Tata Retirement Savings Fund-Progressive Plan Overview
Category Retirement Fund
BMSMONEY Rank 6
BMSMONEY Rating
Gro. Opt. As On: 20-12-2024
NAV ₹66.37(R) -1.76% ₹79.91(D) -1.75%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 25.8% 16.78% 16.2% 12.36% 14.07%
LumpSum (D) 27.66% 18.55% 17.99% 14.09% 15.82%
SIP (R) -30.01% 18.32% 18.36% 16.36% 15.22%
SIP (D) -28.86% 20.18% 20.19% 18.13% 16.94%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.63 0.33 0.63 2.13% 0.09
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
12.08% -14.86% -13.71% 0.82 8.45%
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 - Progressive Plan -Regular Plan-Growth Option 66.37
-1.1900
-1.7600%
Tata Retirement Savings Fund- Progressive Plan -Direct Plan-Growth Option 79.91
-1.4300
-1.7500%

Review Date: 20-12-2024

Tata Retirement Savings Fund-Progressive Plan has exhibited good performance in the Retirement Fund category. The fund has rank of 6 out of 25 funds in the category. The fund has delivered return of 25.8% in 1 year, 16.78% in 3 years, 16.2% in 5 years and 14.07% in 10 years. The category average for the same periods is 16.74%, 12.31%, 12.6% and 10.7% respectively, which shows very good return performance of fund in the category. The fund has exhibited standard deviation of 12.08, VaR of -14.86, Average Drawdown of -5.12, Semi Deviation of 8.45 and Max Drawdown of -13.71. The category average for the same parameters is 7.85, -8.9, -3.26, 5.5 and -6.98 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 ₹12766.0 in 1 year, ₹16660.0 in 3 years and ₹22865.0 in 5 years as of today (20-12-2024).
  2. An SIP of ₹1,000 per month in Tata Retirement Savings Fund-Progressive Plan direct growth option would have grown to ₹10028.0 in 1 year, ₹48414.0 in 3 years and ₹99200.0 in 5 years as of today (20-12-2024).
  3. standard deviation of 12.08 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 0.63 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 2.13% 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 % 5.59
1.83
0.29 | 5.59 1 | 29 Very Good
3M Return % -3.55
-3.19
-7.60 | 1.36 16 | 29 Good
6M Return % 5.77
3.03
-2.50 | 6.36 5 | 29 Very Good
1Y Return % 25.80
16.74
6.09 | 29.67 4 | 27 Very Good
3Y Return % 16.78
12.31
3.97 | 22.14 5 | 25 Very Good
5Y Return % 16.20
12.60
4.08 | 23.44 6 | 18 Good
7Y Return % 12.36
10.32
7.06 | 16.22 3 | 10 Very Good
10Y Return % 14.07
10.70
8.14 | 14.07 1 | 5 Very Good
1Y SIP Return % -30.01
-36.11
-39.30 | -30.01 1 | 27 Very Good
3Y SIP Return % 18.32
10.41
-0.16 | 22.72 4 | 25 Very Good
5Y SIP Return % 18.36
12.97
2.45 | 26.40 5 | 18 Very Good
7Y SIP Return % 16.36
12.90
7.37 | 21.23 3 | 10 Very Good
10Y SIP Return % 15.22
11.24
7.75 | 15.22 1 | 5 Very Good
Standard Deviation 12.08
7.85
1.23 | 13.56 22 | 25 Poor
Semi Deviation 8.45
5.50
0.98 | 9.65 22 | 25 Poor
Max Drawdown % -13.71
-6.98
-15.04 | -0.64 23 | 25 Poor
VaR 1 Y % -14.86
-8.90
-17.51 | -0.93 20 | 25 Average
Average Drawdown % -5.12
-3.26
-7.29 | -0.64 20 | 25 Average
Sharpe Ratio 0.63
0.39
-1.71 | 1.13 10 | 25 Good
Sterling Ratio 0.63
0.69
0.33 | 1.18 15 | 25 Average
Sortino Ratio 0.33
0.23
-0.47 | 0.61 10 | 25 Good
Jensen Alpha % 2.13
3.02
-0.57 | 6.85 4 | 6 Good
Treynor Ratio 0.09
0.11
0.07 | 0.16 5 | 6 Average
Modigliani Square Measure % 16.60
18.73
14.20 | 24.42 5 | 6 Average
Alpha % -0.57
0.97
-2.31 | 4.13 5 | 6 Average
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 % 5.71 1.92 0.37 | 5.71 1 | 29
3M Return % -3.19 -2.90 -7.35 | 1.61 16 | 29
6M Return % 6.55 3.65 -1.95 | 7.05 4 | 29
1Y Return % 27.66 18.10 7.34 | 31.57 4 | 27
3Y Return % 18.55 13.64 5.25 | 23.89 5 | 25
5Y Return % 17.99 14.02 5.41 | 24.94 5 | 18
7Y Return % 14.09 11.59 8.34 | 17.71 3 | 10
10Y Return % 15.82 11.95 9.37 | 15.82 1 | 5
1Y SIP Return % -28.86 -35.27 -38.52 | -28.86 1 | 27
3Y SIP Return % 20.18 11.78 1.14 | 24.56 4 | 25
5Y SIP Return % 20.19 14.39 3.78 | 28.25 5 | 18
7Y SIP Return % 18.13 14.19 8.60 | 22.69 2 | 10
10Y SIP Return % 16.94 12.49 9.12 | 16.94 1 | 5
Standard Deviation 12.08 7.85 1.23 | 13.56 22 | 25
Semi Deviation 8.45 5.50 0.98 | 9.65 22 | 25
Max Drawdown % -13.71 -6.98 -15.04 | -0.64 23 | 25
VaR 1 Y % -14.86 -8.90 -17.51 | -0.93 20 | 25
Average Drawdown % -5.12 -3.26 -7.29 | -0.64 20 | 25
Sharpe Ratio 0.63 0.39 -1.71 | 1.13 10 | 25
Sterling Ratio 0.63 0.69 0.33 | 1.18 15 | 25
Sortino Ratio 0.33 0.23 -0.47 | 0.61 10 | 25
Jensen Alpha % 2.13 3.02 -0.57 | 6.85 4 | 6
Treynor Ratio 0.09 0.11 0.07 | 0.16 5 | 6
Modigliani Square Measure % 16.60 18.73 14.20 | 24.42 5 | 6
Alpha % -0.57 0.97 -2.31 | 4.13 5 | 6
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 -1.76 ₹ 9,824.00 -1.75 ₹ 9,825.00
1W -2.58 ₹ 9,742.00 -2.55 ₹ 9,745.00
1M 5.59 ₹ 10,559.00 5.71 ₹ 10,571.00
3M -3.55 ₹ 9,645.00 -3.19 ₹ 9,681.00
6M 5.77 ₹ 10,577.00 6.55 ₹ 10,655.00
1Y 25.80 ₹ 12,580.00 27.66 ₹ 12,766.00
3Y 16.78 ₹ 15,927.00 18.55 ₹ 16,660.00
5Y 16.20 ₹ 21,184.00 17.99 ₹ 22,865.00
7Y 12.36 ₹ 22,616.00 14.09 ₹ 25,158.00
10Y 14.07 ₹ 37,312.00 15.82 ₹ 43,444.00
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 -30.01 ₹ 9,944.60 -28.86 ₹ 10,027.93
3Y ₹ 36000 18.32 ₹ 47,170.84 20.18 ₹ 48,413.70
5Y ₹ 60000 18.36 ₹ 94,872.72 20.19 ₹ 99,200.46
7Y ₹ 84000 16.36 ₹ 150,563.45 18.13 ₹ 160,349.53
10Y ₹ 120000 15.22 ₹ 266,306.88 16.94 ₹ 292,106.16
15Y ₹ 180000 ₹ ₹


Date Tata Retirement Savings Fund-Progressive Plan NAV Regular Growth Tata Retirement Savings Fund-Progressive Plan NAV Direct Growth
20-12-2024 66.3657 79.9137
19-12-2024 67.5531 81.3402
18-12-2024 67.6842 81.4948
17-12-2024 67.997 81.8682
16-12-2024 68.3382 82.2756
13-12-2024 68.1213 82.0047
12-12-2024 68.0917 81.9657
11-12-2024 68.4151 82.3518
10-12-2024 68.0856 81.9518
09-12-2024 67.9324 81.7642
06-12-2024 67.8132 81.6109
05-12-2024 67.5431 81.2825
04-12-2024 66.8802 80.4816
03-12-2024 66.6464 80.1971
02-12-2024 66.2937 79.7694
29-11-2024 65.9798 79.3822
28-11-2024 65.6803 79.0187
27-11-2024 65.6179 78.9404
26-11-2024 65.0343 78.2353
25-11-2024 64.7786 77.9245
22-11-2024 63.7099 76.6297
21-11-2024 62.8543 75.5976

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.