Tata Retirement Savings Fund-Conservative Plan Overview
Category Retirement Fund
BMSMONEY Rank 21
BMSMONEY Rating
Gro. Opt. As On: 29-01-2025
NAV ₹30.2(R) +0.45% ₹35.17(D) +0.45%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 7.23% 6.76% 7.5% 6.68% 7.55%
LumpSum (D) 8.54% 8.03% 8.78% 8.0% 8.95%
SIP (R) -13.46% 6.32% 6.95% 6.38% 6.62%
SIP (D) -12.43% 7.61% 8.24% 7.65% 7.95%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.04 0.03 0.48 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
4.18% -4.47% -4.82% - 2.98%
Top Retirement Fund
Fund Name Rank Rating
Icici Prudential Retirement Fund - Pure Equity Plan 1
Icici Prudential Retirement Fund - Hybrid Aggressive Plan 2
Hdfc Retirement Savings Fund - Equity Plan 3
Tata Retirement Savings Fund-Moderate Plan 4
Tata Retirement Savings Fund-Progressive Plan 5
Nippon India Retirement Fund - Wealth Creation Scheme 6

NAV Date: 29-01-2025

Scheme Name NAV Rupee Change Percent Change
Tata Retirement Savings Fund- Conservative Plan-Regular Plan-Growth Option 30.2
0.1300
0.4500%
Tata Retirement Savings Fund- Conservative Plan-Direct Plan-Growth Option 35.17
0.1600
0.4500%

Review Date: 29-01-2025

Tata Retirement Savings Fund-Conservative Plan has exhibited poor performance in the Retirement Fund category. The fund has rank of 21 out of 25 funds in the category. The fund has delivered return of 7.23% in 1 year, 6.76% in 3 years, 7.5% in 5 years and 7.55% in 10 years. The category average for the same periods is 9.72%, 10.52%, 11.46% and 9.56% respectively, which shows poor return performance of fund in the category. The fund has exhibited standard deviation of 4.18, VaR of -4.47, Average Drawdown of -2.07, Semi Deviation of 2.98 and Max Drawdown of -4.82. The category average for the same parameters is 7.95, -8.96, -3.54, 5.55 and -7.43 respectively. The fund has very low risk in the category.

Key Points:

  1. An investment of ₹10,000 in Tata Retirement Savings Fund-Conservative Plan direct growth option would have grown to ₹10854.0 in 1 year, ₹12608.0 in 3 years and ₹15235.0 in 5 years as of today (29-01-2025).
  2. An SIP of ₹1,000 per month in Tata Retirement Savings Fund-Conservative Plan direct growth option would have grown to ₹11174.0 in 1 year, ₹40402.0 in 3 years and ₹73874.0 in 5 years as of today (29-01-2025).
  3. standard deviation of 4.18 and based on VaR one can expect to lose more than -4.47% of current value of fund in one year.
  4. Sharpe ratio of the fund is 0.04 which shows average performance of fund in the retirement fund category.


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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % -2.07 -4.91
-3.26
-8.16 | 0.61 11 | 29 Good
3M Return % -1.43 -6.67
-3.35
-8.02 | 1.52 10 | 29 Good
6M Return % -1.07 -8.83
-3.37
-9.51 | 3.27 11 | 29 Good
1Y Return % 7.23 8.83
9.72
6.22 | 15.79 25 | 27 Poor
3Y Return % 6.76 13.65
10.52
4.32 | 18.21 22 | 25 Poor
5Y Return % 7.50 17.46
11.46
4.11 | 21.64 18 | 21 Average
7Y Return % 6.68 12.89
9.42
6.68 | 14.92 10 | 10 Poor
10Y Return % 7.55 12.58
9.56
7.55 | 12.03 5 | 5 Average
1Y SIP Return % -13.46
-4.95
-13.46 | 5.51 27 | 27 Poor
3Y SIP Return % 6.32
11.74
3.68 | 22.41 22 | 25 Poor
5Y SIP Return % 6.95
12.33
3.82 | 24.88 18 | 21 Average
7Y SIP Return % 6.38
11.88
6.38 | 20.05 10 | 10 Poor
10Y SIP Return % 6.62
10.00
6.62 | 13.06 5 | 5 Average
Standard Deviation 4.18
7.95
1.17 | 13.76 6 | 25 Very Good
Semi Deviation 2.98
5.55
0.94 | 9.72 6 | 25 Very Good
Max Drawdown % -4.82
-7.43
-16.28 | -0.64 9 | 25 Good
VaR 1 Y % -4.47
-8.96
-17.51 | -0.28 6 | 25 Very Good
Average Drawdown % -2.07
-3.54
-7.99 | -0.53 10 | 25 Good
Sharpe Ratio 0.04
0.32
-1.67 | 1.01 21 | 25 Average
Sterling Ratio 0.48
0.64
0.34 | 1.05 21 | 25 Average
Sortino Ratio 0.03
0.19
-0.46 | 0.54 21 | 25 Average
Return data last Updated On : Jan. 29, 2025.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2024
KPIs: Key Performance Indicators

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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % -1.97 -4.91 -3.16 -8.05 | 0.71 11 | 29
3M Return % -1.13 -6.67 -3.06 -7.73 | 1.77 10 | 29
6M Return % -0.47 -8.83 -2.79 -9.07 | 3.79 11 | 29
1Y Return % 8.54 8.83 10.99 7.47 | 17.38 24 | 27
3Y Return % 8.03 13.65 11.82 5.60 | 19.86 22 | 25
5Y Return % 8.78 17.46 12.91 5.44 | 23.38 18 | 21
7Y Return % 8.00 12.89 10.69 8.00 | 16.38 10 | 10
10Y Return % 8.95 12.58 10.80 8.58 | 13.74 4 | 5
1Y SIP Return % -12.43 -3.83 -12.92 | 6.20 26 | 27
3Y SIP Return % 7.61 13.06 4.95 | 24.15 22 | 25
5Y SIP Return % 8.24 13.77 5.12 | 26.66 18 | 21
7Y SIP Return % 7.65 13.14 7.65 | 21.49 10 | 10
10Y SIP Return % 7.95 11.21 7.95 | 14.75 5 | 5
Standard Deviation 4.18 7.95 1.17 | 13.76 6 | 25
Semi Deviation 2.98 5.55 0.94 | 9.72 6 | 25
Max Drawdown % -4.82 -7.43 -16.28 | -0.64 9 | 25
VaR 1 Y % -4.47 -8.96 -17.51 | -0.28 6 | 25
Average Drawdown % -2.07 -3.54 -7.99 | -0.53 10 | 25
Sharpe Ratio 0.04 0.32 -1.67 | 1.01 21 | 25
Sterling Ratio 0.48 0.64 0.34 | 1.05 21 | 25
Sortino Ratio 0.03 0.19 -0.46 | 0.54 21 | 25
Return data last Updated On : Jan. 29, 2025.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2024
KPIs: Key Performance Indicators

Investment Period Regular Direct
Return % Current Value of ₹ 10000 Return % Current Value of ₹ 10000
1D 0.45 ₹ 10,045.00 0.45 ₹ 10,045.00
1W -0.46 ₹ 9,954.00 -0.43 ₹ 9,957.00
1M -2.07 ₹ 9,793.00 -1.97 ₹ 9,803.00
3M -1.43 ₹ 9,857.00 -1.13 ₹ 9,887.00
6M -1.07 ₹ 9,893.00 -0.47 ₹ 9,953.00
1Y 7.23 ₹ 10,723.00 8.54 ₹ 10,854.00
3Y 6.76 ₹ 12,169.00 8.03 ₹ 12,608.00
5Y 7.50 ₹ 14,356.00 8.78 ₹ 15,235.00
7Y 6.68 ₹ 15,724.00 8.00 ₹ 17,133.00
10Y 7.55 ₹ 20,713.00 8.95 ₹ 23,568.00
15Y ₹ ₹

Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.

Investment Period Invested Amount Regular Direct
XIRR % Current Value of Invested Amount XIRR % Current Value of Invested Amount
1Y ₹ 12000 -13.46 ₹ 11,104.13 -12.43 ₹ 11,174.50
3Y ₹ 36000 6.32 ₹ 39,626.82 7.61 ₹ 40,401.72
5Y ₹ 60000 6.95 ₹ 71,520.00 8.24 ₹ 73,874.28
7Y ₹ 84000 6.38 ₹ 105,423.44 7.65 ₹ 110,291.33
10Y ₹ 120000 6.62 ₹ 168,653.28 7.95 ₹ 180,867.36
15Y ₹ 180000 ₹ ₹


Date Tata Retirement Savings Fund-Conservative Plan NAV Regular Growth Tata Retirement Savings Fund-Conservative Plan NAV Direct Growth
29-01-2025 30.2009 35.1661
28-01-2025 30.0663 35.0082
27-01-2025 30.1365 35.0888
24-01-2025 30.3298 35.3103
23-01-2025 30.4442 35.4423
22-01-2025 30.3396 35.3195
21-01-2025 30.4212 35.4132
20-01-2025 30.5872 35.6052
17-01-2025 30.5697 35.5814
16-01-2025 30.5595 35.5683
15-01-2025 30.4737 35.4674
14-01-2025 30.3701 35.3456
13-01-2025 30.2935 35.2552
10-01-2025 30.5832 35.5889
09-01-2025 30.681 35.7015
08-01-2025 30.7734 35.8079
07-01-2025 30.8657 35.914
06-01-2025 30.8008 35.8373
03-01-2025 31.0107 36.0779
02-01-2025 31.0542 36.1273
01-01-2025 30.9388 35.9919
31-12-2024 30.8835 35.9264
30-12-2024 30.8378 35.8721

Fund Launch Date: 01/Jan/2013
Fund Category: Retirement Fund
Investment Objective: The objective of the Fund is to provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends.
Fund Description: A) Invests upto 30% of portfolio in equity b) Ideal during last couple of years from retirement and post retirement to save accumulated retirement corpus c) Retirement solution oriented scheme having a lock-in of 5 years or till retirement age ie 60 years (whichever is earlier)
Fund Benchmark: CRISIL Short Term Debt Hybrid 75 + 25 Fund Index
Source: Fund FactSheet

Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.