MonitorDirect · Growth
Tata Retirement Savings Fund-Conservative Plan
Tata Mutual FundSolution Oriented Scheme - Retirement Fund13.7 years
- NAV
- 38.6491
- 15 Sept 2026
- 1Y
- +5.0%
- Trailing CAGR
- AUM
- ₹171.11 Cr
- 31 Aug 2026
- Volatility
- Low
- 4.9% annualized
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+5.0%
- 3Y+7.8%
- 5Y+6.9%
- 10Y+8.3%
- SI+9.6%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+6.5%
- 3Y+6.6%
- 5Y+7.7%
- 10Y+8.1%
- Since inception
- +9.6%
- Calendar-day CAGR
- Excess 1Y
- +0.3%
- Category median, same plan and option
- 3Y win rate
- +21%
- Windows beating the median
- 3Y percentile
- 28
- Vs comparable share classes
- Worst rolling 3Y
- +4.2%
- 2583 daily-ending windows
- Median rolling 3Y
- +9.2%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2101 daily-ending windows
- SIP 3Y XIRR
- +6.6%
- Simulated monthly SIP
Drawdown
Peak to trough from a running NAV high. Move across the path to read a date.
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 8 days
- 254 recovered episodes
- Longest recovery
- 139 days
- Trough to prior peak
- Current spell
- 29 days
- Days below latest peak
- Time below peak
- +77%
- NAV observations
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
28
Vs category
52
Consistency
25
Risk-adjusted
70
Drawdown
73
Mean
49
Portfolio
31 Aug 2026 · 60 holdings · top 10 are 70.9%.
- Top 5
- 53.6%
- Top 10
- 70.9%
- Largest holding
- 20.3%
- Effective holdings
- 12.7
GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100
Entities
20.3%
GOI Sec 7.17 17/04/2030
Entities
8.9%
GOVERNMENT OF INDIA 31719 GOI 20JU27 7.38 FV RS 100
Entities
8.9%
GOVERNMENT OF INDIA 37080 GOI 16FB31 6.36 FV RS 100
Entities
8.7%
JAMNAGAR UTILITIES & POWER PRIVATE LIMITED SR PPD 6 6.40 LOA 29SP26 FVRS10LAC
Industrials
5.8%
Decision
Quantitative read of the live evidence. An explanation can only restate what is already here.
As of 11 Sept 2026
Monitor
Engine status
Monitor
Recent evidence
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%.
Worth investigating
Same-category peers with enough history to inspect beside this fund.
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan
Aditya Birla Sun Life Mutual Fund
- 1Y
- +5.1%
- 3Y
- +8.2%
- Vol
- 3.2%
- Max DD
- -5.0%
- Sharpe
- 0.61
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
ICICI Prudential Retirement Fund Hybrid Conservative Plan
ICICI Prudential Mutual Fund
- 1Y
- +6.0%
- 3Y
- +9.8%
- Vol
- 4.6%
- Max DD
- -10.2%
- Sharpe
- 0.99
- 3Y win
- +13%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
Aditya Birla Sun Life Retirement Fund-The 30s Plan
Aditya Birla Sun Life Mutual Fund
- 1Y
- +11.3%
- 3Y
- +14.9%
- Vol
- 15.7%
- Max DD
- -34.2%
- Sharpe
- 0.53
- 3Y win
- +94%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Aditya Birla Sun Life Retirement Fund-The 40s Plan
Aditya Birla Sun Life Mutual Fund
- 1Y
- +1.2%
- 3Y
- +10.4%
- Vol
- 12.1%
- Max DD
- -27.3%
- Sharpe
- 0.47
- 3Y win
- +42%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
BANDHAN RETIREMENT FUND
Bandhan Mutual Fund
- 1Y
- -0.1%
- 3Y
- n/a
- Vol
- 8.3%
- Max DD
- -9.8%
- Sharpe
- 0.50
- 3Y win
- n/a
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher volatility · Lower trailing returns