Tata Retirement Savings Fund-Progressive vs Aditya Birla Sun Life Retirement Fund-The 30s
Tata Retirement Savings Fund-Progressive (Direct) and Aditya Birla Sun Life Retirement Fund-The 30s (Direct) head to head: growth of ₹100, returns across every window, risk, cost, and portfolio overlap — every figure computed from AMFI NAV history, nothing supplied by a fund house. Both are Retirement Fund schemes — see the best retirement mutual funds for the full ranking.
Head to head
NAVs as of 08 Oct 2026
Growth of ₹100 (rebased over the selected window)
Common period 12 Mar 2019 – 08 Oct 2026, limited by Aditya Birla Sun Life Retirement Fund-The 30s. Every series is rebased to ₹100 at the start of this window. Benchmark lines are the category index WealthTicker measures against, which is not always the benchmark the scheme itself declares — the fund page’s Scheme Info names that one.
View as table
| Date | Tata Retirement Savings Fund-Progressive | Aditya Birla Sun Life Retirement Fund-The 30s | Nifty 500 TRI |
|---|---|---|---|
| 12 Mar 2019 | ₹100.00 | ₹100.00 | ₹100.00 |
| 29 Oct 2019 | ₹109.43 | ₹102.73 | ₹102.44 |
| 15 Jun 2020 | ₹95.61 | ₹92.61 | ₹87.06 |
| 01 Feb 2021 | ₹129.56 | ₹122.89 | ₹127.81 |
| 19 Sep 2021 | ₹162.86 | ₹142.16 | ₹164.25 |
| 08 May 2022 | ₹144.55 | ₹128.42 | ₹155.72 |
| 25 Dec 2022 | ₹153.14 | ₹139.50 | ₹167.04 |
| 12 Aug 2023 | ₹179.38 | ₹158.62 | ₹188.80 |
| 30 Mar 2024 | ₹209.69 | ₹179.73 | ₹228.55 |
| 15 Nov 2024 | ₹242.21 | ₹205.00 | ₹249.49 |
| 04 Jul 2025 | ₹260.02 | ₹221.41 | ₹269.65 |
| 19 Feb 2026 | ₹246.41 | ₹228.01 | ₹268.58 |
| 08 Oct 2026 | ₹254.33 | ₹241.91 | ₹250.92 |
Portfolio overlap (same stocks held through more than one fund)
Some overlap is structural: SEBI defines large cap as the top 100 stocks by market capitalisation, so two large-cap funds are fishing the same pond by regulation. The bands below are measured per sleeve pairing rather than against one blanket threshold. How this is measured →
- 40 stocks only in Tata Retirement Savings Fund-Progressive
- 13 stocks in both — 16.9% of each portfolio by weight
- 62 stocks only in Aditya Birla Sun Life Retirement Fund-The 30s
The more the circles overlap, the more the funds hold the same stocks.
Tata Retirement Savings Fund-Progressive and Aditya Birla Sun Life Retirement Fund-The 30s share 17% of their equity book by weight.
Shared holdings — Tata Retirement Savings Fund-Progressive vs Aditya Birla Sun Life Retirement Fund-The 30s
| Stock | Tata Retirement Savings Fund-Progressive | Aditya Birla Sun Life Retirement Fund-The 30s | |
|---|---|---|---|
| ICICI BANK LTD | 5.40% | 3.96% | 3.96% |
| ETERNAL LTD | 4.15% | 2.35% | 2.35% |
| ATHER ENERGY LTD | 1.80% | 3.84% | 1.80% |
| ADANI PORTS AND SPECIAL ECONOMIC ZONE LTD | 2.16% | 1.63% | 1.63% |
| RELIANCE INDUSTRIES LTD | 3.88% | 1.58% | 1.58% |
| PB FINTECH LTD | 2.68% | 0.95% | 0.95% |
| VARUN BEVERAGES LTD | 0.88% | 1.26% | 0.88% |
| SHRIRAM FINANCE LTD | 1.12% | 0.87% | 0.87% |
| BILLIONBRAINS GARAGE VENTURES LTD (GROWW) | 1.87% | 0.79% | 0.79% |
| VEDANTA ALUMINIUM METAL LTD | 0.68% | 1.27% | 0.68% |
| CREDITACCESS GRAMEEN LTD | 0.92% | 0.57% | 0.57% |
| 360 ONE WAM LTD | 2.53% | 0.54% | 0.54% |
| MULTI COMMODITY EXCHANGE OF IND LTD | 3.87% | 0.29% | 0.29% |
13 shared of 53 / 75 positions. Weights are shown as a share of each fund's equity book.
| Metric | Tata · Direct NAV ₹79.85 High risk ★★★★☆ | Aditya Birla Sun Life · Direct NAV ₹24.21 High risk ★★★☆☆ | Category median Retirement Fund · 29 funds |
|---|---|---|---|
| +1.39% | +9.35%Best in row | -0.79% | |
| +11.24% | +14.63%Best in row | +7.99% | |
| +9.03% | +11.02%Best in row | +7.99% | |
| +13.06% | — | +9.61% | |
| +14.57% | +12.37% | +9.41% | |
| +10.07% | +13.36%Best in row | — | |
| +16.14%Best in row | +14.47% | +12.66% | |
| +15.45%Best in row | +14.64% | +12.18% | |
| +15.76% | — | +10.93% | |
| Risk | |||
| 14.63% | 14.28%Best in row | 10.79% | |
| 0.32 | 0.57Best in row | 0.16 | |
| 0.43 | 0.78Best in row | 0.21 | |
| -34.20% | -34.23% | -16.53% | |
| +1.99% | +5.35%Best in row | +0.09% | |
| 1.01 | 0.97 | 0.76 | |
| 105.0% | 110.0%Best in row | 82.1% | |
| 96.2% | 83.9%Best in row | 74.8% | |
| 0.82%Best in row | 1.33% | 1.16% | |
| ₹2,211Cr | ₹472.81Cr | ₹282.12Cr | |
| Up to 1.00% | None | — | |
| ₹150 | ₹500 | — | |
| ₹5.00K | ₹1.00K | — | |
| 32% | 49% | 41% | |
| Sonam Udasi · 10.5y | Jonas Bhutta · 1.9y | — | |
| 04 Jan 2013 | 12 Mar 2019 | — | |
| 53 | 75 | — | |
| 34.1% | 26.2% | — | |
| 5.3% | 3.2% | — | |
2 rows carry the same value for every fund — show
- Benchmark
- Nifty 500 TRI
- Lock-in
- 5 years
Best marks the strongest value in a row, and only where the gap is bigger than noise — a near-tie is left unmarked rather than dressed up as a result. SIP XIRR is a ₹10,000/month instalment over 5 years of real NAV history. Nothing here is supplied by a fund house. For research only — not investment advice.
Frequently asked questions
Which fund has delivered higher returns — Tata Retirement Savings Fund-Progressive or Aditya Birla Sun Life Retirement Fund-The 30s?
Over the last 3 years, Aditya Birla Sun Life Retirement Fund-The 30s returned +14.63% CAGR against Tata Retirement Savings Fund-Progressive's +11.24%, computed from AMFI NAV history. Over 5 years: Tata Retirement Savings Fund-Progressive +9.03% vs Aditya Birla Sun Life Retirement Fund-The 30s +11.02% CAGR. Past returns don't guarantee future performance.
Which fund is cheaper — Tata Retirement Savings Fund-Progressive or Aditya Birla Sun Life Retirement Fund-The 30s?
Tata Retirement Savings Fund-Progressive has the lower expense ratio: Tata Retirement Savings Fund-Progressive charges 0.82% a year against Aditya Birla Sun Life Retirement Fund-The 30s's 1.33%. The expense ratio is deducted from the NAV daily, so a lower one compounds in the investor's favour.
Which fund is riskier — Tata Retirement Savings Fund-Progressive or Aditya Birla Sun Life Retirement Fund-The 30s?
Tata Retirement Savings Fund-Progressive has shown higher volatility (+14.63% annualized vs Aditya Birla Sun Life Retirement Fund-The 30s's +14.28%), measured as the annualized standard deviation of daily returns over the trailing 3 years. Worst 3-year drawdown: Tata Retirement Savings Fund-Progressive -18.82% vs Aditya Birla Sun Life Retirement Fund-The 30s -18.98%.
Which fund manages more money — Tata Retirement Savings Fund-Progressive or Aditya Birla Sun Life Retirement Fund-The 30s?
Tata Retirement Savings Fund-Progressive is the larger fund: Tata Retirement Savings Fund-Progressive manages ₹2,211Cr against Aditya Birla Sun Life Retirement Fund-The 30s's ₹472.81Cr in assets. Size cuts both ways — scale lowers costs, but a very large fund can find it harder to move in and out of positions.
Are Tata Retirement Savings Fund-Progressive and Aditya Birla Sun Life Retirement Fund-The 30s in the same category?
Yes — both are Retirement Fund schemes, so their returns, risk and cost are directly comparable against the same peer set.
Figures update daily from AMFI NAV history; ratings and ranks are WealthTicker’s own — see the methodology. This is data, not investment advice.