Tata Retirement Savings Fund-Moderate Plan Datagrid
Category Retirement Fund
BMSMONEY Rank 18
Rating
Growth Option 04-12-2025
NAV ₹64.79(R) -0.51% ₹77.58(D) -0.5%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 0.05% 13.73% 13.21% 12.3% 12.45%
Direct 1.47% 15.34% 14.84% 13.94% 14.0%
Nifty 500 TRI 3.82% 15.22% 17.88% 15.87% 14.96%
SIP (XIRR) Regular 6.58% 12.04% 11.44% 12.73% 12.18%
Direct 8.08% 13.67% 13.03% 14.37% 13.78%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.73 0.34 0.59 1.04% 0.1
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
11.24% -14.04% -14.24% 0.8 8.44%
Fund AUM As on: 30/06/2025 2107 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- Moderate Plan-Regular Plan-Growth Option 64.79
-0.3300
-0.5100%
Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option 77.58
-0.3900
-0.5000%

Review Date: 04-12-2025

Beginning of Analysis

Tata Retirement Savings Fund-Moderate Plan is the 17th ranked fund in the Retirement Fund category. 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 1.04% which is lower than the category average of 3.01%, showing poor performance. The fund has a Sharpe Ratio of 0.73 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-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 0.1%, 1.58 and 1.55 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-Moderate Plan has given a return of 1.47% in last one year. In the same period the Nifty 500 TRI return was 3.82%. The fund has given 2.35% less return than the benchmark return.
  • The fund has given a return of 15.34% in last three years and rank 8th out of 26 funds in the category. In the same period the Nifty 500 TRI return was 15.22%. The fund has given 0.12% more return than the benchmark return.
  • Tata Retirement Savings Fund-Moderate Plan has given a return of 14.84% in last five years and category average returns is 13.13% in same period. The fund ranked 7th out of 21 funds in the category. In the same period the Nifty 500 TRI return was 17.88%. The fund has given 3.04% less return than the benchmark return.
  • The fund has given a return of 14.0% in last ten years and ranked 2nd out of seven funds in the category. In the same period the Nifty 500 TRI return was 14.96%. The fund has given 0.96% less return than the benchmark return.
  • The fund has given a SIP return of 8.08% in last one year whereas category average SIP return is 9.57%. The fund one year return rank in the category is 15th in 29 funds
  • The fund has SIP return of 13.67% in last three years and ranks 11th 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 13.03% in last five years whereas category average SIP return is 11.76%.

Tata Retirement Savings Fund-Moderate Plan Risk Analysis

  • The fund has a standard deviation of 11.24 and semi deviation of 8.44. The category average standard deviation is 8.1 and semi deviation is 5.99.
  • The fund has a Value at Risk (VaR) of -14.04 and a maximum drawdown of -14.24. The category average VaR is -9.67 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 % -0.02 0.33
    0.06
    		-1.56 | 0.95 21 | 29 Average
    3M Return % 1.22 4.18
    2.30
    		-1.16 | 4.96 23 | 29 Average
    6M Return % 0.84 4.72
    2.67
    		-0.85 | 8.07 25 | 29 Poor
    1Y Return % 0.05 3.82
    3.24
    		-2.35 | 9.18 26 | 29 Poor
    3Y Return % 13.73 15.22
    12.10
    		5.32 | 22.97 9 | 26 Good
    5Y Return % 13.21 17.88
    11.73
    		3.76 | 24.74 7 | 21 Good
    7Y Return % 12.30 15.87
    11.19
    		7.40 | 17.95 5 | 10 Good
    10Y Return % 12.45 14.96
    9.99
    		7.04 | 13.21 2 | 7 Very Good
    1Y SIP Return % 6.58
    8.32
    		2.69 | 19.96 17 | 29 Average
    3Y SIP Return % 12.04
    11.14
    		5.27 | 22.37 11 | 26 Good
    5Y SIP Return % 11.44
    10.42
    		4.02 | 21.43 8 | 21 Good
    7Y SIP Return % 12.73
    11.63
    		6.74 | 19.14 5 | 10 Good
    10Y SIP Return % 12.18
    10.10
    		6.84 | 12.89 3 | 7 Good
    Standard Deviation 11.24
    8.10
    		1.10 | 14.70 18 | 26 Average
    Semi Deviation 8.44
    5.99
    		0.79 | 10.76 18 | 26 Average
    Max Drawdown % -14.24
    -9.97
    		-19.00 | -0.42 17 | 26 Average
    VaR 1 Y % -14.04
    -9.67
    		-20.07 | 0.00 20 | 26 Average
    Average Drawdown % -5.37
    -4.41
    		-10.34 | -0.15 17 | 26 Average
    Sharpe Ratio 0.73
    0.77
    		-0.08 | 1.16 14 | 26 Good
    Sterling Ratio 0.59
    0.64
    		0.48 | 0.89 17 | 26 Average
    Sortino Ratio 0.34
    0.37
    		-0.03 | 0.59 15 | 26 Average
    Jensen Alpha % 1.04
    3.01
    		-0.62 | 6.00 22 | 26 Poor
    Treynor Ratio 0.10
    0.12
    		-0.02 | 0.28 17 | 26 Average
    Modigliani Square Measure % 16.74
    25.31
    		14.74 | 72.17 22 | 26 Poor
    Alpha % -1.73
    -2.81
    		-8.18 | 6.99 8 | 26 Good
    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

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    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.10 0.33 0.16 -1.44 | 1.04 20 | 29 Average
    3M Return % 1.58 4.18 2.59 -0.81 | 5.33 22 | 29 Average
    6M Return % 1.55 4.72 3.25 -0.30 | 8.81 24 | 29 Average
    1Y Return % 1.47 3.82 4.43 -1.22 | 10.64 25 | 29 Poor
    3Y Return % 15.34 15.22 13.39 6.53 | 24.66 8 | 26 Good
    5Y Return % 14.84 17.88 13.13 5.03 | 26.45 7 | 21 Good
    7Y Return % 13.94 15.87 12.45 8.61 | 19.36 4 | 10 Good
    10Y Return % 14.00 14.96 11.23 8.35 | 14.91 2 | 7 Very Good
    1Y SIP Return % 8.08 9.57 3.84 | 21.60 15 | 29 Good
    3Y SIP Return % 13.67 12.42 6.44 | 24.11 11 | 26 Good
    5Y SIP Return % 13.03 11.76 5.22 | 23.12 8 | 21 Good
    7Y SIP Return % 14.37 12.90 7.94 | 20.55 5 | 10 Good
    10Y SIP Return % 13.78 11.31 8.08 | 14.61 3 | 7 Good
    Standard Deviation 11.24 8.10 1.10 | 14.70 18 | 26 Average
    Semi Deviation 8.44 5.99 0.79 | 10.76 18 | 26 Average
    Max Drawdown % -14.24 -9.97 -19.00 | -0.42 17 | 26 Average
    VaR 1 Y % -14.04 -9.67 -20.07 | 0.00 20 | 26 Average
    Average Drawdown % -5.37 -4.41 -10.34 | -0.15 17 | 26 Average
    Sharpe Ratio 0.73 0.77 -0.08 | 1.16 14 | 26 Good
    Sterling Ratio 0.59 0.64 0.48 | 0.89 17 | 26 Average
    Sortino Ratio 0.34 0.37 -0.03 | 0.59 15 | 26 Average
    Jensen Alpha % 1.04 3.01 -0.62 | 6.00 22 | 26 Poor
    Treynor Ratio 0.10 0.12 -0.02 | 0.28 17 | 26 Average
    Modigliani Square Measure % 16.74 25.31 14.74 | 72.17 22 | 26 Poor
    Alpha % -1.73 -2.81 -8.18 | 6.99 8 | 26 Good
    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-Moderate Plan NAV Regular Growth Tata Retirement Savings Fund-Moderate Plan NAV Direct Growth
    04-12-2025 64.7944 77.5765
    03-12-2025 64.7807 77.5571
    02-12-2025 65.1243 77.9654
    01-12-2025 65.4911 78.4016
    28-11-2025 65.5063 78.4107
    27-11-2025 65.5733 78.4879
    26-11-2025 65.6951 78.6307
    25-11-2025 64.9489 77.7346
    24-11-2025 64.9549 77.7388
    21-11-2025 65.2976 78.1399
    20-11-2025 65.7943 78.7312
    19-11-2025 65.6285 78.5298
    18-11-2025 65.3871 78.238
    17-11-2025 65.5686 78.4521
    14-11-2025 65.3644 78.1988
    13-11-2025 65.0315 77.7976
    12-11-2025 65.2692 78.0789
    11-11-2025 64.7996 77.5141
    10-11-2025 64.5852 77.2547
    07-11-2025 64.5653 77.222
    06-11-2025 64.3428 76.9529
    04-11-2025 64.8071 77.5023

    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.