Tata Retirement Savings Fund-Moderate Plan Overview
Category Retirement Fund
BMSMONEY Rank 5
BMSMONEY Rating
Gro. Opt. As On: 20-12-2024
NAV ₹64.24(R) -1.56% ₹75.88(D) -1.56%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 22.65% 15.34% 15.18% 11.59% 13.14%
LumpSum (D) 24.39% 17.0% 16.85% 13.2% 14.72%
SIP (R) -31.16% 15.6% 16.44% 14.91% 13.88%
SIP (D) -30.08% 17.34% 18.16% 16.56% 15.46%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.66 0.34 0.67 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
10.23% -11.43% -11.08% - 7.09%
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
Nippon India Retirement Fund - Wealth Creation Scheme 4
Tata Retirement Savings Fund-Moderate Plan 5
Tata Retirement Savings Fund-Progressive Plan 6

NAV Date: 20-12-2024

Scheme Name NAV Rupee Change Percent Change
Tata Retirement Savings Fund- Moderate Plan-Regular Plan-Growth Option 64.24
-1.0200
-1.5600%
Tata Retirement Savings Fund- Moderate Plan -Direct Plan-Growth Option 75.88
-1.2000
-1.5600%

Review Date: 20-12-2024

Tata Retirement Savings Fund-Moderate Plan has exhibited very good performance in the Retirement Fund category. The fund has rank of 5 out of 25 funds in the category. The fund has delivered return of 22.65% in 1 year, 15.34% in 3 years, 15.18% in 5 years and 13.14% in 10 years. The category average for the same periods is 16.74%, 12.31%, 12.6% and 10.7% respectively, which shows good return performance of fund in the category. The fund has exhibited standard deviation of 10.23, VaR of -11.43, Average Drawdown of -4.36, Semi Deviation of 7.09 and Max Drawdown of -11.08. The category average for the same parameters is 7.85, -8.9, -3.26, 5.5 and -6.98 respectively. The fund has average risk in the category.

Key Points:

  1. An investment of ₹10,000 in Tata Retirement Savings Fund-Moderate Plan direct growth option would have grown to ₹12439.0 in 1 year, ₹16016.0 in 3 years and ₹21787.0 in 5 years as of today (20-12-2024).
  2. An SIP of ₹1,000 per month in Tata Retirement Savings Fund-Moderate Plan direct growth option would have grown to ₹9940.0 in 1 year, ₹46517.0 in 3 years and ₹94413.0 in 5 years as of today (20-12-2024).
  3. standard deviation of 10.23 and based on VaR one can expect to lose more than -11.43% of current value of fund in one year.
  4. Sharpe ratio of the fund is 0.66 which shows good 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 % 4.17
1.83
0.29 | 5.59 2 | 29 Very Good
3M Return % -2.52
-3.19
-7.60 | 1.36 14 | 29 Good
6M Return % 5.77
3.03
-2.50 | 6.36 4 | 29 Very Good
1Y Return % 22.65
16.74
6.09 | 29.67 6 | 27 Very Good
3Y Return % 15.34
12.31
3.97 | 22.14 8 | 25 Good
5Y Return % 15.18
12.60
4.08 | 23.44 7 | 18 Good
7Y Return % 11.59
10.32
7.06 | 16.22 4 | 10 Good
10Y Return % 13.14
10.70
8.14 | 14.07 2 | 5 Very Good
1Y SIP Return % -31.16
-36.11
-39.30 | -30.01 2 | 27 Very Good
3Y SIP Return % 15.60
10.41
-0.16 | 22.72 6 | 25 Very Good
5Y SIP Return % 16.44
12.97
2.45 | 26.40 7 | 18 Good
7Y SIP Return % 14.91
12.90
7.37 | 21.23 5 | 10 Good
10Y SIP Return % 13.88
11.24
7.75 | 15.22 2 | 5 Very Good
Standard Deviation 10.23
7.85
1.23 | 13.56 16 | 25 Average
Semi Deviation 7.09
5.50
0.98 | 9.65 16 | 25 Average
Max Drawdown % -11.08
-6.98
-15.04 | -0.64 21 | 25 Average
VaR 1 Y % -11.43
-8.90
-17.51 | -0.93 15 | 25 Average
Average Drawdown % -4.36
-3.26
-7.29 | -0.64 17 | 25 Average
Sharpe Ratio 0.66
0.39
-1.71 | 1.13 9 | 25 Good
Sterling Ratio 0.67
0.69
0.33 | 1.18 12 | 25 Good
Sortino Ratio 0.34
0.23
-0.47 | 0.61 9 | 25 Good
Return data last Updated On : Dec. 20, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Nov. 29, 2024
KPIs: Key Performance Indicators

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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % 4.29 1.92 0.37 | 5.71 2 | 29
3M Return % -2.18 -2.90 -7.35 | 1.61 13 | 29
6M Return % 6.52 3.65 -1.95 | 7.05 5 | 29
1Y Return % 24.39 18.10 7.34 | 31.57 6 | 27
3Y Return % 17.00 13.64 5.25 | 23.89 7 | 25
5Y Return % 16.85 14.02 5.41 | 24.94 7 | 18
7Y Return % 13.20 11.59 8.34 | 17.71 4 | 10
10Y Return % 14.72 11.95 9.37 | 15.82 2 | 5
1Y SIP Return % -30.08 -35.27 -38.52 | -28.86 2 | 27
3Y SIP Return % 17.34 11.78 1.14 | 24.56 6 | 25
5Y SIP Return % 18.16 14.39 3.78 | 28.25 7 | 18
7Y SIP Return % 16.56 14.19 8.60 | 22.69 5 | 10
10Y SIP Return % 15.46 12.49 9.12 | 16.94 2 | 5
Standard Deviation 10.23 7.85 1.23 | 13.56 16 | 25
Semi Deviation 7.09 5.50 0.98 | 9.65 16 | 25
Max Drawdown % -11.08 -6.98 -15.04 | -0.64 21 | 25
VaR 1 Y % -11.43 -8.90 -17.51 | -0.93 15 | 25
Average Drawdown % -4.36 -3.26 -7.29 | -0.64 17 | 25
Sharpe Ratio 0.66 0.39 -1.71 | 1.13 9 | 25
Sterling Ratio 0.67 0.69 0.33 | 1.18 12 | 25
Sortino Ratio 0.34 0.23 -0.47 | 0.61 9 | 25
Return data last Updated On : Dec. 20, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Nov. 29, 2024
KPIs: Key Performance Indicators

Investment Period Regular Direct
Return % Current Value of ₹ 10000 Return % Current Value of ₹ 10000
1D -1.56 ₹ 9,844.00 -1.56 ₹ 9,844.00
1W -2.35 ₹ 9,765.00 -2.32 ₹ 9,768.00
1M 4.17 ₹ 10,417.00 4.29 ₹ 10,429.00
3M -2.52 ₹ 9,748.00 -2.18 ₹ 9,782.00
6M 5.77 ₹ 10,577.00 6.52 ₹ 10,652.00
1Y 22.65 ₹ 12,265.00 24.39 ₹ 12,439.00
3Y 15.34 ₹ 15,346.00 17.00 ₹ 16,016.00
5Y 15.18 ₹ 20,268.00 16.85 ₹ 21,787.00
7Y 11.59 ₹ 21,553.00 13.20 ₹ 23,814.00
10Y 13.14 ₹ 34,378.00 14.72 ₹ 39,478.00
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 -31.16 ₹ 9,860.77 -30.08 ₹ 9,939.71
3Y ₹ 36000 15.60 ₹ 45,381.13 17.34 ₹ 46,516.61
5Y ₹ 60000 16.44 ₹ 90,524.16 18.16 ₹ 94,413.06
7Y ₹ 84000 14.91 ₹ 142,940.62 16.56 ₹ 151,627.48
10Y ₹ 120000 13.88 ₹ 247,783.92 15.46 ₹ 269,763.00
15Y ₹ 180000 ₹ ₹


Date Tata Retirement Savings Fund-Moderate Plan NAV Regular Growth Tata Retirement Savings Fund-Moderate Plan NAV Direct Growth
20-12-2024 64.2371 75.8835
19-12-2024 65.2566 77.085
18-12-2024 65.3816 77.2297
17-12-2024 65.6405 77.5325
16-12-2024 65.9827 77.9337
13-12-2024 65.7834 77.6894
12-12-2024 65.741 77.6363
11-12-2024 65.9686 77.9021
10-12-2024 65.6825 77.5612
09-12-2024 65.538 77.3876
06-12-2024 65.4827 77.3134
05-12-2024 65.29 77.083
04-12-2024 64.7603 76.4546
03-12-2024 64.6486 76.3199
02-12-2024 64.4265 76.0548
29-11-2024 64.1365 75.7037
28-11-2024 63.8903 75.4102
27-11-2024 63.8746 75.3887
26-11-2024 63.3815 74.8039
25-11-2024 63.179 74.562
22-11-2024 62.3296 73.5511
21-11-2024 61.6645 72.7635

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 between 65-85% of portfolio in equity. b) Ideal for middle aged and moderate risk profile investors with medium to long term investment horizon. c) Ideal for moderate risk profile investors who have 10 to 15yrs to retire. d) Retirement solution oriented scheme having a lock-in of 5 years or till retirement age ie 60 years (whichever is earlier)
Fund Benchmark: CRISIL Hybrid 25 + 75 Fund Aggressive Index
Source: Fund FactSheet

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