← Back to the fund page Use your browser's print dialog and choose “Save as PDF”. A4, two pages.
InvestVerdict

Tata Retirement Savings Fund-Moderate Plan

Direct Plan · Growth Option · Retirement Funds · Scheme code 119255

NAV₹83.7541as on 28 Aug 2026
Fund houseTata Mutual Fund
CategoryRetirement Funds
Plan & optionDirect · Growth Option
History13.6 years

Returns (%)

 1M3M6M1Y3Y5Y7Y10YLaunch
This scheme 2.276.1611.63 11.4014.0512.12 15.0813.4415.21
Nifty 100
benchmark		 0.253.49-1.52 1.8410.529.38 ——12.79
Retirement Funds
category median		 ——— 4.709.919.47 —10.66—

Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published NAV history for this scheme.

Risk

 VolatilitySharpeSortinoBetaAlphaMax fallR²
This scheme 12.7% 0.59 0.82 0.76 2.90% -29.6% 86.52
Nifty 100
benchmark		 17.1%0.23 0.32—— -37.0%—

Risk-free rate 6.5%. Beta, alpha and R² are regressed on the 82 months this scheme and its benchmark share.

Growth of ₹100 since launch

432755077392014201620182020202220242026InvestVerdict

Drawdown from peak (%)

0%-9%-18%-28%2014201620182020202220242026

Every one-year period it has lived through

WindowsWorstMedianBestPeriods that lost money
622 -15.5% 13.8% 74.8% 12%

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.

InvestVerdict

Tata Retirement Savings Fund-Moderate Plan

Direct Plan · Growth Option

Allocation

By asset

Equity82.26%
Debt14.59%
Cash & Equivalents1.82%

By market cap

Concentration

Number of stocks68
Top 5 stocks18.52%
Top 10 stocks30.71%
Top 20 stocks49.20%
Largest holding4.43%
Largest sectorSOV 10.23%
Effective stocks52.4
Cash2.68%
InvestVerdict

Tata Retirement Savings Fund-Moderate Plan

Direct Plan · Growth Option · holdings

Top 18 holdings

#CompanySector% of fund
1— Chemicals & Petrochemicals4.64%
2— Banks4.32%
3— Petroleum Products3.42%
4— SOV3.21%
5— Capital Markets3.04%
6— Retailing2.80%
7— Beverages2.77%
8— Industrial Products2.74%
9— Capital Markets2.70%
10— Industrial Products2.47%
11— Capital Markets2.45%
12— Transport Infrastructure2.02%
13— Capital Markets2.00%
14— Consumer Durables2.00%
15— Financial Technology (Fintech)1.89%
16— Agricultural Food & other Products1.85%
17— Banks1.84%
18— Unclassified1.82%

Sector split

Capital Markets — 11.7%SOV — 10.5%Banks — 8.8%Industrial Products — 5.9%Chemicals & Petrochemicals — 4.6%Consumer Durables — 4.3%CRISIL-AAA — 3.9%Beverages — 3.7%Finance — 3.6%Other — 41.8%Capital Markets11.7%SOV10.5%Banks8.8%Industrial Products5.9%Chemicals & Petrochemicals4.6%Consumer Durables4.3%CRISIL-AAA3.9%Beverages3.7%Finance3.6%Other41.8%
Capital Markets11.69%
SOV10.45%
Banks8.80%
Industrial Products5.92%
Chemicals & Petrochemicals4.64%
Consumer Durables4.27%
CRISIL-AAA3.91%
Beverages3.67%
Finance3.55%
Petroleum Products3.42%

A ₹10,000 monthly SIP over five years

InvestedValueGainXIRR
₹600,000 ₹840,572 ₹240,572 13.46%

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 1 Sep 2026.