Tata Retirement Savings Fund-Progressive Plan Overview
Category Retirement Fund
BMSMONEY Rank 7
BMSMONEY Rating
Gro. Opt. As On: 19-11-2024
NAV ₹63.3(R) +0.62% ₹76.13(D) +0.63%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 24.55% 12.24% 15.45% 12.16% 13.86%
LumpSum (D) 26.38% 13.94% 17.23% 13.87% 15.61%
SIP (R) -1.24% 19.08% 17.94% 15.74% 14.55%
SIP (D) 0.3% 20.87% 19.73% 17.48% 16.25%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.52 0.27 0.54 2.02% 0.08
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
12.35% -14.86% -15.0% 0.82 8.62%
Top Retirement Fund
Fund Name Rank Rating
Icici Prudential Retirement Fund - Pure Equity Plan 1
Hdfc Retirement Savings Fund - Equity Plan 2
Icici Prudential Retirement Fund - Hybrid Aggressive Plan 3
Hdfc Retirement Savings Fund - Hybrid - Equity Plan 4
Tata Retirement Savings Fund-Moderate Plan 5
Nippon India Retirement Fund - Wealth Creation Scheme 6

NAV Date: 19-11-2024

Scheme Name NAV Rupee Change Percent Change
Tata Retirement Savings Fund - Progressive Plan -Regular Plan-Growth Option 63.3
0.3900
0.6200%
Tata Retirement Savings Fund- Progressive Plan -Direct Plan-Growth Option 76.13
0.4700
0.6300%

Review Date: 19-11-2024

Tata Retirement Savings Fund-Progressive Plan has shown good performance in the Retirement Fund category. The fund has rank of 7 out of 25 funds in the category. The fund has delivered return of 24.55% in 1 year, 12.24% in 3 years, 15.45% in 5 years and 13.86% in 10 years. The category average for the same periods is 19.42%, 10.43%, 12.41% and 10.54% respectively, which shows good return performance of fund in the category. The fund has exhibited standard deviation of 12.35, VaR of -14.86, Average Drawdown of -5.44, Semi Deviation of 8.62 and Max Drawdown of -15.0. The category average for the same parameters is 7.98, -8.94, -3.68, 5.59 and -7.54 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 ₹12638.0 in 1 year, ₹14792.0 in 3 years and ₹22144.0 in 5 years as of today (19-11-2024).
  2. An SIP of ₹1,000 per month in Tata Retirement Savings Fund-Progressive Plan direct growth option would have grown to ₹12019.0 in 1 year, ₹48891.0 in 3 years and ₹98118.0 in 5 years as of today (19-11-2024).
  3. standard deviation of 12.35 and based on VaR one can expect to lose more than -14.86% of current value of fund in one year.
  4. Sharpe ratio of the fund is 0.52 which shows good performance of fund in the retirement fund category.
  5. The fund has R-square of 0.84, Beta of 0.82 and Jensen's Alpha of 2.02% which exhibit good performance in the retirement fund category .


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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % -4.58
-2.82
-5.25 | 0.45 23 | 29 Average
3M Return % -3.65
-1.30
-4.19 | 1.63 27 | 29 Poor
6M Return % 7.21
5.37
3.04 | 9.55 6 | 28 Very Good
1Y Return % 24.55
19.42
6.38 | 37.30 8 | 27 Good
3Y Return % 12.24
10.43
3.89 | 19.59 8 | 25 Good
5Y Return % 15.45
12.41
4.00 | 23.32 6 | 18 Good
7Y Return % 12.16
10.26
6.88 | 16.35 3 | 10 Very Good
10Y Return % 13.86
10.54
8.06 | 13.86 1 | 5 Very Good
1Y SIP Return % -1.24
-10.52
-24.66 | 2.46 4 | 27 Very Good
3Y SIP Return % 19.08
12.78
1.61 | 25.75 5 | 25 Very Good
5Y SIP Return % 17.94
12.66
0.88 | 27.23 5 | 18 Very Good
7Y SIP Return % 15.74
12.42
5.63 | 21.55 4 | 10 Good
10Y SIP Return % 14.55
10.70
6.31 | 14.55 1 | 5 Very Good
Standard Deviation 12.35
7.98
1.23 | 13.95 22 | 25 Poor
Semi Deviation 8.62
5.59
0.99 | 9.91 22 | 25 Poor
Max Drawdown % -15.00
-7.54
-16.94 | -0.66 23 | 25 Poor
VaR 1 Y % -14.86
-8.94
-17.51 | -0.97 20 | 25 Average
Average Drawdown % -5.44
-3.68
-10.93 | -0.65 21 | 25 Average
Sharpe Ratio 0.52
0.34
-1.67 | 1.14 11 | 25 Good
Sterling Ratio 0.54
0.65
0.33 | 1.23 16 | 25 Average
Sortino Ratio 0.27
0.20
-0.46 | 0.62 11 | 25 Good
Jensen Alpha % 2.02
4.03
0.27 | 10.93 4 | 6 Good
Treynor Ratio 0.08
0.11
0.06 | 0.19 5 | 6 Average
Modigliani Square Measure % 15.20
18.30
13.67 | 23.76 5 | 6 Average
Alpha % -0.47
1.84
-1.55 | 7.96 5 | 6 Average
Return data last Updated On : Nov. 19, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2024
KPIs: Key Performance Indicators

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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % -4.47 -2.72 -5.15 | 0.53 22 | 29
3M Return % -3.29 -1.00 -3.96 | 1.89 27 | 29
6M Return % 7.99 5.99 3.81 | 10.29 6 | 28
1Y Return % 26.38 20.81 7.63 | 39.31 8 | 27
3Y Return % 13.94 11.75 5.17 | 21.28 8 | 25
5Y Return % 17.23 13.83 5.35 | 24.81 6 | 18
7Y Return % 13.87 11.53 8.12 | 17.85 3 | 10
10Y Return % 15.61 11.79 9.41 | 15.61 1 | 5
1Y SIP Return % 0.30 -9.42 -23.75 | 3.85 4 | 27
3Y SIP Return % 20.87 14.13 2.89 | 27.54 5 | 25
5Y SIP Return % 19.73 14.05 2.16 | 29.04 5 | 18
7Y SIP Return % 17.48 13.69 6.83 | 23.00 4 | 10
10Y SIP Return % 16.25 11.93 7.66 | 16.25 1 | 5
Standard Deviation 12.35 7.98 1.23 | 13.95 22 | 25
Semi Deviation 8.62 5.59 0.99 | 9.91 22 | 25
Max Drawdown % -15.00 -7.54 -16.94 | -0.66 23 | 25
VaR 1 Y % -14.86 -8.94 -17.51 | -0.97 20 | 25
Average Drawdown % -5.44 -3.68 -10.93 | -0.65 21 | 25
Sharpe Ratio 0.52 0.34 -1.67 | 1.14 11 | 25
Sterling Ratio 0.54 0.65 0.33 | 1.23 16 | 25
Sortino Ratio 0.27 0.20 -0.46 | 0.62 11 | 25
Jensen Alpha % 2.02 4.03 0.27 | 10.93 4 | 6
Treynor Ratio 0.08 0.11 0.06 | 0.19 5 | 6
Modigliani Square Measure % 15.20 18.30 13.67 | 23.76 5 | 6
Alpha % -0.47 1.84 -1.55 | 7.96 5 | 6
Return data last Updated On : Nov. 19, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2024
KPIs: Key Performance Indicators

Investment Period Regular Direct
Return % Current Value of ₹ 10000 Return % Current Value of ₹ 10000
1D 0.62 ₹ 10,062.00 0.63 ₹ 10,063.00
1W -1.59 ₹ 9,841.00 -1.56 ₹ 9,844.00
1M -4.58 ₹ 9,542.00 -4.47 ₹ 9,553.00
3M -3.65 ₹ 9,635.00 -3.29 ₹ 9,671.00
6M 7.21 ₹ 10,721.00 7.99 ₹ 10,799.00
1Y 24.55 ₹ 12,455.00 26.38 ₹ 12,638.00
3Y 12.24 ₹ 14,139.00 13.94 ₹ 14,792.00
5Y 15.45 ₹ 20,512.00 17.23 ₹ 22,144.00
7Y 12.16 ₹ 22,327.00 13.87 ₹ 24,831.00
10Y 13.86 ₹ 36,608.00 15.61 ₹ 42,639.00
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 -1.24 ₹ 11,918.68 0.30 ₹ 12,019.33
3Y ₹ 36000 19.08 ₹ 47,679.08 20.87 ₹ 48,891.49
5Y ₹ 60000 17.94 ₹ 93,914.34 19.73 ₹ 98,118.24
7Y ₹ 84000 15.74 ₹ 147,307.86 17.48 ₹ 156,742.49
10Y ₹ 120000 14.55 ₹ 256,880.28 16.25 ₹ 281,536.44
15Y ₹ 180000 ₹ ₹


Date Tata Retirement Savings Fund-Progressive Plan NAV Regular Growth Tata Retirement Savings Fund-Progressive Plan NAV Direct Growth
19-11-2024 63.2984 76.1256
18-11-2024 62.9064 75.6512
14-11-2024 63.2411 76.0415
13-11-2024 62.8715 75.5939
12-11-2024 64.3204 77.333
11-11-2024 64.9831 78.1266
08-11-2024 65.2576 78.4472
07-11-2024 66.0253 79.3668
06-11-2024 66.1699 79.5375
05-11-2024 64.9794 78.1034
04-11-2024 64.9117 78.0189
31-10-2024 65.4083 78.6032
30-10-2024 65.0248 78.1392
29-10-2024 64.6967 77.7419
28-10-2024 64.2936 77.2543
25-10-2024 64.0933 77.0044
24-10-2024 64.9581 78.0403
23-10-2024 65.2842 78.4289
22-10-2024 64.7545 77.7894
21-10-2024 66.3387 79.6894

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.