Should I invest in Tata Income Fund?

We don't give personal investment advice. Tata Income Fund - Growth Bonus Option 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: 40.0%. 5-year CAGR: -1.25%.

Tata

Tata Income Fund - Growth Bonus Option

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	-0.04%	-9.99%	+9.94	759 / 1129	Q3
1W	+0.03%	-13.04%	+13.07	337 / 1151	Q2
2W	+0.07%	-13.18%	+13.25	315 / 1149	Q2
1M	+0.21%	-13.26%	+13.48	282 / 1137	Q1
3M	+0.38%	-13.15%	+13.53	357 / 1116	Q2
6M	+4.17%	-15.45%	+19.63	168 / 906	Q1
YTD	+3.99%	-15.77%	+19.76	176 / 952	Q1
1Y	+6.84%	-13.09%	+19.93	260 / 820	Q2
2Y	+8.15%	-12.72%	+20.87	64 / 446	Q1
3Y	+9.06%	-11.01%	+20.07	22 / 385	Q1
4Y	+9.17%	-6.52%	+15.68	16 / 339	Q1
5Y	-1.25%	-7.36%	+6.11	270 / 314	Q4
7Y	+1.30%	+2.53%	-1.23	130 / 234	Q3
10Y	+2.03%	+3.14%	-1.11	49 / 101	Q2
Inception	+2.59%	-13.63%	+16.22	353 / 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	+3.99%	+1.63%	+2.36	34 / 137
2016	+11.23%	+3.02%	+8.21	11 / 181
2015	+6.98%	+2.22%	+4.76	50 / 216
2014	+12.98%	+5.51%	+7.47	29 / 240
2013	-34.70%	-1.95%	-32.75	265 / 276
2012	+10.18%	+1.38%	+8.81	45 / 295
2011	+6.68%	-3.16%	+9.84	87 / 317
2010	+2.71%	-5.78%	+8.49	129 / 377
2009	-5.41%	-12.86%	+7.44	559 / 713
2008	+13.58%	-2.02%	+15.60	14 / 380
2007	+7.62%	+4.84%	+2.78	69 / 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

+3.24%

128 windows

min -36.0% · max 14.1%

88% positive

3-Year rolling

+1.39%

105 windows

min -9.8% · max 11.2%

66% positive

5-Year rolling

+0.05%

81 windows

min -5.6% · max 5.6%

32% positive

7-Year rolling

-0.23%

55 windows

min -1.8% · max 1.3%

31% 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

3.81%

3-year · annualised

Sharpe ratio

0.60

vs risk-free 6.5%

Sortino ratio

1.36

Downside-only deviation

Max drawdown

-3.24%

Nov 2016 → Mar 2017

% 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	₹16.0750
26 Oct 2017	₹16.0819
25 Oct 2017	₹16.0701
24 Oct 2017	₹16.0681
23 Oct 2017	₹16.0623
18 Oct 2017	₹16.0695
17 Oct 2017	₹16.0676
16 Oct 2017	₹16.0719
13 Oct 2017	₹16.0642
12 Oct 2017	₹16.0479

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 Income Fund - Growth Bonus Option 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 Income Fund - Growth Bonus Option 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 Income Fund - Growth Bonus Option 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 Income Fund - Growth Bonus Option has delivered a absolute return of 6.84% — +19.93 pp ahead of the Income category average of -13.09%. The fund ranks #260 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Tata Income Fund - Growth Bonus Option has delivered a CAGR of 9.06% — +20.07 pp ahead of the Income category average of -11.01%. The fund ranks #22 of 385 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Tata Income Fund - Growth Bonus Option has delivered a CAGR of -1.25% — +6.11 pp ahead of the Income category average of -7.36%. The fund ranks #270 of 314 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Tata Income Fund - Growth Bonus Option exactly 10 years ago would be worth approximately ₹122,248 today — a multiplier of 1.22×, based on the 10-year CAGR of 2.03%. The category average over the same window would have grown ₹1 lakh to ₹136,244.

A ₹10,000 monthly SIP in Tata Income Fund - Growth Bonus Option over the last 5 years — total invested ₹600,000 — would be worth ₹719,893 today. That's an XIRR (money-weighted annualised return) of 7.21%.

A ₹10,000 monthly SIP for 10 years in Tata Income Fund - Growth Bonus Option = ₹1,200,000 invested. It would currently be worth ₹1,378,337 (multiplier 1.15×). XIRR: 2.72%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Tata Income Fund - Growth Bonus Option ranks #270 out of 314 funds in the Income category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is -7.36%; this fund delivered -1.25%.

The worst peak-to-trough decline Tata Income Fund - Growth Bonus Option has experienced over the last 5-year window is 39.97% — its NAV fell from a high on 18 Mar 2013 to a low on 19 Aug 2013. 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 Income Fund - Growth Bonus Option averaged 0.05% (best 5.57%, worst -5.57%). 32% of rolling windows ended positive. The 5-year Sharpe ratio is -0.31 — negative risk-adjusted performance.

In calendar year 2016, Tata Income Fund - Growth Bonus Option returned 11.23% — beating the Income category average of 3.02% by 8.21 pp. It ranked #11 of 181 in its category that year.

Tata Income Fund - Growth Bonus Option 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 Income Fund - Growth Bonus Option 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: 40.0%. 5-year CAGR: -1.25%.

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