Tata Retirement Savings Fund-Progressive Plan Overview
Category Retirement Fund
BMSMONEY Rank 5
BMSMONEY Rating
Gro. Opt. As On: 20-01-2025
NAV ₹64.14(R) +0.07% ₹77.33(D) +0.08%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 18.4% 13.33% 15.18% 11.38% 13.02%
LumpSum (D) 20.15% 15.04% 16.95% 13.09% 14.76%
SIP (R) -21.17% 16.88% 17.02% 15.4% 14.48%
SIP (D) -19.86% 18.7% 18.82% 17.16% 16.19%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.56 0.29 0.57 2.61% 0.08
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
12.28% -15.89% -14.82% 0.82 8.61%
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: 20-01-2025

Scheme Name NAV Rupee Change Percent Change
Tata Retirement Savings Fund - Progressive Plan -Regular Plan-Growth Option 64.14
0.0500
0.0700%
Tata Retirement Savings Fund- Progressive Plan -Direct Plan-Growth Option 77.33
0.0600
0.0800%

Review Date: 20-01-2025

Tata Retirement Savings Fund-Progressive Plan has shown 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 18.4% in 1 year, 13.33% in 3 years, 15.18% in 5 years and 13.02% in 10 years. The category average for the same periods is 11.64%, 10.5%, 11.9% and 10.05% respectively, which shows very good return performance of fund in the category. The fund has exhibited standard deviation of 12.28, VaR of -15.89, Average Drawdown of -5.4, Semi Deviation of 8.61 and Max Drawdown of -14.82. The category average for the same parameters is 7.95, -8.96, -3.54, 5.55 and -7.43 respectively. The fund has high risk in the category.

Key Points:

  1. An investment of ₹10,000 in Tata Retirement Savings Fund-Progressive Plan direct growth option would have grown to ₹12015.0 in 1 year, ₹15225.0 in 3 years and ₹21875.0 in 5 years as of today (20-01-2025).
  2. An SIP of ₹1,000 per month in Tata Retirement Savings Fund-Progressive Plan direct growth option would have grown to ₹10664.0 in 1 year, ₹47433.0 in 3 years and ₹95979.0 in 5 years as of today (20-01-2025).
  3. standard deviation of 12.28 and based on VaR one can expect to lose more than -15.89% of current value of fund in one year.
  4. Sharpe ratio of the fund is 0.56 which shows good performance of fund in the retirement fund category.
  5. The fund has R-square of 0.83, Beta of 0.82 and Jensen's Alpha of 2.61% which exhibit good performance in the retirement fund category .


Not able to see in mobile!!! save the chart by clicking on camera icon.

KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % -3.35
-1.76
-4.04 | 0.49 25 | 29 Poor
3M Return % -3.31
-3.08
-7.03 | 1.36 17 | 29 Average
6M Return % -0.30
-0.45
-6.14 | 3.38 17 | 29 Average
1Y Return % 18.40
11.64
6.07 | 20.43 2 | 27 Very Good
3Y Return % 13.33
10.50
4.26 | 18.83 5 | 25 Very Good
5Y Return % 15.18
11.90
4.09 | 22.23 6 | 21 Very Good
7Y Return % 11.38
9.70
6.82 | 15.20 3 | 10 Very Good
10Y Return % 13.02
10.05
7.81 | 13.02 1 | 5 Very Good
1Y SIP Return % -21.17
-25.04
-29.58 | -20.78 2 | 27 Very Good
3Y SIP Return % 16.88
10.45
1.77 | 21.38 5 | 25 Very Good
5Y SIP Return % 17.02
12.31
3.12 | 25.07 5 | 21 Very Good
7Y SIP Return % 15.40
12.42
7.30 | 20.46 3 | 10 Very Good
10Y SIP Return % 14.48
10.86
7.57 | 14.48 1 | 5 Very Good
Standard Deviation 12.28
7.95
1.17 | 13.76 22 | 25 Poor
Semi Deviation 8.61
5.55
0.94 | 9.72 23 | 25 Poor
Max Drawdown % -14.82
-7.43
-16.28 | -0.64 24 | 25 Poor
VaR 1 Y % -15.89
-8.96
-17.51 | -0.28 23 | 25 Poor
Average Drawdown % -5.40
-3.54
-7.99 | -0.53 19 | 25 Average
Sharpe Ratio 0.56
0.32
-1.67 | 1.01 10 | 25 Good
Sterling Ratio 0.57
0.64
0.34 | 1.05 16 | 25 Average
Sortino Ratio 0.29
0.19
-0.46 | 0.54 10 | 25 Good
Jensen Alpha % 2.61
3.27
-0.01 | 6.89 3 | 6 Good
Treynor Ratio 0.08
0.10
0.06 | 0.14 5 | 6 Average
Modigliani Square Measure % 15.67
17.45
13.32 | 22.88 5 | 6 Average
Alpha % 0.22
1.43
-1.42 | 4.68 4 | 6 Good
Return data last Updated On : Jan. 20, 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

Rotate the phone! Best viewed in landscape mode on mobile.
KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % -3.23 -1.66 -3.94 | 0.57 26 | 29
3M Return % -2.96 -2.79 -6.78 | 1.61 17 | 29
6M Return % 0.42 0.16 -5.62 | 3.90 17 | 29
1Y Return % 20.15 12.95 7.32 | 22.12 2 | 27
3Y Return % 15.04 11.81 5.54 | 20.51 5 | 25
5Y Return % 16.95 13.37 5.42 | 24.03 5 | 21
7Y Return % 13.09 10.97 8.14 | 16.66 3 | 10
10Y Return % 14.76 11.29 8.82 | 14.76 1 | 5
1Y SIP Return % -19.86 -24.06 -28.68 | -19.54 2 | 27
3Y SIP Return % 18.70 11.80 3.06 | 23.18 3 | 25
5Y SIP Return % 18.82 13.77 4.44 | 26.89 5 | 21
7Y SIP Return % 17.16 13.71 8.53 | 21.91 2 | 10
10Y SIP Return % 16.19 12.09 8.93 | 16.19 1 | 5
Standard Deviation 12.28 7.95 1.17 | 13.76 22 | 25
Semi Deviation 8.61 5.55 0.94 | 9.72 23 | 25
Max Drawdown % -14.82 -7.43 -16.28 | -0.64 24 | 25
VaR 1 Y % -15.89 -8.96 -17.51 | -0.28 23 | 25
Average Drawdown % -5.40 -3.54 -7.99 | -0.53 19 | 25
Sharpe Ratio 0.56 0.32 -1.67 | 1.01 10 | 25
Sterling Ratio 0.57 0.64 0.34 | 1.05 16 | 25
Sortino Ratio 0.29 0.19 -0.46 | 0.54 10 | 25
Jensen Alpha % 2.61 3.27 -0.01 | 6.89 3 | 6
Treynor Ratio 0.08 0.10 0.06 | 0.14 5 | 6
Modigliani Square Measure % 15.67 17.45 13.32 | 22.88 5 | 6
Alpha % 0.22 1.43 -1.42 | 4.68 4 | 6
Return data last Updated On : Jan. 20, 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 0.07 ₹ 10,007.00 0.08 ₹ 10,008.00
1W 2.85 ₹ 10,285.00 2.88 ₹ 10,288.00
1M -3.35 ₹ 9,665.00 -3.23 ₹ 9,677.00
3M -3.31 ₹ 9,669.00 -2.96 ₹ 9,704.00
6M -0.30 ₹ 9,970.00 0.42 ₹ 10,042.00
1Y 18.40 ₹ 11,840.00 20.15 ₹ 12,015.00
3Y 13.33 ₹ 14,557.00 15.04 ₹ 15,225.00
5Y 15.18 ₹ 20,270.00 16.95 ₹ 21,875.00
7Y 11.38 ₹ 21,264.00 13.09 ₹ 23,661.00
10Y 13.02 ₹ 34,018.00 14.76 ₹ 39,605.00
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 -21.17 ₹ 10,571.68 -19.86 ₹ 10,663.69
3Y ₹ 36000 16.88 ₹ 46,227.49 18.70 ₹ 47,432.84
5Y ₹ 60000 17.02 ₹ 91,823.46 18.82 ₹ 95,978.94
7Y ₹ 84000 15.40 ₹ 145,510.34 17.16 ₹ 154,931.20
10Y ₹ 120000 14.48 ₹ 255,956.52 16.19 ₹ 280,663.20
15Y ₹ 180000 ₹ ₹


Date Tata Retirement Savings Fund-Progressive Plan NAV Regular Growth Tata Retirement Savings Fund-Progressive Plan NAV Direct Growth
20-01-2025 64.1427 77.3328
17-01-2025 64.0969 77.2683
16-01-2025 63.9444 77.0813
15-01-2025 63.6687 76.7459
14-01-2025 62.9259 75.8475
13-01-2025 62.3626 75.1656
10-01-2025 64.1251 77.2806
09-01-2025 64.8467 78.1472
08-01-2025 65.4504 78.8715
07-01-2025 66.1626 79.7265
06-01-2025 65.7401 79.2142
03-01-2025 67.2261 80.9951
02-01-2025 67.5113 81.3355
01-01-2025 66.7501 80.4152
31-12-2024 66.2631 79.8253
30-12-2024 66.0167 79.5252
27-12-2024 66.1291 79.6511
26-12-2024 66.2075 79.7423
24-12-2024 66.2211 79.7523
23-12-2024 66.1282 79.6373
20-12-2024 66.3657 79.9137

Fund Launch Date: 07/Oct/2011
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 atleast 85% of portfolio in equity. b) Ideal to invest during the accumulation phase by young investors due to high equity component. c) Ideal for moderate to aggressive savers risk profile with long term investment horizon. d) Retirement solution oriented scheme having a lock-in of 5 years or till retirement age ie 60 years (whichever is earlier)
Fund Benchmark: S&P BSE 200 Total Return Index
Source: Fund FactSheet

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