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 21 Aug 2026
Growth of ₹100 (rebased over the selected window)
Common period 12 Mar 2019 – 21 Aug 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.
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| Date | Tata Retirement Savings Fund-Progressive | Aditya Birla Sun Life Retirement Fund-The 30s | Nifty 500 |
|---|---|---|---|
| 12 Mar 2019 | ₹100.00 | ₹100.00 | ₹100.00 |
| 25 Oct 2019 | ₹107.82 | ₹100.59 | ₹99.90 |
| 07 Jun 2020 | ₹98.31 | ₹94.02 | ₹87.91 |
| 20 Jan 2021 | ₹133.59 | ₹126.34 | ₹127.94 |
| 03 Sep 2021 | ₹160.60 | ₹139.93 | ₹156.33 |
| 18 Apr 2022 | ₹151.92 | ₹134.35 | ₹158.10 |
| 01 Dec 2022 | ₹161.88 | ₹146.92 | ₹169.52 |
| 15 Jul 2023 | ₹174.03 | ₹154.72 | ₹177.58 |
| 27 Feb 2024 | ₹208.14 | ₹179.83 | ₹214.95 |
| 10 Oct 2024 | ₹256.63 | ₹216.80 | ₹249.96 |
| 25 May 2025 | ₹248.63 | ₹212.70 | ₹241.30 |
| 06 Jan 2026 | ₹254.07 | ₹232.53 | ₹254.33 |
| 21 Aug 2026 | ₹275.90 | ₹257.31 | ₹249.24 |
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 →
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 | 5.28% | 3.93% | 3.93% |
| Zomato Ltd | 3.47% | 2.07% | 2.07% |
| Adani Ports and Special Economic Zone Ltd | 2.53% | 1.94% | 1.94% |
| HDFC Bank Ltd | 1.40% | 2.34% | 1.40% |
| Sun Pharmaceutical Industries Ltd | 1.39% | 1.78% | 1.39% |
| Varun Beverages Ltd | 1.16% | 1.67% | 1.16% |
| Billionbrains Garage Ventures Ltd. | 1.86% | 0.87% | 0.87% |
| PB Fintech Ltd | 2.42% | 0.87% | 0.87% |
| Shriram Transport Finance Company Ltd | 1.09% | 0.86% | 0.86% |
| Reliance Industries Ltd | 4.07% | 0.82% | 0.82% |
| Nippon Life India Asset Management Ltd | 2.99% | 0.66% | 0.66% |
| IIFL Wealth Management Ltd | 2.40% | 0.51% | 0.51% |
| Multi Commodity Exchange Of India Ltd | 3.35% | 0.25% | 0.25% |
13 shared of 50 / 77 positions. Weights are shown as a share of each fund's equity book.
| Metric | Tata · Direct NAV ₹86.62 High risk ★★★★★ | Aditya Birla Sun Life · Direct NAV ₹25.75 High risk ★★★☆☆ | Category median Retirement Fund · 29 funds |
|---|---|---|---|
| +8.81% | +15.48%Best in row | +3.98% | |
| +15.40% | +17.63%Best in row | +10.85% | |
| +12.65% | +13.84%Best in row | +10.01% | |
| +14.48% | — | +10.60% | |
| +15.40%Best in row | +13.54% | +10.95% | |
| +14.03% | +16.59%Best in row | — | |
| +16.17%Best in row | +14.57% | +12.81% | |
| +15.52%Best in row | +14.96% | +12.16% | |
| +15.86% | — | +11.04% | |
| Risk | |||
| 14.46% | 14.12%Best in row | 10.68% | |
| 0.62 | 0.79Best in row | 0.47 | |
| 0.83 | 1.09Best in row | 0.65 | |
| -34.20% | -34.23% | -16.53% | |
| +2.92% | +5.35%Best in row | +0.93% | |
| 1.00 | 0.97 | 0.76 | |
| 104.9% | 110.9%Best in row | 82.6% | |
| 89.4% | 83.8%Best in row | 69.9% | |
| 0.82%Best in row | 1.35% | 1.12% | |
| ₹2,087Cr | ₹434.17Cr | ₹280.84Cr | |
| 1.00% | None | — | |
| ₹150 | ₹500 | — | |
| ₹5.00K | ₹1.00K | — | |
| 28% | 1% | 24% | |
| Sonam Udasi · 10.4y | Jonas Bhutta · 1.8y | — | |
| 04 Jan 2013 | 12 Mar 2019 | — | |
| 50 | 77 | — | |
| 35.6% | 26.6% | — | |
| 4.8% | 3.0% | — | |
2 rows carry the same value for every fund — show
- Benchmark
- Nifty 500
- 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 +17.63% CAGR against Tata Retirement Savings Fund-Progressive's +15.40%, computed from AMFI NAV history. Over 5 years: Tata Retirement Savings Fund-Progressive +12.65% vs Aditya Birla Sun Life Retirement Fund-The 30s +13.84% 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 1.35%. 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 (+14.46% annualized vs Aditya Birla Sun Life Retirement Fund-The 30s's +14.12%), 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 ₹2,087Cr against Aditya Birla Sun Life Retirement Fund-The 30s's ₹434.17Cr 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.