Tata Retirement Savings Fund Progressive is a mutual fund run by Tata Mutual Fund. On 30-09-2026, it managed ₹2,104 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 11.5% a year and its Regular plan returned 9.9% a year. Its benchmark, Nifty 500 TRI, returned 10.2% a year over the same 3 years.
NAV (Direct plan)
₹78.90
▼ 0.76% · 30-10-2026
NAV (Regular plan)
₹63.79
▼ 0.77% · 30-10-2026
Expense ratio
0.83%Direct2.20%Regular
0.83%
A year
Riskometer
Very High
Set by the fund house
3 year return
11.5%Direct9.9%Regular
11.5%
A year
Tata Retirement Savings Fund Progressive NAV Today
NAV on 30-10-2026: Direct Plan Growth ₹78.90 (down 0.76% that day); Regular Plan Growth ₹63.79 (down 0.77% that day).
This fund (Direct plan)
₹78.8951
Tata Retirement Savings Fund Progressive Returns vs Nifty 500 TRI
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
Trailing returns
Period
1M
3M
6M
1Y
3Y
5Y
10Y
This fund (Direct)
−2.60%
−6.88%
−1.00%
−1.95%
+11.53%
+9.32%
+13.02%
This fund (Regular)
−2.71%
−7.21%
−1.69%
−3.32%
+9.92%
+7.71%
+11.36%
Nifty 500 TRI
−0.75%
−6.05%
−2.83%
−7.34%
+10.22%
+8.81%
+12.51%
Category average
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Worst in category
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No category comparison is shown: this fund's category is too broad to compare, or has fewer than five funds.
Tata Retirement Savings Fund Progressive Year-wise Returns
Return of each calendar year
Year
Direct
Regular
Nifty 500 TRI
2026to date
−1.40%
−2.54%
−7.51%
2025
+0.24%
−1.22%
+7.76%
2024
+23.49%
+21.69%
+16.24%
2023
+30.88%
+28.97%
+26.91%
2022
−2.43%
−3.94%
+4.25%
2021
+25.20%
+23.27%
+31.60%
Tata Retirement Savings Fund Progressive Rolling Returns
The return of every holding period in the fund's history, not only the one that ends today
Rolling returns
Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 2,666 periods, one for each trading day from 04-01-2016 to 30-10-2026.
−10%0%10%20%30%40%
Tata Retirement Savings Fund Progressive (Direct)
Nifty 500 TRI
Nov 2013 to Nov 2016Sept 2015 to Sept 2018Jul 2017 to Jul 2020May 2019 to May 2022Mar 2021 to Mar 2024Dec 2022 to Dec 2025
Tata Retirement Savings Fund Progressive (Direct)Nifty 500 TRI
0%
2%
Below 0%
3%
4%
0-5%
6%
8%
5-10%
25%
37%
10-15%
48%
35%
15-20%
14%
11%
20-25%
4%
3%
Above 25%
Every holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Benchmark median
Beat benchmark
1 year
3,152
14.6%
−25.7%
79.1%
17%
11.3%
60%
2 years
2,911
17.5%
−10.7%
41.8%
3%
15.3%
70%
3 years
2,666
16.7%
−1.7%
28.8%
0%
14.9%
64%
5 years
2,171
15.7%
3.4%
26.3%
0%
14.8%
51%
7 years
1,682
14.7%
11.1%
20.2%
0%
14.2%
52%
10 years
939
15.4%
12.5%
18.5%
0%
14.5%
96%
Every SIP holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Benchmark median
Beat benchmark
1 year
154
15.1%
−36.8%
64.5%
18%
12.4%
58%
2 years
142
15.7%
−18.6%
47.4%
4%
12.4%
62%
3 years
130
15.7%
−11.1%
29.1%
2%
14.8%
63%
5 years
106
14.5%
0.2%
25.1%
0%
15.5%
42%
7 years
82
14.7%
6.5%
20.2%
0%
15.3%
35%
10 years
46
15.0%
11.8%
18.2%
0%
15.2%
43%
Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat benchmark" counts the periods in which the fund did better than Nifty 500 TRI over the same days. Past returns do not promise future returns.
Tata Retirement Savings Fund Progressive Risk
How much it swings, and the falls an investor had to sit through
Risk and return
Measure
Tata Retirement Savings Fund Progressive (Direct)This fund
Nifty 500 TRI
Return (CAGR)
−1.95%
−7.34%
Standard deviation
14.59%
14.48%
Sharpe ratio
-0.49
-0.87
Sortino ratio
-0.66
-1.16
Maximum drawdown
−14.1%
(31-03-2026)
−14.7%
(30-03-2026)
Beta
0.96
1.00
Alpha
+4.89%
0.00%
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: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.
Measure
Tata Retirement Savings Fund Progressive (Direct)This fund
Nifty 500 TRI
Return (CAGR)
+11.53%
+10.22%
Standard deviation
14.52%
14.30%
Sharpe ratio
0.38
0.29
Sortino ratio
0.51
0.40
Maximum drawdown
−18.8%
(03-03-2025)
−18.6%
(28-02-2025)
Beta
0.96
1.00
Alpha
+1.47%
0.00%
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: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.
Measure
Tata Retirement Savings Fund Progressive (Direct)This fund
Nifty 500 TRI
Return (CAGR)
+9.32%
+8.81%
Standard deviation
14.06%
14.36%
Sharpe ratio
0.25
0.21
Sortino ratio
0.33
0.28
Maximum drawdown
−18.8%
(03-03-2025)
−18.6%
(28-02-2025)
Beta
0.93
1.00
Alpha
+0.71%
0.00%
From daily NAVs, 29-10-2021 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: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.
Measure
Tata Retirement Savings Fund Progressive (Direct)This fund
Nifty 500 TRI
Return (CAGR)
+13.02%
+12.51%
Standard deviation
15.45%
16.04%
Sharpe ratio
0.49
0.44
Sortino ratio
0.66
0.59
Maximum drawdown
−34.2%
(23-03-2020)
−38.1%
(23-03-2020)
Beta
0.92
1.00
Alpha
+1.04%
0.00%
From daily NAVs, 28-10-2016 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: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.
Measure
Tata Retirement Savings Fund Progressive (Direct)This fund
Nifty 500 TRI
Return (CAGR)
+14.40%
+12.76%
Standard deviation
15.13%
15.84%
Sharpe ratio
0.55
0.42
Sortino ratio
0.75
0.57
Maximum drawdown
−34.2%
(23-03-2020)
−38.1%
(23-03-2020)
Beta
0.92
1.00
Alpha
+2.18%
0.00%
From daily NAVs, 04-01-2013 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: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.
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.
−40%−30%−20%−10%0%
Tata Retirement Savings Fund Progressive (Direct)
Nifty 500 TRI
2014201620182020202220242026
Tata Retirement Savings Fund Progressive (Direct)Nifty 500 TRI
Worst fall
High before it
Bottom
Back at the high
Time to climb back
Below its high today
Tata Retirement Savings Fund Progressive (Direct)
−34.2%
12-02-2020
23-03-2020
08-10-2020
7 months
−9.2%
Nifty 500 TRI
−38.1%
17-01-2020
23-03-2020
06-11-2020
7 months
−8.8%
From the Direct plan's daily NAV since 04-01-2013, adjusted for unit splits, and Nifty 500 TRI over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.
Tata Retirement Savings Fund Progressive Expense Ratio and Costs
What each plan charges a year, in force from 22-10-2026
Plan
Base expense ratio
Brokerage
Transaction costs
Levies and GST
Total expense ratio
Direct
0.57%
0.05%
0.00%
0.21%
0.83%
Regular
1.75%
0.05%
0.00%
0.40%
2.20%
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, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file.
Direct vs Regular: what the gap cost
Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.
Over the last
Regular
Direct
Direct earned more by
₹1 lakh became (Regular)
₹1 lakh became (Direct)
1 year
−3.32%
−1.95%
1.37%
₹96,680
₹98,050
3 years
9.92%
11.53%
1.61% a year
₹1,32,810
₹1,38,732
5 years
7.71%
9.32%
1.61% a year
₹1,44,971
₹1,56,134
10 years
11.36%
13.02%
1.66% a year
₹2,93,287
₹3,40,058
Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.
Tata Retirement Savings Fund Progressive SIP Calculator
What a one-time or monthly investment in this fund would be worth today, from its own NAV history
Growth of an investment
Step up each year
PeriodFor
₹10,000 on the first trading day of every month, from 04-01-2013 to 30-10-2026: 166 instalments, ₹16,60,000 in all.
Investment
Invested
Value now
Gain
Return a year
Direct planTata Retirement Savings Fund Progressive (Direct)
₹16,60,000
₹45,73,245
₹29,13,245
13.6%
Regular planTata Retirement Savings Fund Progressive (Regular)
₹16,60,000
₹39,91,756
₹23,31,756
11.9%
Nifty 500 TRI
₹16,60,000
₹42,31,579
₹25,71,579
12.6%
₹0₹10.0 L₹20.0 L₹30.0 L₹40.0 L₹50.0 L
Direct planTata Retirement Savings Fund Progressive (Direct)
Regular planTata Retirement Savings Fund Progressive (Regular)
Nifty 500 TRI
Amount invested
2014201620182020202220242026
Direct planTata Retirement Savings Fund Progressive (Direct)Regular planTata Retirement Savings Fund Progressive (Regular)Nifty 500 TRIAmount invested
From each plan's published NAV (Growth option), the benchmark's TRI, 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.
Tata Retirement Savings Fund Progressive Asset Allocation
Asset allocation as on 30-09-2026
What the fund holds
93.5%Equity
Asset
Fund
Equity
93.5%
Cash and others
6.5%
Market cap of stocks
Market cap
Fund
Large Cap
50.7%
Mid Cap
21.2%
Small Cap
19.9%
Not on AMFI's list
1.8%
Share of the whole fund. Groups follow AMFI's latest list, as SEBI defines them: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Tata Retirement Savings Fund Progressive Sector Allocation
Sector allocation of the fund's stocks as on 30-09-2026
Largest sectors
Capital Markets11.6%
Banks10.5%
Chemicals & Petrochemicals5.4%
Industrial Products4.9%
Beverages4.2%
Retailing4.1%
Consumer Durables4.0%
Finance3.9%
Petroleum Products3.7%
Pharmaceuticals & Biotechnology3.6%
The ten largest of 26 sectors. The other 16 add up to 37.6%.
Sector changes
Sector
July 2026
August 2026
September 2026
Change
Capital Markets
11.8%
11.6%
11.6%
−0.2%
Banks
10.3%
10.4%
10.5%
+0.2%
Chemicals & Petrochemicals
5.0%
5.4%
5.4%
+0.4%
Industrial Products
5.7%
5.2%
4.9%
−0.8%
Beverages
4.3%
3.9%
4.2%
−0.1%
Each sector's share of the fund at the end of each month. The five largest sectors of September 2026. Change: from July 2026 to September 2026, in % of the fund.
Tata Retirement Savings Fund Progressive Portfolio Holdings
As on 30-09-2026 · 52 holdings · from the fund house's monthly portfolio
Holdings
Sector
Weight%
Holdings trend
1M change
SOLAR INDUSTRIES INDIA LTD
Chemicals & Petrochemicals
5.39%
−4.5%
ICICI BANK LTD
Banks
4.97%
0.0%
ETERNAL LTD
Retailing
4.11%
0.0%
MULTI COMMODITY EXCHANGE OF IND LTD
Capital Markets
3.81%
0.0%
RELIANCE INDUSTRIES LTD
Petroleum Products
3.66%
0.0%
RADICO KHAITAN LTD
Beverages
3.17%
0.0%
ADANI PORTS AND SPECIAL ECONOMIC ZONE LTD
Transport Infrastructure
2.46%
0.0%
KOTAK MAHINDRA BANK LTD
Banks
2.28%
0.0%
360 ONE WAM LTD
Capital Markets
2.25%
0.0%
KARUR VYSYA BANK LTD
Banks
2.14%
0.0%
RAINBOW CHILDRENS MEDICARE LTD
Healthcare Services
2.14%
0.0%
EXIDE INDUSTRIES LTD
Auto Components
2.12%
0.0%
COAL INDIA LTD
Consumable Fuels
2.05%
0.0%
DIXON TECHNOLOGIES (INDIA) LTD
Consumer Durables
2.02%
0.0%
SUN PHARMACEUTICAL INDUSTRIES LTD
Pharmaceuticals & Biotechnology
2.02%
0.0%
ONE 97 COMMUNICATIONS LTD
Financial Technology (Fintech)
2.01%
+7.7%
TITAN COMPANY LTD
Consumer Durables
1.96%
0.0%
FUJIYAMA POWER SYSTEMS LTD
Electrical Equipment
1.89%
0.0%
NIPPON LIFE INDIA ASSET MANAGEMENT LTD
Capital Markets
1.88%
0.0%
BSE LTD
Capital Markets
1.85%
0.0%
POLYCAB INDIA LTD
Industrial Products
1.83%
−11.1%
BILLIONBRAINS GARAGE VENTURES LTD (GROWW)
Capital Markets
1.82%
0.0%
KIRLOSKAR PNEUMATIC COMPANY LTD
Industrial Products
1.77%
0.0%
TATA CONSUMER PRODUCTS LTD
Agricultural Food & other Products
1.73%
0.0%
DOMS INDUSTRIES LTD
Household Products
1.71%
0.0%
HCL TECHNOLOGIES LTD
IT - Software
1.68%
0.0%
NESTLE INDIA LTD
Food Products
1.68%
0.0%
OIL INDIA LTD
Oil
1.63%
0.0%
PB FINTECH LTD
Financial Technology (Fintech)
1.55%
0.0%
ATHER ENERGY LTD
Automobiles
1.51%
0.0%
ADANI POWER LTD
Power
1.50%
0.0%
APOLLO HOSPITALS ENTERPRISE LTD
Healthcare Services
1.40%
0.0%
MUTHOOT FINANCE LTD
Finance
1.38%
0.0%
BIKAJI FOODS INTERNATIONAL LTD
Food Products
1.34%
0.0%
GRASIM INDUSTRIES LTD
Cement & Cement Products
1.31%
0.0%
GRINDWELL NORTON LTD
Industrial Products
1.28%
0.0%
GODREJ INDUSTRIES LTD
Diversified
1.25%
0.0%
RBL BANK LTD
Banks
1.15%
0.0%
ADANI ENERGY SOLUTIONS LTD
Power
1.12%
0.0%
ABBOTT INDIA LTD
Pharmaceuticals & Biotechnology
1.04%
0.0%
SHRIRAM FINANCE LTD
Finance
1.01%
0.0%
THE RAMCO CEMENTS LTD
Cement & Cement Products
1.01%
0.0%
VARUN BEVERAGES LTD
Beverages
1.00%
+3.9%
MARUTI SUZUKI INDIA LTD
Automobiles
0.92%
0.0%
DIAMOND POWER INFRASTRUCTURE LTD
Electrical Equipment
0.90%
0.0%
TATA CONSULTANCY SERVICES LTD
IT - Software
0.88%
0.0%
CREDITACCESS GRAMEEN LTD
Finance
0.87%
0.0%
MANAPPURAM FINANCE LTD
Finance
0.68%
0.0%
VEDANTA ALUMINIUM METAL LTD
Non - Ferrous Metals
0.65%
0.0%
ZENSAR TECHNOLOGIES LTD
IT - Software
0.60%
0.0%
GODREJ AGROVET LTD
Food Products
0.57%
0.0%
GLAXOSMITHKLINE PHARMACEUTICALS LTD
Pharmaceuticals & Biotechnology
0.56%
0.0%
Tata Retirement Savings Fund Progressive Stocks Bought and Sold
All changes are between August 2026 and September 2026
More
Stocks bought and sold in September 2026
SOLAR INDUSTRIES INDIA LTD
↓Reduced
−4.5%
5.39%
POLYCAB INDIA LTD
↓Reduced
−11.1%
1.83%
ONE 97 COMMUNICATIONS LTD
↑Added
+7.7%
2.01%
VARUN BEVERAGES LTD
↑Added
+3.9%
1.00%
METRO BRANDS LTD
↓Sold out
−100%
was 0.59%
No stocks in this group for September 2026.
A change is counted by the number of shares the fund holds, not by price. A stock can become a smaller part of the fund in a month when the fund bought more of it, if its price fell. Debt papers are left out.
Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.
Tata Retirement Savings Fund Progressive Overview
Fund facts from the scheme summary document, as on 16-10-2026
Expense ratio (Direct)
0.83%
Expense ratio (Regular)
2.20%
Category
Solution
Risk
Very High
Benchmark
Nifty 500 TRI
Launch date
01-11-2011
Minimum investment
₹5,000
Minimum additional investment
₹1,000
AUM
₹2,104.38 Cr (30-09-2026)
Lock in
5 years, or until retirement if earlier
Scheme code (Direct)
119251
ISIN (Direct)
INF277K01QO1
Scheme code (Regular)
115942
ISIN (Regular)
INF277K01FG0
NAV history
From 04-01-2013, 13.8 years
Exit load
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.
Tax on Tata Retirement Savings Fund Progressive returns
How the gain is taxed depends on what the fund holds. A fund with 65% or more in Indian stocks is taxed as an equity fund: 20% within 1 year, 12.5% after, on gains above ₹1.25 lakh a year.
A fund with 65% or more in debt is taxed at your slab rate. Any other fund: your slab rate within 2 years, 12.5% after.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.
Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.
All plans and options
Plan
Option
NAV
As on
direct
Growth
₹78.8951
30-10-2026
regular
Growth
₹63.7894
30-10-2026
About Tata Retirement Savings Fund Progressive
Tata Retirement Savings Fund Progressive is a mutual fund from Tata Mutual Fund. Its category is Solution. It was launched on 01-11-2011. Its benchmark is Nifty 500 TRI. At the end of September 2026 it held 52 securities.
Fund Manager
Murthy Nagarajan
Fund manager of Tata Retirement Savings Fund Progressive, since 01-04-2017
Sonam Udasi
Fund manager of Tata Retirement Savings Fund Progressive, since 01-04-2016
Frequently Asked Questions for Tata Retirement Savings Fund Progressive
What is the current NAV of Tata Retirement Savings Fund Progressive?
The Direct plan NAV is ₹78.8951. The Regular plan NAV is ₹63.7894, as on 30-10-2026.
What are the returns of Tata Retirement Savings Fund Progressive?
The Direct plan returned −1.95% in 1 year, +11.53% a year over 3 years, +9.32% a year over 5 years. The Regular plan returned −3.32% in 1 year, +9.92% a year over 3 years, +7.71% a year over 5 years. These figures are as on 30-10-2026.
What is the expense ratio of Tata Retirement Savings Fund Progressive?
The Direct plan charges 0.83% a year. The Regular plan charges 2.20% a year. This is the figure the fund house reported to AMFI, in force from 22-10-2026.
What is the AUM of Tata Retirement Savings Fund Progressive?
Tata Retirement Savings Fund Progressive managed ₹2,104.38 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.
What are the top holdings of Tata Retirement Savings Fund Progressive?
At the end of September 2026 the largest holdings were SOLARINDS (5.39%), ICICIBANK (4.97%), ETERNAL (4.11%), MCX (3.81%), RELIANCE (3.66%). The fund held 52 securities in all.
What did Tata Retirement Savings Fund Progressive buy and sell in September 2026?
It sold out of 1: METRO BRANDS LTD. It added shares in 2. It reduced 2.
How do I invest in Tata Retirement Savings Fund Progressive?
Through Tata Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least ₹5,000. You can invest once or through a monthly SIP.
Who is the fund manager of Tata Retirement Savings Fund Progressive?
Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.
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.
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