Tata Retirement Savings Fund-Progressive Plan Datagrid
Category Retirement Fund
BMSMONEY Rank 23
Rating
Growth Option 23-01-2026
NAV ₹62.2(R) -1.41% ₹76.11(D) -1.4%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular -0.68% 14.24% 11.56% 12.47% 13.31%
Direct 0.79% 15.93% 13.24% 14.24% 15.01%
Nifty 500 TRI 6.47% 14.9% 15.27% 15.22% 15.07%
SIP (XIRR) Regular -4.87% 7.57% 9.28% 11.66% 11.78%
Direct -3.44% 9.24% 10.96% 13.41% 13.5%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.71 0.33 0.56 -0.68% 0.1
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
13.29% -17.7% -18.08% 0.98 10.06%
Fund AUM As on: 30/06/2025 2031 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
Icici Prudential Retirement Fund - Hybrid Conservative Plan 5
UTI Retirement Fund 6

NAV Date: 23-01-2026

Scheme Name NAV Rupee Change Percent Change
Tata Retirement Savings Fund - Progressive Plan -Regular Plan-Growth Option 62.2
-0.8900
-1.4100%
Tata Retirement Savings Fund- Progressive Plan -Direct Plan-Growth Option 76.11
-1.0800
-1.4000%

Review Date: 23-01-2026

Beginning of Analysis

In the Retirement Fund category, Tata Retirement Savings Fund-Progressive Plan is the 24th ranked fund. The category has total 26 funds. The 1 star rating shows a very poor past performance of the Tata Retirement Savings Fund-Progressive Plan in Retirement Fund. The fund has a Jensen Alpha of -0.68% which is lower than the category average of 2.92%, showing poor performance. The fund has a Sharpe Ratio of 0.71 which is lower than the category average of 0.78.
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-Progressive Plan Return Analysis

The Tata Retirement Savings Fund-Progressive 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 -5.36%, -5.88 and -5.83 in last one, three and six months respectively. In the same period the category average return was -2.85%, -2.59% and -1.45% respectively.
  • Tata Retirement Savings Fund-Progressive Plan has given a return of 0.79% in last one year. In the same period the Nifty 500 TRI return was 6.47%. The fund has given 5.68% less return than the benchmark return.
  • The fund has given a return of 15.93% in last three years and rank 6th out of 26 funds in the category. In the same period the Nifty 500 TRI return was 14.9%. The fund has given 1.03% more return than the benchmark return.
  • Tata Retirement Savings Fund-Progressive Plan has given a return of 13.24% in last five years and category average returns is 11.67% in same period. The fund ranked 6th out of 21 funds in the category. In the same period the Nifty 500 TRI return was 15.27%. The fund has given 2.03% less return than the benchmark return.
  • The fund has given a return of 15.01% in last ten years and ranked 1st out of seven funds in the category. In the same period the Nifty 500 TRI return was 15.07%. The fund has given 0.06% less return than the benchmark return.
  • The fund has given a SIP return of -3.44% in last one year whereas category average SIP return is 2.27%. The fund one year return rank in the category is 28th in 29 funds
  • The fund has SIP return of 9.24% in last three years and ranks 13th in 26 funds. Icici Prudential Retirement Fund - Pure Equity Plan has given the highest SIP return (19.02%) in the category in last three years.
  • The fund has SIP return of 10.96% in last five years whereas category average SIP return is 10.03%.

Tata Retirement Savings Fund-Progressive Plan Risk Analysis

  • The fund has a standard deviation of 13.29 and semi deviation of 10.06. The category average standard deviation is 8.01 and semi deviation is 5.9.
  • The fund has a Value at Risk (VaR) of -17.7 and a maximum drawdown of -18.08. The category average VaR is -9.65 and the maximum drawdown is -9.97. The fund has a beta of 0.93 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 % -5.48 -4.94
    -2.95
    		-6.36 | 0.31 28 | 29 Poor
    3M Return % -6.22 -4.28
    -2.86
    		-8.65 | 1.31 28 | 29 Poor
    6M Return % -6.52 -2.68
    -2.01
    		-9.25 | 2.70 28 | 29 Poor
    1Y Return % -0.68 6.47
    4.84
    		-0.68 | 12.25 29 | 29 Poor
    3Y Return % 14.24 14.90
    11.98
    		5.18 | 23.11 7 | 26 Very Good
    5Y Return % 11.56 15.27
    10.29
    		3.85 | 21.62 6 | 21 Very Good
    7Y Return % 12.47 15.22
    10.75
    		7.03 | 17.40 3 | 10 Very Good
    10Y Return % 13.31 15.07
    10.04
    		7.04 | 13.31 1 | 7 Very Good
    1Y SIP Return % -4.87
    1.09
    		-7.97 | 8.41 28 | 29 Poor
    3Y SIP Return % 7.57
    7.54
    		3.03 | 17.32 15 | 26 Average
    5Y SIP Return % 9.28
    8.69
    		3.23 | 18.70 8 | 21 Good
    7Y SIP Return % 11.66
    10.48
    		5.80 | 17.65 4 | 10 Good
    10Y SIP Return % 11.78
    9.36
    		6.28 | 11.93 2 | 7 Very Good
    Standard Deviation 13.29
    8.01
    		1.11 | 14.52 25 | 26 Poor
    Semi Deviation 10.06
    5.90
    		0.79 | 10.62 25 | 26 Poor
    Max Drawdown % -18.08
    -9.97
    		-19.00 | -0.42 25 | 26 Poor
    VaR 1 Y % -17.70
    -9.66
    		-20.07 | 0.00 24 | 26 Poor
    Average Drawdown % -6.11
    -3.82
    		-9.60 | -0.15 21 | 26 Average
    Sharpe Ratio 0.71
    0.78
    		-0.30 | 1.25 20 | 26 Average
    Sterling Ratio 0.56
    0.64
    		0.50 | 0.92 22 | 26 Poor
    Sortino Ratio 0.33
    0.38
    		-0.11 | 0.63 20 | 26 Average
    Jensen Alpha % -0.68
    2.92
    		-0.68 | 6.31 26 | 26 Poor
    Treynor Ratio 0.10
    0.11
    		-0.09 | 0.27 21 | 26 Average
    Modigliani Square Measure % 15.19
    24.99
    		14.96 | 69.23 25 | 26 Poor
    Alpha % -0.85
    -2.86
    		-8.48 | 7.63 6 | 26 Very Good
    Return data last Updated On : Jan. 23, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 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 % -5.36 -4.94 -2.85 -6.19 | 0.41 28 | 29 Poor
    3M Return % -5.88 -4.28 -2.59 -8.28 | 1.61 28 | 29 Poor
    6M Return % -5.83 -2.68 -1.45 -8.50 | 3.31 28 | 29 Poor
    1Y Return % 0.79 6.47 6.05 0.79 | 13.76 29 | 29 Poor
    3Y Return % 15.93 14.90 13.27 6.39 | 24.81 6 | 26 Very Good
    5Y Return % 13.24 15.27 11.67 5.12 | 23.29 6 | 21 Very Good
    7Y Return % 14.24 15.22 12.01 8.23 | 18.80 3 | 10 Very Good
    10Y Return % 15.01 15.07 11.28 8.34 | 15.01 1 | 7 Very Good
    1Y SIP Return % -3.44 2.27 -6.43 | 9.92 28 | 29 Poor
    3Y SIP Return % 9.24 8.79 4.19 | 19.02 13 | 26 Good
    5Y SIP Return % 10.96 10.03 4.44 | 20.38 7 | 21 Good
    7Y SIP Return % 13.41 11.75 7.01 | 19.06 4 | 10 Good
    10Y SIP Return % 13.50 10.59 7.53 | 13.50 1 | 7 Very Good
    Standard Deviation 13.29 8.01 1.11 | 14.52 25 | 26 Poor
    Semi Deviation 10.06 5.90 0.79 | 10.62 25 | 26 Poor
    Max Drawdown % -18.08 -9.97 -19.00 | -0.42 25 | 26 Poor
    VaR 1 Y % -17.70 -9.66 -20.07 | 0.00 24 | 26 Poor
    Average Drawdown % -6.11 -3.82 -9.60 | -0.15 21 | 26 Average
    Sharpe Ratio 0.71 0.78 -0.30 | 1.25 20 | 26 Average
    Sterling Ratio 0.56 0.64 0.50 | 0.92 22 | 26 Poor
    Sortino Ratio 0.33 0.38 -0.11 | 0.63 20 | 26 Average
    Jensen Alpha % -0.68 2.92 -0.68 | 6.31 26 | 26 Poor
    Treynor Ratio 0.10 0.11 -0.09 | 0.27 21 | 26 Average
    Modigliani Square Measure % 15.19 24.99 14.96 | 69.23 25 | 26 Poor
    Alpha % -0.85 -2.86 -8.48 | 7.63 6 | 26 Very Good
    Return data last Updated On : Jan. 23, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 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-Progressive Plan NAV Regular Growth Tata Retirement Savings Fund-Progressive Plan NAV Direct Growth
    23-01-2026 62.2025 76.111
    22-01-2026 63.0914 77.1951
    21-01-2026 62.6028 76.5942
    20-01-2026 62.888 76.9403
    19-01-2026 64.134 78.4613
    16-01-2026 64.5935 79.0143
    14-01-2026 64.4577 78.8421
    13-01-2026 64.4229 78.7966
    12-01-2026 64.2399 78.5696
    09-01-2026 64.1624 78.4656
    08-01-2026 64.9122 79.3794
    07-01-2026 65.6303 80.2543
    06-01-2026 65.2335 79.7659
    05-01-2026 65.4168 79.9869
    02-01-2026 65.4938 80.0713
    01-01-2026 65.267 79.7909
    31-12-2025 65.4526 80.0146
    30-12-2025 64.8834 79.3155
    29-12-2025 65.0232 79.4832
    26-12-2025 65.4464 79.9909
    24-12-2025 65.635 80.2151
    23-12-2025 65.8084 80.4238

    Fund Launch Date: 07/Oct/2011
    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 atleast 85% of portfolio in equity. b) Ideal to invest during the accumulation phase by young investors due to high equity component. c) Ideal for moderate to aggressive savers risk profile with long term investment horizon. d) Retirement solution oriented scheme having a lock-in of 5 years or till retirement age ie 60 years (whichever is earlier)
    Fund Benchmark: S&P BSE 200 Total Return Index
    Source: Fund FactSheet

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