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Tata Retirement Savings Fund-Conservative Plan

Retirement fund benchmarked to CRISIL Short Term Debt Hybrid 75+25 Index. Every figure below is read from one dated snapshot; what the snapshot cannot prove is left out, never estimated.

Latest NAV2 Sep 202639.1863
CategoryRetirement
PlanDirect · Growth
Launched7 Oct 2011
Risk labelthe scheme's own riskometerModerately High
Legal benchmarkSEBI Tier-1CRISIL Short Term Debt Hybrid 75+25 Index
Expense ratiodirect plan, a year1.06%
AUM₹36.2 Cr
Growth of ₹10,000₹14,0372 Sep 2021 to 2 Sep 2026
₹14,090₹12,962₹11,835₹10,708₹9,581Sep 2021Nov 2022Mar 2024Jun 2025Sep 2026
₹14,037 (+7.0% a year) Tata Retirement Savings Fund-Conservative Plan

Performance (trailing, annualised)

1Y annualised6.11%
3Y annualised8.29%
5Y annualised7.02%
10Y annualised8.42%

Point-to-point from the fund's own published NAV; a period the history does not span is left out.

SIP returns

SIP 1Y (₹10,000 a month)invested ₹1,20,000 → worth ₹1,25,1097.96%
SIP 3Y (₹10,000 a month)invested ₹3,60,000 → worth ₹3,99,6546.90%
SIP 5Y (₹10,000 a month)invested ₹6,00,000 → worth ₹7,31,6947.87%

₹10,000 on the first of every month, valued at the latest NAV, as an annualised rate (XIRR).

Calendar years

Calendar 20218.87%
Calendar 20221.30%
Calendar 202313.37%
Calendar 202411.23%
Calendar 20254.84%

Rolling returns

Rolling 1Y · average648 windows since 15 Jan 201410.08%
Rolling 1Y · median9.61%
Rolling 1Y · worst window-1.24%
Rolling 1Y · best window27.03%
Rolling 1Y · windows positive98%
Rolling 3Y · average547 windows since 11 Jan 20169.77%
Rolling 3Y · median9.22%
Rolling 3Y · worst window4.90%
Rolling 3Y · best window15.81%
Rolling 3Y · windows positive100%
Rolling 5Y · average445 windows since 9 Jan 20189.44%
Rolling 5Y · median9.41%
Rolling 5Y · worst window6.53%
Rolling 5Y · best window13.34%
Rolling 5Y · windows positive100%

Every window of that length in the published history, so one lucky start date cannot flatter the fund.

Risk

Volatility (3Y)4.71%
Downside deviation (3Y)3.30%
Maximum drawdown-5.06%

Management

Fund managerFM-1 Sonam Udasi, FM-2 Murthy Nagarajan, FM-3 Amit Somani
Managing since1 Jun 2026

Related

Source: the OmniAsset signed reference snapshot, as of 4 Sep 2026. Figures are deterministic; missing data is withheld, never estimated. See methodology and data sources. Not investment advice.

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