Tata Retirement Savings Fund-Progressive Plan
NAV
₹81.5
as of 6 Oct 2026
Tata Retirement Savings Fund-Progressive Plan is an open-ended Retirement Fund scheme from Tata Mutual Fund managing ₹2,255 crore (as of 31 Aug 2026). Its Direct-plan NAV is ₹81.5 as of 6 Oct 2026. The expense ratio is 0.82% a year. Managed by Sonam Udasi. This page is factual data only – it carries no rating and no recommendation.
Key facts
- Expense ratio
- 0.82% / yr
- as of 31 Aug 2026
- Fund size
- ₹2,255 crore
- as of 31 Aug 2026
- Exit load
- 1%
- SIP available
- Yes
- Launched
- 1 Nov 2011
- ISIN
- INF277K01QO1
₹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 2026Benchmark: BSE 200 Index
Tata Retirement Savings Fund-Progressive 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 | -6.00% | – | – |
| 6 months | 7.22% | – | – |
| 1 year | 2.31% | – | – |
| 3 years (CAGR) | 11.57% | – | – |
| 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
- -5.6%
- Median
- 8.3%
- Best
- 42.0%
49 windows over the last 60 months, stepped monthly; 80% 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
- 12.4%
- Median
- 16.9%
- Best
- 23.0%
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)
- 0.55
- Sharpe ratio (5Y)
- 0.45
- Sortino ratio (3Y)
- 0.87
- Standard deviation (3Y)
- 16.21%
- Deepest fall (5Y)
- -17.58%
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
-17.6%
Right now
-7.4% below peak
Where the money actually is
Equity
94.7%
Cash
5.3%
Whole-portfolio split, as of 31 Aug 2026. The size split below covers only the equity slice of this.
What it owns
55 positions · top 10 = 34.1%
Market-cap mix (equity sleeve)
Large 50.4%Mid 21.9%Small 22.4%Other 5.3%
as of 31 Aug 2026
Holdings by sector
Financial Services(4 in top 10)28.5%
- ICICI Bank Ltd5.11%
- Multi Commodity Exchange of India Ltd3.66%
- PB Fintech Ltd2.54%
- 360 One Wam Ltd Ordinary Shares2.39%
Consumer Cyclical(1 in top 10)11.3%
- Eternal Ltd3.93%
- Industrials11.1%
Consumer Defensive(1 in top 10)9.4%
- Radico Khaitan Ltd3.04%
- Technology9.2%
Basic Materials(1 in top 10)8.3%
- Solar Industries India Ltd5.38%
- Healthcare7.1%
Energy(1 in top 10)7.1%
- Reliance Industries Ltd3.67%
Sectors marked ▶ expand to show this fund’s top-10 holdings in that sector. Holdings as of 31 Aug 2026. Portfolio turnover 52.9% a year.
Other top holdings
- I) Repo3.03%
- Cash / Net Current Asset2.30%
Money in, money out
- Net flow, 12 months
- −₹11 cr
- Net flow, 3 months
- −₹2 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-Progressive Plan?
- ₹81.5 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-Progressive Plan?
- 0.82% a year for the Direct plan, as of 31 Aug 2026.
- How large is Tata Retirement Savings Fund-Progressive Plan?
- ₹2,255 crore under management as of 31 Aug 2026, in the Retirement Fund category.
- How risky is Tata Retirement Savings Fund-Progressive 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-Progressive 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-Progressive Plan?
- 12.4% a year – the weakest of 25 overlapping 3-year holding periods, beginning 1 Aug 2023. The median was 16.9% 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-Progressive 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-Moderate Plan₹2,251 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. The benchmark (BSE 200 Index) is named for reference only; its values are licensed and never shown. 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.