Motilal Oswal Quality Fund vs Tata Retirement Savings Fund Progressive
Direct Plan, Growth option · Data as on 30-10-2026
Motilal Oswal Quality Fund is a Thematic fund and Tata Retirement Savings Fund Progressive is a Solution fund. Motilal Oswal Quality Fund charges 4.78% a year and Tata Retirement Savings Fund Progressive 0.83% (Direct plans). Their portfolios overlap 23.4%: they hold 10 of the same securities.
Tata Retirement Savings Fund Progressive
Solution
- Expense ratio
- 0.83%
- NAV
- ₹78.90
Which is better, Motilal Oswal Quality or Tata Retirement Savings Fund Progressive? 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 Progressive costs less: 0.83% a year against 4.78% (Direct plans).
- Motilal Oswal Quality fell less in its worst fall since 22-09-2026: −6.1% against −9.2%.
- Tata Retirement Savings Fund Progressive holds more in large companies: 50.7% of the fund in large caps against 27.3%.
- Tata Retirement Savings Fund Progressive is the larger fund: ₹2,104 Cr against ₹40 Cr.
- Their portfolios overlap 23.4%: 10 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 | Motilal Oswal Quality Fund | Tata Retirement Savings Fund Progressive |
|---|---|---|
| Fund house | Motilal Oswal Mutual Fund | Tata Mutual Fund |
| Category | Thematic | Solution |
| AUM | ₹40 Cr (30-09-2026) | ₹2,104 Cr (30-09-2026) |
| NAV | ₹9.97 (Direct) | ₹78.90 (Direct) |
| Expense ratio (Direct) | 4.78% | 0.83% |
| Expense ratio (Regular) | 4.90% | 2.20% |
| Riskometer | Not available | Very High |
| Benchmark | Not available | Nifty 500 TRI |
| Launch date | Not available | 01-11-2011 |
| Minimum investment | Not available | ₹5,000 |
| Lock in | Not available | 5 years, or until retirement if earlier |
| Fund managers | Not available | Murthy Nagarajan, Sonam Udasi |
| Exit load | Not available | 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. |
Motilal Oswal Quality vs Tata Retirement Savings Fund Progressive: 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 |
|---|---|---|---|---|---|---|---|
| Motilal Oswal Quality Fund (Direct) | +0.93% | -- | -- | -- | -- | -- | -- |
| Tata Retirement Savings Fund Progressive (Direct) | −2.60% | −6.88% | −1.00% | −1.95% | +11.53% | +9.32% | +13.02% |
| Thematic average | −2.09% | -- | -- | -- | -- | -- | -- |
Category average: the average of the 235 Thematic funds, same plan type.
Motilal Oswal Quality vs Tata Retirement Savings Fund Progressive: Year-wise Returns
| Year | Motilal Oswal QualityMotilal Oswal Quality | Tata Retirement Savings Fund ProgressiveTata Retirement Savings Fund Progressive |
|---|---|---|
| 2026to date | -- | −1.40% |
| 2025 | -- | +0.24% |
| 2024 | -- | +23.49% |
| 2023 | -- | +30.88% |
| 2022 | -- | −2.43% |
| 2021 | -- | +25.20% |
Motilal Oswal Quality vs Tata Retirement Savings Fund Progressive: Rolling Returns
Every holding period of both funds, against NIFTY200 Quality 30 TRI, the benchmark of Motilal Oswal Quality Fund
Motilal Oswal Quality vs Tata Retirement Savings Fund Progressive: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Motilal Oswal Quality Fund (Direct) | Tata Retirement Savings Fund Progressive (Direct) |
|---|---|---|
| Return (CAGR) | −7.00% | +14.40% |
| Standard deviation | 18.36% | 15.13% |
| Sharpe ratio | -0.68 | 0.55 |
| Sortino ratio | -0.97 | 0.75 |
| Maximum drawdown | −6.1% (23-10-2026) | −34.2% (23-03-2020) |
| Beta | 0.70 | 0.92 |
| Alpha | +9.36% | +2.18% |
From daily NAVs, 22-09-2026 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.
Motilal Oswal Quality Fund (Direct)
Tata Retirement Savings Fund Progressive (Direct)
NIFTY200 Quality 30 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Motilal Oswal Quality Fund (Direct) | −6.1% | 13-10-2026 | 23-10-2026 | Not yet | -- | −1.5% |
| Tata Retirement Savings Fund Progressive (Direct) | −9.2% | 23-09-2026 | 23-10-2026 | Not yet | -- | −7.1% |
| NIFTY200 Quality 30 TRI | −5.5% | 23-09-2026 | 08-10-2026 | Not yet | -- | −3.2% |
From daily values since 22-09-2026, the first day every fund has.
Motilal Oswal Quality vs Tata Retirement Savings Fund Progressive: Portfolio Overlap
From each fund's latest monthly portfolio: Motilal Oswal Quality Fund, September 2026; Tata Retirement Savings Fund Progressive, September 2026
Holdings in common
- Overlap
- 23.4%
- Held by both
- 10
- Only in Motilal Oswal Quality
- 9
- Only in Tata Retirement Savings Fund Progressive
- 42
| Security | % of Motilal Oswal Quality | % of Tata Retirement Savings Fund Progressive |
|---|---|---|
| Eternal Limited | 4.21% | 4.11% |
| Multi Commodity Exchange of India Limited | 3.82% | 3.81% |
| Solar Industries India Limited | 2.97% | 5.39% |
| Dixon Technologies (India) Limited | 2.85% | 2.02% |
| One 97 Communications Limited | 4.47% | 2.01% |
| Titan Company Limited | 2.43% | 1.96% |
| Nippon Life India Asset Management Limited | 3.20% | 1.88% |
| Billionbrains Garage Ventures Ltd | 3.35% | 1.82% |
| Apollo Hospitals Enterprise Limited | 2.67% | 1.40% |
| Muthoot Finance Limited | 3.25% | 1.38% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 23.4% means 23.4% 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 Motilal Oswal Quality Fund
| Security | % of fund |
|---|---|
| Aditya Infotech Limited | 4.82% |
| Shaily Engineering Plastics Limited | 3.73% |
| Acutaas Chemicals Limited | 3.36% |
| Lenskart Solutions Limited | 3.23% |
| Samvardhana Motherson International Limited | 2.93% |
Largest holdings only in Tata Retirement Savings Fund Progressive
| Security | % of fund |
|---|---|
| ICICI BANK LTD | 4.97% |
| RELIANCE INDUSTRIES LTD | 3.66% |
| RADICO KHAITAN LTD | 3.17% |
| ADANI PORTS AND SPECIAL ECONOMIC ZONE LTD | 2.46% |
| KOTAK MAHINDRA BANK LTD | 2.28% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Motilal Oswal Quality | Tata Retirement Savings Fund Progressive |
|---|---|---|
| Equity | 59.7% | 93.5% |
| Debt | 0.0% | 0.0% |
| Cash and others | 40.3% | 6.5% |
Market cap of stocks
| Market cap | Motilal Oswal Quality | Tata Retirement Savings Fund Progressive |
|---|---|---|
| Large Cap | 27.3% | 50.7% |
| Mid Cap | 20.4% | 21.2% |
| Small Cap | 12.0% | 19.9% |
| Not on AMFI's list | 0.0% | 1.8% |
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 | Motilal Oswal Quality | Tata Retirement Savings Fund Progressive |
|---|---|---|
| Capital Markets | 10.4% | 11.6% |
| Banks | 0.0% | 10.5% |
| Consumer Durables | 9.0% | 4.0% |
| Retailing | 7.4% | 4.1% |
| Finance | 5.9% | 3.9% |
| Chemicals & Petrochemicals | 3.0% | 5.4% |
| Industrial Products | 0.0% | 4.9% |
| Industrial Manufacturing | 4.8% | 0.0% |
| Financial Technology (Fintech) | 4.5% | 3.6% |
| Beverages | 0.0% | 4.2% |
The six largest sectors of each fund's stocks, % of the fund.
Motilal Oswal Quality vs Tata Retirement Savings Fund Progressive: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Motilal Oswal Quality Fund | Tata Retirement Savings Fund Progressive |
|---|---|---|
| Total expense ratio (Direct) | 4.78% | 0.83% |
| Base expense ratio (Direct) | 1.99% | 0.57% |
| Total expense ratio (Regular) | 4.90% | 2.20% |
| Base expense ratio (Regular) | 2.09% | 1.75% |
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.
More comparisons
Each fund against the others of its category
Motilal Oswal Quality Fund vs Tata Retirement Savings Fund Progressive: Frequently Asked Questions
What is the difference between Motilal Oswal Quality Fund and Tata Retirement Savings Fund Progressive?
Motilal Oswal Quality Fund is a Thematic fund, Tata Retirement Savings Fund Progressive is a Solution fund, run by Motilal Oswal Mutual Fund and Tata Mutual Fund. Their portfolios overlap 23.4%. Motilal Oswal Quality Fund charges 4.78% a year and Tata Retirement Savings Fund Progressive 0.83%.
Which has the lower expense ratio, Motilal Oswal Quality Fund or Tata Retirement Savings Fund Progressive?
Tata Retirement Savings Fund Progressive charges less: 0.83% a year against 4.78%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Motilal Oswal Quality Fund and Tata Retirement Savings Fund Progressive overlap?
23.4%. They hold 10 of the same securities, the largest shared ones being ETERNAL, MCX, SOLARINDS. From each fund's latest monthly portfolio.
Can I invest in both Motilal Oswal Quality Fund and Tata Retirement Savings Fund Progressive?
Yes. 23.4% of each fund's money sits in the same holdings, so some of the two investments would move together.
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.