Tata Retirement Savings Fund- Moderate Plan vs Union Retirement Fund
Retirement Fund · Direct Plan – Growth · Compared on official AMFI NAV data · NAVs as of 13-Jul-2026
| Metric | Tata Retirement Savings Fund- Moderate Plan | Union Retirement Fund |
|---|---|---|
| Latest NAV | ₹81.62 | ₹17.5 |
| 1-Year Return | +4.27% | +6.58% |
| 3-Year Return (CAGR) | +15.78% | +17.56% |
| 5-Year Return (CAGR) | N/A | N/A |
| Volatility (1Y, annualised) | 12.2% | 14.2% |
| Max Drawdown | −15.1% | −17.8% |
| Fund House | Tata Mutual Fund | Union Mutual Fund |
Growth of ₹10,000
If you had invested ₹10,000 in each fund
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Tata Retirement Savings Fund- Moderate Plan vs Union Retirement Fund: which is better?
Tata Retirement Savings Fund- Moderate Plan and Union Retirement Fund are both retirement fund mutual funds (direct plan, growth option). This comparison uses each fund's official AMFI NAV history — the same daily data the fund houses publish — to compare returns, volatility and drawdowns side by side.
On 3-year returns (annualised), Union Retirement Fund leads with +17.56% against +15.78% — a gap of about 1.79 percentage points per year over that period.
Tata Retirement Savings Fund- Moderate Plan has been the steadier fund over the past year, with annualised volatility of 12.2% versus 14.2%. Looking at worst falls, Tata Retirement Savings Fund- Moderate Plan's deepest drawdown in the stored history is −15.1% against −17.8% for Union Retirement Fund.
Which fund suits you depends on your horizon and appetite for swings: the higher-return fund is only the better pick if you can hold through its rougher months. Use the ₹10,000 growth chart above to see how each fund actually behaved through market cycles, and consider consulting a SEBI-registered adviser before investing. This comparison is informational, not investment advice.
Key takeaways
- Union Retirement Fund has delivered higher 3-year returns (+17.56% vs +15.78%).
- Tata Retirement Savings Fund- Moderate Plan has shown lower volatility over the trailing year.
- Tata Retirement Savings Fund- Moderate Plan has had the shallower maximum drawdown (−15.1%).
Frequently Asked Questions
Which fund has given higher returns — Tata Retirement Savings Fund- Moderate Plan or Union Retirement Fund?
Over the past 3 year period, Union Retirement Fund has delivered higher returns: +17.56% versus +15.78% annualised. Past performance does not guarantee future results.
Which fund is less risky — Tata Retirement Savings Fund- Moderate Plan or Union Retirement Fund?
Based on the trailing year, Tata Retirement Savings Fund- Moderate Plan has shown lower day-to-day volatility (Tata Retirement Savings Fund- Moderate Plan: 12.2%, Union Retirement Fund: 14.2% annualised). Volatility and drawdowns describe past behaviour, not future safety — both funds carry the market risk of their category.
Can I invest in both Tata Retirement Savings Fund- Moderate Plan and Union Retirement Fund?
Yes — many investors split a SIP across two funds. If both funds are from the same category, remember they will hold overlapping stocks, so diversification benefits may be smaller than they appear. Check each scheme's portfolio before doubling up within one category.
More Retirement Fund comparisons
Returns, volatility and drawdowns are computed from official AMFI NAV history for direct-growth plans and may differ slightly from fund-house factsheets due to date conventions. Mutual fund investments are subject to market risks. This comparison is for informational purposes only — not investment advice.