Tata Retirement Savings Fund Conservative Plan
Direct · Growth ₹38.93
06 Jul 2026
NAV
9.8%
3Y CAGR
9.5%
5Y CAGR
9.7%
10Y CAGR
9.7%
Weighted CAGR
?
Weighted Mean CAGR
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
5.39
Sharpe
-11.0%
Max Drawdown
?
Max Drawdown
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
NA
TER
If you invested ₹1,00,000 every month via SIP, here's how this fund has historically performed across different time horizons.
| Duration | Invested | Median Value | XIRR | Min XIRR | Max XIRR |
|---|---|---|---|---|---|
| 1 Year | ₹12.00 L | ₹12.55 L | 10.2% | -12.8% | 27.0% |
| 3 Years | ₹36.00 L | ₹41.14 L | 9.5% | 0.0% | 14.9% |
| 5 Years | ₹60.00 L | ₹74.76 L | 9.1% | 4.4% | 13.9% |
| 7 Years | ₹84.00 L | ₹1.15 Cr | 9.0% | 6.8% | 10.8% |
| 10 Years | ₹1.20 Cr | ₹1.89 Cr | 8.9% | 7.3% | 10.0% |
| 12 Years | ₹1.44 Cr | ₹2.53 Cr | 9.0% | 7.8% | 10.0% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | NIFTY 50 | Category avg | Fund edge |
|---|---|---|---|---|
| 1 Year | 10.2% | 14.5% | 11.7% | -4.3% |
| 3 Years | 9.5% | 11.2% | 12.7% | -1.6% |
| 5 Years | 9.1% | 10.4% | 12.4% | -1.4% |
| 7 Years | 9.0% | 10.6% | 12.6% | -1.6% |
| 10 Years | 8.9% | 11.5% | 11.6% | -2.6% |
| 12 Years | 9.0% | 11.4% | 11.7% | -2.4% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 10.1% | 9.7% | -2.8% | 27.0% | 0.61 | 1.78 | 98% | — | — |
| 3 Years | 9.8% | 9.3% | 4.2% | 15.8% | 1.47 | 27.03 | 100% | — | — |
| 5 Years | 9.5% | 9.4% | 6.5% | 13.6% | 1.78 | — | 100% | — | — |
| 10 Years | 9.7% | 9.8% | 8.5% | 10.7% | 5.39 | — | 100% | — | — |
-11.0%
Max Drawdown
1 mo
Drawdown Duration
3 mo
Recovery Time
-0.9%
Avg Drawdown
Calmar Ratio by Duration
0.92
1Y
0.89
3Y
0.86
5Y
0.86
7Y
0.88
10Y
0.91
12Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +1.27 | 0.33 | 35.5% | 28.4% | 5.1% | -1.6% |
| 3 Years | +1.81 | 0.31 | 33.5% | 25.3% | 8.6% | 7.3% |
| 5 Years | +0.24 | 0.29 | 30.9% | 25.0% | 7.5% | 8.9% |
| 7 Years | +0.78 | 0.26 | 29.3% | 23.7% | 8.7% | 11.9% |
| 10 Years | +0.84 | 0.27 | 30.3% | 24.1% | 8.5% | 10.9% |
| 12 Years | +1.89 | 0.27 | 30.6% | 23.4% | 9.3% | 10.1% |
| 15 Years | +1.32 | 0.26 | 30.4% | 23.2% | 8.7% | 9.8% |
47
Total Holdings
10.9%
Top 10 Weight
28
Sectors
| # | Stock | % of NAV |
|---|---|---|
| 1 | SOLAR INDUSTRIES INDIA LTD | 1.56% |
| 2 | ICICI BANK LTD | 1.47% |
| 3 | RELIANCE INDUSTRIES LTD | 1.25% |
| 4 | BSE LTD | 1.14% |
| 5 | COAL INDIA LTD | 1.01% |
| 6 | ETERNAL LTD | 0.99% |
| 7 | MULTI COMMODITY EXCHANGE OF IND LTD | 0.93% |
| 8 | NIPPON LIFE INDIA ASSET MANAGEMENT LTD | 0.88% |
| 9 | RADICO KHAITAN LTD | 0.85% |
| 10 | DOMS INDUSTRIES LTD | 0.82% |