 18 Oct 2021 to a low on 17 Jun 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option averaged 14.83% (best 25.33%, worst 5.79%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.47 — weak risk-adjusted performance.

In calendar year 2025, Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option returned 1.84% — lagging the Retirement Fund category average of 5.89% by 4.05 pp. It ranked #27 of 30 in its category that year.

Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 16.1%. 5-year CAGR: 12.34%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Retirement Fund

Recent NAVs

Frequently asked questions

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