BANDHAN RETIREMENT FUND vs Tata Retirement Savings Fund-Moderate Plan
BANDHAN RETIREMENT FUND and Tata Retirement Savings Fund-Moderate Plan are both Retirement Funds. As of 5 Nov 2026 (Direct plan, Growth option): 3-year CAGR +10.52% vs +12.61%, 5-year CAGR — vs +10.30%, volatility 9.35% vs 14.28%, maximum drawdown −9.77% vs −29.64%. Their portfolios overlap by 15.9% (10 stocks held by both).
Showing the Direct plan, Growth option. Portfolio, sector and market-cap figures are the same for every plan and option of a fund.
Key facts
| BANDHAN RETIREMENT | Tata Retirement Savings Fund-Moderate Plan | |
|---|---|---|
| Fund house | Bandhan Mutual Fund | Tata Mutual Fund |
| Compared as | Retirement Funds | Retirement Funds |
| NAV | ₹13.4230 | ₹81.3060 |
| NAV date | 5 Nov 2026 | 5 Nov 2026 |
| Launched (first NAV) | 19 Oct 2023 | 4 Jan 2013 |
| Track record | 3.0 yrs | 13.8 yrs |
| Fund size (AUM) | ₹174 Cr | ₹2,115 Cr |
| Securities held | 51 | 66 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| BANDHAN RETIREMENT | Tata Retirement Savings Fund-Moderate Plan | |
|---|---|---|
| 1 month | +4.95% | +2.66% |
| 3 months | +0.26% | −1.81% |
| 6 months | +2.42% | +2.61% |
| 1 year | +1.47% | +4.91% |
| 3 years (CAGR) | +10.52% | +12.61% |
| 5 years (CAGR) | — | +10.30% |
| 7 years (CAGR) | — | +13.12% |
| 10 years (CAGR) | — | +13.05% |
| Since launch (CAGR) | +10.16% | +14.75% |
| SIP return (XIRR, 5 years) ⓘ | — | +11.30% |
Up to one year: absolute return. Beyond one year: CAGR. Computed from each fund's own NAV history (AMFI), measured to the latest NAV.
Calendar-year returns
| BANDHAN RETIREMENT | Tata Retirement Savings Fund-Moderate Plan | |
|---|---|---|
| 2026 (year to date) | +0.40% | +4.41% |
| 2025 | +8.38% | +2.48% |
| 2024 | +14.67% | +21.22% |
| 2023 | — | +27.12% |
| 2022 | — | −0.46% |
| 2021 | — | +22.26% |
Risk
| BANDHAN RETIREMENT | Tata Retirement Savings Fund-Moderate Plan | |
|---|---|---|
| Volatility (annualised) ⓘ | 9.35% | 14.28% |
| Downside volatility ⓘ | 6.66% | 9.47% |
| Sharpe ratio ⓘ | 0.43 | 0.43 |
| Sortino ratio ⓘ | 0.61 | 0.65 |
| Maximum drawdown ⓘ | −9.77% | −29.64% |
| Recovery from that fall | — | 6 months |
| Current fall from peak | −0.37% | −2.96% |
| Rolling 1-year return: worst | −4.64% | −22.52% |
| Rolling 1-year return: median | +6.11% | +13.67% |
| Rolling 1-year return: best | +25.81% | +76.53% |
| Share of 1-year periods with a loss | 7.99% | 13.43% |
Against each fund's benchmark
| BANDHAN RETIREMENT | Tata Retirement Savings Fund-Moderate Plan | |
|---|---|---|
| Beta ⓘ | 0.61 | 0.88 |
| Alpha (Jensen's, annualised) ⓘ | +1.02% | +2.64% |
| R² ⓘ | 94.09 | 82.97 |
| Upside capture | 72.35% | 98.42% |
| Downside capture | 55.49% | 81.83% |
| Tracking error | 6.22% | 6.18% |
| Information ratio | 0.11 | 0.42 |
| Treynor ratio | 4.29 | 5.18 |
Portfolio
Asset mix
| BANDHAN RETIREMENT | Tata Retirement Savings Fund-Moderate Plan | |
|---|---|---|
| Equity | 74.12% | 79.08% |
| Debt | 22.01% | 14.06% |
| Cash & equivalents | 3.87% | 6.86% |
Market-cap split (share of fund assets)
| BANDHAN RETIREMENT | Tata Retirement Savings Fund-Moderate Plan | |
|---|---|---|
| Large Cap | 58.47% | 43.08% |
| Mid Cap | 10.84% | 17.12% |
| Small Cap | 4.81% | 16.93% |
| Unclassified | 0.00% | 1.95% |
Concentration
| BANDHAN RETIREMENT | Tata Retirement Savings Fund-Moderate Plan | |
|---|---|---|
| Top 10 holdings | 60.53% | 29.64% |
| Effective number of stocks ⓘ | 14 | 55.2 |
| Securities held | 51 | 66 |
Portfolio overlap: 15.9%
10 companies are held by both funds; by weight, 15.9% of the two portfolios is the same. That is a low overlap: the two portfolios are largely different.
| Held by both | BANDHAN RETIREMENT | Tata Retirement Savings Fund-Moderate Plan |
|---|---|---|
| ICICI Bank Limited | 5.61% | 4.27% |
| Reliance Industries Limited | 6.56% | 3.23% |
| Kotak Mahindra Bank Limited | 4.37% | 1.90% |
| Titan Company Limited | 3.66% | 1.64% |
| Eternal Limited | 1.10% | 3.49% |
| Coal India Limited | 1.05% | 1.75% |
| Tata Consultancy Services Limited | 2.06% | 0.79% |
| Maruti Suzuki India Limited | 2.67% | 0.76% |
| Exide Industries Limited | 0.71% | 1.81% |
| Varun Beverages Limited | 0.45% | 0.85% |
Top 10 holdings
BANDHAN RETIREMENT
- 7.3% GOI (MD 19/06/2053)22.01%
- Reliance Industries Limited6.56%
- HDFC Bank Limited6.50%
- ICICI Bank Limited5.61%
- Kotak Mahindra Bank Limited4.37%
- Titan Company Limited3.66%
- Bharti Airtel Limited3.35%
- Infosys Limited3.13%
- Axis Bank Limited2.67%
- Maruti Suzuki India Limited2.67%
Tata Retirement Savings Fund-Moderate Plan
- Solar Industries India Limited4.74%
- ICICI Bank Limited4.27%
- Eternal Limited3.49%
- Reliance Industries Limited3.23%
- Multi Commodity Exchange of India Limited3.23%
- Radico Khaitan Limited2.60%
- 6.36% GOI 16-Feb-20312.09%
- Adani Ports and Special Economic Zone Limited2.07%
- 360 One WAM Limited1.97%
- Kirloskar Pneumatic Company Limited1.95%
Sector exposure
| BANDHAN RETIREMENT | Tata Retirement Savings Fund-Moderate Plan | |
|---|---|---|
| Sovereign | 22.01% | 7.31% |
| Banks | 19.15% | 9.06% |
| Capital Markets | 0.00% | 9.90% |
| Petroleum Products | 6.56% | 3.23% |
| IT - Software | 5.91% | 2.72% |
| Chemicals & Petrochemicals | 1.66% | 4.74% |
| Consumer Durables | 4.57% | 3.26% |
| Finance | 4.44% | 2.79% |
| Automobiles | 4.26% | 1.92% |
| Industrial Products | 0.00% | 4.11% |
| Retailing | 2.73% | 3.49% |
| Beverages | 1.23% | 3.45% |
| Telecom - Services | 3.35% | 0.00% |
| Auto Components | 1.11% | 3.23% |
Questions people ask
What is the difference between BANDHAN RETIREMENT and Tata Retirement Savings Fund-Moderate Plan returns?
As of 5 Nov 2026, Direct plan Growth option: 1-year return +1.47% vs +4.91%; 3-year CAGR +10.52% vs +12.61%; 5-year CAGR — vs +10.30%; 10-year CAGR — vs +13.05%. Past returns do not indicate future returns.
How do BANDHAN RETIREMENT and Tata Retirement Savings Fund-Moderate Plan compare on risk?
Volatility (36 monthly returns, annualised) 9.35% vs 14.28%; Sharpe ratio 0.43 vs 0.43; Sortino ratio 0.61 vs 0.65; maximum drawdown −9.77% vs −29.64%; beta 0.61 vs 0.88.
How much do BANDHAN RETIREMENT and Tata Retirement Savings Fund-Moderate Plan overlap?
By weight, 15.9% of the two portfolios is invested in the same companies; 10 stocks are held by both, the largest shared positions being ICICI Bank Limited, Reliance Industries Limited, Kotak Mahindra Bank Limited. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of BANDHAN RETIREMENT and Tata Retirement Savings Fund-Moderate Plan?
BANDHAN RETIREMENT: large cap 58.5%, mid cap 10.8%, small cap 4.8%. Tata Retirement Savings Fund-Moderate Plan: large cap 43.1%, mid cap 17.1%, small cap 16.9% (share of the fund's assets, from its latest disclosed portfolio).
Is this a recommendation to choose one of these funds?
No. This page places the published figures of both funds side by side. It does not rank, rate or recommend either fund; which one suits an investor depends on their goals, horizon and risk tolerance.
More comparisons
BANDHAN RETIREMENT vs
- BANDHAN RETIREMENT vs SBI Retirement Benefit Fund - Aggressive Plan
- BANDHAN RETIREMENT vs Union Retirement
- BANDHAN RETIREMENT vs Aditya Birla Sun Life Retirement Fund-The 50s Plan
- BANDHAN RETIREMENT vs Baroda BNP Paribas Retirement
- BANDHAN RETIREMENT vs ICICI Prudential Retirement Fund Hybrid Aggressive Plan
- BANDHAN RETIREMENT vs PGIM India Retirement
Tata Retirement Savings Fund-Moderate Plan vs
- Tata Retirement Savings Fund-Moderate Plan vs Axis Children's
- Tata Retirement Savings Fund-Moderate Plan vs HDFC Children's
- Tata Retirement Savings Fund-Moderate Plan vs ICICI Prudential Retirement Fund Pure Debt Plan
- Tata Retirement Savings Fund-Moderate Plan vs SBI CHILDREN'S FUND - SAVINGS PLAN
- Tata Retirement Savings Fund-Moderate Plan vs Tata Retirement Savings Fund-Progressive Plan
- Tata Retirement Savings Fund-Moderate Plan vs Aditya Birla Sun Life Retirement Fund-The 30s Plan
All Retirement Funds comparisons → · Compare up to six funds yourself → · Every fund in this category → · All comparisons →
Sources: NAV from AMFI; returns, risk and ratios computed by MF Analyser from each fund's NAV history (risk on 36 monthly returns, risk-free rate 6.5%); benchmark ratios against each fund's benchmark total-return index; portfolios from each fund house's monthly disclosure. Returns and ratios as of 5 Nov 2026. IDCW options show no return or risk figures because payouts reduce the NAV and AMFI's file carries no payout history to add back. This page compares published figures only — it does not rank, rate or recommend either fund. Past performance does not indicate future returns; mutual fund investments are subject to market risks.