Tata Retirement Savings Fund-Conservative Plan Datagrid
Category Retirement Fund
BMSMONEY Rank 26
Rating
Growth Option 04-12-2025
NAV ₹31.96(R) -0.15% ₹37.59(D) -0.14%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 3.03% 8.1% 6.87% 7.57% 7.88%
Direct 4.27% 9.39% 8.14% 8.85% 9.26%
Nifty 500 TRI 3.82% 15.22% 17.88% 15.87% 14.96%
SIP (XIRR) Regular 4.91% 7.35% 6.38% 7.06% 7.22%
Direct 6.17% 8.64% 7.64% 8.34% 8.55%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.59 0.26 0.57 2.96% 0.08
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
4.33% -4.67% -4.81% 0.31 3.25%
Fund AUM As on: 30/06/2025 175 Cr
Top Retirement Fund
Fund Name Rank Rating
Icici Prudential Retirement Fund - Pure Equity Plan 1
Icici Prudential Retirement Fund - Hybrid Aggressive Plan 2
Hdfc Retirement Savings Fund - Equity Plan 3
Union Retirement Fund 4
Aditya Birla Sun Life Retirement Fund - The 40s Plan 5
Icici Prudential Retirement Fund - Hybrid Conservative Plan 6

NAV Date: 04-12-2025

Scheme Name NAV Rupee Change Percent Change
Tata Retirement Savings Fund- Conservative Plan-Regular Plan-Growth Option 31.96
-0.0500
-0.1500%
Tata Retirement Savings Fund- Conservative Plan-Direct Plan-Growth Option 37.59
-0.0500
-0.1400%

Review Date: 04-12-2025

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 1 star rating shows a very poor past performance of the Tata Retirement Savings Fund-Conservative Plan in Retirement Fund. The fund has a Jensen Alpha of 2.96% which is lower than the category average of 3.01%, showing poor performance. The fund has a Sharpe Ratio of 0.59 which is lower than the category average of 0.77.
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 0.3%, 1.36 and 1.61 in last one, three and six months respectively. In the same period the category average return was 0.16%, 2.59% and 3.25% respectively.
  • Tata Retirement Savings Fund-Conservative Plan has given a return of 4.27% in last one year. In the same period the Nifty 500 TRI return was 3.82%. The fund has given 0.45% more return than the benchmark return.
  • The fund has given a return of 9.39% in last three years and rank 22nd out of 26 funds in the category. In the same period the Nifty 500 TRI return was 15.22%. The fund has given 5.83% less return than the benchmark return.
  • Tata Retirement Savings Fund-Conservative Plan has given a return of 8.14% in last five years and category average returns is 13.13% in same period. The fund ranked 17th out of 21 funds in the category. In the same period the Nifty 500 TRI return was 17.88%. The fund has given 9.74% less return than the benchmark return.
  • The fund has given a return of 9.26% in last ten years and ranked 5th out of seven funds in the category. In the same period the Nifty 500 TRI return was 14.96%. The fund has given 5.7% less return than the benchmark return.
  • The fund has given a SIP return of 6.17% in last one year whereas category average SIP return is 9.57%. The fund one year return rank in the category is 24th in 29 funds
  • The fund has SIP return of 8.64% in last three years and ranks 21st in 26 funds. Icici Prudential Retirement Fund - Pure Equity Plan has given the highest SIP return (24.11%) in the category in last three years.
  • The fund has SIP return of 7.64% in last five years whereas category average SIP return is 11.76%.

Tata Retirement Savings Fund-Conservative Plan Risk Analysis

  • The fund has a standard deviation of 4.33 and semi deviation of 3.25. The category average standard deviation is 8.1 and semi deviation is 5.99.
  • The fund has a Value at Risk (VaR) of -4.67 and a maximum drawdown of -4.81. The category average VaR is -9.67 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 % 0.21 0.33
    0.06
    		-1.56 | 0.95 15 | 29 Good
    3M Return % 1.06 4.18
    2.30
    		-1.16 | 4.96 24 | 29 Average
    6M Return % 1.01 4.72
    2.67
    		-0.85 | 8.07 24 | 29 Average
    1Y Return % 3.03 3.82
    3.24
    		-2.35 | 9.18 17 | 29 Average
    3Y Return % 8.10 15.22
    12.10
    		5.32 | 22.97 21 | 26 Average
    5Y Return % 6.87 17.88
    11.73
    		3.76 | 24.74 17 | 21 Average
    7Y Return % 7.57 15.87
    11.19
    		7.40 | 17.95 9 | 10 Average
    10Y Return % 7.88 14.96
    9.99
    		7.04 | 13.21 6 | 7 Average
    1Y SIP Return % 4.91
    8.32
    		2.69 | 19.96 25 | 29 Poor
    3Y SIP Return % 7.35
    11.14
    		5.27 | 22.37 22 | 26 Poor
    5Y SIP Return % 6.38
    10.42
    		4.02 | 21.43 18 | 21 Average
    7Y SIP Return % 7.06
    11.63
    		6.74 | 19.14 9 | 10 Average
    10Y SIP Return % 7.22
    10.10
    		6.84 | 12.89 6 | 7 Average
    Standard Deviation 4.33
    8.10
    		1.10 | 14.70 8 | 26 Good
    Semi Deviation 3.25
    5.99
    		0.79 | 10.76 8 | 26 Good
    Max Drawdown % -4.81
    -9.97
    		-19.00 | -0.42 9 | 26 Good
    VaR 1 Y % -4.67
    -9.67
    		-20.07 | 0.00 8 | 26 Good
    Average Drawdown % -2.23
    -4.41
    		-10.34 | -0.15 8 | 26 Good
    Sharpe Ratio 0.59
    0.77
    		-0.08 | 1.16 24 | 26 Poor
    Sterling Ratio 0.57
    0.64
    		0.48 | 0.89 19 | 26 Average
    Sortino Ratio 0.26
    0.37
    		-0.03 | 0.59 25 | 26 Poor
    Jensen Alpha % 2.96
    3.01
    		-0.62 | 6.00 15 | 26 Average
    Treynor Ratio 0.08
    0.12
    		-0.02 | 0.28 25 | 26 Poor
    Modigliani Square Measure % 24.60
    25.31
    		14.74 | 72.17 10 | 26 Good
    Alpha % -6.62
    -2.81
    		-8.18 | 6.99 25 | 26 Poor
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2025
    KPIs: Key Performance Indicators

    Rotate the phone! Best viewed in landscape mode on mobile.
    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.30 0.33 0.16 -1.44 | 1.04 14 | 29 Good
    3M Return % 1.36 4.18 2.59 -0.81 | 5.33 24 | 29 Average
    6M Return % 1.61 4.72 3.25 -0.30 | 8.81 22 | 29 Average
    1Y Return % 4.27 3.82 4.43 -1.22 | 10.64 17 | 29 Average
    3Y Return % 9.39 15.22 13.39 6.53 | 24.66 22 | 26 Poor
    5Y Return % 8.14 17.88 13.13 5.03 | 26.45 17 | 21 Average
    7Y Return % 8.85 15.87 12.45 8.61 | 19.36 9 | 10 Average
    10Y Return % 9.26 14.96 11.23 8.35 | 14.91 5 | 7 Average
    1Y SIP Return % 6.17 9.57 3.84 | 21.60 24 | 29 Average
    3Y SIP Return % 8.64 12.42 6.44 | 24.11 21 | 26 Average
    5Y SIP Return % 7.64 11.76 5.22 | 23.12 18 | 21 Average
    7Y SIP Return % 8.34 12.90 7.94 | 20.55 9 | 10 Average
    10Y SIP Return % 8.55 11.31 8.08 | 14.61 6 | 7 Average
    Standard Deviation 4.33 8.10 1.10 | 14.70 8 | 26 Good
    Semi Deviation 3.25 5.99 0.79 | 10.76 8 | 26 Good
    Max Drawdown % -4.81 -9.97 -19.00 | -0.42 9 | 26 Good
    VaR 1 Y % -4.67 -9.67 -20.07 | 0.00 8 | 26 Good
    Average Drawdown % -2.23 -4.41 -10.34 | -0.15 8 | 26 Good
    Sharpe Ratio 0.59 0.77 -0.08 | 1.16 24 | 26 Poor
    Sterling Ratio 0.57 0.64 0.48 | 0.89 19 | 26 Average
    Sortino Ratio 0.26 0.37 -0.03 | 0.59 25 | 26 Poor
    Jensen Alpha % 2.96 3.01 -0.62 | 6.00 15 | 26 Average
    Treynor Ratio 0.08 0.12 -0.02 | 0.28 25 | 26 Poor
    Modigliani Square Measure % 24.60 25.31 14.74 | 72.17 10 | 26 Good
    Alpha % -6.62 -2.81 -8.18 | 6.99 25 | 26 Poor
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2025
    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
    04-12-2025 31.9563 37.5864
    03-12-2025 31.9415 37.5677
    02-12-2025 32.0036 37.6396
    01-12-2025 32.0515 37.6946
    28-11-2025 32.0688 37.7113
    27-11-2025 32.1052 37.7528
    26-11-2025 32.1213 37.7706
    25-11-2025 31.9896 37.6145
    24-11-2025 31.9804 37.6025
    21-11-2025 32.0193 37.6445
    20-11-2025 32.1025 37.7411
    19-11-2025 32.0674 37.6986
    18-11-2025 32.0289 37.6521
    17-11-2025 32.0449 37.6697
    14-11-2025 32.0057 37.6199
    13-11-2025 31.9562 37.5605
    12-11-2025 32.0023 37.6135
    11-11-2025 31.9185 37.5137
    10-11-2025 31.8757 37.4622
    07-11-2025 31.8532 37.4321
    06-11-2025 31.8357 37.4104
    04-11-2025 31.8905 37.4723

    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.