Should I invest in Tata Dynamic Bond Fund B?

We don't give personal investment advice. Tata Dynamic Bond Fund B - Dividend is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 9.0%. 5-year CAGR: 7.95%.

Tata

Tata Dynamic Bond Fund B - Dividend

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	-0.01%	-9.99%	+9.97	728 / 1129	Q3
1W	-0.03%	-13.04%	+13.01	418 / 1151	Q2
2W	0.00%	-13.18%	+13.18	374 / 1149	Q2
1M	+0.01%	-13.26%	+13.28	355 / 1137	Q2
3M	+0.06%	-13.15%	+13.21	394 / 1116	Q2
6M	+3.88%	-15.45%	+19.33	192 / 906	Q1
YTD	+3.95%	-15.77%	+19.72	179 / 952	Q1
1Y	+6.98%	-13.09%	+20.07	249 / 820	Q2
2Y	+8.56%	-12.72%	+21.28	47 / 446	Q1
3Y	+9.78%	-11.01%	+20.79	9 / 385	Q1
4Y	+7.53%	-6.52%	+14.05	69 / 339	Q1
5Y	+7.95%	-7.36%	+15.31	59 / 314	Q1
7Y	+6.86%	+2.53%	+4.33	73 / 234	Q2
10Y	+4.75%	+3.14%	+1.61	39 / 101	Q2
Inception	+4.14%	-13.63%	+17.77	335 / 1199	Q2

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2017 YTD	+3.95%	+1.63%	+2.32	36 / 137
2016	+12.20%	+3.02%	+9.18	5 / 181
2015	+7.75%	+2.22%	+5.53	35 / 216
2014	+4.35%	+5.51%	-1.16	133 / 240
2013	+7.59%	-1.95%	+9.55	62 / 276
2012	+7.91%	+1.38%	+6.54	120 / 295
2011	+1.85%	-3.16%	+5.01	116 / 317
2010	+4.19%	-5.78%	+9.97	98 / 377
2009	-5.26%	-12.86%	+7.60	555 / 713
2008	+3.39%	-2.02%	+5.42	109 / 380
2007	+0.34%	+4.84%	-4.50	123 / 142

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+4.38%

128 windows

min -8.0% · max 15.1%

85% positive

3-Year rolling

+4.22%

105 windows

min -1.5% · max 10.3%

78% positive

5-Year rolling

+4.48%

81 windows

min -0.3% · max 8.7%

98% positive

7-Year rolling

+4.49%

55 windows

min 1.6% · max 7.0%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

4.01%

3-year · annualised

Sharpe ratio

0.74

vs risk-free 6.5%

Sortino ratio

1.81

Downside-only deviation

Max drawdown

-3.12%

Nov 2016 → Dec 2016

% positive months

83.3%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Recent NAVs

Date	NAV
27 Oct 2017	₹16.3288
26 Oct 2017	₹16.3309
25 Oct 2017	₹16.3248
24 Oct 2017	₹16.3329
23 Oct 2017	₹16.3216
18 Oct 2017	₹16.3339
17 Oct 2017	₹16.3269
16 Oct 2017	₹16.3384
13 Oct 2017	₹16.3289
12 Oct 2017	₹16.3107

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

Tata Dynamic Bond Fund B - Dividend is a Income from Tata (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

Tata Dynamic Bond Fund B - Dividend has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

Tata Dynamic Bond Fund B - Dividend is managed by Tata. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Tata Dynamic Bond Fund B - Dividend has delivered a absolute return of 6.98% — +20.07 pp ahead of the Income category average of -13.09%. The fund ranks #249 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Tata Dynamic Bond Fund B - Dividend has delivered a CAGR of 9.78% — +20.79 pp ahead of the Income category average of -11.01%. The fund ranks #9 of 385 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Tata Dynamic Bond Fund B - Dividend has delivered a CAGR of 7.95% — +15.31 pp ahead of the Income category average of -7.36%. The fund ranks #59 of 314 in its category — the top (Q1) quartile.

₹1 lakh invested in Tata Dynamic Bond Fund B - Dividend exactly 10 years ago would be worth approximately ₹159,095 today — a multiplier of 1.59×, based on the 10-year CAGR of 4.75%. The category average over the same window would have grown ₹1 lakh to ₹136,244.

A ₹10,000 monthly SIP in Tata Dynamic Bond Fund B - Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹732,774 today. That's an XIRR (money-weighted annualised return) of 7.92%.

A ₹10,000 monthly SIP for 10 years in Tata Dynamic Bond Fund B - Dividend = ₹1,200,000 invested. It would currently be worth ₹1,687,738 (multiplier 1.41×). XIRR: 6.63%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Tata Dynamic Bond Fund B - Dividend ranks #59 out of 314 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -7.36%; this fund delivered 7.95%.

The worst peak-to-trough decline Tata Dynamic Bond Fund B - Dividend has experienced over the last 5-year window is 9.01% — its NAV fell from a high on 22 Sep 2014 to a low on 30 Sep 2014. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Tata Dynamic Bond Fund B - Dividend averaged 4.48% (best 8.67%, worst -0.32%). 98% of rolling windows ended positive. The 5-year Sharpe ratio is 0.24 — weak risk-adjusted performance.

In calendar year 2016, Tata Dynamic Bond Fund B - Dividend returned 12.20% — beating the Income category average of 3.02% by 9.18 pp. It ranked #5 of 181 in its category that year.

Tata Dynamic Bond Fund B - Dividend is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. Tata Dynamic Bond Fund B - Dividend is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 9.0%. 5-year CAGR: 7.95%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.