Tata Retirement Savings Fund-Conservative Plan Datagrid
Category Retirement Fund
BMSMONEY Rank 13
Rating
Growth Option 18-08-2026
NAV ₹33.11(R) -0.18% ₹39.26(D) -0.18%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 4.64% 7.51% 6.11% 7.49% 7.19%
Direct 5.88% 8.78% 7.38% 8.77% 8.56%
Nifty 500 TRI 3.3% 12.96% 11.86% 15.85% 13.48%
SIP (XIRR) Regular 6.72% 2.08% 5.52% 6.41% 6.56%
Direct 7.96% 3.29% 6.8% 7.7% 7.87%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.31 0.14 0.51 -0.72% 0.06
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
5.4% -6.52% -4.81% 0.34 4.0%
Fund AUM As on: 30/12/2025 174 Cr
Top Retirement Fund
Fund Name Rank Rating
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan 1
ICICI Prudential Retirement Fund - Pure Equity Plan 2
Aditya Birla Sun Life Retirement Fund - The 30s Plan 3
ICICI Prudential Retirement Fund - Hybrid Conservative Plan 4
Union Retirement Fund 5
- 6

NAV Date: 18-08-2026

Scheme Name NAV Rupee Change Percent Change
Tata Retirement Savings Fund- Conservative Plan-Regular Plan-Growth Option 33.11
-0.0600
-0.1800%
Tata Retirement Savings Fund- Conservative Plan-Direct Plan-Growth Option 39.26
-0.0700
-0.1800%

Review Date: 18-08-2026

Beginning of Analysis

In the Retirement Fund category, Tata Retirement Savings Fund-Conservative Plan is the 25th ranked fund. 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 -0.72% which is lower than the category average of 0.09%, reflecting poor performance. The fund has a Sharpe Ratio of 0.31 which is lower than the category average of 0.38.
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 0.82%, 3.95 and 4.48 in last one, three and six months respectively. In the same period the category average return was 1.2%, 5.31% and 2.84% respectively.
  • Tata Retirement Savings Fund-Conservative Plan has given a return of 5.88% in last one year. In the same period the Nifty 500 TRI return was 3.3%. The fund has given 2.58% more return than the benchmark return.
  • The fund has given a return of 8.78% in last three years and rank 16th out of twenty one funds in the category. In the same period the Nifty 500 TRI return was 12.96%. The fund has given 4.18% less return than the benchmark return.
  • Tata Retirement Savings Fund-Conservative Plan has given a return of 7.38% in last five years and category average returns is 10.32% in same period. The fund ranked 16th out of twenty funds in the category. In the same period the Nifty 500 TRI return was 11.86%. The fund has given 4.48% less return than the benchmark return.
  • The fund has given a return of 8.56% in last ten years and ranked 6th out of nine funds in the category. In the same period the Nifty 500 TRI return was 13.48%. The fund has given 4.92% less return than the benchmark return.
  • The fund has given a SIP return of 7.96% in last one year whereas category average SIP return is 7.31%. The fund one year return rank in the category is 10th in 24 funds
  • The fund has SIP return of 3.29% in last three years and ranks 16th in 21 funds. Aditya Birla Sun Life Retirement Fund - The 30s Plan has given the highest SIP return (16.14%) in the category in last three years.
  • The fund has SIP return of 6.8% in last five years whereas category average SIP return is 10.09%.

Tata Retirement Savings Fund-Conservative Plan Risk Analysis

  • The fund has a standard deviation of 5.4 and semi deviation of 4.0. The category average standard deviation is 9.64 and semi deviation is 7.17.
  • The fund has a Value at Risk (VaR) of -6.52 and a maximum drawdown of -4.81. The category average VaR is -12.9 and the maximum drawdown is -10.32. 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 % 0.73 0.75
    1.10
    		-0.01 | 2.26 16 | 24 Average
    3M Return % 3.65 5.06
    4.99
    		2.02 | 10.59 17 | 24 Average
    6M Return % 3.88 -0.10
    2.23
    		-4.71 | 10.26 7 | 24 Good
    1Y Return % 4.64 3.30
    4.35
    		-2.88 | 14.82 10 | 24 Good
    3Y Return % 7.51 12.96
    10.77
    		5.05 | 20.91 16 | 21 Average
    5Y Return % 6.11 11.86
    8.96
    		4.03 | 19.21 15 | 20 Average
    7Y Return % 7.49 15.85
    10.86
    		4.12 | 19.96 12 | 17 Average
    10Y Return % 7.19 13.48
    9.86
    		6.26 | 14.27 7 | 9 Average
    1Y SIP Return % 6.72
    6.03
    		-3.65 | 20.57 10 | 24 Good
    3Y SIP Return % 2.08
    5.54
    		0.13 | 14.65 16 | 21 Average
    5Y SIP Return % 5.52
    8.74
    		3.28 | 18.36 15 | 20 Average
    7Y SIP Return % 6.41
    10.31
    		3.66 | 20.98 12 | 17 Average
    10Y SIP Return % 6.56
    9.78
    		5.89 | 14.52 7 | 9 Average
    Standard Deviation 5.40
    9.65
    		1.31 | 16.38 8 | 26 Good
    Semi Deviation 4.00
    7.17
    		0.96 | 11.68 8 | 26 Good
    Max Drawdown % -4.81
    -10.32
    		-19.00 | -0.74 7 | 26 Very Good
    VaR 1 Y % -6.52
    -12.90
    		-25.74 | -0.37 8 | 26 Good
    Average Drawdown % 3.04
    5.15
    		0.38 | 11.62 18 | 26 Average
    Sharpe Ratio 0.31
    0.38
    		-0.55 | 0.91 16 | 26 Average
    Sterling Ratio 0.51
    0.51
    		0.33 | 0.81 12 | 26 Good
    Sortino Ratio 0.14
    0.18
    		-0.19 | 0.46 17 | 26 Average
    Jensen Alpha % -0.72
    0.09
    		-3.62 | 6.21 18 | 26 Average
    Treynor Ratio 0.06
    0.07
    		-0.19 | 0.19 17 | 26 Average
    Modigliani Square Measure % 4.79
    5.75
    		-8.49 | 14.04 16 | 26 Average
    Alpha % -7.39
    -3.60
    		-9.58 | 8.09 21 | 26 Average
    Return data last Updated On : Aug. 18, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.82 0.75 1.20 0.07 | 2.37 16 | 24 Average
    3M Return % 3.95 5.06 5.31 2.32 | 10.95 17 | 24 Average
    6M Return % 4.48 -0.10 2.84 -4.25 | 10.99 7 | 24 Good
    1Y Return % 5.88 3.30 5.63 -1.90 | 16.35 11 | 24 Good
    3Y Return % 8.78 12.96 12.11 6.23 | 22.58 16 | 21 Average
    5Y Return % 7.38 11.86 10.32 5.26 | 20.85 16 | 20 Poor
    7Y Return % 8.77 15.85 12.28 5.42 | 21.73 12 | 17 Average
    10Y Return % 8.56 13.48 11.21 7.53 | 15.74 6 | 9 Good
    1Y SIP Return % 7.96 7.31 -2.62 | 22.16 10 | 24 Good
    3Y SIP Return % 3.29 6.81 1.26 | 16.14 16 | 21 Average
    5Y SIP Return % 6.80 10.09 4.47 | 20.01 15 | 20 Average
    7Y SIP Return % 7.70 11.69 4.89 | 22.71 12 | 17 Average
    10Y SIP Return % 7.87 11.09 7.11 | 15.91 7 | 9 Average
    Standard Deviation 5.40 9.65 1.31 | 16.38 8 | 26 Good
    Semi Deviation 4.00 7.17 0.96 | 11.68 8 | 26 Good
    Max Drawdown % -4.81 -10.32 -19.00 | -0.74 7 | 26 Very Good
    VaR 1 Y % -6.52 -12.90 -25.74 | -0.37 8 | 26 Good
    Average Drawdown % 3.04 5.15 0.38 | 11.62 18 | 26 Average
    Sharpe Ratio 0.31 0.38 -0.55 | 0.91 16 | 26 Average
    Sterling Ratio 0.51 0.51 0.33 | 0.81 12 | 26 Good
    Sortino Ratio 0.14 0.18 -0.19 | 0.46 17 | 26 Average
    Jensen Alpha % -0.72 0.09 -3.62 | 6.21 18 | 26 Average
    Treynor Ratio 0.06 0.07 -0.19 | 0.19 17 | 26 Average
    Modigliani Square Measure % 4.79 5.75 -8.49 | 14.04 16 | 26 Average
    Alpha % -7.39 -3.60 -9.58 | 8.09 21 | 26 Average
    Return data last Updated On : Aug. 18, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 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
    18-08-2026 33.1072 39.2621
    17-08-2026 33.1683 39.3333
    14-08-2026 33.1867 39.3515
    13-08-2026 33.2117 39.3799
    12-08-2026 33.1135 39.2622
    11-08-2026 33.1087 39.2553
    10-08-2026 33.1168 39.2636
    07-08-2026 33.0553 39.1869
    06-08-2026 33.0568 39.1875
    05-08-2026 33.0417 39.1683
    04-08-2026 33.0004 39.1182
    03-08-2026 32.9539 39.0618
    31-07-2026 32.8872 38.9789
    30-07-2026 32.8457 38.9285
    29-07-2026 32.8688 38.9546
    28-07-2026 32.8087 38.8821
    27-07-2026 32.8263 38.9018
    24-07-2026 32.6663 38.7085
    23-07-2026 32.6775 38.7205
    22-07-2026 32.805 38.8704
    21-07-2026 32.8886 38.9682
    20-07-2026 32.8686 38.9433

    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.