Tata Retirement Savings Fund-Conservative Plan Datagrid
Category Retirement Fund
BMSMONEY Rank 25
Rating
Growth Option 02-04-2026
NAV ₹30.64(R) None% ₹36.18(D) %
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 0.62% 6.99% -% 6.4% 7.25%
Direct 1.82% 8.25% -% 7.66% 8.63%
Nifty 500 TRI -0.6% 13.85% 12.03% 12.75% 13.69%
SIP (XIRR) Regular -5.37% 2.74% 4.6% 5.54% 5.87%
Direct -4.23% 3.99% 5.87% 6.82% 7.19%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.58 0.26 0.57 -1.2% -1.41
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
4.3% -4.67% -4.81% 0.32 3.22%
Fund AUM As on: 30/12/2025 174 Cr
Top Retirement Fund
Fund Name Rank Rating
- 1
- 2
Union Retirement Fund 3
- 4
Aditya Birla Sun Life Retirement Fund - The 40s Plan 5
Aditya Birla Sun Life Retirement Fund - The 30s Plan 6

NAV Date: 02-04-2026

Scheme Name NAV Rupee Change Percent Change
Tata Retirement Savings Fund- Conservative Plan-Regular Plan-Growth Option 30.64
%
Tata Retirement Savings Fund- Conservative Plan-Direct Plan-Growth Option 36.18
%

Review Date: 02-04-2026

Beginning of Analysis

Tata Retirement Savings Fund-Conservative Plan is the 25th ranked fund in the Retirement Fund category. The category has total 26 funds. The Tata Retirement Savings Fund-Conservative Plan has shown a very poor past performence in Retirement Fund. The fund has a Jensen Alpha of -1.2% which is lower than the category average of 0.17%, showing poor performance. The fund has a Sharpe Ratio of 0.58 which is lower than the category average of 0.81.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Retirement Mutual Funds

Tata Retirement Savings Fund-Conservative Plan Return Analysis

The Tata Retirement Savings Fund-Conservative Plan has delivered a mixed performance across various time horizons, showcasing both strengths and challenges when compared to its Retirement Fund peers and the Nifty 500 TRI benchmark. This analysis examines the fund’s returns over periods ranging from one month to ten years, alongside its Systematic Investment Plan (SIP) performance, highlighting its rankings within the Retirement Fund category and its ability to outperform or underperform the benchmark and category averages.

  • The fund has given a return of -3.0%, -3.93 and -2.65 in last one, three and six months respectively. In the same period the category average return was -5.61%, -8.16% and -5.82% respectively.
  • Tata Retirement Savings Fund-Conservative Plan has given a return of 1.82% in last one year. In the same period the Nifty 500 TRI return was -0.6%. The fund has given 2.42% more return than the benchmark return.
  • The fund has given a return of 8.25% in last three years and rank 17th out of twenty two funds in the category. In the same period the Nifty 500 TRI return was 13.85%. The fund has given 5.6% less return than the benchmark return.
  • The fund has given a return of 8.63% in last ten years and ranked 8th out of ten funds in the category. In the same period the Nifty 500 TRI return was 13.69%. The fund has given 5.06% less return than the benchmark return.
  • The fund has given a SIP return of -4.23% in last one year whereas category average SIP return is -9.52%. The fund one year return rank in the category is 4th in 25 funds
  • The fund has SIP return of 3.99% in last three years and ranks 9th in 22 funds. Aditya Birla Sun Life Retirement Fund - The 30s Plan has given the highest SIP return (6.36%) in the category in last three years.
  • The fund has SIP return of 5.87% in last five years whereas category average SIP return is 7.29%.

Tata Retirement Savings Fund-Conservative Plan Risk Analysis

  • The fund has a standard deviation of 4.3 and semi deviation of 3.22. The category average standard deviation is 7.97 and semi deviation is 5.87.
  • The fund has a Value at Risk (VaR) of -4.67 and a maximum drawdown of -4.81. The category average VaR is -9.51 and the maximum drawdown is -9.97. The fund has a beta of 0.31 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Retirement Fund Category
  • Good Performance in Retirement Fund Category
  • Poor Performance in Retirement Fund Category
  • Very Poor Performance in Retirement Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -3.10 -8.28
    -5.70
    		-8.50 | -1.09 2 | 25 Very Good
    3M Return % -4.21 -12.99
    -8.41
    		-13.19 | -0.51 4 | 25 Very Good
    6M Return % -3.22 -8.82
    -6.34
    		-11.99 | 0.04 5 | 25 Very Good
    1Y Return % 0.62 -0.60
    -0.69
    		-4.13 | 5.03 9 | 25 Good
    3Y Return % 6.99 13.85
    9.93
    		4.75 | 14.99 19 | 22 Poor
    7Y Return % 6.40 12.75
    8.42
    		4.07 | 14.75 11 | 14 Average
    10Y Return % 7.25 13.69
    9.96
    		6.45 | 15.22 9 | 10 Average
    1Y SIP Return % -5.37
    -10.70
    		-19.12 | 0.57 4 | 24 Very Good
    3Y SIP Return % 2.74
    2.51
    		-1.05 | 4.92 9 | 21 Good
    5Y SIP Return % 4.60
    6.07
    		4.09 | 9.06 17 | 20 Poor
    7Y SIP Return % 5.54
    8.29
    		3.95 | 14.41 10 | 13 Average
    10Y SIP Return % 5.87
    9.04
    		5.42 | 14.15 8 | 9 Average
    Standard Deviation 4.30
    7.97
    		1.10 | 14.15 8 | 26 Good
    Semi Deviation 3.22
    5.87
    		0.78 | 10.35 8 | 26 Good
    Max Drawdown % -4.81
    -9.97
    		-19.00 | -0.42 9 | 26 Good
    VaR 1 Y % -4.67
    -9.51
    		-20.07 | 0.00 8 | 26 Good
    Average Drawdown % -2.15
    -3.53
    		-7.26 | -0.21 9 | 26 Good
    Sharpe Ratio 0.58
    0.81
    		-0.25 | 1.55 22 | 26 Poor
    Sterling Ratio 0.57
    0.66
    		0.48 | 0.99 22 | 26 Poor
    Sortino Ratio 0.26
    0.39
    		-0.09 | 0.80 23 | 26 Poor
    Jensen Alpha % -1.20
    0.17
    		-3.49 | 7.29 22 | 26 Poor
    Treynor Ratio -1.41
    -2.04
    		-18.09 | -0.33 19 | 26 Average
    Modigliani Square Measure % 13.79
    16.75
    		3.89 | 26.68 23 | 26 Poor
    Alpha % -8.17
    -3.96
    		-9.80 | 8.15 23 | 26 Poor
    Return data last Updated On : April 2, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Feb. 27, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -3.00 -8.28 -5.61 -8.42 | -0.99 2 | 25 Very Good
    3M Return % -3.93 -12.99 -8.16 -12.96 | -0.20 4 | 25 Very Good
    6M Return % -2.65 -8.82 -5.82 -11.29 | 0.65 4 | 25 Very Good
    1Y Return % 1.82 -0.60 0.43 -2.99 | 6.38 7 | 25 Very Good
    3Y Return % 8.25 13.85 11.16 5.95 | 16.56 17 | 22 Average
    7Y Return % 7.66 12.75 9.73 5.39 | 16.11 11 | 14 Average
    10Y Return % 8.63 13.69 11.26 7.74 | 16.73 8 | 10 Average
    1Y SIP Return % -4.23 -9.52 -17.80 | 1.73 4 | 25 Very Good
    3Y SIP Return % 3.99 3.73 0.09 | 6.36 9 | 22 Good
    5Y SIP Return % 5.87 7.29 5.31 | 10.35 18 | 21 Average
    7Y SIP Return % 6.82 9.51 5.21 | 15.81 11 | 14 Average
    10Y SIP Return % 7.19 10.11 6.65 | 15.56 9 | 10 Average
    Standard Deviation 4.30 7.97 1.10 | 14.15 8 | 26 Good
    Semi Deviation 3.22 5.87 0.78 | 10.35 8 | 26 Good
    Max Drawdown % -4.81 -9.97 -19.00 | -0.42 9 | 26 Good
    VaR 1 Y % -4.67 -9.51 -20.07 | 0.00 8 | 26 Good
    Average Drawdown % -2.15 -3.53 -7.26 | -0.21 9 | 26 Good
    Sharpe Ratio 0.58 0.81 -0.25 | 1.55 22 | 26 Poor
    Sterling Ratio 0.57 0.66 0.48 | 0.99 22 | 26 Poor
    Sortino Ratio 0.26 0.39 -0.09 | 0.80 23 | 26 Poor
    Jensen Alpha % -1.20 0.17 -3.49 | 7.29 22 | 26 Poor
    Treynor Ratio -1.41 -2.04 -18.09 | -0.33 19 | 26 Average
    Modigliani Square Measure % 13.79 16.75 3.89 | 26.68 23 | 26 Poor
    Alpha % -8.17 -3.96 -9.80 | 8.15 23 | 26 Poor
    Return data last Updated On : April 2, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Feb. 27, 2026
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Tata Retirement Savings Fund-Conservative Plan NAV Regular Growth Tata Retirement Savings Fund-Conservative Plan NAV Direct Growth
    02-04-2026 30.6439 36.1809
    30-03-2026 30.5359 36.0499
    27-03-2026 30.7573 36.3078
    25-03-2026 30.9973 36.5888
    24-03-2026 30.8659 36.4325
    23-03-2026 30.7087 36.2459
    20-03-2026 31.0629 36.6605
    18-03-2026 31.3151 36.9557
    17-03-2026 31.244 36.8706
    16-03-2026 31.1669 36.7785
    13-03-2026 31.1364 36.7391
    12-03-2026 31.3224 36.9574
    11-03-2026 31.3626 37.0036
    10-03-2026 31.4434 37.0977
    09-03-2026 31.2858 36.9106
    06-03-2026 31.4752 37.1305
    05-03-2026 31.5671 37.2378
    04-03-2026 31.4646 37.1156
    02-03-2026 31.6231 37.3003

    Fund Launch Date: 01/Jan/2013
    Fund Category: Retirement Fund
    Investment Objective: The objective of the Fund is to provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends.
    Fund Description: A) Invests upto 30% of portfolio in equity b) Ideal during last couple of years from retirement and post retirement to save accumulated retirement corpus c) Retirement solution oriented scheme having a lock-in of 5 years or till retirement age ie 60 years (whichever is earlier)
    Fund Benchmark: CRISIL Short Term Debt Hybrid 75 + 25 Fund Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.