Tata Retirement Savings Progressive Plan
Retirement SolutionsVery HighOPEN-ENDED
- NAV as on 6 Nov 2026
- ₹68.25+0.69%1 day
- Return since launch
- 13.6%
- 52-week range
- ₹56.72 — ₹70.42
- AUM
- ₹2,104 Cr
Tata Retirement Savings Progressive Plan is a Retirement Solutions equity fund from Tata Mutual Fund with ₹2,104 Cr under management, launched in 2011. Over three years it has returned 6.4% a year, against 12.4% for its category. The expense ratio is 2.20% 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 +4.9% against +1.5% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 9.0% | +6.2 pts | 2.8% | 4.9% |
| 2Y | 6.1% | +1.8 pts | 4.2% | 4.7% |
| 3Y | 6.4% | −6.0 pts | 12.4% | 5.0% |
| 5Y | 10.4% | −0.4 pts | 10.7% | 9.7% |
| 7Y | 11.7% | +2.1 pts | 9.5% | 12.1% |
| 10Y | 11.6% | −0.8 pts | 12.3% | 11.7% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 3.6% | −0.6 pts | 4.2% | 4.6% |
| 3M | -1.8% | −0.3 pts | -1.5% | -2.3% |
| 6M | 2.6% | +0.4 pts | 2.1% | 2.4% |
| 1Y | 4.9% | +2.1 pts | 2.8% | 1.2% |
| 2Y | 1.7% | −1.2 pts | 2.9% | 2.1% |
| 3Y | 11.5% | −0.8 pts | 12.4% | 10.4% |
| 5Y | 8.6% | −2.1 pts | 10.7% | 9.1% |
| 7Y | 11.9% | +2.0 pts | 9.9% | 12.9% |
| 10Y | 12.3% | 0.0 pts | 12.3% | 11.7% |
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 6 Nov 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 | 0.05 | 2.70 | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | 1.03 | 0.97 | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.32 | 0.49 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.45 | 0.68 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 16.85 | 15.55 | 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 30 Sep 2026
Asset allocation
- Equity93.5%
- Other6.5%
Market cap split
- Large54.2%
- Mid22.6%
- Small23.2%
- P/E
- 29.78
- P/B
- 4.32
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 6.49% | ₹137 Cr | +5.80% | +5.84% | +7.98% |
| Solar Industries India Ltd. | Chemicals | 5.39% | ₹113 Cr | +5.29% | +4.53% | +4.14% |
| ICICI Bank Ltd. | Financial | 4.97% | ₹105 Cr | +5.03% | +5.24% | +1.97% |
| Eternal Ltd. | Services | 4.11% | ₹86.40 Cr | +3.30% | +3.41% | +4.32% |
| Multi Commodity Exchange Of India Ltd. | Services | 3.81% | ₹80.20 Cr | +3.19% | +3.65% | +2.11% |
| Reliance Industries Ltd. | Energy | 3.66% | ₹76.92 Cr | +3.87% | +4.77% | +4.56% |
| Radico Khaitan Ltd. | Consumer Staples | 3.17% | ₹66.80 Cr | +3.12% | +3.09% | +3.52% |
| Adani Ports and Special Economic Zone Ltd. | Services | 2.46% | ₹51.79 Cr | +2.41% | +1.68% | +1.00% |
| Kotak Mahindra Bank Ltd. | Financial | 2.28% | ₹48.04 Cr | +1.93% | +1.95% | +1.05% |
| 360 One Wam Ltd. | Financial | 2.25% | ₹47.28 Cr | +2.28% | +2.39% | +2.05% |
| Karur Vysya Bank Ltd. | Financial | 2.14% | ₹44.95 Cr | +2.10% | +2.43% | +1.99% |
| Rainbow Children's Medicare Ltd. | Healthcare | 2.14% | ₹44.95 Cr | +2.24% | +2.18% | +1.97% |
| Exide Industries Ltd. | Capital Goods | 2.12% | ₹44.56 Cr | +1.93% | +1.65% | +1.99% |
| Coal India Ltd. | Materials | 2.05% | ₹43.22 Cr | +1.75% | +1.89% | — |
| Dixon Technologies (India) Ltd. | Capital Goods | 2.02% | ₹42.44 Cr | +1.78% | +2.10% | +1.60% |
| Sun Pharmaceutical Industries Ltd. | Healthcare | 2.02% | ₹42.51 Cr | +1.32% | — | — |
| One 97 Communications Ltd. | Services | 2.01% | ₹42.29 Cr | — | — | — |
| Titan Company Ltd. | Consumer Discretionary | 1.96% | ₹41.28 Cr | +2.20% | +2.34% | +1.78% |
| Fujiyama Power Systems Ltd. | Energy | 1.89% | ₹39.81 Cr | +1.49% | +1.08% | — |
| Nippon Life India Asset Management Ltd. | Financial | 1.88% | ₹39.48 Cr | +2.85% | +2.65% | +2.56% |
| BSE Ltd. | Services | 1.85% | ₹38.96 Cr | +3.54% | +3.93% | +3.23% |
| Polycab India Ltd. | Capital Goods | 1.83% | ₹38.55 Cr | +2.90% | +2.36% | +2.24% |
| Billionbrains Garage Ventures Ltd. | Financial | 1.82% | ₹38.23 Cr | +1.77% | +1.56% | — |
| Kirloskar Pneumatic Company Ltd. | Capital Goods | 1.77% | ₹37.20 Cr | +2.48% | +1.57% | +1.62% |
| Tata Consumer Products Ltd. | Consumer Staples | 1.73% | ₹36.37 Cr | +1.90% | +2.13% | +2.11% |
| DOMS Industries Ltd. | Consumer Staples | 1.71% | ₹36.08 Cr | +1.83% | +2.16% | +2.08% |
| HCL Technologies Ltd. | Technology | 1.68% | ₹35.42 Cr | +1.43% | +2.38% | +1.70% |
| Nestle India Ltd. | Consumer Staples | 1.68% | ₹35.37 Cr | +1.75% | +1.74% | +0.96% |
| Oil India Ltd. | Energy | 1.63% | ₹34.31 Cr | +1.47% | +1.99% | +1.55% |
| PB Fintech Ltd. | Services | 1.55% | ₹32.56 Cr | +2.30% | — | — |
| Ather Energy Ltd. | Automobile | 1.51% | ₹31.72 Cr | — | — | — |
| Adani Power Ltd. | Energy | 1.50% | ₹31.58 Cr | +1.60% | +1.19% | — |
| Apollo Hospitals Enterprise Ltd. | Healthcare | 1.40% | ₹29.40 Cr | +1.08% | — | — |
| Muthoot Finance Ltd. | Financial | 1.38% | ₹29.01 Cr | +1.81% | +2.27% | +2.27% |
| Bikaji Foods International Ltd. | Consumer Staples | 1.34% | ₹28.18 Cr | +1.62% | +1.84% | +1.96% |
| Grasim Industries Ltd. | Materials | 1.31% | ₹27.56 Cr | +1.03% | — | — |
| Grindwell Norton Ltd. | Metals & Mining | 1.28% | ₹26.92 Cr | +1.35% | +1.00% | — |
| Godrej Industries Ltd. | Consumer Staples | 1.25% | ₹26.35 Cr | +1.38% | +1.04% | +1.49% |
| RBL Bank Ltd. | Financial | 1.15% | ₹24.15 Cr | — | — | — |
| Adani Energy Solutions Ltd. | Energy | 1.12% | ₹23.66 Cr | — | — | — |
| Abbott India Ltd. | Healthcare | 1.04% | ₹21.97 Cr | — | — | — |
| Shriram Finance Ltd | Financial | 1.01% | ₹21.23 Cr | +1.04% | +1.03% | — |
| The Ramco Cements Ltd. | Materials | 1.01% | ₹21.31 Cr | — | — | — |
| Varun Beverages Ltd. | Consumer Staples | 1.00% | ₹21.00 Cr | +1.10% | — | — |
| Maruti Suzuki India Ltd. | Automobile | 0.92% | ₹19.39 Cr | +1.06% | +0.97% | — |
| Diamond Power Infrastructure Ltd. | Capital Goods | 0.90% | ₹19.04 Cr | — | — | — |
| Tata Consultancy Services Ltd. | Technology | 0.88% | ₹18.46 Cr | +0.84% | +1.16% | +3.43% |
| CreditAccess Grameen Ltd. | Financial | 0.87% | ₹18.32 Cr | — | — | — |
| Manappuram Finance Ltd. | Financial | 0.68% | ₹14.21 Cr | +1.35% | +1.24% | +1.23% |
| Vedanta Aluminium Metal Ltd. | Metals & Mining | 0.65% | ₹13.75 Cr | +0.69% | — | — |
| Zensar Technologies Ltd. | Technology | 0.60% | ₹12.54 Cr | +0.58% | +0.84% | +1.04% |
| Godrej Agrovet Ltd. | Consumer Staples | 0.57% | ₹11.97 Cr | +0.49% | +0.71% | +0.98% |
| Glaxosmithkline Pharmaceuticals Ltd. | Healthcare | 0.56% | ₹11.84 Cr | +0.48% | — | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| PB Fintech Ltd. | 2.54% | 1.55% | -0.99% |
| Metro Brands Ltd. | 0.59% | 0.00% | -0.59% |
| Polycab India Ltd. | 2.26% | 1.83% | -0.43% |
| Adani Ports and Special Economic Zone Ltd. | 2.04% | 2.46% | +0.42% |
| Coal India Ltd. | 1.81% | 2.05% | +0.24% |
| One 97 Communications Ltd. | 1.78% | 2.01% | +0.23% |
| Ather Energy Ltd. | 1.70% | 1.51% | -0.19% |
| Eternal Ltd. | 3.93% | 4.11% | +0.18% |
| Varun Beverages Ltd. | 0.83% | 1.00% | +0.17% |
| Bikaji Foods International Ltd. | 1.50% | 1.34% | -0.16% |
| Fujiyama Power Systems Ltd. | 2.04% | 1.89% | -0.15% |
| Multi Commodity Exchange Of India Ltd. | 3.66% | 3.81% | +0.15% |
| ICICI Bank Ltd. | 5.11% | 4.97% | -0.14% |
| 360 One Wam Ltd. | 2.39% | 2.25% | -0.14% |
| Adani Power Ltd. | 1.36% | 1.50% | +0.14% |
| RBL Bank Ltd. | 1.01% | 1.15% | +0.14% |
| Kotak Mahindra Bank Ltd. | 2.14% | 2.28% | +0.14% |
| Radico Khaitan Ltd. | 3.04% | 3.17% | +0.13% |
| Nestle India Ltd. | 1.79% | 1.68% | -0.11% |
| Abbott India Ltd. | 0.93% | 1.04% | +0.11% |
| Dixon Technologies (India) Ltd. | 2.13% | 2.02% | -0.11% |
| Titan Company Ltd. | 2.04% | 1.96% | -0.08% |
| Tata Consultancy Services Ltd. | 0.96% | 0.88% | -0.08% |
| Diamond Power Infrastructure Ltd. | 0.83% | 0.90% | +0.07% |
| Grindwell Norton Ltd. | 1.21% | 1.28% | +0.07% |
| Billionbrains Garage Ventures Ltd. | 1.77% | 1.82% | +0.05% |
| Shriram Finance Ltd | 1.06% | 1.01% | -0.05% |
| Godrej Agrovet Ltd. | 0.52% | 0.57% | +0.05% |
| Maruti Suzuki India Ltd. | 0.97% | 0.92% | -0.05% |
| Grasim Industries Ltd. | 1.35% | 1.31% | -0.04% |
| Nippon Life India Asset Management Ltd. | 1.92% | 1.88% | -0.04% |
| Sun Pharmaceutical Industries Ltd. | 2.06% | 2.02% | -0.04% |
| Godrej Industries Ltd. | 1.28% | 1.25% | -0.03% |
| Kirloskar Pneumatic Company Ltd. | 1.74% | 1.77% | +0.03% |
| Tata Consumer Products Ltd. | 1.76% | 1.73% | -0.03% |
| The Ramco Cements Ltd. | 0.98% | 1.01% | +0.03% |
| Apollo Hospitals Enterprise Ltd. | 1.42% | 1.40% | -0.02% |
| BSE Ltd. | 1.83% | 1.85% | +0.02% |
| Muthoot Finance Ltd. | 1.40% | 1.38% | -0.02% |
| Glaxosmithkline Pharmaceuticals Ltd. | 0.58% | 0.56% | -0.02% |
| Others | 2.32% | 2.30% | -0.02% |
| Exide Industries Ltd. | 2.11% | 2.12% | +0.01% |
| Karur Vysya Bank Ltd. | 2.13% | 2.14% | +0.01% |
| DOMS Industries Ltd. | 1.70% | 1.71% | +0.01% |
| Oil India Ltd. | 1.64% | 1.63% | -0.01% |
| Vedanta Aluminium Metal Ltd. | 0.64% | 0.65% | +0.01% |
| Zensar Technologies Ltd. | 0.61% | 0.60% | -0.01% |
| Adani Energy Solutions Ltd. | 1.13% | 1.12% | -0.01% |
| Rainbow Children's Medicare Ltd. | 2.15% | 2.14% | -0.01% |
| Reliance Industries Ltd. | 3.67% | 3.66% | -0.01% |
| Solar Industries India Ltd. | 5.38% | 5.39% | +0.01% |
| CreditAccess Grameen Ltd. | 0.87% | 0.87% | 0.00% |
| HCL Technologies Ltd. | 1.68% | 1.68% | 0.00% |
| Manappuram Finance Ltd. | 0.68% | 0.68% | 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 | ₹1,429 Cr | 2.41% | 6.4% | 7.8% | 12.7% |
 Nippon India Retirement Fund - Wealth Creation Scheme | ₹2,939 Cr | 2.23% | 1.8% | 3.0% | 9.1% |
 ICICI Prudential Retirement Fund - Pure Equity Plan | ₹2,106 Cr | 2.13% | 3.7% | 9.4% | 15.6% |
 Aditya Birla Sun Life Retirement Fund - The 30s Plan | ₹465 Cr | 2.62% | 14.7% | 12.2% | 13.5% |
 Union Retirement Fund | ₹207 Cr | 2.67% | 5.3% | 6.5% | — |
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 months2.59% absolute | ₹60,000 | ₹61,554 | 2.59% | |
| 1 year4.93% annualised | ₹1,20,000 | ₹1,23,253 | 2.71% | |
| 3 years11.53% annualised | ₹3,60,000 | ₹4,31,790 | 19.94% | |
| 5 years8.61% annualised | ₹6,00,000 | ₹7,51,927 | 25.32% |
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 ₹68.25 as on 6 Nov 2026.
What is the expense ratio of Tata Retirement Savings Progressive Plan?
The expense ratio of Tata Retirement Savings Progressive Plan is 2.20% 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 9.0% over 1 year, 6.4% 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 62 schemes with ₹2,39,201 Cr under management.