Compare mutual funds | Krystal Capitals

How much it grew
	A: SBI Retirement Benefit Fund Conservative Plan	B: Tata Retirement Savings Fund Moderate Plan
3-year returnA year, on average	+5.8%	+9.5%Higher
1-year returnTotal over the last year	+0.2%Higher	−0.1%
5-year returnA year, on average	+6.1%	+7.4%Higher
Since launchA year, on average, with at least a year of history	+6.7%from Feb 2021	+13.3%Higherfrom Nov 2011

How it held up in falls

Worst fall

Biggest drop from a high, and when

A: SBI Retirement Benefit Fund Conservative Plan−4.6%Smaller fall
Jan 2026 – Mar 2026
B: Tata Retirement Savings Fund Moderate Plan−29.7%
Feb 2020 – Mar 2020

How it held up in falls
	A: SBI Retirement Benefit Fund Conservative Plan	B: Tata Retirement Savings Fund Moderate Plan
Worst fallBiggest drop from a high, and when	−4.6%Smaller fallJan 2026 – Mar 2026	−29.7%Feb 2020 – Mar 2020
Worst 3-year stretchA year, from the unluckiest start date	+5.9%Smaller fall

3-year stretches that made money

Out of every 3-year stretch on record

How steady it was
	A: SBI Retirement Benefit Fund Conservative Plan	B: Tata Retirement Savings Fund Moderate Plan
3-year stretches that made moneyOut of every 3-year stretch on record	100%	100%
Ups and downsLast 3 years. Lower is steadier.	3.6%Steadier	12.4%

Risk level

Smallest SIP

The basics
	A: SBI Retirement Benefit Fund Conservative Plan	B: Tata Retirement Savings Fund Moderate Plan
Risk level	See the fund house's risk level	See the fund house's risk level
Smallest SIP	₹500 a month	₹150 a month
Track recordYears of price history

Return in each calendar year.

Year by year
	A: SBI Retirement Benefit Fund Conservative Plan	B: Tata Retirement Savings Fund Moderate Plan
2026 so far (total, not a yearly rate)	+0.4%Higher	+0.2%
2025	+5.1%Higher	+1.0%
2024	+9.0%	+19.5%Higher
2023	+11.3%	+25.3%Higher
2022	+4.9%Higher	−1.9%
2021	Not enough history	+20.5%

Past performance may or may not be sustained in future and is not a guarantee of future returns.