HDFC Retirement Savings Fund - Equity vs Tata Retirement Savings Fund - Moderate
Updated June 2026 · both Retirement funds · metrics from AMFI NAVs
In short: Tata Retirement Savings Fund - Moderate has the higher 3-year return (+13.56%); Tata Retirement Savings Fund - Moderate has the lower expense ratio (0.70%); HDFC Retirement Savings Fund - Equity has the better risk-adjusted return (Sharpe 0.72). This is analysis from past data, not a recommendation.
| Metric | HDFC Retirement Savings Fund - Equity | Tata Retirement Savings Fund - Moderate |
|---|---|---|
| 1Y return | -7.59% | -1.35% |
| 3Y CAGR | +11.84% | +13.56% |
| 5Y CAGR | +13.81% | +11.33% |
| Sharpe ratio | 0.72 | 0.50 |
| Max drawdown | -16.1% | -16.1% |
| Volatility | 13.0% | 12.5% |
| Alpha | -0.30% | +1.74% |
| Expense ratio (Direct) | 0.97% | 0.70% |
| AUM | ₹6.9K Cr | ₹2.1K Cr |
Winner on each row highlighted (lower is better for expense ratio and volatility; max drawdown closer to zero is better). Computed from AMFI NAVs - see methodology. No paid placement.
FAQ
Which has the lower expense ratio?
Tata Retirement Savings Fund - Moderate has the lower Direct-plan expense ratio (0.70%), versus 0.97% for the other. Over long horizons a lower TER compounds into a meaningful difference.
Which has performed better over 3 years?
Tata Retirement Savings Fund - Moderate has the higher 3-year CAGR (+13.56%). Past performance does not predict future returns - check volatility and drawdown too, shown above.
How are these figures calculated?
All returns, risk metrics and alpha are computed independently from AMFI daily NAVs using a disclosed methodology. FindMF takes no commission and this comparison is not a recommendation.