Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published
NAV history for this scheme.
Risk
Volatility
Sharpe
Sortino
Beta
Alpha
Max fall
R²
This scheme
13.8%
0.43
0.67
0.87
2.26%
-29.7%
82.08
Nifty 100 benchmark
14.4%
0.28
0.40
—
—
-37.0%
—
Risk-free rate 6.5%. Beta, alpha and R² are regressed on the
36 months this scheme and its benchmark share.
Growth of ₹100 since launch
Drawdown from peak (%)
Every one-year period it has lived through
Windows
Worst
Median
Best
Periods that lost money
3,398
-23.7%
11.7%
74.4%
17%
Every one-year holding period in this scheme's history, not just the last one — the
spread a real investor would have met depending only on when they started.
How it behaves against its benchmark
Up capture
Down capture
Correlation
Tracking error
Information ratio
Treynor
94%
78%
0.91
6.1%
0.28
6.70
Up capture is how much of the benchmark's gain this scheme kept in the months the
benchmark rose; down capture, how much of its fall it took. Below 100 on the down side and above it
on the up side is the combination every fund is trying for and few reach.
Measured over the 36 months this scheme and
Nifty 100 share.
Tata Retirement Savings Fund-Moderate Plan
Regular Plan · Growth Option
Allocation
By asset
Equity
79.08%
Debt
14.06%
Cash & Equivalents
6.86%
By market cap
Large Cap
90.00%
Mid Cap
36.55%
Small Cap
34.50%
Unclassified
30.51%
Concentration
Number of stocks
66
Top 5 stocks
18.96%
Top 10 stocks
29.64%
Top 20 stocks
47.26%
Lines in the filing
69
Largest holding
4.74%
Largest sector
Capital Markets 9.90%
Effective stocks
55.2
Sectors held
30
Cash
6.86%
Effective stocks is what the concentration works out to: a fund holding
66 names but most of its money in a few
behaves like a fund of 55. Cash includes repo and TREPS, which
every fund parks money in overnight.
Sector split
Capital Markets
9.90%
SOV
9.40%
Banks
9.06%
Cash & Equivalents
6.86%
Chemicals & Petrochemicals
4.74%
Industrial Products
4.11%
Retailing
3.49%
Beverages
3.45%
Consumer Durables
3.26%
CRISIL-AAA
3.25%
Auto Components
3.23%
Petroleum Products
3.23%
Food Products
3.12%
Financial Technology (Fintech)
2.98%
Healthcare Services
2.88%
Finance
2.79%
IT - Software
2.72%
Pharmaceuticals & Biotechnology
2.21%
Transport Infrastructure
2.07%
Electrical Equipment
2.03%
Tata Retirement Savings Fund-Moderate Plan
Regular Plan · Growth Option · holdings
Top 30 holdings
#
Company
Sector
Shares held
Value ₹ cr
% of fund
1
SOLAR INDUSTRIES INDIA LTD
Chemicals & Petrochemicals
50,850
100
4.74%
2
ICICI BANK LTD
Banks
684,000
90
4.27%
3
I) REPO
Unclassified
—
84
3.95%
4
ETERNAL LTD
Retailing
2,304,000
74
3.49%
5
RELIANCE INDUSTRIES LTD
Petroleum Products
576,000
68
3.23%
6
MULTI COMMODITY EXCHANGE OF IND LTD
Capital Markets
207,000
68
3.23%
7
CASH / NET CURRENT ASSET
Unclassified
—
62
2.91%
8
RADICO KHAITAN LTD
Beverages
126,000
55
2.60%
9
GOI - 6.36% (16/02/2031)
SOV
4,500,000
44
2.09%
10
ADANI PORTS AND SPECIAL ECONOMIC ZONE LTD
Transport Infrastructure
243,000
44
2.07%
11
360 ONE WAM LTD
Capital Markets
405,000
42
1.97%
12
KIRLOSKAR PNEUMATIC COMPANY LTD
Industrial Products
609,786
41
1.95%
13
KARUR VYSYA BANK LTD
Banks
1,260,000
41
1.93%
14
KOTAK MAHINDRA BANK LTD
Banks
963,000
40
1.90%
15
EXIDE INDUSTRIES LTD
Auto Components
927,000
38
1.81%
16
GOI - 6.94% (11/05/2036)
SOV
3,800,000
37
1.77%
17
COAL INDIA LTD
Consumable Fuels
873,000
37
1.75%
18
RAINBOW CHILDRENS MEDICARE LTD
Healthcare Services
278,100
37
1.73%
19
ONE 97 COMMUNICATIONS LTD
Financial Technology (Fintech)
216,000
36
1.71%
20
SUN PHARMACEUTICAL INDUSTRIES LTD
Pharmaceuticals & Biotechnology
198,000
36
1.70%
21
TATA CONSUMER PRODUCTS LTD
Agricultural Food & other Products
374,000
36
1.68%
22
TITAN COMPANY LTD
Consumer Durables
75,600
35
1.64%
23
DIXON TECHNOLOGIES (INDIA) LTD
Consumer Durables
26,100
34
1.62%
24
NIPPON LIFE INDIA ASSET MANAGEMENT LTD
Capital Markets
315,000
34
1.59%
25
BSE LTD
Capital Markets
108,000
33
1.58%
26
BILLIONBRAINS GARAGE VENTURES LTD (GROWW)
Capital Markets
1,755,000
32
1.53%
27
POLYCAB INDIA LTD
Industrial Products
39,030
31
1.48%
28
DOMS INDUSTRIES LTD
Household Products
146,250
31
1.46%
29
NESTLE INDIA LTD
Food Products
234,000
31
1.45%
30
OIL INDIA LTD
Oil
680,351
31
1.44%
Tata Retirement Savings Fund-Moderate Plan
Regular Plan · Growth Option · where the money sits
A ₹10,000 monthly SIP over five years
Invested
Value
Gain
XIRR
₹600,000
₹808,270
₹208,270
11.88%
XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has
been invested for a different length of time.
Not investment advice. InvestVerdict is not a SEBI-registered Investment
Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the
portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past
returns do not predict future ones. Generated 30 Oct 2026.
