Tata Retirement Savings Fund-Moderate Plan Datagrid
Category Retirement Fund
BMSMONEY Rank 7
Rating
Growth Option 19-10-2026
NAV ₹64.55(R) -0.86% ₹78.2(D) -0.85%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular -1.76% 9.3% 7.31% 11.21% 10.66%
Direct -0.41% 10.83% 8.84% 12.81% 12.2%
Benchmark
SIP (XIRR) Regular -1.31% 3.7% 8.4% 10.22% 10.14%
Direct 0.06% 5.18% 9.97% 11.84% 11.73%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.48 0.24 0.52 -0.01% 0.08
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
13.82% -20.88% -14.24% 0.9 9.82%
Fund AUM As on: 30/12/2025 2173 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
UTI Retirement Fund 6

NAV Date: 19-10-2026

Scheme Name NAV Rupee Change Percent Change
Tata Retirement Savings Fund- Moderate Plan-Regular Plan-Growth Option 64.55
-0.5600
-0.8600%
Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option 78.2
-0.6700
-0.8500%

Review Date: 19-10-2026

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 -0.01% which is lower than the category average of 0.09%. The fund has a Sharpe Ratio of 0.48 which is higher 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-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 -4.04%, -4.43 and 1.95 in last one, three and six months respectively. In the same period the category average return was -2.69%, -3.19% and -0.38% respectively.
  • Tata Retirement Savings Fund-Moderate Plan has given a return of -0.41% in last one year. In the same period the Nifty 500 TRI return was -2.0%. The fund has given 1.59% more return than the benchmark return.
  • The fund has given a return of 10.83% in last three years and rank 6th out of twenty seven funds in the category. In the same period the Nifty 500 TRI return was 9.99%. The fund has given 0.84% more return than the benchmark return.
  • Tata Retirement Savings Fund-Moderate Plan has given a return of 8.84% in last five years and category average returns is 9.32% in same period. The fund ranked 7th out of fifteen funds in the category. In the same period the Nifty 500 TRI return was 10.13%. The fund has given 1.29% less return than the benchmark return.
  • The fund has given a return of 12.2% in last ten years and ranked 3rd out of ten funds in the category. In the same period the Nifty 500 TRI return was 12.97%. The fund has given 0.77% less return than the benchmark return.
  • The fund has given a SIP return of 0.06% in last one year whereas category average SIP return is -14.17%. The fund one year return rank in the category is 2nd in 29 funds
  • The fund has SIP return of 5.18% in last three years and ranks 4th in 27 funds. Aditya Birla Sun Life Retirement Fund - The 30s Plan has given the highest SIP return (11.0%) in the category in last three years.
  • The fund has SIP return of 9.97% in last five years whereas category average SIP return is 6.61%.

Tata Retirement Savings Fund-Moderate Plan Risk Analysis

  • The fund has a standard deviation of 13.82 and semi deviation of 9.82. The category average standard deviation is 9.64 and semi deviation is 7.17.
  • The fund has a Value at Risk (VaR) of -20.88 and a maximum drawdown of -14.24. The category average VaR is -12.9 and the maximum drawdown is -10.32. 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 Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -4.14 -3.56
    -2.77
    		-4.75 | -0.57 22 | 29 Average
    3M Return % -4.75 -5.33
    -3.45
    		-6.14 | -0.54 23 | 29 Average
    6M Return % 1.26 -2.97
    -0.93
    		-5.13 | 4.93 4 | 29 Very Good
    1Y Return % -1.76 -6.21
    -2.70
    		-9.41 | 6.11 12 | 29 Good
    3Y Return % 9.30 9.43
    7.86
    		4.57 | 16.51 6 | 27 Very Good
    5Y Return % 7.31 8.02
    8.00
    		4.39 | 15.54 8 | 15 Good
    7Y Return % 11.21 13.95
    9.69
    		3.88 | 18.37 7 | 18 Good
    10Y Return % 10.66 12.58
    8.89
    		5.61 | 13.16 3 | 10 Very Good
    1Y SIP Return % -1.31
    -15.16
    		-43.77 | 6.65 2 | 29 Very Good
    3Y SIP Return % 3.70
    -0.42
    		-7.23 | 9.54 4 | 27 Very Good
    5Y SIP Return % 8.40
    5.38
    		0.60 | 14.43 5 | 25 Very Good
    7Y SIP Return % 10.22
    7.94
    		1.41 | 18.28 7 | 18 Good
    10Y SIP Return % 10.14
    8.11
    		3.78 | 13.11 3 | 10 Very Good
    Standard Deviation 13.82
    9.65
    		1.31 | 16.38 20 | 26 Average
    Semi Deviation 9.82
    7.17
    		0.96 | 11.68 17 | 26 Average
    Max Drawdown % -14.24
    -10.32
    		-19.00 | -0.74 17 | 26 Average
    VaR 1 Y % -20.88
    -12.90
    		-25.74 | -0.37 21 | 26 Average
    Average Drawdown % 7.54
    5.15
    		0.38 | 11.62 6 | 26 Very Good
    Sharpe Ratio 0.48
    0.38
    		-0.55 | 0.91 7 | 26 Very Good
    Sterling Ratio 0.52
    0.51
    		0.33 | 0.81 9 | 26 Good
    Sortino Ratio 0.24
    0.18
    		-0.19 | 0.46 6 | 26 Very Good
    Jensen Alpha % -0.01
    0.09
    		-3.62 | 6.21 11 | 26 Good
    Treynor Ratio 0.08
    0.07
    		-0.19 | 0.19 9 | 26 Good
    Modigliani Square Measure % 7.31
    5.75
    		-8.49 | 14.04 7 | 26 Very Good
    Alpha % -1.10
    -3.60
    		-9.58 | 8.09 7 | 26 Very Good
    Return data last Updated On : Oct. 19, 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 Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -4.04 -3.56 -2.69 -4.67 | -0.49 22 | 29 Average
    3M Return % -4.43 -5.33 -3.19 -5.91 | -0.31 23 | 29 Average
    6M Return % 1.95 -2.97 -0.38 -4.69 | 5.60 4 | 29 Very Good
    1Y Return % -0.41 -6.21 -1.61 -8.52 | 7.53 10 | 29 Good
    3Y Return % 10.83 9.43 9.08 5.74 | 18.12 6 | 27 Very Good
    5Y Return % 8.84 8.02 9.32 5.86 | 17.13 7 | 15 Good
    7Y Return % 12.81 13.95 11.04 5.18 | 20.10 7 | 18 Good
    10Y Return % 12.20 12.58 10.15 6.87 | 14.60 3 | 10 Very Good
    1Y SIP Return % 0.06 -14.17 -43.44 | 8.09 2 | 29 Very Good
    3Y SIP Return % 5.18 0.75 -6.72 | 11.00 4 | 27 Very Good
    5Y SIP Return % 9.97 6.61 1.79 | 16.06 5 | 25 Very Good
    7Y SIP Return % 11.84 9.27 2.64 | 19.99 7 | 18 Good
    10Y SIP Return % 11.73 9.36 5.01 | 14.47 3 | 10 Very Good
    Standard Deviation 13.82 9.65 1.31 | 16.38 20 | 26 Average
    Semi Deviation 9.82 7.17 0.96 | 11.68 17 | 26 Average
    Max Drawdown % -14.24 -10.32 -19.00 | -0.74 17 | 26 Average
    VaR 1 Y % -20.88 -12.90 -25.74 | -0.37 21 | 26 Average
    Average Drawdown % 7.54 5.15 0.38 | 11.62 6 | 26 Very Good
    Sharpe Ratio 0.48 0.38 -0.55 | 0.91 7 | 26 Very Good
    Sterling Ratio 0.52 0.51 0.33 | 0.81 9 | 26 Good
    Sortino Ratio 0.24 0.18 -0.19 | 0.46 6 | 26 Very Good
    Jensen Alpha % -0.01 0.09 -3.62 | 6.21 11 | 26 Good
    Treynor Ratio 0.08 0.07 -0.19 | 0.19 9 | 26 Good
    Modigliani Square Measure % 7.31 5.75 -8.49 | 14.04 7 | 26 Very Good
    Alpha % -1.10 -3.60 -9.58 | 8.09 7 | 26 Very Good
    Return data last Updated On : Oct. 19, 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-Moderate Plan NAV Regular Growth Tata Retirement Savings Fund-Moderate Plan NAV Direct Growth
    19-10-2026 64.5475 78.2039
    16-10-2026 65.1065 78.8723
    15-10-2026 65.0523 78.8038
    14-10-2026 64.9643 78.6942
    13-10-2026 65.0025 78.7376
    12-10-2026 64.8006 78.4901
    09-10-2026 64.7288 78.3944
    08-10-2026 64.2242 77.7804
    07-10-2026 65.3049 79.0862
    06-10-2026 65.4006 79.1991
    05-10-2026 64.7342 78.3892
    01-10-2026 64.3994 77.9721
    30-09-2026 65.1217 78.8437
    29-09-2026 65.1088 78.8247
    28-09-2026 65.5201 79.3198
    25-09-2026 66.56 80.5696
    24-09-2026 66.6428 80.6669
    23-09-2026 67.826 82.096
    22-09-2026 67.413 81.5931
    21-09-2026 67.3359 81.4968

    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.