Tata Retirement Savings Fund-Conservative Plan - Direct Plan - Growth Option
To provide a financial planning tool for long term financial security for investors based on their retirement planning goals.
- Current NAV₹38.2078
- Fund Size (AUM)₹ 165 Cr.
- Expense Ratio1.05 %
- 1Y Return+1.80%
- 3Y Return (CAGR)+7.22%
- 5Y Return (CAGR)+6.09%
- Category Rank (3Y)—
- RiskometerModerately High Risk
- Min. SIP / Lump sum₹ 500 / ₹ 5,000
More figures (11)
- Since Launch (CAGR)+9.34%
- Benchmark—
- Volatility (3Y)4.79 %
- Sharpe Ratio (3Y)0.15
- Beta (3Y)—
- 52-week High / Low₹39.3799 / ₹36.0499
- Max Drawdown-11.0 %
- Launched1 Jan 2013
- Lock-in0 years
- Portfolio Turnover—
- Fund ManagersMurthy Nagarajan, Amit Somani, Sonam Udasi
Performance chart
Past performance may or may not be sustained in future.
Quick take
- Over 5 years it returned 6.1% a year.
- Volatility over 3 years was 4.8% a year, with a Sharpe ratio of 0.15.
- Its biggest fall from a peak was 11.0% (20 Feb 2020 to 23 Mar 2020).
- Across all 3-year periods since launch, yearly returns ranged from 4.9% to 15.7% and were positive 100% of the time.
- Expense ratio 1.05%, fund size ₹165 crore.
Pros
AI- Every 3-year period since launch gave a positive return (lowest 4.9% a year).
- Long track record of 13.8 years since 8 Jan 2013.
Cons
AI- Small fund size of ₹165 crore.
Pros and cons are generated automatically from the scheme's published figures. They are observations about past data, not a recommendation to invest, switch or redeem.
AI analysis
Plenitude AI reads the figures on this page and explains them in plain language.
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Book a free consultation Compare with other fundsReturns vs benchmark and category
| Returns (%) | 1W | 1M | 3M | 6M | YTD | 1Y | 2Y | 3Y | 5Y | 7Y | 10Y | Since launch |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| This fund | +0.03% | -1.32% | -1.68% | +1.93% | +1.44% | +1.80% | +2.97% | +7.22% | +6.09% | +7.96% | +7.98% | +9.34% |
Point-to-point NAV returns as on 16 Oct 2026; over 1 year, yearly compounded (CAGR). Category: Direct Growth plans in Retirement Funds. Q1 = top quarter by return over that period.
Calendar-year returns
| Year | 2026 YTD | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| This fund | +1.44% | +4.84% | +11.23% | +13.37% | +1.30% | +8.87% | +13.19% | +8.88% | +2.30% | +16.98% | +12.09% |
January to December each year; the current year is to date.
Month-by-month returns (%)
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Year |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -0.9 | 0.2 | -3.7 | 4.5 | 0.7 | 1.9 | 0.8 | 0.8 | -2.5 | -0.3 | |||
| 2025 | -1.6 | -2.4 | 2.6 | 2.1 | 2.0 | 1.4 | -0.8 | -0.9 | 0.5 | 1.5 | 0.6 | -0.1 | 4.9 |
| 2024 | 0.5 | 0.5 | 0.9 | 1.5 | 1.3 | 2.5 | 1.9 | 1.0 | 1.1 | -1.1 | 0.5 | 0.2 | 11.2 |
| 2023 | -0.7 | 0.1 | 0.7 | 1.8 | 2.2 | 1.0 | 1.8 | 0.9 | 0.6 | -0.6 | 2.7 | 2.3 | 13.4 |
| 2022 | -0.8 | -1.2 | 1.0 | -0.5 | -1.4 | -1.1 | 2.8 | 1.9 | -0.6 | 0.9 | 1.0 | -0.6 | 1.3 |
| 2021 | -1.0 | 1.2 | 0.8 | 0.6 | 1.8 | 0.7 | 1.0 | 2.3 | 0.9 | -0.1 | -0.3 | 0.7 | 8.9 |
| 2020 | 1.0 | -0.2 | -5.4 | 4.7 | 0.2 | 2.6 | 2.4 | 0.1 | 1.3 | 1.3 | 2.6 | 2.2 | 13.2 |
| 2019 | -0.9 | 0.5 | 3.3 | -0.1 | 1.4 | 0.6 | -0.9 | 0.3 | 2.1 | 1.9 | 0.6 | -0.1 | 8.9 |
| 2018 | -0.2 | -1.5 | 0.3 | 1.6 | 0.0 | -0.7 | 2.2 | 0.7 | -3.8 | 0.2 | 2.6 | 1.0 | 2.3 |
| 2017 | 2.8 | 1.1 | 1.9 | 2.1 | 0.3 | 1.2 | 2.1 | 1.0 | 0.4 | 1.6 | 0.4 | 1.1 | 17.0 |
Change in NAV from the last business day of one month to the last business day of the next. Positive in 85 of 118 months shown (72%). "Year" is shown for complete calendar years.
Risk and consistency
| Risk measure | 3 years | 5 years |
|---|---|---|
| Volatility (standard deviation) ? | 4.79% | 4.62% |
| Sharpe ratio ? | 0.15 | -0.09 |
| Sortino ratio ? | 0.20 | -0.12 |
| Maximum drawdown | -5.06% | -6.14% |
Rolling 3-year returns (yearly)
Rolling 5-year returns (yearly)
Every 3- and 5-year period since launch, checked weekly. It shows how consistent returns were, whenever someone invested.
How it handled market falls
Biggest falls in this fund's NAV
| Peak | Bottom | Fall | Back to the peak on | Time to recover |
|---|---|---|---|---|
| 20 Feb 2020 | 23 Mar 2020 | -11.0% | 23 Jun 2020 | 3 months |
| 18 Oct 2021 | 17 Jun 2022 | -6.1% | 12 Sep 2022 | 3 months |
| 28 Aug 2018 | 9 Oct 2018 | -5.8% | 19 Dec 2018 | 2 months |
| 20 Oct 2015 | 25 Feb 2016 | -5.3% | 30 Mar 2016 | 34 days |
| 11 Dec 2024 | 3 Mar 2025 | -5.1% | 23 Apr 2025 | 51 days |
Falls of 5% or more from a previous high, deepest first. Time to recover runs from the bottom to the day the NAV regained its old high.
SIP returns: ₹10,000 every month
| SIP for | Invested | Value today | Gain | XIRR |
|---|---|---|---|---|
| 1Y | ₹1,20,000 | ₹1,20,969 | ₹969 | +1.50% |
| 3Y | ₹3,60,000 | ₹3,85,798 | ₹25,798 | +4.54% |
| 5Y | ₹6,00,000 | ₹7,08,008 | ₹1,08,008 | +6.55% |
| 10Y | ₹12,00,000 | ₹17,69,958 | ₹5,69,958 | +7.54% |
A ₹10,000 instalment on the same date every month, valued at the latest NAV. XIRR is the yearly return on those dated instalments. Try the SIP calculator.
What your investment would be worth
Worked out from the scheme's weekly NAVs (instalments on the first NAV of each month), so it can differ slightly from your statement. Past performance may or may not be sustained in future. Plan a future SIP.
Compare with all Retirement Funds (29)
| S.No. | Scheme (Direct plans, Growth) | NAV ₹ | 1M % | 6M % | 1Y % | 3Y % CAGR | 5Y % CAGR | Expense ratio % | Fund size ₹ Cr | Riskometer |
|---|---|---|---|---|---|---|---|---|---|---|
| 1. | Aditya Birla Sun Life Retirement Fund-The 30s PlanAditya Birla Sun Life Mutual Fund | ₹24.6880 | — | — | — | — | — | 1.35 | 465 | Very High Risk |
| 2. | Aditya Birla Sun Life Retirement Fund-The 40s PlanAditya Birla Sun Life Mutual Fund | ₹20.8620 | — | — | — | — | — | 1.12 | 110 | Very High Risk |
| 3. | Aditya Birla Sun Life Retirement Fund-The 50s PlanAditya Birla Sun Life Mutual Fund | ₹16.5132 | — | — | — | — | — | 0.63 | 27 | Moderate Risk |
| 4. | Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt PlanAditya Birla Sun Life Mutual Fund | ₹14.8694 | — | — | — | — | — | 0.92 | 14 | Moderate Risk |
| 5. | Axis Retirement Fund - Aggressive PlanAxis Mutual Fund | ₹19.7600 | — | — | — | — | — | 1.25 | 666 | High Risk |
| 6. | Axis Retirement Fund - Conservative PlanAxis Mutual Fund | ₹17.1899 | — | — | — | — | — | 1.25 | 45 | High Risk |
| 7. | Axis Retirement Fund - Dynamic PlanAxis Mutual Fund | ₹21.1000 | — | — | — | — | — | 1.35 | 269 | High Risk |
| 8. | BANDHAN RETIREMENT FUNDBandhan Mutual Fund | ₹12.9280 | — | — | — | — | — | 0.96 | 174 | Moderately High Risk |
| 9. | Baroda BNP Paribas Retirement FundBaroda BNP Paribas Mutual Fund | ₹11.6795 | — | — | — | — | — | 1.04 | 387 | Very High Risk |
| 10. | Franklin India Retirement FundFranklin Templeton Mutual Fund | ₹237.2876 | — | — | — | — | — | 1.53 | 479 | Moderately High Risk |
| 11. | HDFC Retirement Fund - Equity PlanHDFC Mutual Fund | ₹54.3070 | — | — | — | — | — | 0.89 | 6,645 | Very High Risk |
| 12. | HDFC Retirement Fund - Hybrid-Debt PlanHDFC Mutual Fund | ₹24.5372 | — | — | — | — | — | 1.35 | 143 | Moderately High Risk |
| 13. | HDFC Retirement Fund - Hybrid-Equity PlanHDFC Mutual Fund | ₹41.5850 | — | — | — | — | — | 1.10 | 1,530 | Very High Risk |
| 14. | ICICI Prudential Retirement Fund Hybrid Aggressive PlanICICI Prudential Mutual Fund | ₹30.1200 | — | — | — | — | — | 1.18 | 1,268 | Very High Risk |
| 15. | ICICI Prudential Retirement Fund Hybrid Conservative PlanICICI Prudential Mutual Fund | ₹19.8733 | — | — | — | — | — | 1.06 | 95 | Moderately High Risk |
| 16. | ICICI Prudential Retirement Fund Pure Debt PlanICICI Prudential Mutual Fund | ₹17.1091 | — | — | — | — | — | 1.22 | 79 | Moderately High Risk |
| 17. | ICICI Prudential Retirement Fund Pure Equity PlanICICI Prudential Mutual Fund | ₹37.6800 | — | — | — | — | — | 0.87 | 2,106 | Very High Risk |
| 18. | Nippon India Retirement Fund- Income Generation SchemeNippon India Mutual Fund | ₹22.9057 | — | — | — | — | — | 0.98 | 138 | Moderately High Risk |
| 19. | Nippon India Retirement Fund- Wealth Creation SchemeNippon India Mutual Fund | ₹31.2856 | — | — | — | — | — | 1.28 | 2,939 | Very High Risk |
| 20. | PGIM India Retirement FundPGIM India Mutual Fund | ₹12.3600 | — | — | — | — | — | 1.13 | 104 | Very High Risk |
| 21. | SBI Retirement Benefit Fund - Aggressive Hybrid PlanSBI Mutual Fund | ₹20.1227 | — | — | — | — | — | 1.19 | 1,587 | Very High Risk |
| 22. | SBI Retirement Benefit Fund - Aggressive PlanSBI Mutual Fund | ₹20.8321 | — | — | — | — | — | 1.11 | 3,066 | Very High Risk |
| 23. | SBI Retirement Benefit Fund - Conservative Hybrid PlanSBI Mutual Fund | ₹16.0906 | — | — | — | — | — | 1.24 | 248 | Moderately High Risk |
| 24. | SBI Retirement Benefit Fund - Conservative PlanSBI Mutual Fund | ₹14.8869 | — | — | — | — | — | 0.97 | 138 | Moderately High Risk |
| 25. | Tata Retirement Savings Fund-Conservative PlanTata Mutual Fund | ₹38.2078 | — | — | — | — | — | 1.05 | 165 | Moderately High Risk |
| 26. | Tata Retirement Savings Fund-Moderate PlanTata Mutual Fund | ₹78.8723 | — | — | — | — | — | 0.83 | 2,115 | Very High Risk |
| 27. | Tata Retirement Savings Fund-Progressive PlanTata Mutual Fund | ₹81.1626 | — | — | — | — | — | 0.82 | 2,104 | Very High Risk |
| 28. | Union Retirement FundUnion Mutual Fund | ₹16.7500 | — | — | — | — | — | 1.39 | 207 | Very High Risk |
| 29. | UTI Retirement FundUTI Mutual Fund | ₹53.8849 | — | — | — | — | — | — | — | — |
| Median: 29 schemes | — | — | — | — | — | — | 1.12 | 259 | — |
Detailed comparison with another fund About Retirement Funds
Sorted by 3-year return; tap a heading to sort. Expense ratio and fund size are from published scheme data ("—" = not available yet). Sorting by past returns is a way to explore data, not a ranking of which fund to choose.
Scheme details
- Investment objective
- To provide a financial planning tool for long term financial security for investors based on their retirement planning goals.
- Fund managers
- Murthy Nagarajan, Amit Somani, Sonam Udasi
- Fund house
- Tata Mutual Fund
- Category
- Retirement Funds · Solution oriented
- Plan / option
- Direct · Growth
- AMFI scheme code
- 119256
- ISIN
- INF277K01QM5
- Scheme documents
- SID, KIM and factsheets (fund house website) · exit load and full portfolio are in these documents.
About Retirement Funds
Retirement Funds are designed for retirement saving, with a lock-in of 5 years or until retirement age, whichever is earlier.
Generally used by long-term retirement saving.
Other plans of this scheme
Tax on your gains
Likely tax treatment: Equity-oriented fund
- Held 12 months or less: short-term gain taxed at 20%.
- Held over 12 months: long-term gain taxed at 12.5% on gains above ₹1.25 lakh a year (the ₹1.25 lakh exemption covers all your equity funds and shares together).
- Dividends (IDCW option) are added to your income and taxed at your slab rate; the fund deducts 10% TDS when they exceed ₹10,000 in a year.
- Switching from one scheme or plan to another counts as selling and buying.
- Surcharge and 4% health and education cess apply on top of these rates.
| Fund type | Short-term | Long-term |
|---|---|---|
| Equity-oriented | 20% (up to 12 months) | 12.5% above ₹1.25 lakh |
| Debt-oriented (bought from Apr 2023) | Slab rate | Slab rate |
| Gold, international, other hybrid | Slab rate | 12.5% (after 12 or 24 months) |
This scheme has a lock-in of 0 years. Exit load, if any, is set out in the scheme's KIM (scheme documents). Tax rules change from time to time and depend on your situation; please confirm with your tax adviser. This is general information, not tax advice.
Fund managers
From the scheme details published by the fund house. "Also manages" lists schemes we have on record and grows as more schemes are viewed.
Latest news: Tata Mutual Fund
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- Tata debt fund NAV delayed on AMFI website: What investors should knowCNBC TV18 · 29 Sep
- Fund performance in focus as Tata AMC looks to add AI investment talentBusiness Standard · 24 Sep
Headlines from Google News about this fund house and its schemes over the last 30 days. Lists of "best funds" and buy or sell calls are left out. Links open the publisher's site.
Questions about this scheme
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What are Retirement Funds?
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