Tata Retirement Savings Fund-Progressive Plan Datagrid
Category Retirement Fund
BMSMONEY Rank 10
Rating
Growth Option 19-08-2026
NAV ₹69.67(R) -0.24% ₹85.93(D) -0.23%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 6.37% 13.44% 10.57% 13.95% 12.71%
Direct 7.89% 15.1% 12.23% 15.69% 14.4%
Nifty 500 TRI 2.32% 12.61% 11.78% 15.79% 13.43%
SIP (XIRR) Regular 13.29% 9.24% 12.05% 13.24% 12.36%
Direct 14.87% 10.83% 13.71% 14.97% 14.04%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.46 0.24 0.49 -0.28% 0.08
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
16.26% -25.74% -18.08% 1.07 11.55%
Fund AUM As on: 30/12/2025 2110 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
- 6

NAV Date: 19-08-2026

Scheme Name NAV Rupee Change Percent Change
Tata Retirement Savings Fund - Progressive Plan -Regular Plan-Growth Option 69.67
-0.1700
-0.2400%
Tata Retirement Savings Fund- Progressive Plan -Direct Plan-Growth Option 85.93
-0.2000
-0.2300%

Review Date: 19-08-2026

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 Tata Retirement Savings Fund-Progressive Plan has shown a very poor past performence in Retirement Fund. The fund has a Jensen Alpha of -0.28% which is lower than the category average of 0.09%. The fund has a Sharpe Ratio of 0.46 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-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 1.33%, 5.47 and 11.07 in last one, three and six months respectively. In the same period the category average return was 0.96%, 4.76% and 4.03% respectively.
  • Tata Retirement Savings Fund-Progressive Plan has given a return of 7.89% in last one year. In the same period the Nifty 500 TRI return was 2.32%. The fund has given 5.57% more return than the benchmark return.
  • The fund has given a return of 15.1% in last three years and rank 4th out of twenty one funds in the category. In the same period the Nifty 500 TRI return was 12.61%. The fund has given 2.49% more return than the benchmark return.
  • Tata Retirement Savings Fund-Progressive Plan has given a return of 12.23% in last five years and category average returns is 10.28% in same period. The fund ranked 6th out of twenty funds in the category. In the same period the Nifty 500 TRI return was 11.78%. The fund has given 0.45% more return than the benchmark return.
  • The fund has given a return of 14.4% in last ten years and ranked 2nd out of nine funds in the category. In the same period the Nifty 500 TRI return was 13.43%. The fund has given 0.97% more return than the benchmark return.
  • The fund has given a SIP return of 14.87% in last one year whereas category average SIP return is -3.16%. The fund one year return rank in the category is 2nd in 24 funds
  • The fund has SIP return of 10.83% in last three years and ranks 4th in 21 funds. Aditya Birla Sun Life Retirement Fund - The 30s Plan has given the highest SIP return (16.01%) in the category in last three years.
  • The fund has SIP return of 13.71% in last five years whereas category average SIP return is 9.26%.

Tata Retirement Savings Fund-Progressive Plan Risk Analysis

  • The fund has a standard deviation of 16.26 and semi deviation of 11.55. The category average standard deviation is 9.64 and semi deviation is 7.17.
  • The fund has a Value at Risk (VaR) of -25.74 and a maximum drawdown of -18.08. The category average VaR is -12.9 and the maximum drawdown is -10.32. 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 % 1.21 0.38
    0.86
    		-0.33 | 1.90 7 | 24 Good
    3M Return % 5.10 4.39
    4.44
    		1.99 | 9.65 7 | 24 Good
    6M Return % 10.31 1.02
    3.38
    		-3.81 | 11.29 2 | 16 Very Good
    1Y Return % 6.37 2.32
    3.71
    		-3.59 | 13.68 6 | 24 Very Good
    3Y Return % 13.44 12.61
    10.53
    		5.05 | 20.23 5 | 21 Very Good
    5Y Return % 10.57 11.78
    8.92
    		4.04 | 19.08 6 | 20 Good
    7Y Return % 13.95 15.79
    10.83
    		4.13 | 19.86 4 | 17 Very Good
    10Y Return % 12.71 13.43
    9.82
    		6.23 | 14.14 2 | 9 Very Good
    1Y SIP Return % 13.29
    -4.35
    		-28.40 | 20.27 2 | 24 Very Good
    3Y SIP Return % 9.24
    4.01
    		-3.65 | 14.51 5 | 21 Very Good
    5Y SIP Return % 12.05
    7.91
    		1.29 | 18.23 4 | 20 Very Good
    7Y SIP Return % 13.24
    9.57
    		1.92 | 20.91 6 | 17 Good
    10Y SIP Return % 12.36
    9.24
    		4.70 | 14.28 2 | 9 Very Good
    Standard Deviation 16.26
    9.65
    		1.31 | 16.38 25 | 26 Poor
    Semi Deviation 11.55
    7.17
    		0.96 | 11.68 25 | 26 Poor
    Max Drawdown % -18.08
    -10.32
    		-19.00 | -0.74 25 | 26 Poor
    VaR 1 Y % -25.74
    -12.90
    		-25.74 | -0.37 26 | 26 Poor
    Average Drawdown % 6.78
    5.15
    		0.38 | 11.62 10 | 26 Good
    Sharpe Ratio 0.46
    0.38
    		-0.55 | 0.91 8 | 26 Good
    Sterling Ratio 0.49
    0.51
    		0.33 | 0.81 13 | 26 Good
    Sortino Ratio 0.24
    0.18
    		-0.19 | 0.46 7 | 26 Very Good
    Jensen Alpha % -0.28
    0.09
    		-3.62 | 6.21 13 | 26 Good
    Treynor Ratio 0.08
    0.07
    		-0.19 | 0.19 12 | 26 Good
    Modigliani Square Measure % 7.08
    5.75
    		-8.49 | 14.04 8 | 26 Good
    Alpha % 0.17
    -3.60
    		-9.58 | 8.09 5 | 26 Very Good
    Return data last Updated On : Aug. 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 Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 1.33 0.38 0.96 -0.25 | 2.01 7 | 24 Good
    3M Return % 5.47 4.39 4.76 2.28 | 10.00 7 | 24 Good
    6M Return % 11.07 1.02 4.03 -3.30 | 12.03 2 | 16 Very Good
    1Y Return % 7.89 2.32 4.98 -2.62 | 15.19 5 | 24 Very Good
    3Y Return % 15.10 12.61 11.87 6.23 | 21.89 4 | 21 Very Good
    5Y Return % 12.23 11.78 10.28 5.27 | 20.72 6 | 20 Good
    7Y Return % 15.69 15.79 12.25 5.43 | 21.64 4 | 17 Very Good
    10Y Return % 14.40 13.43 11.17 7.50 | 15.61 2 | 9 Very Good
    1Y SIP Return % 14.87 -3.16 -27.69 | 21.85 2 | 24 Very Good
    3Y SIP Return % 10.83 5.29 -2.49 | 16.01 4 | 21 Very Good
    5Y SIP Return % 13.71 9.26 2.49 | 19.88 4 | 20 Very Good
    7Y SIP Return % 14.97 10.95 3.16 | 22.64 5 | 17 Very Good
    10Y SIP Return % 14.04 10.55 5.92 | 15.66 2 | 9 Very Good
    Standard Deviation 16.26 9.65 1.31 | 16.38 25 | 26 Poor
    Semi Deviation 11.55 7.17 0.96 | 11.68 25 | 26 Poor
    Max Drawdown % -18.08 -10.32 -19.00 | -0.74 25 | 26 Poor
    VaR 1 Y % -25.74 -12.90 -25.74 | -0.37 26 | 26 Poor
    Average Drawdown % 6.78 5.15 0.38 | 11.62 10 | 26 Good
    Sharpe Ratio 0.46 0.38 -0.55 | 0.91 8 | 26 Good
    Sterling Ratio 0.49 0.51 0.33 | 0.81 13 | 26 Good
    Sortino Ratio 0.24 0.18 -0.19 | 0.46 7 | 26 Very Good
    Jensen Alpha % -0.28 0.09 -3.62 | 6.21 13 | 26 Good
    Treynor Ratio 0.08 0.07 -0.19 | 0.19 12 | 26 Good
    Modigliani Square Measure % 7.08 5.75 -8.49 | 14.04 8 | 26 Good
    Alpha % 0.17 -3.60 -9.58 | 8.09 5 | 26 Very Good
    Return data last Updated On : Aug. 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-Progressive Plan NAV Regular Growth Tata Retirement Savings Fund-Progressive Plan NAV Direct Growth
    19-08-2026 69.6658 85.9257
    18-08-2026 69.8321 86.1275
    17-08-2026 69.9664 86.2899
    14-08-2026 69.9332 86.239
    13-08-2026 70.161 86.5166
    12-08-2026 69.7451 86.0005
    11-08-2026 69.8637 86.1434
    10-08-2026 69.8548 86.1292
    07-08-2026 69.5099 85.6941
    06-08-2026 69.5767 85.7731
    05-08-2026 69.5376 85.7217
    04-08-2026 69.459 85.6215
    03-08-2026 69.5063 85.6766
    31-07-2026 69.0161 85.0625
    30-07-2026 68.7428 84.7225
    29-07-2026 68.8371 84.8354
    28-07-2026 68.2867 84.154
    27-07-2026 68.2461 84.1008
    24-07-2026 67.6514 83.3583
    23-07-2026 67.7866 83.5217
    22-07-2026 68.5174 84.4183
    21-07-2026 68.942 84.9382
    20-07-2026 68.8304 84.7975

    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.