MonitorDirect · GrowthWatch before adding
Tata Retirement Savings Fund-Conservative Plan
Tata Mutual FundSolution Oriented Scheme - Retirement Fund13.8 years
- NAV
- 37.9703
- 29 Oct 2026
- 1Y
- +1.0%
- Trailing CAGR
- AUM
- ₹165.48 Cr
- 30 Sept 2026
- Volatility
- Low
- 4.9% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer BANDHAN RETIREMENT FUND if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
1.04% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -11.0%. Ask whether you can hold through a similar fall.
Vs category
Fail
20% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Watch
Top 10 holdings ≈ 74.4% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+1.0%
- 3Y+7.3%
- 5Y+6.3%
- 10Y+7.9%
- SI+9.3%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+0.7%
- 3Y+4.1%
- 5Y+6.3%
- 10Y+7.4%
- Since inception
- +9.3%
- Calendar-day CAGR
- Excess 1Y
- +3.5%
- Category median, same plan and option
- 3Y win rate
- +20%
- Windows beating the median
- 3Y percentile
- 26
- Vs comparable share classes
- SIP 3Y XIRR
- +4.1%
- Simulated monthly SIP
- Worst rolling 3Y
- +4.2%
- 2614 daily-ending windows
- Median rolling 3Y
- +9.2%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2132 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -11.0%
- Worst peak-to-trough
- Current
- -3.6%
- Below last peak
- Current spell
- 77 days
- Days below latest peak
- Time below peak
- +77%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 8 days
- 254 recovered episodes
- Longest recovery
- 139 days
- Trough to prior peak
20 Feb 2020 – 23 Jun 2020
Trough 23 Mar 2020 · recovered in 92 days
-11.0%
18 Oct 2021 – 12 Sept 2022
Trough 17 Jun 2022 · recovered in 87 days
-6.1%
28 Aug 2018 – 19 Dec 2018
Trough 9 Oct 2018 · recovered in 71 days
-5.8%
20 Oct 2015 – 30 Mar 2016
Trough 25 Feb 2016 · recovered in 34 days
-5.3%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
26
Vs category
72
Consistency
25
Risk-adjusted
60
Drawdown
73
Mean
51
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
No status reasons yet. History is still thin.
Supporting reads
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 58 holdings · top 10 are 74.4%.
- Top 5
- 57.3%
- Top 10
- 74.4%
- Largest holding
- 20.7%
- Effective holdings
- 11.7
GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100
Entities
20.7%
Repo
Unspecified
9.5%
GOI Sec 7.17 17/04/2030
Entities
9.2%
GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100
Entities
9.1%
GOVERNMENT OF INDIA 37080 GOI 16FB31 6.36 FV RS 100
Entities
8.9%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
BANDHAN RETIREMENT FUND
Bandhan Mutual Fund
- 1Y
- -4.2%
- 3Y
- +9.0%
- Vol
- 8.4%
- Max DD
- -9.8%
- Sharpe
- 0.30
- 3Y win
- +100%
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan
Aditya Birla Sun Life Mutual Fund
- 1Y
- +1.6%
- 3Y
- +7.8%
- Vol
- 3.2%
- Max DD
- -5.0%
- Sharpe
- 0.29
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns
ICICI Prudential Retirement Fund Hybrid Conservative Plan
ICICI Prudential Mutual Fund
- 1Y
- +2.0%
- 3Y
- +9.3%
- Vol
- 4.6%
- Max DD
- -10.2%
- Sharpe
- 0.74
- 3Y win
- +16%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns
ICICI Prudential Retirement Fund Pure Equity Plan
ICICI Prudential Mutual Fund
- 1Y
- -2.3%
- 3Y
- +19.3%
- Vol
- 17.4%
- Max DD
- -37.2%
- Sharpe
- 0.75
- 3Y win
- +100%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Tata Retirement Savings Fund-Moderate Plan
Tata Mutual Fund
- 1Y
- -1.0%
- 3Y
- +11.4%
- Vol
- 12.9%
- Max DD
- -29.6%
- Sharpe
- 0.68
- 3Y win
- +97%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown