Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund vs Tata Retirement Savings Fund Conservative
Direct Plan, Growth option · Data as on 30-10-2026
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund is an Index fund and Tata Retirement Savings Fund Conservative is a Solution fund. In the 3 years to 30-10-2026, Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund (Direct) returned 6.9% a year and Tata Retirement Savings Fund Conservative (Direct) returned 7.2% a year. Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund charges 0.20% a year and Tata Retirement Savings Fund Conservative 1.04% (Direct plans). Their portfolios overlap 10.6%: they hold 2 of the same securities.
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund
Index
- 3 year return
- 6.9%
- Expense ratio
- 0.20%
- NAV
- ₹12.82
Tata Retirement Savings Fund Conservative
Solution
- 3 year return
- 7.2%
- Expense ratio
- 1.04%
- NAV
- ₹37.87
Which is better, Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index or Tata Retirement Savings Fund Conservative? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Tata Retirement Savings Fund Conservative returned more over 3 years: 7.2% a year against 6.9%.
- Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index returned more over 1 year: 3.7% against 0.9%.
- Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index costs less: 0.20% a year against 1.04% (Direct plans).
- Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index swung less over 3 years: a standard deviation of 1.0% a year against 4.7%.
- Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index fell less in its worst fall since 16-02-2023: −0.9% against −5.1%.
- Tata Retirement Savings Fund Conservative is the larger fund: ₹165 Cr against ₹143 Cr.
- Their portfolios overlap 10.6%: 2 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund | Tata Retirement Savings Fund Conservative |
|---|---|---|
| Fund house | Edelweiss Mutual Fund | Tata Mutual Fund |
| Category | Index | Solution |
| AUM | ₹143 Cr (30-09-2026) | ₹165 Cr (30-09-2026) |
| NAV | ₹12.82 (Direct) | ₹37.87 (Direct) |
| Expense ratio (Direct) | 0.20% | 1.04% |
| Expense ratio (Regular) | 0.57% | 2.16% |
| Riskometer | Low to Moderate | Moderately High |
| Benchmark | CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund | CRISIL Short Term Debt Hybrid 75+25 Index |
| Launch date | 15-02-2023 | 01-11-2011 |
| Minimum investment | ₹100 | ₹5,000 |
| Lock in | None | 5 years, or until retirement if earlier |
| Fund managers | Hetul Raval, Dhawal Dalal | Sonam Udasi, Murthy Nagarajan, Amit Somani |
| Exit load | NIL | A) If redeemed / switched-out on or after attainment of retirement age i.e. 60 years of age - Nil. B) In case of Auto switch-out of units on occurrence of “Auto-switch trigger event” - Nil. C) 1% -If redeemed before 61 months from the date of allotment. |
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index vs Tata Retirement Savings Fund Conservative: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund (Direct) | −0.43% | −0.44% | +1.60% | +3.71% | +6.87% | -- | -- |
| Tata Retirement Savings Fund Conservative (Direct) | −1.16% | −2.71% | +0.51% | +0.92% | +7.22% | +6.23% | +7.90% |
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index vs Tata Retirement Savings Fund Conservative: Year-wise Returns
| Year | Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration IndexEdelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index | Tata Retirement Savings Fund ConservativeTata Retirement Savings Fund Conservative |
|---|---|---|
| 2026to date | +2.90% | +0.55% |
| 2025 | +7.77% | +4.84% |
| 2024 | +8.19% | +11.23% |
| 2023 | -- | +13.37% |
| 2022 | -- | +1.30% |
| 2021 | -- | +8.87% |
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index vs Tata Retirement Savings Fund Conservative: Rolling Returns
Every holding period of both funds
Rolling returns
Every 3-year holding period, 169 of them, one for each trading day from 16-02-2026 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund (Direct)
Tata Retirement Savings Fund Conservative (Direct)
to
Mar 2026Apr 2023
to
Apr 2026Jun 2023
to
Jun 2026Jul 2023
to
Jul 2026Aug 2023
to
Aug 2026Oct 2023
to
Oct 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7.4% | 7.4% | 6.9% | 8.0% |
| Tata Retirement Savings Fund Conservative | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 8.6% | 8.8% | 6.9% | 9.8% |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. Every fund is measured over the days all of them have, from 16-02-2023. Past returns do not promise future returns.
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index vs Tata Retirement Savings Fund Conservative: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 16-02-2023 to 30-10-2026: 45 instalments, ₹4,50,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration IndexEdelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund (Direct) | ₹4,50,000 | ₹5,04,275 | ₹54,275 | 6.0% |
| Tata Retirement Savings Fund ConservativeTata Retirement Savings Fund Conservative (Direct) | ₹4,50,000 | ₹4,96,938 | ₹46,938 | 5.2% |
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration IndexEdelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund (Direct)
Tata Retirement Savings Fund ConservativeTata Retirement Savings Fund Conservative (Direct)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index vs Tata Retirement Savings Fund Conservative: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund (Direct) | Tata Retirement Savings Fund Conservative (Direct) |
|---|---|---|
| Return (CAGR) | +3.71% | +0.92% |
| Standard deviation | 1.26% | 5.09% |
| Sharpe ratio | -1.21 | -0.85 |
| Sortino ratio | -1.74 | -1.12 |
| Maximum drawdown | −0.9% (22-10-2026) | −4.7% (23-10-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund (Direct) | Tata Retirement Savings Fund Conservative (Direct) |
|---|---|---|
| Return (CAGR) | +6.87% | +7.22% |
| Standard deviation | 1.00% | 4.74% |
| Sharpe ratio | 0.85 | 0.25 |
| Sortino ratio | 1.30 | 0.34 |
| Maximum drawdown | −0.9% (22-10-2026) | −5.1% (03-03-2025) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund (Direct) | Tata Retirement Savings Fund Conservative (Direct) |
|---|---|---|
| Return (CAGR) | +6.88% | +9.24% |
| Standard deviation | 1.00% | 4.79% |
| Sharpe ratio | 0.71 | 0.67 |
| Sortino ratio | 1.09 | 0.92 |
| Maximum drawdown | −0.9% (22-10-2026) | −11.0% (23-03-2020) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 16-02-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund (Direct)
Tata Retirement Savings Fund Conservative (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund (Direct) | −0.9% | 14-08-2026 | 22-10-2026 | Not yet | -- | −0.9% |
| Tata Retirement Savings Fund Conservative (Direct) | −5.1% | 11-12-2024 | 03-03-2025 | 23-04-2025 | 51 days | −3.8% |
From daily values since 16-02-2023, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund (Direct)
Tata Retirement Savings Fund Conservative (Direct)
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund (Direct)
Tata Retirement Savings Fund Conservative (Direct)
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index vs Tata Retirement Savings Fund Conservative: Portfolio Overlap
From each fund's latest monthly portfolio: Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund, September 2026; Tata Retirement Savings Fund Conservative, September 2026
Holdings in common
- Overlap
- 10.6%
- Held by both
- 2
- Only in Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index
- 11
- Only in Tata Retirement Savings Fund Conservative
- 54
| Security | % of Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index | % of Tata Retirement Savings Fund Conservative |
|---|---|---|
| 7.17% GOVT OF INDIA RED 17-04-2030 | 7.07% | 9.15% |
| 7.38% GOVT OF INDIA RED 20-06-2027 | 3.53% | 9.14% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 10.6% means 10.6% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund
| Security | % of fund |
|---|---|
| 7.32% GOVT OF INDIA RED 13-11-2030 | 21.33% |
| 6.9% MAHARASHTRA SDL RED 04-02-2030 | 17.27% |
| 7.17% GUJARAT SDL RED 08-01-2030 | 10.44% |
| 7.10% GOVT OF INDIA RED 18-04-2029 | 9.91% |
| 7.06% GOVT OF INDIA RED 10-04-2028 | 5.65% |
Largest holdings only in Tata Retirement Savings Fund Conservative
| Security | % of fund |
|---|---|
| GOI - 6.79% (07/10/2034) | 20.67% |
| GOI - 6.36% (16/02/2031) | 8.89% |
| GOI - 7.36% (12/09/2052) | 5.85% |
| GOI - 6.90% (15/04/2065) | 5.42% |
| ** 07.51 % SHIVSHAKTI SECURITISATION TRUST - 28/09/2029 | 2.88% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index | Tata Retirement Savings Fund Conservative |
|---|---|---|
| Equity | 0.0% | 27.1% |
| Debt | 97.0% | 62.0% |
| Cash and others | 3.0% | 10.9% |
Market cap of stocks
| Market cap | Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index | Tata Retirement Savings Fund Conservative |
|---|---|---|
| Large Cap | -- | 14.8% |
| Mid Cap | -- | 5.9% |
| Small Cap | -- | 6.0% |
| Not on AMFI's list | -- | 0.4% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index | Tata Retirement Savings Fund Conservative |
|---|---|---|
| Capital Markets | 0.0% | 3.4% |
| Banks | 0.0% | 2.7% |
| Chemicals & Petrochemicals | 0.0% | 1.5% |
| Consumer Durables | 0.0% | 1.4% |
| Industrial Products | 0.0% | 1.4% |
| Automobiles | 0.0% | 1.3% |
The six largest sectors of each fund's stocks, % of the fund.
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index vs Tata Retirement Savings Fund Conservative: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund | Tata Retirement Savings Fund Conservative |
|---|---|---|
| Total expense ratio (Direct) | 0.20% | 1.04% |
| Base expense ratio (Direct) | 0.17% | 0.85% |
| Total expense ratio (Regular) | 0.57% | 2.16% |
| Base expense ratio (Regular) | 0.50% | 1.83% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund vs Tata Retirement Savings Fund Conservative: Frequently Asked Questions
What is the difference between Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund and Tata Retirement Savings Fund Conservative?
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund is an Index fund, Tata Retirement Savings Fund Conservative is a Solution fund, run by Edelweiss Mutual Fund and Tata Mutual Fund. Their portfolios overlap 10.6%. Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund charges 0.20% a year and Tata Retirement Savings Fund Conservative 1.04%.
Which has given higher returns, Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund or Tata Retirement Savings Fund Conservative?
Over 1 year: Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund +3.71%, Tata Retirement Savings Fund Conservative +0.92%. Over 3 years: Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund +6.87% a year, Tata Retirement Savings Fund Conservative +7.22% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund or Tata Retirement Savings Fund Conservative?
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund charges less: 0.20% a year against 1.04%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund and Tata Retirement Savings Fund Conservative overlap?
10.6%. They hold 2 of the same securities, the largest shared ones being 7.17% GOVT OF INDIA RED 17-04-2030, 7.38% GOVT OF INDIA RED 20-06-2027. From each fund's latest monthly portfolio.
Which is riskier, Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund or Tata Retirement Savings Fund Conservative?
On SEBI's riskometer, Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund is rated Low to Moderate and Tata Retirement Savings Fund Conservative Moderately High. Over 3 years, the standard deviation of daily returns was 1.00% and 4.74% a year.
Which is better for SIP, Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund or Tata Retirement Savings Fund Conservative?
Over the last 3 years, a monthly SIP of ₹10,000 from 03-10-2023 to 30-10-2026 grew to ₹4,04,075 in Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund (XIRR 5.7% a year) and ₹3,93,806 in Tata Retirement Savings Fund Conservative (XIRR 4.0% a year). Both received 37 instalments. Past returns do not promise future returns.
Can I invest in both Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund and Tata Retirement Savings Fund Conservative?
Yes. 10.6% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund and Tata Retirement Savings Fund Conservative?
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund: Hetul Raval, Dhawal Dalal. Tata Retirement Savings Fund Conservative: Sonam Udasi, Murthy Nagarajan, Amit Somani.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.