UTI Retirement Fund 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%); UTI Retirement Fund has the better risk-adjusted return (Sharpe 0.54). This is analysis from past data, not a recommendation.
| Metric | UTI Retirement Fund | Tata Retirement Savings Fund - Moderate |
|---|---|---|
| 1Y return | -0.57% | -1.35% |
| 3Y CAGR | +9.96% | +13.56% |
| 5Y CAGR | +9.74% | +11.33% |
| Sharpe ratio | 0.54 | 0.50 |
| Max drawdown | -6.3% | -16.1% |
| Volatility | 6.3% | 12.5% |
| Alpha | -0.05% | +1.74% |
| Expense ratio (Direct) | 1.15% | 0.70% |
| AUM | ₹4.7K 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 1.15% 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.