Sharpe ratio
0.66Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+6.60%1Y Absolute Return
-0.33%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- Moderate Plan -Direct Plan-Growth OptionFund 5Y annualised return | ₹9,44,586 | ₹7,32,612 | ₹2,11,974 | +10.38% |
| 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₹1.15
₹1 Lakh since launch₹1.15 Lakh
Fund age13.9 yrs
Fund information
Scheme code119255
ISININF277K01QN3
BenchmarkCRISIL Hybrid 25+75 Aggressive Index
CategorySolution Oriented Scheme - Retirement Fund
Expense ratio0.85%
Exit loadExit load of 1% if redeemed before 61 months.
Minimum SIP₹150 SIP
Return comparison
4th / 106 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +89.31% | — | — |
| 3M | -1.59% | — | — |
| 6M | +11.50% | — | — |
| 1Y | +6.60% | — | +1.16% |
| 3Y | +12.80% | — | +8.74% |
| 5Y | +10.38% | — | +7.27% |
| 10Y | +13.46% | — | — |
| Since Launch | +14.88% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.92Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
12.97%How much the fund’s returns fluctuate over time.
Moderate volatility
Returns can move up and down noticeably.
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
0.50How 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%
Equity82.26%
Debt14.59%
Cash3.15%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 67 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Solar Industries India Ltd | Materials | Equity | 4.64% |
| ICICI Bank Ltd | Financial | Equity | 4.32% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 3.42% |
| GOVERNMENT OF INDIA 37080 GOI 16FB31 6.36 FV RS 100 | Entities | GOI Securities | 3.21% |
| BSE Ltd | Financial | Equity | 3.04% |
| Zomato Ltd | Technology | Equity | 2.8% |
| Radico Khaitan Ltd | Consumer Staples | Equity | 2.77% |
| Kirloskar Pneumatic Company Ltd | Industrials | Equity | 2.74% |
| Multi Commodity Exchange Of India Ltd | Financial | Equity | 2.7% |
| Polycab India Ltd | Industrials | Equity | 2.47% |
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 very high-risk solution oriented scheme - retirement fund. Ahead of its category average over 3Y by 4.1 points.
Strengths
- Ahead of its category average over 3Y by 4.1 points.
- Recovered from its worst fall in 6 months.
- Same fund manager for 11+ years — the strategy has not chopped and changed.
- Ranks 4 of 106 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Needs a 3+ years horizon to ride out its very high risk level.
- Good fit for SIPs — spreading purchases smooths out 13.0% volatility.
Risk drivers
- None