SolutionRetirement FundDirect · Growth
Tata Retirement Savings Fund- Conservative Plan-Direct Plan-Growth Option
Tata · Scheme 119256
₹39.26▼ 0.18%NAV · 2026-09-18
Decent FundScore
AUM
₹169 cr
Expense ratio
1.05%
3Y CAGR
8.8%
Risk level
Moderate
Min SIP
₹500
Benchmark
Nifty 500 TRI
Fund manager: Murthy Nagarajan, Sonam UdasiExit load: Exit load of 1% if redeemed before 61 months.
Decent · 58/100
A solid option with a few areas worth a closer look.
🎯 Best held for the long term (5+ years) as part of a diversified portfolio.
📈 Why it could do well
- ✓Protects capital well — worst-ever fall was only 11%.
- ✓Low volatility (5% a year) — a steady, low-drama ride.
- ✓Positive 3Y windows: 100% of rolling 3Y windows positive
- ✓Return stability: rolling-return std 2.2%
📉 What could drag it down
- •3Y CAGR: +8.8%
- •3Y CAGR vs category: -2.1% vs category avg
FundScore breakdown
58/100 · Decent
Returns
Weak
Consistency
Decent
Risk-adjusted
Average
Downside protection
Excellent
Cost efficiency
Decent
Portfolio quality
Average
Each dial rates the fund 0–100 on one factor, computed from real NAV history. Fuller & greener = stronger.
SIP return calculator
Back-tested on this fund's actual historical NAVs. Past performance ≠ future returns.