Tata Retirement Savings Fund Moderate Plan
Direct · Growth ₹79.97
04 Nov 2026
NAV
15.4%
3Y CAGR
14.6%
5Y CAGR
15.0%
10Y CAGR
15.2%
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.
5.16
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.
0.72%
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 | ₹12.77 L | 17.7% | -44.3% | 79.4% |
| 3 Years | ₹36.00 L | ₹44.67 L | 14.8% | -14.3% | 27.6% |
| 5 Years | ₹60.00 L | ₹83.37 L | 14.1% | -2.5% | 24.6% |
| 7 Years | ₹84.00 L | ₹1.36 Cr | 13.8% | 4.7% | 18.9% |
| 10 Years | ₹1.20 Cr | ₹2.48 Cr | 14.1% | 10.8% | 16.9% |
| 12 Years | ₹1.44 Cr | ₹3.52 Cr | 14.1% | 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 | 17.7% | 14.3% | 6.8% | +3.4% |
| 3 Years | 14.8% | 11.0% | 12.9% | +3.7% |
| 5 Years | 14.1% | 10.4% | 13.3% | +3.7% |
| 7 Years | 13.8% | 10.6% | 15.2% | +3.3% |
| 10 Years | 14.1% | 11.4% | 12.3% | +2.6% |
| 12 Years | 14.1% | 11.3% | — | +2.8% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 17.1% | 13.7% | -22.5% | 76.5% | 0.62 | 2.42 | 87% | — | — |
| 3 Years | 15.4% | 15.4% | -1.2% | 30.0% | 1.71 | 12.99 | 100% | — | — |
| 5 Years | 14.6% | 14.4% | 3.5% | 25.8% | 1.95 | 62.58 | 100% | — | — |
| 10 Years | 15.0% | 14.8% | 11.8% | 18.1% | 5.16 | — | 100% | — | — |
-29.6%
Max Drawdown
1 mo
Drawdown Duration
6 mo
Recovery Time
-3.5%
Avg Drawdown
Calmar Ratio by Duration
0.58
1Y
0.52
3Y
0.49
5Y
0.48
7Y
0.51
10Y
0.54
12Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +6.38 | 0.81 | 82.3% | 72.4% | 1.4% | -7.6% |
| 3 Years | +4.47 | 0.81 | 80.3% | 72.7% | 11.7% | 7.4% |
| 5 Years | +3.67 | 0.77 | 77.5% | 71.3% | 9.8% | 6.0% |
| 7 Years | +3.33 | 0.74 | 74.7% | 69.6% | 12.7% | 10.4% |
| 10 Years | +2.90 | 0.75 | 75.6% | 70.6% | 12.7% | 10.9% |
| 12 Years | +4.47 | 0.73 | 75.3% | 68.5% | 12.9% | 9.2% |
| 15 Years | +4.54 | 0.73 | 76.1% | 68.8% | 13.3% | 9.6% |
51
Total Holdings
29.5%
Top 10 Weight
26
Sectors
| # | Stock | % of NAV |
|---|---|---|
| 1 | SOLAR INDUSTRIES INDIA LTD | 4.74% |
| 2 | ICICI BANK LTD | 4.27% |
| 3 | ETERNAL LTD | 3.49% |
| 4 | RELIANCE INDUSTRIES LTD | 3.23% |
| 5 | MULTI COMMODITY EXCHANGE OF IND LTD | 3.23% |
| 6 | RADICO KHAITAN LTD | 2.60% |
| 7 | ADANI PORTS AND SPECIAL ECONOMIC ZONE LTD | 2.07% |
| 8 | 360 ONE WAM LTD | 1.97% |
| 9 | KIRLOSKAR PNEUMATIC COMPANY LTD | 1.95% |
| 10 | KARUR VYSYA BANK LTD | 1.93% |