Tata Retirement Savings Fund Conservative Plan Direct Growth

Scheme code: INF277K01QM5 NAV value: ₹ 36.9557 NAV date: 18 March, 2026 TER: 1.02%

Fund option: Direct Fund type: Growth

Asset class: Solution Oriented Asset category: Retirement Fund

Rolling returns

Summary

Duration	Min (%)	Max (%)	Median (%)	Average return (%)	Category average return (%)
1 year	-2.83	27.02	10.02	10.32	13.66
3 year	4.24	15.84	9.33	9.83	12.89
5 year	6.54	13.59	9.51	9.56	12.87
7 year	7.89	11.98	8.98	9.48	11.93
10 year	8.50	10.70	9.88	9.78	12.45
12 year	9.70	10.55	10.20	10.19	13.66

Comparison vs benchmark returns

Index

Metrics

NIFTY 50

Duration	Min (%)	Max (%)	Average return (%)	Fund's return (%)
1 year	-7.02	20.62	5.61	10.32
3 year	6.28	30.95	15.04	9.83
5 year	8.38	26.02	14.22	9.56
7 year	10.18	15.62	12.93	9.48
10 year	11.42	12.93	12.18	9.78
15 year	-5.65	15.88	6.78

NIFTY 100

Duration	Min (%)	Max (%)	Average return (%)	Fund's return (%)
1 year	-8.47	19.78	4.49	10.32
3 year	6.56	19.64	13.57	9.83
5 year	9.22	12.29	10.75	9.56

NIFTY 200

Duration	Min (%)	Max (%)	Average return (%)	Fund's return (%)
1 year	-8.39	20.91	4.75	10.32
3 year	7.68	21.49	15.06	9.83
5 year	10.37	13.5	11.93	9.56

NIFTY 500

Duration	Min (%)	Max (%)	Average return (%)	Fund's return (%)
1 year	-8.47	20.67	4.16	10.32
3 year	8.04	32.03	17.81	9.83
5 year	8.18	28.64	15.34	9.56
7 year	10.64	16.42	13.77	9.48
10 year	12.56	14.06	13.31	9.78

SIP rolling returns

Summary

If you invest ₹1 lakh per month in this fund through SIP, here are the estimated returns over different timeframes.

Duration	Invested amount	Final value	Return	CAGR (%)

Comparison vs benchmark returns

Index	Metrics

SIP return for 1 year

- Total Invested Amount: ₹12,00,000 - Final Portfolio Value: ₹12,55,889 - Absolute Returns: ₹55,889 - CAGR: %

SIP return for 3 year

- Total Invested Amount: ₹36,00,000 - Final Portfolio Value: ₹41,26,950 - Absolute Returns: ₹5,26,950 - CAGR: %

SIP return for 5 year

- Total Invested Amount: ₹60,00,000 - Final Portfolio Value: ₹74,95,787 - Absolute Returns: ₹14,95,787 - CAGR: %

SIP return for 7 year

- Total Invested Amount: ₹84,00,000 - Final Portfolio Value: ₹1,14,95,944 - Absolute Returns: ₹30,95,944 - CAGR: %

SIP return for 10 year

- Total Invested Amount: ₹1,20,00,000 - Final Portfolio Value: ₹1,89,63,211 - Absolute Returns: ₹69,63,211 - CAGR: %

SIP return for 12 year

- Total Invested Amount: ₹1,44,00,000 - Final Portfolio Value: ₹2,54,59,682 - Absolute Returns: ₹1,10,59,682 - CAGR: %

Drawdown Metrics

Max Drawdown

-10.98 %

Drawdown Duration

1 months

Recovery Time

3 months

Avg Drawdown

-0.86 %

Calmar Ratio by Duration

1 Y

0.9395

3 Y

0.8949

5 Y

0.8703

7 Y

0.8631

10 Y

0.8904

12 Y

0.9277

Benchmark Comparison

vs NIFTY 50

Duration	Alpha	Beta	Upside Capture	Downside Capture	Fund CAGR	Benchmark CAGR
1 year	0.21	0.31	34.3	27.8	5.92 %	4.00 %
3 years	1.30	0.30	32.7	24.4	9.21 %	11.28 %
5 years	-0.19	0.28	30.1	24.5	7.13 %	9.44 %
7 years	0.45	0.26	28.9	23.5	8.04 %	10.74 %
10 years	1.15	0.26	30.2	23.7	9.11 %	12.06 %
12 years	0.13	0.26	30.2	23.7	7.55 %	10.00 %
15 years	-0.88	0.26	30.2	23.7	5.99 %	7.92 %