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OmniAsset › Mutual funds › Tata Retirement Savings Fund-Moderate Plan

Tata Retirement Savings Fund-Moderate Plan

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

Latest NAV2 Sep 202668.7105
CategoryRetirement
PlanRegular · Growth
Launched7 Oct 2011
Risk labelthe scheme's own riskometerVery High
Legal benchmarkSEBI Tier-1CRISIL Hybrid 25+75-Aggressive Index
Expense ratiodirect plan, a year2.16%
AUM₹1,783 Cr
Growth of ₹10,000₹15,8552 Sep 2021 to 2 Sep 2026
₹15,955₹14,155₹12,355₹10,555₹8,755Sep 2021Nov 2022Mar 2024Jun 2025Sep 2026
₹15,855 (+9.7% a year) Tata Retirement Savings Fund-Moderate Plan

Performance (trailing, annualised)

1Y annualised7.88%
3Y annualised11.66%
5Y annualised9.66%
10Y annualised11.59%

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 ₹1,28,55113.42%
SIP 3Y (₹10,000 a month)invested ₹3,60,000 → worth ₹4,11,8238.93%
SIP 5Y (₹10,000 a month)invested ₹6,00,000 → worth ₹7,95,89311.24%

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

Calendar years

Calendar 202120.48%
Calendar 2022-1.89%
Calendar 202325.35%
Calendar 202419.52%
Calendar 20251.05%

Rolling returns

Rolling 1Y · average713 windows since 8 Nov 201215.01%
Rolling 1Y · median11.81%
Rolling 1Y · worst window-19.24%
Rolling 1Y · best window73.77%
Rolling 1Y · windows positive84%
Rolling 3Y · average610 windows since 10 Nov 201414.79%
Rolling 3Y · median14.20%
Rolling 3Y · worst window-1.04%
Rolling 3Y · best window28.22%
Rolling 3Y · windows positive100%
Rolling 5Y · average507 windows since 10 Nov 201613.86%
Rolling 5Y · median13.50%
Rolling 5Y · worst window3.28%
Rolling 5Y · best window23.44%
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)12.43%
Downside deviation (3Y)9.12%
Maximum drawdown-15.60%

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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