Tata Retirement Savings Fund-Moderate Plan Datagrid
Category Retirement Fund
BMSMONEY Rank 17
Rating
Growth Option 13-03-2026
NAV ₹59.32(R) -1.62% ₹71.29(D) -1.62%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 5.21% 12.9% 9.52% 10.41% 11.96%
Direct 6.68% 14.5% 11.09% 12.02% 13.51%
Nifty 500 TRI 7.03% 15.05% 12.45% 13.56% 14.3%
SIP (XIRR) Regular -10.68% 3.63% 7.45% 9.73% 10.04%
Direct -9.39% 5.16% 9.03% 11.37% 11.63%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.72 0.34 0.59 -1.76% -0.5
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
11.21% -14.04% -14.24% 0.84 8.39%
Fund AUM As on: 30/12/2025 2173 Cr
Top Retirement Fund
Fund Name Rank Rating
Icici Prudential Retirement Fund - Pure Equity Plan 1
Icici Prudential Retirement Fund - Hybrid Aggressive Plan 2
Union Retirement Fund 3
Icici Prudential Retirement Fund - Hybrid Conservative Plan 4
Aditya Birla Sun Life Retirement Fund - The 40s Plan 5
Aditya Birla Sun Life Retirement Fund - The 30s Plan 6

NAV Date: 13-03-2026

Scheme Name NAV Rupee Change Percent Change
Tata Retirement Savings Fund- Moderate Plan-Regular Plan-Growth Option 59.32
-0.9800
-1.6200%
Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option 71.29
-1.1700
-1.6200%

Review Date: 13-03-2026

Beginning of Analysis

In the Retirement Fund category, Tata Retirement Savings Fund-Moderate Plan is the 17th ranked fund. The category has total 26 funds. The 2 star rating shows a poor past performance of the Tata Retirement Savings Fund-Moderate Plan in Retirement Fund. The fund has a Jensen Alpha of -1.76% which is lower than the category average of 0.17%, showing poor performance. The fund has a Sharpe Ratio of 0.72 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-Moderate Plan Return Analysis

The Tata Retirement Savings Fund-Moderate 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 -5.88%, -8.04 and -7.69 in last one, three and six months respectively. In the same period the category average return was -4.87%, -5.35% and -3.84% respectively.
  • Tata Retirement Savings Fund-Moderate Plan has given a return of 6.68% in last one year. In the same period the Nifty 500 TRI return was 7.03%. The fund has given 0.35% less return than the benchmark return.
  • The fund has given a return of 14.5% in last three years and rank 9th out of twenty six funds in the category. In the same period the Nifty 500 TRI return was 15.05%. The fund has given 0.55% less return than the benchmark return.
  • Tata Retirement Savings Fund-Moderate Plan has given a return of 11.09% in last five years and category average returns is 10.49% in same period. The fund ranked 9th out of twenty five funds in the category. In the same period the Nifty 500 TRI return was 12.45%. The fund has given 1.36% less return than the benchmark return.
  • The fund has given a return of 13.51% in last ten years and ranked 4th out of ten funds in the category. In the same period the Nifty 500 TRI return was 14.3%. The fund has given 0.79% less return than the benchmark return.
  • The fund has given a SIP return of -9.39% in last one year whereas category average SIP return is -4.39%. The fund one year return rank in the category is 22nd in 28 funds
  • The fund has SIP return of 5.16% in last three years and ranks 17th in 25 funds. Icici Prudential Retirement Fund - Pure Equity Plan has given the highest SIP return (15.04%) in the category in last three years.
  • The fund has SIP return of 9.03% in last five years whereas category average SIP return is 8.08%.

Tata Retirement Savings Fund-Moderate Plan Risk Analysis

  • The fund has a standard deviation of 11.21 and semi deviation of 8.39. The category average standard deviation is 7.97 and semi deviation is 5.87.
  • The fund has a Value at Risk (VaR) of -14.04 and a maximum drawdown of -14.24. The category average VaR is -9.51 and the maximum drawdown is -9.97. The fund has a beta of 0.78 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 % -5.97 -8.21
    -4.96
    		-8.66 | 0.30 15 | 29 Good
    3M Return % -8.34 -9.72
    -5.61
    		-11.03 | 0.75 23 | 29 Average
    6M Return % -8.31 -7.62
    -4.38
    		-12.26 | 1.59 24 | 29 Average
    1Y Return % 5.21 7.03
    5.88
    		2.39 | 18.65 11 | 29 Good
    3Y Return % 12.90 15.05
    11.69
    		5.31 | 24.28 9 | 26 Good
    5Y Return % 9.52 12.45
    9.20
    		4.31 | 19.63 10 | 25 Good
    7Y Return % 10.41 13.56
    9.55
    		4.31 | 17.66 7 | 18 Good
    10Y Return % 11.96 14.30
    10.54
    		7.01 | 16.01 4 | 10 Good
    1Y SIP Return % -10.68
    -5.34
    		-14.97 | 3.44 23 | 29 Average
    3Y SIP Return % 3.63
    5.15
    		0.79 | 13.39 21 | 26 Average
    5Y SIP Return % 7.45
    7.13
    		3.18 | 17.20 10 | 25 Good
    7Y SIP Return % 9.73
    9.28
    		3.63 | 19.51 9 | 18 Good
    10Y SIP Return % 10.04
    9.30
    		5.93 | 14.77 5 | 10 Good
    Standard Deviation 11.21
    7.97
    		1.10 | 14.15 19 | 26 Average
    Semi Deviation 8.39
    5.87
    		0.78 | 10.35 18 | 26 Average
    Max Drawdown % -14.24
    -9.97
    		-19.00 | -0.42 17 | 26 Average
    VaR 1 Y % -14.04
    -9.51
    		-20.07 | 0.00 20 | 26 Average
    Average Drawdown % -4.58
    -3.53
    		-7.26 | -0.21 17 | 26 Average
    Sharpe Ratio 0.72
    0.81
    		-0.25 | 1.55 17 | 26 Average
    Sterling Ratio 0.59
    0.66
    		0.48 | 0.99 19 | 26 Average
    Sortino Ratio 0.34
    0.39
    		-0.09 | 0.80 17 | 26 Average
    Jensen Alpha % -1.76
    0.17
    		-3.49 | 7.29 24 | 26 Poor
    Treynor Ratio -0.50
    -2.04
    		-18.09 | -0.33 10 | 26 Good
    Modigliani Square Measure % 15.34
    16.75
    		3.89 | 26.68 17 | 26 Average
    Alpha % -3.40
    -3.96
    		-9.80 | 8.15 10 | 26 Good
    Return data last Updated On : March 13, 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 % -5.88 -8.21 -4.87 -8.58 | 0.40 15 | 29 Good
    3M Return % -8.04 -9.72 -5.35 -10.81 | 1.05 21 | 29 Average
    6M Return % -7.69 -7.62 -3.84 -11.58 | 2.16 24 | 29 Average
    1Y Return % 6.68 7.03 7.10 3.65 | 20.27 10 | 29 Good
    3Y Return % 14.50 15.05 12.96 6.52 | 25.98 9 | 26 Good
    5Y Return % 11.09 12.45 10.49 5.58 | 21.27 9 | 25 Good
    7Y Return % 12.02 13.56 10.93 5.64 | 19.46 6 | 18 Good
    10Y Return % 13.51 14.30 11.85 8.31 | 17.54 4 | 10 Good
    1Y SIP Return % -9.39 -4.39 -13.55 | 4.72 22 | 28 Poor
    3Y SIP Return % 5.16 6.12 1.96 | 15.04 17 | 25 Average
    5Y SIP Return % 9.03 8.08 4.36 | 18.87 9 | 24 Good
    7Y SIP Return % 11.37 10.28 4.88 | 21.24 7 | 17 Good
    10Y SIP Return % 11.63 10.56 7.16 | 16.19 5 | 10 Good
    Standard Deviation 11.21 7.97 1.10 | 14.15 19 | 26 Average
    Semi Deviation 8.39 5.87 0.78 | 10.35 18 | 26 Average
    Max Drawdown % -14.24 -9.97 -19.00 | -0.42 17 | 26 Average
    VaR 1 Y % -14.04 -9.51 -20.07 | 0.00 20 | 26 Average
    Average Drawdown % -4.58 -3.53 -7.26 | -0.21 17 | 26 Average
    Sharpe Ratio 0.72 0.81 -0.25 | 1.55 17 | 26 Average
    Sterling Ratio 0.59 0.66 0.48 | 0.99 19 | 26 Average
    Sortino Ratio 0.34 0.39 -0.09 | 0.80 17 | 26 Average
    Jensen Alpha % -1.76 0.17 -3.49 | 7.29 24 | 26 Poor
    Treynor Ratio -0.50 -2.04 -18.09 | -0.33 10 | 26 Good
    Modigliani Square Measure % 15.34 16.75 3.89 | 26.68 17 | 26 Average
    Alpha % -3.40 -3.96 -9.80 | 8.15 10 | 26 Good
    Return data last Updated On : March 13, 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-Moderate Plan NAV Regular Growth Tata Retirement Savings Fund-Moderate Plan NAV Direct Growth
    13-03-2026 59.3223 71.2877
    12-03-2026 60.2997 72.4595
    11-03-2026 60.4975 72.6945
    10-03-2026 60.9637 73.252
    09-03-2026 60.4489 72.6307
    06-03-2026 61.3035 73.6495
    05-03-2026 61.612 74.0173
    04-03-2026 61.1147 73.4172
    02-03-2026 61.9184 74.3773
    27-02-2026 62.4675 75.0286
    26-02-2026 63.0664 75.7451
    25-02-2026 63.0724 75.7495
    24-02-2026 62.8895 75.527
    23-02-2026 63.2519 75.9595
    20-02-2026 63.0527 75.7118
    19-02-2026 62.9455 75.5803
    18-02-2026 63.5788 76.338
    17-02-2026 63.2695 75.9638
    16-02-2026 63.1374 75.8024
    13-02-2026 63.0917 75.7393

    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 between 65-85% of portfolio in equity. b) Ideal for middle aged and moderate risk profile investors with medium to long term investment horizon. c) Ideal for moderate risk profile investors who have 10 to 15yrs to retire. d) Retirement solution oriented scheme having a lock-in of 5 years or till retirement age ie 60 years (whichever is earlier)
    Fund Benchmark: CRISIL Hybrid 25 + 75 Fund Aggressive Index
    Source: Fund FactSheet

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