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

We don't give personal investment advice. Tata Retirement Savings Fund- Progressive 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: 19.7%. 5-year CAGR: 12.55%.

Tata

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

Latest NAV

₹80.7845

As of

3 Jun 2026

3,297 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	+0.44%	+0.23%	+0.21	4 / 30	Q1
1W	-1.97%	-0.92%	-1.04	29 / 30	Q4
2W	-0.43%	+0.19%	-0.62	29 / 30	Q4
1M	+0.93%	-0.65%	+1.57	2 / 30	Q1
3M	+6.87%	-0.23%	+7.10	1 / 30	Q1
6M	+1.17%	-2.18%	+3.35	5 / 30	Q1
YTD	+1.66%	-2.35%	+4.01	2 / 30	Q1
1Y	+2.87%	+1.26%	+1.60	9 / 30	Q2
2Y	+6.02%	+4.77%	+1.25	10 / 30	Q2
3Y	+15.80%	+11.65%	+4.15	5 / 27	Q1
4Y	+15.32%	+11.78%	+3.54	4 / 26	Q1
5Y	+12.55%	+10.27%	+2.28	8 / 26	Q2
7Y	+13.79%	+10.86%	+2.92	4 / 19	Q1
10Y	+14.78%	+11.27%	+3.51	2 / 11	Q1
Inception	+15.10%	+11.15%	+3.95	5 / 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	+1.66%	-2.35%	+4.01	2 / 30
2025	-0.50%	+5.89%	-6.38	30 / 30
2024	+23.14%	+15.71%	+7.42	3 / 28
2023	+30.90%	+21.10%	+9.80	7 / 27
2022	-2.43%	+2.72%	-5.15	23 / 26
2021	+24.64%	+18.09%	+6.54	7 / 22
2020	+16.20%	+13.07%	+3.13	7 / 22
2019	+13.25%	+8.63%	+4.62	1 / 11
2018	-4.60%	-0.39%	-4.20	9 / 11
2017	+49.72%	+26.41%	+23.30	1 / 11
2016	+4.01%	+7.01%	-3.00	6 / 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

+17.91%

152 windows

min -20.7% · max 68.6%

81% positive

3-Year rolling

+16.01%

127 windows

min -0.5% · max 27.4%

99% positive

5-Year rolling

+15.51%

103 windows

min 4.5% · max 23.4%

100% positive

7-Year rolling

+14.97%

79 windows

min 12.1% · max 19.4%

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

15.16%

3-year · annualised

Sharpe ratio

0.62

vs risk-free 6.5%

Sortino ratio

1.00

Downside-only deviation

Max drawdown

-18.83%

Sep 2024 → Mar 2025

% positive months

69.4%

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	₹53.5320	3 Jun 2026
Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth Option	Nippon India	₹22.6936	3 Jun 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth	SBI	₹19.7204	3 Jun 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - Growth Option	ICICI Prudential	₹30.3700	3 Jun 2026
Bandhan Retirement Fund - Direct Plan - Growth	Bandhan	₹12.8150	3 Jun 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth	Aditya Birla Sun Life	₹23.5840	3 Jun 2026
Franklin India Retirement Fund - Direct - Growth	Franklin India	₹235.8290	3 Jun 2026
Baroda BNP Paribas Retirement Fund - Direct plan - Growth option	Baroda BNP Paribas	₹11.4604	3 Jun 2026
PGIM India Retirement Fund - Direct Plan - Growth Option	PGIM India	₹11.9600	3 Jun 2026
Axis Retirement Fund - Aggressive Plan - Direct Growth	Axis	₹19.4100	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹80.7845
2 Jun 2026	₹81.1175
1 Jun 2026	₹80.7623
29 May 2026	₹81.5930
27 May 2026	₹82.7286
26 May 2026	₹82.7457
25 May 2026	₹82.5014
22 May 2026	₹81.5968
21 May 2026	₹81.6126
20 May 2026	₹81.6030

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- Progressive Plan -Direct Plan-Growth Option is ₹80.7845. 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- Progressive Plan -Direct Plan-Growth Option has NAV history starting from 04 Jan 2013, a track record of about 13 years 5 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- Progressive 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- Progressive Plan -Direct Plan-Growth Option has delivered a absolute return of 2.87% — +1.6 pp ahead of the Retirement Fund category average of 1.26%. The fund ranks #9 of 30 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Tata Retirement Savings Fund- Progressive Plan -Direct Plan-Growth Option has delivered a CAGR of 15.80% — +4.15 pp ahead of the Retirement Fund category average of 11.65%. The fund ranks #5 of 27 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Tata Retirement Savings Fund- Progressive Plan -Direct Plan-Growth Option has delivered a CAGR of 12.55% — +2.28 pp ahead of the Retirement Fund category average of 10.27%. The fund ranks #8 of 26 in its category — the second (Q2) quartile.

₹1 lakh invested in Tata Retirement Savings Fund- Progressive Plan -Direct Plan-Growth Option exactly 10 years ago would be worth approximately ₹396,855 today — a multiplier of 3.97×, based on the 10-year CAGR of 14.78%. The category average over the same window would have grown ₹1 lakh to ₹290,946.

A ₹10,000 monthly SIP in Tata Retirement Savings Fund- Progressive Plan -Direct Plan-Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹816,992 today. That's an XIRR (money-weighted annualised return) of 12.29%.

A ₹10,000 monthly SIP for 10 years in Tata Retirement Savings Fund- Progressive Plan -Direct Plan-Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,448,025 (multiplier 2.04×). XIRR: 13.65%. 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- Progressive Plan -Direct Plan-Growth Option ranks #8 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 10.27%; this fund delivered 12.55%.

The worst peak-to-trough decline Tata Retirement Savings Fund- Progressive Plan -Direct Plan-Growth Option has experienced over the last 5-year window is 19.71% — its NAV fell from a high on 18 Oct 2021 to a low on 20 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- Progressive Plan -Direct Plan-Growth Option averaged 15.51% (best 23.44%, worst 4.54%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.46 — weak risk-adjusted performance.

In calendar year 2025, Tata Retirement Savings Fund- Progressive Plan -Direct Plan-Growth Option returned -0.50% — lagging the Retirement Fund category average of 5.89% by 6.38 pp. It ranked #30 of 30 in its category that year.

Tata Retirement Savings Fund- Progressive 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- Progressive 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: 19.7%. 5-year CAGR: 12.55%.

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