Should I invest in Tata Short Term Bond Fund - Reg Income Option?

We don't give personal investment advice. Tata Short Term Bond Fund - Reg Income 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: 0.9%. 5-year CAGR: 5.33%.

Tata

Tata Short Term Bond Fund - Reg Income Option

Latest NAV

₹22.4952

As of

8 Jun 2026

4,872 NAV records on file

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	+0.25%	+0.13%	+0.13	18 / 39	Q2
1W	+0.39%	+15.14%	-14.76	24 / 40	Q3
2W	+0.67%	+15.31%	-14.64	23 / 40	Q3
1M	+0.27%	+17.01%	-16.74	28 / 40	Q3
3M	+0.71%	+17.37%	-16.66	21 / 40	Q3
6M	+1.40%	+18.14%	-16.74	23 / 40	Q3
YTD	+1.40%	+17.85%	-16.45	18 / 40	Q2
1Y	+3.54%	+19.53%	-15.98	25 / 40	Q3
2Y	+6.25%	+8.33%	-2.07	21 / 40	Q3
3Y	+6.17%	+5.74%	+0.43	20 / 40	Q2
4Y	+6.26%	+4.95%	+1.32	20 / 39	Q3
5Y	+5.33%	+4.12%	+1.20	20 / 38	Q3
7Y	+5.64%	+2.93%	+2.71	18 / 37	Q2
10Y	+4.66%	+4.97%	-0.31	16 / 27	Q3
Inception	+3.65%	+1.93%	+1.72	25 / 40	Q3

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
2026 YTD	+1.40%	+0.73%	+0.67	9 / 21
2025	+6.72%	+34.44%	-27.72	16 / 25
2024	+7.36%	+3.79%	+3.57	11 / 25
2023	+6.77%	+4.24%	+2.53	8 / 25
2022	+2.87%	+2.62%	+0.24	14 / 26
2021	+2.43%	+3.74%	-1.31	15 / 26
2020	+9.08%	+3.74%	+5.34	11 / 30
2019	+6.97%	+2.23%	+4.74	10 / 30
2018	-2.30%	+2.73%	-5.03	30 / 30
2017	+2.12%	+2.37%	-0.25	16 / 37
2016	+5.03%	+5.27%	-0.24	20 / 37

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

+3.77%

234 windows

min -4.1% · max 10.5%

96% positive

3-Year rolling

+3.63%

210 windows

min 0.2% · max 7.2%

100% positive

5-Year rolling

+3.51%

185 windows

min 1.8% · max 6.1%

100% positive

7-Year rolling

+3.48%

161 windows

min 1.8% · max 6.2%

100% positive

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

1.15%

3-year · annualised

Sharpe ratio

-0.41

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.63%

Mar 2026 → Apr 2026

% positive months

91.7%

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.

Peers in Short Duration Fund

Scheme	Fund house	NAV	As of
HDFC Short Term Debt Fund - Fortnightly IDCW Option	HDFC	₹10.2580	8 Jun 2026
NIPPON INDIA SHORT DURATION FUND - IDCW Option	Nippon India	₹22.5200	8 Jun 2026
SBI SHORT HORIZON DEBT FUND-SHORT TERM FUND INSTTUTIONAL GROWTH	SBI	₹33.6111	8 Jun 2026
ICICI Prudential Short Term Plan - Div. Option	ICICI Prudential	₹12.1272	8 Jun 2026
Kotak Bond Short Term Plan-(Growth)	Kotak Mahindra	₹54.3676	8 Jun 2026
DSP BlackRock Short Term Fund-Dividend	DSP BlackRock	₹12.1472	8 Jun 2026
HSBC Short Duration Fund - Bonus	HSBC	₹27.6976	8 Jun 2026
UTI - Short Term Income Fund - Dividend Option	UTI	₹24.6878	8 Jun 2026
IDFC - SSIF - Short Term - Plan A - Fortnightly Dividend	IDFC	₹10.4649	8 Jun 2026
Reliance Short Term Fund-Dividend Re-investment Plan	Reliance	₹11.5798	8 Jun 2026

Recent NAVs

Date	NAV
8 Jun 2026	₹22.4952
5 Jun 2026	₹22.4577
4 Jun 2026	₹22.4006
3 Jun 2026	₹22.3886
2 Jun 2026	₹22.3932
1 Jun 2026	₹22.3786
29 May 2026	₹22.3715
27 May 2026	₹22.3558
26 May 2026	₹22.3413
25 May 2026	₹22.3392

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.

As of 08 Jun 2026, the NAV of Tata Short Term Bond Fund - Reg Income Option is ₹22.4952. It's a Short Duration Fund from Tata, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Tata Short Term Bond Fund - Reg Income 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 Short Term Bond Fund - Reg Income Option is managed by Tata. It's classified by AMFI under the 'Short Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Tata Short Term Bond Fund - Reg Income Option has delivered a absolute return of 3.54% — -15.98 pp behind the Short Duration Fund category average of 19.53%. The fund ranks #25 of 40 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Tata Short Term Bond Fund - Reg Income Option has delivered a CAGR of 6.17% — +0.43 pp ahead of the Short Duration Fund category average of 5.74%. The fund ranks #20 of 40 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Tata Short Term Bond Fund - Reg Income Option has delivered a CAGR of 5.33% — +1.2 pp ahead of the Short Duration Fund category average of 4.12%. The fund ranks #20 of 38 in its category — the third (Q3) quartile.

₹1 lakh invested in Tata Short Term Bond Fund - Reg Income Option exactly 10 years ago would be worth approximately ₹157,664 today — a multiplier of 1.58×, based on the 10-year CAGR of 4.66%. The category average over the same window would have grown ₹1 lakh to ₹162,391.

A ₹10,000 monthly SIP in Tata Short Term Bond Fund - Reg Income Option over the last 5 years — total invested ₹600,000 — would be worth ₹696,415 today. That's an XIRR (money-weighted annualised return) of 5.89%.

A ₹10,000 monthly SIP for 10 years in Tata Short Term Bond Fund - Reg Income Option = ₹1,200,000 invested. It would currently be worth ₹1,571,134 (multiplier 1.31×). XIRR: 5.26%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Tata Short Term Bond Fund - Reg Income Option ranks #20 out of 38 funds in the Short Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 4.12%; this fund delivered 5.33%.

The worst peak-to-trough decline Tata Short Term Bond Fund - Reg Income Option has experienced over the last 5-year window is 0.88% — its NAV fell from a high on 07 Apr 2022 to a low on 09 May 2022. 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 Short Term Bond Fund - Reg Income Option averaged 3.51% (best 6.13%, worst 1.80%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.02 — negative risk-adjusted performance.

In calendar year 2025, Tata Short Term Bond Fund - Reg Income Option returned 6.72% — lagging the Short Duration Fund category average of 34.44% by 27.72 pp. It ranked #16 of 25 in its category that year.

Tata Short Term Bond Fund - Reg Income 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 Short Term Bond Fund - Reg Income 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: 0.9%. 5-year CAGR: 5.33%.

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

Tata Short Term Bond Fund - Reg Income Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Short Duration Fund

Recent NAVs

Frequently asked questions

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