Tata Retirement Savings Fund-Conservative Plan NAV Today
Tata Retirement Savings Fund-Conservative Plan NAV is ₹38.58 as of 4 Nov 2026, up 3.07% over 1 year, 7 of 29 in Retirement Fund.
Tata Mutual Fund · Direct Plan, Growth option · NAV from AMFI, updated each business day
NAV
₹38.58
4 Nov 2026
1-year return
+3.07%
Category +1.2%
Category rank (1Y)
7 of 29
Retirement Fund
3-year return
+7.88%
a year, compounded
Returns
| Period | This fund | Category average | Difference | Rank in category |
|---|---|---|---|---|
| 1 month | +1.14% | +2.11% | -0.97 pts | — |
| 6 months | +2.39% | +2.42% | -0.03 pts | — |
| 1 year | +3.07% | +1.2% | +1.87 pts | 7 of 29 |
| 3 years (a year) | +7.88% | +10.47% | -2.59 pts | 20 of 27 |
| 5 years (a year) | +6.62% | +8.94% | -2.32 pts | 21 of 25 |
3- and 5-year figures are compound annual returns; shorter periods are absolute.
NAV history
₹5,000 a month in Tata Retirement Savings Fund-Conservative Plan
What a monthly SIP started 1, 3 or 5 years ago is worth at the latest NAV.
SIP for 1 year
₹61,082
Invested ₹60,000
XIRR 3.84% a year
SIP for 3 years
₹1,93,342
Invested ₹1,80,000
XIRR 4.91% a year
SIP for 5 years
₹3,55,166
Invested ₹3,00,000
XIRR 6.86% a year
₹1 lakh invested at once
1 year ago
₹1,03,070
3 years ago
₹1,25,552
5 years ago
₹1,37,782
Direct vs Regular plan
The Regular plan pays a distributor commission out of the fund, so the same portfolio returns less. ₹1 lakh over 3 years grew to ₹1,23,885 in Direct and ₹1,19,594 in Regular, a difference of ₹4,291.
| Period | Direct | Regular | Gap |
|---|---|---|---|
| 1 year | +3.68% | +2.47% | 1.21 pts a year |
| 3 years | +7.4% | +6.15% | 1.25 pts a year |
Month-end NAVs to 30 Sept 2026.
How consistent it has been
1-year periods ahead of the Retirement Fund average
31%
36 rolling 1-year periods, month by month, over 3 years
Worst 1-year return in that time
+1.02%
Year to 30 Oct 2026
Other Retirement Fund schemes
| Name | NAV | 1Y | 3Y | 5Y |
|---|---|---|---|---|
| Aditya Birla Sun Life Retirement Fund-The 30s PlanAditya Birla Sun Life Mutual Fund | 25.08 | +10.74% | +17.38% | +12.25% |
| ICICI Prudential Retirement Fund Hybrid Conservative PlanICICI Prudential Mutual Fund | 20.04 | +3.88% | +9.68% | +8.53% |
| Tata Retirement Savings Fund-Progressive PlanTata Mutual Fund | 82.40 | +3.86% | +13.17% | +10.28% |
| ICICI Prudential Retirement Fund Pure Debt PlanICICI Prudential Mutual Fund | 17.23 | +3.84% | +6.52% | +5.91% |
| Tata Retirement Savings Fund-Moderate PlanTata Mutual Fund | 79.97 | +3.56% | +12.49% | +10.14% |
| Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt PlanAditya Birla Sun Life Mutual Fund | 14.96 | +3.16% | +5.85% | +5.05% |
| Aditya Birla Sun Life Retirement Fund-The 50s PlanAditya Birla Sun Life Mutual Fund | 16.69 | +2.85% | +8.22% | +6.95% |
| Union Retirement FundUnion Mutual Fund | 17.00 | +2.6% | +13.36% | — |
All Retirement Fund schemes ranked →
Plans and options
| Plan | Option | NAV | Scheme code |
|---|---|---|---|
| Direct Plan | Growth Option | 38.58 | 119256 |
| Regular Plan | Growth Option | 32.45 | 115944 |
NAVs as of 4 Nov 2026. This page follows the Direct plan, Growth option.
Fund details
- Fund house
- Tata Mutual Fund
- Category
- Retirement Fund
- ISIN
- INF277K01QM5
- AMFI scheme code
- 119256
- NAV history from
- 29 Oct 2021
More schemes from Tata Mutual Fund
| Name | NAV | 1Y | 3Y | 5Y |
|---|---|---|---|---|
| Tata Silver ETF Fund of FundTata Mutual Fund | 24.30 | +23.68% | — | — |
| Tata Nifty MidSmall Healthcare Index FundTata Mutual Fund | 15.44 | +19.28% | — | — |
| Tata Nifty Capital Markets Index FundTata Mutual Fund | 14.77 | +17.17% | — | — |
| Tata Gold ETF Fund of FundTata Mutual Fund | 21.61 | +16.11% | — | — |
| Tata India Pharma & Healthcare FundTata Mutual Fund | 38.68 | +7.96% | +20.38% | +15.48% |
| Tata Ultra Short Term FundTata Mutual Fund | 16.29 | +6.82% | +7.48% | +6.85% |
| Tata Arbitrage FundTata Mutual Fund | 16.48 | +6.68% | +7.46% | +6.92% |
| Tata Liquid FundTata Mutual Fund | 4,521.66 | +6.43% | +6.95% | +6.44% |
Frequently asked questions
What is the NAV of Tata Retirement Savings Fund-Conservative Plan today?
Tata Retirement Savings Fund-Conservative Plan (Direct Plan, Growth option) has a NAV of ₹38.58 as of 4 Nov 2026, as published by AMFI. NAVs are declared once each business day.
What is the 1-year return of Tata Retirement Savings Fund-Conservative Plan?
+3.07% over the year to 4 Nov 2026, against an average of +1.2% for Retirement Fund schemes. Past returns do not indicate future returns.
What would a ₹5,000 monthly SIP in Tata Retirement Savings Fund-Conservative Plan be worth?
₹5,000 invested every month for the last 5 years (₹3,00,000 in total) is worth ₹3,55,166 at the latest NAV, an XIRR of 6.86% a year.
How much more does the Regular plan of Tata Retirement Savings Fund-Conservative Plan cost?
Over 3 years, ₹1 lakh grew to ₹1,23,885 in the Direct plan and ₹1,19,594 in the Regular plan. The gap is the distributor commission, which the Regular plan pays out of the fund.
Which category is Tata Retirement Savings Fund-Conservative Plan in?
Tata Retirement Savings Fund-Conservative Plan is a Retirement Fund scheme from Tata Mutual Fund.
NAVs from AMFI; index levels from NSE. Returns are past performance and do not indicate future returns. For information only; not investment advice.