Should I invest in Tata Income Plus Fund B - Income / Bonus Option?

We don't give personal investment advice. Tata Income Plus Fund B - Income / 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: 8.0%. 5-year CAGR: 5.47%.

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Tata Income Plus Fund B - Income / 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.

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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	-0.03%	-9.99%	+9.95	756 / 1129	Q3
1W	+0.05%	-13.04%	+13.09	325 / 1151	Q2
2W	+0.11%	-13.18%	+13.29	283 / 1149	Q1
1M	+0.37%	-13.26%	+13.63	245 / 1137	Q1
3M	+0.99%	-13.15%	+14.14	277 / 1116	Q1
6M	+4.44%	-15.45%	+19.89	151 / 906	Q1
YTD	+4.83%	-15.77%	+20.60	149 / 952	Q1
1Y	+7.69%	-13.09%	+20.77	208 / 820	Q2
2Y	+8.31%	-12.72%	+21.03	57 / 446	Q1
3Y	+6.93%	-11.01%	+17.94	79 / 385	Q1
4Y	+6.14%	-6.52%	+12.66	90 / 339	Q2
5Y	+5.47%	-7.36%	+12.83	93 / 314	Q2
7Y	+4.61%	+2.53%	+2.08	91 / 234	Q2
10Y	+3.83%	+3.14%	+0.69	40 / 101	Q2
Inception	+3.46%	-13.63%	+17.09	344 / 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	+4.83%	+1.63%	+3.20	32 / 137
2016	+12.12%	+3.02%	+9.09	7 / 181
2015	+1.30%	+2.22%	-0.92	116 / 216
2014	+6.41%	+5.51%	+0.90	118 / 240
2013	+1.05%	-1.95%	+3.01	125 / 276
2012	+2.23%	+1.38%	+0.85	163 / 295
2011	+2.07%	-3.16%	+5.23	115 / 317
2010	+3.10%	-5.78%	+8.89	127 / 377
2009	+2.23%	-12.86%	+15.09	281 / 713
2008	+1.96%	-2.02%	+3.99	120 / 380
2007	-0.67%	+4.84%	-5.51	133 / 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

+3.36%

128 windows

min -2.3% · max 13.2%

87% positive

3-Year rolling

+3.07%

105 windows

min 0.8% · max 7.3%

100% positive

5-Year rolling

+3.02%

81 windows

min 1.5% · max 5.6%

100% positive

7-Year rolling

+3.04%

55 windows

min 1.6% · max 4.7%

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

4.03%

3-year · annualised

Sharpe ratio

0.08

vs risk-free 6.5%

Sortino ratio

0.17

Downside-only deviation

Max drawdown

-2.99%

Mar 2015 → Jun 2015

% positive months

75.0%

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	₹15.2770
26 Oct 2017	₹15.2823
25 Oct 2017	₹15.2726
24 Oct 2017	₹15.2757
23 Oct 2017	₹15.2702
18 Oct 2017	₹15.2697
17 Oct 2017	₹15.2662
16 Oct 2017	₹15.2678
13 Oct 2017	₹15.2599
12 Oct 2017	₹15.2462

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 Plus Fund B - Income / 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 Plus Fund B - Income / 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 Plus Fund B - Income / 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 Plus Fund B - Income / Bonus Option has delivered a absolute return of 7.69% — +20.77 pp ahead of the Income category average of -13.09%. The fund ranks #208 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Tata Income Plus Fund B - Income / Bonus Option has delivered a CAGR of 6.93% — +17.94 pp ahead of the Income category average of -11.01%. The fund ranks #79 of 385 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Tata Income Plus Fund B - Income / Bonus Option has delivered a CAGR of 5.47% — +12.83 pp ahead of the Income category average of -7.36%. The fund ranks #93 of 314 in its category — the second (Q2) quartile.

₹1 lakh invested in Tata Income Plus Fund B - Income / Bonus Option exactly 10 years ago would be worth approximately ₹145,594 today — a multiplier of 1.46×, based on the 10-year CAGR of 3.83%. The category average over the same window would have grown ₹1 lakh to ₹136,244.

A ₹10,000 monthly SIP in Tata Income Plus Fund B - Income / Bonus Option over the last 5 years — total invested ₹600,000 — would be worth ₹709,331 today. That's an XIRR (money-weighted annualised return) of 6.62%.

A ₹10,000 monthly SIP for 10 years in Tata Income Plus Fund B - Income / Bonus Option = ₹1,200,000 invested. It would currently be worth ₹1,541,181 (multiplier 1.28×). XIRR: 4.89%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Tata Income Plus Fund B - Income / Bonus Option ranks #93 out of 314 funds in the Income category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -7.36%; this fund delivered 5.47%.

The worst peak-to-trough decline Tata Income Plus Fund B - Income / Bonus Option has experienced over the last 5-year window is 8.01% — its NAV fell from a high on 27 May 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 Plus Fund B - Income / Bonus Option averaged 3.02% (best 5.61%, worst 1.52%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.23 — negative risk-adjusted performance.

In calendar year 2016, Tata Income Plus Fund B - Income / Bonus Option returned 12.12% — beating the Income category average of 3.02% by 9.09 pp. It ranked #7 of 181 in its category that year.

Tata Income Plus Fund B - Income / 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 Plus Fund B - Income / 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: 8.0%. 5-year CAGR: 5.47%.

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

Tata Income Plus Fund B - Income / Bonus Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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