Tata Retirement Savings Fund Moderate Plan
Direct · Growth ₹80.47
19 Jun 2026
NAV
15.5%
3Y CAGR
14.8%
5Y CAGR
15.2%
10Y CAGR
15.4%
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.
5.49
Sharpe
-29.6%
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 | ₹12.79 L | 17.9% | -44.3% | 79.4% |
| 3 Years | ₹36.00 L | ₹44.89 L | 15.0% | -14.3% | 27.6% |
| 5 Years | ₹60.00 L | ₹83.85 L | 14.2% | -2.5% | 24.6% |
| 7 Years | ₹84.00 L | ₹1.36 Cr | 13.8% | 4.7% | 18.9% |
| 10 Years | ₹1.20 Cr | ₹2.50 Cr | 14.2% | 10.8% | 16.9% |
| 12 Years | ₹1.44 Cr | ₹3.59 Cr | 14.4% | 11.5% | 16.8% |
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 | 17.9% | 14.5% | 11.9% | +3.4% |
| 3 Years | 15.0% | 11.2% | 13.0% | +3.8% |
| 5 Years | 14.2% | 10.5% | 12.7% | +3.7% |
| 7 Years | 13.8% | 10.6% | 13.0% | +3.3% |
| 10 Years | 14.2% | 11.5% | 12.1% | +2.7% |
| 12 Years | 14.4% | 11.4% | 13.0% | +3.0% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 17.4% | 14.1% | -22.5% | 76.5% | 0.64 | 2.49 | 86% | — | — |
| 3 Years | 15.5% | 15.6% | -1.2% | 30.0% | 1.71 | 12.89 | 100% | — | — |
| 5 Years | 14.8% | 14.7% | 3.5% | 25.8% | 1.98 | 62.36 | 100% | — | — |
| 10 Years | 15.2% | 15.1% | 11.8% | 18.1% | 5.49 | — | 100% | — | — |
-29.6%
Max Drawdown
1 mo
Drawdown Duration
6 mo
Recovery Time
-3.5%
Avg Drawdown
Calmar Ratio by Duration
0.59
1Y
0.52
3Y
0.50
5Y
0.48
7Y
0.51
10Y
0.55
12Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +7.11 | 0.85 | 86.3% | 76.7% | 5.4% | -3.1% |
| 3 Years | +6.58 | 0.81 | 82.4% | 72.3% | 14.8% | 8.6% |
| 5 Years | +4.07 | 0.77 | 78.0% | 71.3% | 12.4% | 8.8% |
| 7 Years | +4.26 | 0.74 | 75.7% | 69.7% | 14.0% | 10.8% |
| 10 Years | +3.72 | 0.74 | 76.0% | 70.2% | 13.8% | 11.3% |
| 12 Years | +5.52 | 0.74 | 76.3% | 68.5% | 14.7% | 10.1% |
| 15 Years | +4.61 | 0.74 | 76.4% | 68.9% | 13.5% | 9.7% |
49
Total Holdings
31.7%
Top 10 Weight
28
Sectors
| # | Stock | % of NAV |
|---|---|---|
| 1 | SOLAR INDUSTRIES INDIA LTD | 4.82% |
| 2 | ICICI BANK LTD | 4.01% |
| 3 | BSE LTD | 3.98% |
| 4 | RELIANCE INDUSTRIES LTD | 3.55% |
| 5 | ETERNAL LTD | 2.87% |
| 6 | MULTI COMMODITY EXCHANGE OF IND LTD | 2.85% |
| 7 | RADICO KHAITAN LTD | 2.66% |
| 8 | POLYCAB INDIA LTD | 2.39% |
| 9 | NIPPON LIFE INDIA ASSET MANAGEMENT LTD | 2.35% |
| 10 | KIRLOSKAR PNEUMATIC COMPANY LTD | 2.24% |