Should I invest in Tata Life Science & Technology Fund?

We don't give personal investment advice. Tata Life Science & Technology Fund - Dividend Option is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 56.3%. 5-year CAGR: 4.53%.

Tata

Tata Life Science & Technology Fund - Dividend Option

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	-0.35%	+0.06%	-0.41	225 / 299	Q4
1W	+1.96%	-3.61%	+5.57	46 / 303	Q1
2W	+3.13%	-4.52%	+7.65	38 / 303	Q1
1M	+5.20%	-5.64%	+10.83	45 / 302	Q1
3M	+9.22%	-4.27%	+13.49	54 / 302	Q1
6M	+3.32%	+1.48%	+1.84	151 / 307	Q2
YTD	+12.98%	-0.18%	+13.16	91 / 309	Q2
1Y	+7.38%	+7.10%	+0.28	146 / 307	Q2
2Y	+1.20%	+2.20%	-1.00	172 / 303	Q3
3Y	+5.07%	+0.76%	+4.32	133 / 264	Q3
4Y	+12.62%	+0.58%	+12.04	44 / 235	Q1
5Y	+4.53%	+0.02%	+4.51	117 / 208	Q3
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-0.33%	+0.51%	-0.85	236 / 310	Q4

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
2012 YTD	+12.98%	+23.57%	-10.59	173 / 190
2011	-16.28%	-23.68%	+7.40	45 / 241
2010	+11.52%	+11.69%	-0.16	141 / 256
2009	+103.09%	+65.86%	+37.23	17 / 238
2008	-51.63%	-52.86%	+1.22	61 / 198
2007	-16.42%	+42.91%	-59.34	136 / 137
2006	—	—	—	—

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

+5.52%

67 windows

min -50.6% · max 115.7%

43% positive

3-Year rolling

+6.74%

43 windows

min -21.6% · max 31.1%

67% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

-0.53%

18 windows

min -4.9% · max 4.5%

39% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

—

Insufficient history

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

13.22%

3-year · annualised

Sharpe ratio

-0.03

vs risk-free 6.5%

Sortino ratio

-0.04

Downside-only deviation

Max drawdown

-17.36%

Jan 2011 → Dec 2011

% positive months

52.8%

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
14 Sep 2012	₹35.2525
13 Sep 2012	₹35.3753
12 Sep 2012	₹35.5667
11 Sep 2012	₹35.3602
10 Sep 2012	₹34.9643
7 Sep 2012	₹34.5758
6 Sep 2012	₹34.4062
5 Sep 2012	₹34.1066
4 Sep 2012	₹34.1811
3 Sep 2012	₹34.1076

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 Life Science & Technology Fund - Dividend Option is a Growth from Tata (Unknown plan, Growth option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

Tata Life Science & Technology Fund - Dividend 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 Life Science & Technology Fund - Dividend Option is managed by Tata. It's classified by AMFI under the 'Growth' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Tata Life Science & Technology Fund - Dividend Option has delivered a absolute return of 7.38% — +0.28 pp ahead of the Growth category average of 7.10%. The fund ranks #146 of 307 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Tata Life Science & Technology Fund - Dividend Option has delivered a CAGR of 5.07% — +4.32 pp ahead of the Growth category average of 0.76%. The fund ranks #133 of 264 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Tata Life Science & Technology Fund - Dividend Option has delivered a CAGR of 4.53% — +4.51 pp ahead of the Growth category average of 0.02%. The fund ranks #117 of 208 in its category — the third (Q3) quartile.

₹1 lakh invested in Tata Life Science & Technology Fund - Dividend Option exactly 5 years ago would be worth approximately ₹124,796 today — a multiplier of 1.25×, based on the 5-year CAGR of 4.53%. The category average over the same window would have grown ₹1 lakh to ₹100,100.

A ₹10,000 monthly SIP in Tata Life Science & Technology Fund - Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹759,623 today. That's an XIRR (money-weighted annualised return) of 9.35%.

Tata Life Science & Technology Fund - Dividend Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹759,623 — XIRR 9.35%.

On a 5-year basis, Tata Life Science & Technology Fund - Dividend Option ranks #117 out of 208 funds in the Growth category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 0.02%; this fund delivered 4.53%.

The worst peak-to-trough decline Tata Life Science & Technology Fund - Dividend Option has experienced over the last 5-year window is 56.26% — its NAV fell from a high on 02 Jan 2008 to a low on 09 Mar 2009. 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 Life Science & Technology Fund - Dividend Option averaged -0.53% (best 4.53%, worst -4.89%). 39% of rolling windows ended positive. The 5-year Sharpe ratio is 0.05 — weak risk-adjusted performance.

In calendar year 2011, Tata Life Science & Technology Fund - Dividend Option returned -16.28% — beating the Growth category average of -23.68% by 7.40 pp. It ranked #45 of 241 in its category that year.

Tata Life Science & Technology Fund - Dividend Option doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. Tata Life Science & Technology Fund - Dividend Option is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 56.3%. 5-year CAGR: 4.53%.

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