Tata Retirement Savings Fund-Moderate Plan
NAV
₹79.2
as of 6 Oct 2026
Tata Retirement Savings Fund-Moderate Plan is an open-ended Retirement Fund scheme from Tata Mutual Fund managing ₹2,251 crore (as of 31 Aug 2026). Its Direct-plan NAV is ₹79.2 as of 6 Oct 2026. The expense ratio is 0.83% a year. Managed by Sonam Udasi. This page is factual data only – it carries no rating and no recommendation.
Key facts
- Expense ratio
- 0.83% / yr
- as of 31 Aug 2026
- Fund size
- ₹2,251 crore
- as of 31 Aug 2026
- Exit load
- 1%
- SIP available
- Yes
- Launched
- 1 Nov 2011
- ISIN
- INF277K01QN3
₹100 invested, fund vs category
The category line is the average of the funds in this category, built from nyvo’s own NAV data.
Rebased to 100data to 5 Oct 2026
Tata Retirement Savings Fund-Moderate Plan
₹155
+55% on ₹100 over 5.0 yrs
Retirement Fund average
₹149
+49% on ₹100 over 5.0 yrs
Returns vs category
| Window | Fund | Category avg | Gap |
|---|---|---|---|
| 3 months | -5.19% | – | – |
| 6 months | 6.62% | – | – |
| 1 year | 2.53% | – | – |
| 3 years (CAGR) | 11.09% | – | – |
| 5 years (CAGR) | 9.44% | – | – |
No category average is available for this fund. Short windows are noise; the 3 and 5-year rows are the record. Past returns do not predict future returns.
A single return number depends on its start date. These are ALL the overlapping holding periods, so the worst case is visible – read that number first.
1-year holding periods
- Worst
- -2.1%
- Median
- 8.7%
- Best
- 35.1%
49 windows over the last 60 months, stepped monthly; 88% ended positive. Worst window began 1 Oct 2024. Windows overlap – this is the range of past start dates, not a probability of anything.
3-year holding periods (per year)
- Worst
- 11.8%
- Median
- 15.8%
- Best
- 20.9%
25 windows over the last 60 months, stepped monthly; 100% ended positive. Worst window began 1 Aug 2023. Windows overlap – this is the range of past start dates, not a probability of anything.
Risk, measured
- Sharpe ratio (3Y)
- 0.56
- Sharpe ratio (5Y)
- 0.49
- Sortino ratio (3Y)
- 0.89
- Standard deviation (3Y)
- 13.78%
- Deepest fall (5Y)
- -13.74%
Distance below its own peak
Every dip below 0 is the fund trading under a previous high – how deep and for how long is what a drawdown feels like.
Deepest fall
-13.7%
Right now
-6.4% below peak
Where the money actually is
Equity
80.7%
Bonds
13.3%
Cash
6.0%
Whole-portfolio split, as of 31 Aug 2026. The size split below covers only the equity slice of this.
What it owns
69 positions · top 10 = 30.7%
Market-cap mix (equity sleeve)
Large 43.1%Mid 17.9%Small 19.7%Other 19.3%
as of 31 Aug 2026
Holdings by sector
Financial Services(3 in top 10)23.9%
- ICICI Bank Ltd4.42%
- Multi Commodity Exchange of India Ltd3.13%
- 360 One Wam Ltd Ordinary Shares2.11%
Consumer Cyclical(1 in top 10)11.0%
- Eternal Ltd3.36%
- Industrials9.5%
Consumer Defensive(1 in top 10)8.3%
- Radico Khaitan Ltd2.51%
- Technology7.5%
Basic Materials(1 in top 10)7.2%
- Solar Industries India Ltd4.74%
Energy(1 in top 10)6.3%
- Reliance Industries Ltd3.27%
- Healthcare5.2%
Sectors marked ▶ expand to show this fund’s top-10 holdings in that sector. Holdings as of 31 Aug 2026. Portfolio turnover 46.3% a year.
Other top holdings
- 6.36% Govt Stock 2031matures 16 Feb 20313.08%
- Cash / Net Current Asset2.94%
- I) Repo2.35%
Money in, money out
- Net flow, 12 months
- −₹71 cr
- Net flow, 3 months
- −₹15 cr
as of 31 Aug 2026. Flows follow performance more than they predict it.
Quick answers
- What is the NAV of Tata Retirement Savings Fund-Moderate Plan?
- ₹79.2 per unit as of 6 Oct 2026 (Direct plan, growth). NAV is declared daily on working days.
- What is the expense ratio of Tata Retirement Savings Fund-Moderate Plan?
- 0.83% a year for the Direct plan, as of 31 Aug 2026.
- How large is Tata Retirement Savings Fund-Moderate Plan?
- ₹2,251 crore under management as of 31 Aug 2026, in the Retirement Fund category.
- How risky is Tata Retirement Savings Fund-Moderate Plan?
- Its SEBI Riskometer reading is "Very High Risk". A goal-linked wrapper with a lock-in until retirement or five years.
- What are the 5-year returns of Tata Retirement Savings Fund-Moderate Plan?
- 9.44% a year over the last 5 years (Direct plan, CAGR). Past returns do not predict future returns.
- What is the worst 3-year return of Tata Retirement Savings Fund-Moderate Plan?
- 11.8% a year – the weakest of 25 overlapping 3-year holding periods, beginning 1 Aug 2023. The median was 15.8% and 100% of those windows ended positive. Windows overlap, so this is the range of past start dates, not a probability.
- Who manages Tata Retirement Savings Fund-Moderate Plan?
- Sonam Udasi, managing this fund for 10.4 years.
Where this fund sits
Its shelf, all funds
Rt · Retirement fund →
A goal-linked wrapper with a lock-in until retirement or five years.
The money map
How big this shelf is in India →
The whole industry sized by real money, from AMFI’s monthly data.
Side by side
Compare this fund →
Put it next to any other fund – growth, returns, risk and cost in one table.
One bet or two?
Check its overlap →
See whether it owns the same stocks as your other funds.
Other Retirement Fund funds
- HDFC Retirement Fund - Equity Plan₹6,998 crore
- SBI Retirement Benefit Fund - Aggressive Plan₹3,242 crore
- Nippon India Retirement Fund- Wealth Creation Scheme₹3,127 crore
- Tata Retirement Savings Fund-Progressive Plan₹2,255 crore
- ICICI Prudential Retirement Fund Pure Equity Plan₹2,158 crore
- SBI Retirement Benefit Fund - Aggressive Hybrid Plan₹1,672 crore
- HDFC Retirement Fund - Hybrid-Equity Plan₹1,604 crore
- Tata Retirement Savings Fund-Conservative Plan₹171 crore
Data: nyvo research systems; each block above states its own as-of date, and blocks with no data for this fund are omitted rather than estimated. NAV updates daily on working days. This page is factual information about one scheme. It is not investment advice, not a recommendation, and it carries no rating of any kind. Past performance does not predict future returns. Mutual fund investments are subject to market risks; read all scheme related documents carefully.