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

We don't give personal investment advice. Tata Retirement Savings Fund- Moderate Plan-Regular 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: 17.0%. 5-year CAGR: 10.50%.

Tata

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

Latest NAV

₹64.9002

As of

3 Jun 2026

3,584 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	+0.39%	+0.28%	+0.11	6 / 18	Q2
1W	-1.71%	-1.02%	-0.70	16 / 18	Q4
2W	-0.39%	+0.18%	-0.58	16 / 18	Q4
1M	+0.56%	-0.53%	+1.09	3 / 18	Q1
3M	+5.21%	+0.13%	+5.09	3 / 18	Q1
6M	+0.03%	-2.49%	+2.52	6 / 18	Q2
YTD	+0.52%	-2.48%	+2.99	4 / 18	Q1
1Y	+1.87%	+0.11%	+1.75	4 / 18	Q1
2Y	+5.33%	+3.68%	+1.65	3 / 18	Q1
3Y	+12.95%	+10.00%	+2.95	4 / 15	Q2
4Y	+12.77%	+9.83%	+2.95	3 / 14	Q1
5Y	+10.50%	+8.12%	+2.38	5 / 14	Q2
7Y	+11.61%	+8.57%	+3.04	2 / 7	Q2
10Y	+12.10%	+10.89%	+1.21	2 / 3	Q3
Inception	+13.70%	+9.30%	+4.41	3 / 18	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	+0.52%	-2.48%	+2.99	4 / 18
2025	+0.42%	+4.08%	-3.65	17 / 18
2024	+19.26%	+14.07%	+5.20	3 / 16
2023	+25.33%	+18.56%	+6.77	4 / 15
2022	-1.89%	+0.25%	-2.14	10 / 14
2021	+20.00%	+12.35%	+7.65	2 / 10
2020	+14.98%	+13.17%	+1.81	3 / 10
2019	+8.40%	+9.06%	-0.66	2 / 3
2018	-3.34%	-2.76%	-0.59	2 / 3
2017	+37.75%	+33.35%	+4.41	2 / 3
2016	+6.45%	+6.45%	0.00	2 / 3

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

+15.22%

166 windows

min -19.3% · max 72.2%

84% positive

3-Year rolling

+14.75%

142 windows

min -1.4% · max 27.2%

99% positive

5-Year rolling

+13.86%

117 windows

min 3.2% · max 21.8%

100% positive

7-Year rolling

+13.06%

93 windows

min 9.4% · max 17.4%

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

12.81%

3-year · annualised

Sharpe ratio

0.51

vs risk-free 6.5%

Sortino ratio

0.83

Downside-only deviation

Max drawdown

-15.60%

Sep 2024 → Mar 2025

% positive months

63.9%

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
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Regular Plan - Growth	SBI	₹18.5546	3 Jun 2026
Bandhan Retirement Fund - Regular Plan - Growth	Bandhan	₹12.2670	3 Jun 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Regular Growth	Aditya Birla Sun Life	₹21.1330	3 Jun 2026
Baroda BNP Paribas Retirement Fund - Regular plan - Growth option	Baroda BNP Paribas	₹11.0806	3 Jun 2026
PGIM India Retirement Fund - Regular Plan - Growth Option	PGIM India	₹11.5500	3 Jun 2026
Axis Retirement Fund - Aggressive Plan - Regular Growth	Axis	₹17.6100	3 Jun 2026
Tata Retirement Savings Fund - Progressive Plan -Regular Plan-Growth Option	Tata	₹65.6911	3 Jun 2026
Union Retirement Fund - Regular Plan - Growth Option	Union	₹15.6500	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹64.9002
2 Jun 2026	₹65.1467
1 Jun 2026	₹64.8965
29 May 2026	₹65.4637
27 May 2026	₹66.2510
26 May 2026	₹66.2813
25 May 2026	₹66.1283
22 May 2026	₹65.4709
21 May 2026	₹65.4764
20 May 2026	₹65.4802

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 03 Jun 2026, the NAV of Tata Retirement Savings Fund- Moderate Plan-Regular Plan-Growth Option is ₹64.9002. It's a Retirement Fund from Tata, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

Tata Retirement Savings Fund- Moderate Plan-Regular Plan-Growth Option has NAV history starting from 08 Nov 2011, a track record of about 14 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-Regular 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-Regular Plan-Growth Option has delivered a absolute return of 1.87% — +1.75 pp ahead of the Retirement Fund category average of 0.11%. The fund ranks #4 of 18 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Tata Retirement Savings Fund- Moderate Plan-Regular Plan-Growth Option has delivered a CAGR of 12.95% — +2.95 pp ahead of the Retirement Fund category average of 10.00%. The fund ranks #4 of 15 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Tata Retirement Savings Fund- Moderate Plan-Regular Plan-Growth Option has delivered a CAGR of 10.50% — +2.38 pp ahead of the Retirement Fund category average of 8.12%. The fund ranks #5 of 14 in its category — the second (Q2) quartile.

₹1 lakh invested in Tata Retirement Savings Fund- Moderate Plan-Regular Plan-Growth Option exactly 10 years ago would be worth approximately ₹313,296 today — a multiplier of 3.13×, based on the 10-year CAGR of 12.10%. The category average over the same window would have grown ₹1 lakh to ₹281,118.

A ₹10,000 monthly SIP in Tata Retirement Savings Fund- Moderate Plan-Regular Plan-Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹774,856 today. That's an XIRR (money-weighted annualised return) of 10.16%.

A ₹10,000 monthly SIP for 10 years in Tata Retirement Savings Fund- Moderate Plan-Regular Plan-Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,154,452 (multiplier 1.80×). XIRR: 11.26%. 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-Regular Plan-Growth Option ranks #5 out of 14 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 8.12%; this fund delivered 10.50%.

The worst peak-to-trough decline Tata Retirement Savings Fund- Moderate Plan-Regular Plan-Growth Option has experienced over the last 5-year window is 16.96% — 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-Regular Plan-Growth Option averaged 13.86% (best 21.77%, worst 3.19%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.36 — weak risk-adjusted performance.

In calendar year 2025, Tata Retirement Savings Fund- Moderate Plan-Regular Plan-Growth Option returned 0.42% — lagging the Retirement Fund category average of 4.08% by 3.65 pp. It ranked #17 of 18 in its category that year.

Tata Retirement Savings Fund- Moderate Plan-Regular 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-Regular 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: 17.0%. 5-year CAGR: 10.50%.

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