Tata Retirement Savings Progressive Plan
Retirement SolutionsVery HighOPEN-ENDED
- NAV as on 25 Sep 2026
- ₹67.25-0.15%1 day
- Return since launch
- 13.6%
- 52-week range
- ₹56.72 — ₹70.42
- AUM
- ₹2,255 Cr
Tata Retirement Savings Progressive Plan is a Retirement Solutions equity fund from Tata Mutual Fund with ₹2,255 Cr under management, launched in 2011. Over three years it has returned 6.2% a year, against 11.6% for its category. The expense ratio is 2.18% and the SEBI riskometer reading is Very High.
Performance
Tata Retirement Savings Progressive Plan NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +6.3% against +3.2% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 6.6% | +2.9 pts | 3.6% | 2.5% |
| 2Y | 4.5% | +2.0 pts | 2.5% | 3.2% |
| 3Y | 6.2% | −5.4 pts | 11.6% | 4.9% |
| 5Y | 10.4% | −0.4 pts | 10.8% | 9.8% |
| 7Y | 11.8% | +2.3 pts | 9.6% | 12.3% |
| 10Y | 11.7% | −0.2 pts | 11.8% | 11.8% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | -4.5% | −0.7 pts | -3.8% | -3.2% |
| 3M | 0.4% | +0.7 pts | -0.3% | -0.1% |
| 6M | 16.2% | +4.9 pts | 11.3% | 11.0% |
| 1Y | 6.3% | +2.6 pts | 3.6% | 3.0% |
| 2Y | -1.4% | −1.8 pts | 0.3% | -1.9% |
| 3Y | 11.4% | −0.2 pts | 11.6% | 10.0% |
| 5Y | 8.6% | −2.3 pts | 10.8% | 9.4% |
| 7Y | 12.3% | +2.2 pts | 10.1% | 13.1% |
| 10Y | 11.9% | +0.1 pts | 11.8% | 11.3% |
Since launch (7 Oct 2011): 13.6%
Calendar-year returns
Category average14.4%
23.3%
-3.9%
29.0%
21.5%
-1.2%
Show as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | -1.2% | −8.0 pts | 6.8% |
| 2024 | 21.5% | +1.7 pts | 19.8% |
| 2023 | 29.0% | −2.6 pts | 31.5% |
| 2022 | -3.9% | −8.1 pts | 4.1% |
| 2021 | 23.3% | −10.1 pts | 33.3% |
| 2020 | 14.4% | +1.0 pts | 13.5% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
2.20%
Expense ratio as on 23 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.73%
- Brokerage
- 0.06%
- Transaction charges
- 0.00%
- Statutory levies
- 0.41%
- Exit load
- Exit load of 1% if redeemed before 61 months.
- Lock-in
- 5 years
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- NIFTY 500 TRI
- Short-term capital gains
- Returns taxed at 20% if you redeem before 1 year
- Long-term capital gains
- After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Very High
Your principal is treated as being at very high risk — typically small cap, sectoral and thematic equity schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | 1.04 | 2.93 | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | 1.00 | 0.96 | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.49 | 0.63 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.68 | 0.83 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 16.20 | 15.14 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 4 category peers | |||
Portfolio
Tata Retirement Savings Progressive Plan portfolio
Portfolio as of 31 Aug 2026
Asset allocation
- Equity94.7%
- Other5.3%
Market cap split
- Large53.2%
- Mid23.1%
- Small23.6%
- P/E
- 32.36
- P/B
- 4.72
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Solar Industries India Ltd. | Chemicals | 5.38% | ₹121 Cr | +5.55% | +4.59% | +4.29% |
| Others | Others | 5.35% | ₹120 Cr | +3.28% | +7.22% | +10.04% |
| ICICI Bank Ltd. | Financial | 5.11% | ₹115 Cr | +4.67% | +5.42% | +2.05% |
| Eternal Ltd. | Services | 3.93% | ₹88.59 Cr | +3.25% | +3.32% | +4.17% |
| Reliance Industries Ltd. | Energy | 3.67% | ₹82.75 Cr | +4.02% | +4.49% | +4.36% |
| Multi Commodity Exchange Of India Ltd. | Services | 3.66% | ₹82.62 Cr | +3.37% | +3.36% | +2.00% |
| Radico Khaitan Ltd. | Consumer Staples | 3.04% | ₹68.62 Cr | +2.97% | +2.82% | +3.48% |
| PB Fintech Ltd. | Services | 2.54% | ₹57.38 Cr | +0.94% | — | — |
| 360 One Wam Ltd. | Financial | 2.39% | ₹53.93 Cr | +2.38% | +2.47% | +2.03% |
| Polycab India Ltd. | Capital Goods | 2.26% | ₹51.00 Cr | +2.80% | +2.69% | +2.18% |
| Rainbow Children's Medicare Ltd. | Healthcare | 2.15% | ₹48.38 Cr | +2.21% | +2.02% | +1.61% |
| Kotak Mahindra Bank Ltd. | Financial | 2.14% | ₹48.31 Cr | +1.91% | +2.08% | — |
| Dixon Technologies (India) Ltd. | Capital Goods | 2.13% | ₹48.11 Cr | +1.75% | — | +1.64% |
| Karur Vysya Bank Ltd. | Financial | 2.13% | ₹48.11 Cr | +2.08% | +2.49% | +2.30% |
| Exide Industries Ltd. | Capital Goods | 2.11% | ₹47.55 Cr | +1.89% | +1.73% | +2.02% |
| Sun Pharmaceutical Industries Ltd. | Healthcare | 2.06% | ₹46.44 Cr | +0.99% | — | — |
| Adani Ports and Special Economic Zone Ltd. | Services | 2.04% | ₹45.88 Cr | +2.44% | +1.63% | +1.22% |
| Fujiyama Power Systems Ltd. | Energy | 2.04% | ₹46.06 Cr | +1.50% | +0.93% | — |
| Titan Company Ltd. | Consumer Discretionary | 2.04% | ₹45.92 Cr | +2.06% | +2.32% | +1.75% |
| Nippon Life India Asset Management Ltd. | Financial | 1.92% | ₹43.26 Cr | +2.74% | +2.79% | +2.31% |
| BSE Ltd. | Services | 1.83% | ₹41.35 Cr | +4.55% | +3.87% | +3.32% |
| Coal India Ltd. | Materials | 1.81% | ₹40.86 Cr | +1.62% | +1.64% | — |
| Nestle India Ltd. | Consumer Staples | 1.79% | ₹40.41 Cr | +1.80% | +1.73% | +0.75% |
| company:17109 | Services | 1.78% | ₹40.18 Cr | — | — | — |
| Billionbrains Garage Ventures Ltd. | Financial | 1.77% | ₹39.93 Cr | +1.40% | +1.53% | — |
| Tata Consumer Products Ltd. | Consumer Staples | 1.76% | ₹39.74 Cr | +2.12% | +2.17% | +1.99% |
| Kirloskar Pneumatic Company Ltd. | Capital Goods | 1.74% | ₹39.29 Cr | +2.03% | +1.59% | +1.64% |
| Ather Energy Ltd. | Automobile | 1.70% | ₹38.24 Cr | — | — | — |
| DOMS Industries Ltd. | Consumer Staples | 1.70% | ₹38.23 Cr | +1.76% | +1.98% | +2.03% |
| HCL Technologies Ltd. | Technology | 1.68% | ₹37.79 Cr | +1.60% | +2.24% | +1.79% |
| Oil India Ltd. | Energy | 1.64% | ₹36.94 Cr | +1.71% | +1.84% | +1.46% |
| Bikaji Foods International Ltd. | Consumer Staples | 1.50% | ₹33.79 Cr | +1.65% | +1.71% | +2.08% |
| Apollo Hospitals Enterprise Ltd. | Healthcare | 1.42% | ₹32.03 Cr | +1.04% | — | — |
| Muthoot Finance Ltd. | Financial | 1.40% | ₹31.57 Cr | +2.05% | +2.18% | +1.95% |
| Adani Power Ltd. | Energy | 1.36% | ₹30.65 Cr | +1.77% | +1.00% | — |
| Grasim Industries Ltd. | Materials | 1.35% | ₹30.34 Cr | +1.05% | — | — |
| Godrej Industries Ltd. | Consumer Staples | 1.28% | ₹28.76 Cr | +1.32% | +1.25% | +1.52% |
| Grindwell Norton Ltd. | Metals & Mining | 1.21% | ₹27.31 Cr | +1.17% | — | — |
| Adani Energy Solutions Ltd. | Energy | 1.13% | ₹25.51 Cr | — | — | — |
| Shriram Finance Ltd | Financial | 1.06% | ₹23.97 Cr | +0.96% | +1.16% | — |
| RBL Bank Ltd. | Financial | 1.01% | ₹22.77 Cr | — | — | — |
| The Ramco Cements Ltd. | Materials | 0.98% | ₹22.16 Cr | — | — | — |
| Maruti Suzuki India Ltd. | Automobile | 0.97% | ₹21.95 Cr | +0.89% | +1.06% | — |
| Tata Consultancy Services Ltd. | Technology | 0.96% | ₹21.59 Cr | +0.95% | +1.18% | +3.66% |
| Abbott India Ltd. | Healthcare | 0.93% | ₹20.94 Cr | — | — | — |
| company:11921 | Financial | 0.87% | ₹19.63 Cr | — | — | — |
| Diamond Power Infrastructure Ltd. | Capital Goods | 0.83% | ₹18.67 Cr | — | — | — |
| Varun Beverages Ltd. | Consumer Staples | 0.83% | ₹18.74 Cr | +1.05% | — | — |
| Manappuram Finance Ltd. | Financial | 0.68% | ₹15.30 Cr | +1.37% | +1.27% | +1.15% |
| Vedanta Aluminium Metal Ltd. | Metals & Mining | 0.64% | ₹14.49 Cr | +0.19% | — | — |
| Zensar Technologies Ltd. | Technology | 0.61% | ₹13.67 Cr | +0.69% | +0.83% | +1.05% |
| Metro Brands Ltd. | Consumer Discretionary | 0.59% | ₹13.35 Cr | +0.89% | +1.50% | +1.59% |
| Glaxosmithkline Pharmaceuticals Ltd. | Healthcare | 0.58% | ₹13.04 Cr | +0.44% | — | — |
| Godrej Agrovet Ltd. | Consumer Staples | 0.52% | ₹11.81 Cr | +0.52% | +0.77% | +1.06% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Godrej Properties Ltd. | 1.79% | 0.00% | -1.79% |
| company:17109 | 0.00% | 1.78% | +1.78% |
| GE Vernova T&D India Ltd | 1.23% | 0.00% | -1.23% |
| company:11921 | 0.00% | 0.87% | +0.87% |
| Nippon Life India Asset Management Ltd. | 2.78% | 1.92% | -0.86% |
| Manappuram Finance Ltd. | 1.51% | 0.68% | -0.83% |
| Bharat Electronics Ltd. | 0.79% | 0.00% | -0.79% |
| Ather Energy Ltd. | 0.95% | 1.70% | +0.75% |
| Multi Commodity Exchange Of India Ltd. | 2.95% | 3.66% | +0.71% |
| Sun Pharmaceutical Industries Ltd. | 1.37% | 2.06% | +0.69% |
| Muthoot Finance Ltd. | 1.84% | 1.40% | -0.44% |
| Solar Industries India Ltd. | 5.00% | 5.38% | +0.38% |
| Fujiyama Power Systems Ltd. | 1.71% | 2.04% | +0.33% |
| PB Fintech Ltd. | 2.21% | 2.54% | +0.33% |
| Polycab India Ltd. | 2.59% | 2.26% | -0.33% |
| Apollo Hospitals Enterprise Ltd. | 1.09% | 1.42% | +0.33% |
| Radico Khaitan Ltd. | 3.35% | 3.04% | -0.31% |
| Metro Brands Ltd. | 0.87% | 0.59% | -0.28% |
| Eternal Ltd. | 3.68% | 3.93% | +0.25% |
| BSE Ltd. | 2.07% | 1.83% | -0.24% |
| Godrej Industries Ltd. | 1.51% | 1.28% | -0.23% |
| Adani Energy Solutions Ltd. | 1.34% | 1.13% | -0.21% |
| Rainbow Children's Medicare Ltd. | 2.35% | 2.15% | -0.20% |
| Adani Ports and Special Economic Zone Ltd. | 2.20% | 2.04% | -0.16% |
| Others | 2.47% | 2.32% | -0.15% |
| Reliance Industries Ltd. | 3.82% | 3.67% | -0.15% |
| Adani Power Ltd. | 1.48% | 1.36% | -0.12% |
| Kotak Mahindra Bank Ltd. | 2.03% | 2.14% | +0.11% |
| Billionbrains Garage Ventures Ltd. | 1.66% | 1.77% | +0.11% |
| Tata Consumer Products Ltd. | 1.87% | 1.76% | -0.11% |
| Kirloskar Pneumatic Company Ltd. | 1.84% | 1.74% | -0.10% |
| Varun Beverages Ltd. | 0.93% | 0.83% | -0.10% |
| Grasim Industries Ltd. | 1.26% | 1.35% | +0.09% |
| Abbott India Ltd. | 1.02% | 0.93% | -0.09% |
| Coal India Ltd. | 1.90% | 1.81% | -0.09% |
| Dixon Technologies (India) Ltd. | 2.05% | 2.13% | +0.08% |
| Exide Industries Ltd. | 2.19% | 2.11% | -0.08% |
| Grindwell Norton Ltd. | 1.29% | 1.21% | -0.08% |
| HCL Technologies Ltd. | 1.75% | 1.68% | -0.07% |
| Maruti Suzuki India Ltd. | 1.04% | 0.97% | -0.07% |
| Zensar Technologies Ltd. | 0.68% | 0.61% | -0.07% |
| Glaxosmithkline Pharmaceuticals Ltd. | 0.51% | 0.58% | +0.07% |
| Bikaji Foods International Ltd. | 1.56% | 1.50% | -0.06% |
| Titan Company Ltd. | 1.98% | 2.04% | +0.06% |
| Oil India Ltd. | 1.58% | 1.64% | +0.06% |
| DOMS Industries Ltd. | 1.75% | 1.70% | -0.05% |
| Nestle India Ltd. | 1.84% | 1.79% | -0.05% |
| 360 One Wam Ltd. | 2.35% | 2.39% | +0.04% |
| Godrej Agrovet Ltd. | 0.48% | 0.52% | +0.04% |
| Shriram Finance Ltd | 1.02% | 1.06% | +0.04% |
| Vedanta Aluminium Metal Ltd. | 0.68% | 0.64% | -0.04% |
| Diamond Power Infrastructure Ltd. | 0.79% | 0.83% | +0.04% |
| ICICI Bank Ltd. | 5.13% | 5.11% | -0.02% |
| Karur Vysya Bank Ltd. | 2.14% | 2.13% | -0.01% |
| The Ramco Cements Ltd. | 0.97% | 0.98% | +0.01% |
| RBL Bank Ltd. | 1.01% | 1.01% | 0.00% |
| Tata Consultancy Services Ltd. | 0.96% | 0.96% | 0.00% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹1,497 Cr | 2.42% | 4.6% | 7.9% | 13.0% |
 Nippon India Retirement Fund - Wealth Creation Scheme | ₹3,127 Cr | 2.22% | -3.2% | 2.3% | 9.0% |
 ICICI Prudential Retirement Fund - Pure Equity Plan | ₹2,158 Cr | 2.14% | 4.5% | 10.8% | 16.5% |
 Aditya Birla Sun Life Retirement Fund - The 30s Plan | ₹487 Cr | 2.64% | 14.6% | 12.1% | 13.5% |
 Union Retirement Fund | ₹216 Cr | 2.69% | 2.6% | 6.3% | — |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The fund seeks to provide a financial planning tool for long term financial security for investors based on their retirement planning goals.
Fund managers
- Murthy NagarajanMr. Nagarajan is a M.Com, ICWA and PGPMS.Prior to joining Tata AMC he has worked with Quantum AMC as head fixed income, Mirae Asset Global Investment India Ltd..
- Sonam UdasiMr. Udasi is a B.Com and also holds PGDM(Finance).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.
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
₹
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months16.20% absolute | ₹60,000 | ₹69,720 | 16.20% | |
| 1 year6.25% annualised | ₹1,20,000 | ₹1,24,141 | 3.45% | |
| 3 years11.45% annualised | ₹3,60,000 | ₹4,31,233 | 19.79% | |
| 5 years8.55% annualised | ₹6,00,000 | ₹7,50,710 | 25.12% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.
What is the NAV of Tata Retirement Savings Progressive Plan?
The NAV of Tata Retirement Savings Progressive Plan is ₹67.25 as on 25 Sep 2026.
What is the expense ratio of Tata Retirement Savings Progressive Plan?
The expense ratio of Tata Retirement Savings Progressive Plan is 2.18% per year.
What is the minimum SIP amount for Tata Retirement Savings Progressive Plan?
You can start a SIP in Tata Retirement Savings Progressive Plan with ₹3,000 a month.
What returns has Tata Retirement Savings Progressive Plan given?
Tata Retirement Savings Progressive Plan has returned 6.6% over 1 year, 6.2% over 3 years and 10.4% over 5 years (annualised).
Is there a lock-in or exit load on Tata Retirement Savings Progressive Plan?
Lock-in: 5 years. Exit load: Exit load of 1% if redeemed before 61 months..
How risky is Tata Retirement Savings Progressive Plan?
Tata Retirement Savings Progressive Plan is rated Very High on the SEBI riskometer and belongs to the Retirement Solutions category.
Which fund house manages Tata Retirement Savings Progressive Plan?
Tata Retirement Savings Progressive Plan is managed by Tata Mutual Fund, which runs 61 schemes with ₹2,31,388 Cr under management.