Sharpe ratio
0.63Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+4.13%1Y Absolute Return
-0.24%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| Tata Retirement Savings Fund- Conservative Plan-Direct Plan-Growth OptionFund 5Y annualised return | ₹8,61,019 | ₹7,32,612 | ₹1,28,407 | +6.69% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.09
₹1 Lakh since launch₹1.09 Lakh
Fund age13.8 yrs
Fund information
Scheme code119256
ISININF277K01QM5
BenchmarkCRISIL Short Term Debt Hybrid 75+25 Index
CategorySolution Oriented Scheme - Retirement Fund
Expense ratio1.06%
Exit loadExit load of 1% if redeemed before 61 months.
Minimum SIP₹500 SIP
Return comparison
18th / 106 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +35.58% | — | — |
| 3M | -2.44% | — | — |
| 6M | +6.77% | — | — |
| 1Y | +4.13% | — | +1.16% |
| 3Y | +7.91% | — | +8.74% |
| 5Y | +6.69% | — | +7.27% |
| 10Y | +8.39% | — | — |
| Since Launch | +9.47% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.91Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
5.32%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.86How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt68.45%
Equity28.95%
Cash2.60%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 58 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 | Entities | GOI Securities | 20.92% |
| GOI Sec 7.17 17/04/2030 | Entities | GOI Securities | 9.17% |
| GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100 | Entities | GOI Securities | 9.07% |
| GOVERNMENT OF INDIA 37080 GOI 16FB31 6.36 FV RS 100 | Entities | GOI Securities | 8.9% |
| GOI Sec 7.36 12/09/2052 | Entities | GOI Securities | 6.0% |
| JAMNAGAR UTILITIES & POWER PRIVATE LIMITED SR PPD 6 6.40 LOA 29SP26 FVRS10LAC | Industrials | Non Convertible Debenture | 5.94% |
| GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 | Entities | GOI Securities | 5.53% |
| SHIVSHAKTI SECURITISATION TRUST SS TRUST PTC 15SEPT25 | Unspecified | Securitised Debt | 2.92% |
| Cash/Net Current Assets | Unspecified | Cash/Net Current Assets | 1.8% |
| Solar Industries India Ltd | Materials | Equity | 1.56% |
Fund management
SO
Sonam Udasi
Since 2016 · Prior to joining Tata AMC he was associated with ASK Raymond James, JM Financial AMC, Prime Securities, BRICS Securities and IDBI Capital Market Services Ltd.
Mr. Udasi is a B.Com and also holds PGDM(Finance).
MU
Murthy Nagarajan
Since 2017 · Prior to joining Tata AMC he has worked with Quantum AMC as head fixed income, Mirae Asset Global Investment India Ltd..
Mr. Nagarajan is a M.Com, ICWA and PGPMS.
AM
Amit Somani
Since 2026 · Prior to joining Tata Asset Management Ltd in 2010 he has worked with Fidelity Investments Netscribes Pvt. ltd, SPA Capital and Khandwala Securities.
Mr.Somani is a B.Com, PGDBM and CFA.
Compare similar funds
No comparable category funds are available yet.
Summary
A moderately high-risk solution oriented scheme - retirement fund. Losses and swings stayed contained — worst fall -11.0%, volatility 5.3%. Trailing its category average over 3Y by 0.8 points.
Strengths
- Losses and swings stayed contained — worst fall -11.0%, volatility 5.3%.
- Recovered from its worst fall in 3 months.
- Well spread out — top 10 holdings are only 11% of the portfolio.
- Same fund manager for 11+ years — the strategy has not chopped and changed.
- Ranks 18 of 106 in its category over 1 year.
Weaknesses
- Trailing its category average over 3Y by 0.8 points.
Ideal investor
- Needs a 3+ years horizon to ride out its moderately high risk level.
Risk drivers
- None