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

We don't give personal investment advice. Tata Retirement Savings Fund - Progressive 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: 20.6%. 5-year CAGR: 10.89%.

Tata

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

Latest NAV

₹65.6911

As of

3 Jun 2026

3,583 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%	+0.28%	+0.16	4 / 18	Q1
1W	-1.99%	-1.02%	-0.98	17 / 18	Q4
2W	-0.48%	+0.18%	-0.67	17 / 18	Q4
1M	+0.81%	-0.53%	+1.34	2 / 18	Q1
3M	+6.50%	+0.13%	+6.37	1 / 18	Q1
6M	+0.46%	-2.49%	+2.95	3 / 18	Q1
YTD	+1.07%	-2.48%	+3.54	2 / 18	Q1
1Y	+1.39%	+0.11%	+1.28	7 / 18	Q2
2Y	+4.49%	+3.68%	+0.81	5 / 18	Q2
3Y	+14.13%	+10.00%	+4.13	3 / 15	Q1
4Y	+13.64%	+9.83%	+3.81	2 / 14	Q1
5Y	+10.89%	+8.12%	+2.77	3 / 14	Q1
7Y	+12.07%	+8.57%	+3.49	1 / 7	Q1
10Y	+13.09%	+10.89%	+2.20	1 / 3	Q2
Inception	+13.80%	+9.30%	+4.50	2 / 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	+1.07%	-2.48%	+3.54	2 / 18
2025	-1.94%	+4.08%	-6.02	18 / 18
2024	+21.36%	+14.07%	+7.29	2 / 16
2023	+28.99%	+18.56%	+10.43	2 / 15
2022	-3.94%	+0.25%	-4.19	11 / 14
2021	+22.72%	+12.35%	+10.37	1 / 10
2020	+14.38%	+13.17%	+1.22	5 / 10
2019	+11.21%	+9.06%	+2.15	1 / 3
2018	-5.75%	-2.76%	-2.99	3 / 3
2017	+47.86%	+33.35%	+14.52	1 / 3
2016	+2.46%	+6.45%	-3.99	3 / 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

+15.44%

166 windows

min -21.9% · max 66.1%

80% positive

3-Year rolling

+14.89%

142 windows

min -2.0% · max 25.4%

99% positive

5-Year rolling

+14.28%

117 windows

min 3.0% · max 21.6%

100% positive

7-Year rolling

+13.49%

93 windows

min 10.4% · max 17.6%

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

15.14%

3-year · annualised

Sharpe ratio

0.52

vs risk-free 6.5%

Sortino ratio

0.83

Downside-only deviation

Max drawdown

-19.35%

Sep 2024 → Mar 2025

% positive months

66.7%

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- Conservative Plan-Regular Plan-Growth Option	Tata	₹31.9886	3 Jun 2026
Union Retirement Fund - Regular Plan - Growth Option	Union	₹15.6500	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹65.6911
2 Jun 2026	₹65.9645
1 Jun 2026	₹65.6781
29 May 2026	₹66.3613
27 May 2026	₹67.2901
26 May 2026	₹67.3065
25 May 2026	₹67.1106
22 May 2026	₹66.3824
21 May 2026	₹66.3978
20 May 2026	₹66.3925

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 -Regular Plan-Growth Option is ₹65.6911. 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 - Progressive 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 - Progressive 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 - Progressive Plan -Regular Plan-Growth Option has delivered a absolute return of 1.39% — +1.28 pp ahead of the Retirement Fund category average of 0.11%. The fund ranks #7 of 18 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Tata Retirement Savings Fund - Progressive Plan -Regular Plan-Growth Option has delivered a CAGR of 14.13% — +4.13 pp ahead of the Retirement Fund category average of 10.00%. The fund ranks #3 of 15 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Tata Retirement Savings Fund - Progressive Plan -Regular Plan-Growth Option has delivered a CAGR of 10.89% — +2.77 pp ahead of the Retirement Fund category average of 8.12%. The fund ranks #3 of 14 in its category — the top (Q1) quartile.

₹1 lakh invested in Tata Retirement Savings Fund - Progressive Plan -Regular Plan-Growth Option exactly 10 years ago would be worth approximately ₹342,200 today — a multiplier of 3.42×, based on the 10-year CAGR of 13.09%. 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 - Progressive Plan -Regular Plan-Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹783,975 today. That's an XIRR (money-weighted annualised return) of 10.63%.

A ₹10,000 monthly SIP for 10 years in Tata Retirement Savings Fund - Progressive Plan -Regular Plan-Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,235,504 (multiplier 1.86×). XIRR: 11.95%. 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 -Regular Plan-Growth Option ranks #3 out of 14 funds in the Retirement Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 8.12%; this fund delivered 10.89%.

The worst peak-to-trough decline Tata Retirement Savings Fund - Progressive Plan -Regular Plan-Growth Option has experienced over the last 5-year window is 20.55% — 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 -Regular Plan-Growth Option averaged 14.28% (best 21.65%, worst 2.98%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.35 — weak risk-adjusted performance.

In calendar year 2025, Tata Retirement Savings Fund - Progressive Plan -Regular Plan-Growth Option returned -1.94% — lagging the Retirement Fund category average of 4.08% by 6.02 pp. It ranked #18 of 18 in its category that year.

Tata Retirement Savings Fund - Progressive 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 - Progressive 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: 20.6%. 5-year CAGR: 10.89%.

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