Tata
TATA Banking & Financial Services Fund Regular Plan - Payout of Income Distribution cum capital withdrawal option
Latest NAV
₹39.4578
As of
17 Jul 2026
2,599 NAV records on file
Category
Sectoral/Thematic Fund
Plan type
Dividend
Structure
Close-ended
AMFI Scheme Code
135790
ISIN (Growth)
INF277K01Y94
ISIN (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
No matches.
Compares up to 8 funds. Click any line in the legend above to hide/show it.
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 | +0.82% | -0.06% | +0.88 | 17 / 168 | Q1 |
| 1W | -0.30% | -0.22% | -0.08 | 97 / 168 | Q3 |
| 2W | +0.07% | -0.98% | +1.05 | 99 / 170 | Q3 |
| 1M | +2.88% | +0.82% | +2.05 | 61 / 170 | Q2 |
| 3M | -1.76% | +3.83% | -5.60 | 148 / 170 | Q4 |
| 6M | -5.18% | +1.86% | -7.04 | 133 / 162 | Q4 |
| YTD | -5.27% | -0.06% | -5.21 | 128 / 160 | Q4 |
| 1Y | -2.54% | +1.21% | -3.76 | 110 / 150 | Q3 |
| 2Y | +5.66% | -0.78% | +6.44 | 23 / 109 | Q1 |
| 3Y | +10.62% | +9.09% | +1.53 | 41 / 76 | Q3 |
| 4Y | +16.17% | +9.79% | +6.38 | 22 / 58 | Q2 |
| 5Y | +11.63% | +5.30% | +6.33 | 20 / 48 | Q2 |
| 7Y | +12.15% | +13.56% | -1.40 | 19 / 32 | Q3 |
| 10Y | +12.58% | +11.31% | +1.28 | 12 / 23 | Q3 |
| Inception | +13.84% | +7.30% | +6.54 | 40 / 170 | Q1 |
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 | -5.27% | +1.20% | -6.47 | 128 / 158 |
| 2025 | +16.82% | -0.40% | +17.22 | 9 / 129 |
| 2024 | +8.54% | +19.58% | -11.04 | 72 / 84 |
| 2023 | +21.54% | +28.75% | -7.21 | 45 / 62 |
| 2022 | +16.83% | +0.21% | +16.62 | 7 / 54 |
| 2021 | +11.76% | +28.31% | -16.55 | 36 / 43 |
| 2020 | +2.68% | +22.29% | -19.61 | 27 / 34 |
| 2019 | +24.88% | +7.10% | +17.78 | 1 / 29 |
| 2018 | -7.64% | -10.71% | +3.07 | 7 / 23 |
| 2017 | +44.03% | +33.65% | +10.38 | 5 / 23 |
| 2016 | +17.69% | +5.47% | +12.22 | 3 / 23 |
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
+15.65%
117 windows
min -29.4% · max 57.8%
76% positive
3-Year rolling
+13.51%
93 windows
min -6.0% · max 26.8%
91% positive
5-Year rolling
+13.66%
68 windows
min 5.5% · max 25.2%
100% positive
7-Year rolling
+13.03%
44 windows
min 10.6% · max 16.4%
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
14.76%
3-year · annualised
Sharpe ratio
0.31
vs risk-free 6.5%
Sortino ratio
0.51
Downside-only deviation
Max drawdown
-16.60%
Feb 2026 → Mar 2026
% positive months
58.3%
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.
Peers in Sectoral/Thematic Fund
Recent NAVs
| Date | NAV |
|---|---|
| 17 Jul 2026 | ₹39.4578 |
| 16 Jul 2026 | ₹39.1385 |
| 15 Jul 2026 | ₹39.5583 |
| 14 Jul 2026 | ₹39.2723 |
| 13 Jul 2026 | ₹39.7178 |
| 10 Jul 2026 | ₹39.5760 |
| 9 Jul 2026 | ₹39.0356 |
| 8 Jul 2026 | ₹38.5912 |
| 7 Jul 2026 | ₹39.6241 |
| 6 Jul 2026 | ₹39.5257 |
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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 17 Jul 2026, the NAV of TATA Banking & Financial Services Fund Regular Plan - Payout of Income Distribution cum capital withdrawal option is ₹39.4578. It's a Sectoral/Thematic Fund from Tata, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.
TATA Banking & Financial Services Fund Regular Plan - Payout of Income Distribution cum capital withdrawal option has NAV history starting from 29 Dec 2015, a track record of about 10 years 6 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.
TATA Banking & Financial Services Fund Regular Plan - Payout of Income Distribution cum capital withdrawal option is managed by Tata. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.
Over the trailing 1-year window, TATA Banking & Financial Services Fund Regular Plan - Payout of Income Distribution cum capital withdrawal option has delivered a absolute return of -2.54% — -3.76 pp behind the Sectoral/Thematic Fund category average of 1.21%. The fund ranks #110 of 150 in its category — the third (Q3) quartile.
Over the trailing 3-year window, TATA Banking & Financial Services Fund Regular Plan - Payout of Income Distribution cum capital withdrawal option has delivered a CAGR of 10.62% — +1.53 pp ahead of the Sectoral/Thematic Fund category average of 9.09%. The fund ranks #41 of 76 in its category — the third (Q3) quartile.
Over the trailing 5-year window, TATA Banking & Financial Services Fund Regular Plan - Payout of Income Distribution cum capital withdrawal option has delivered a CAGR of 11.63% — +6.33 pp ahead of the Sectoral/Thematic Fund category average of 5.30%. The fund ranks #20 of 48 in its category — the second (Q2) quartile.
₹1 lakh invested in TATA Banking & Financial Services Fund Regular Plan - Payout of Income Distribution cum capital withdrawal option exactly 10 years ago would be worth approximately ₹327,174 today — a multiplier of 3.27×, based on the 10-year CAGR of 12.58%. The category average over the same window would have grown ₹1 lakh to ₹291,949.
A ₹10,000 monthly SIP in TATA Banking & Financial Services Fund Regular Plan - Payout of Income Distribution cum capital withdrawal option over the last 5 years — total invested ₹600,000 — would be worth ₹795,788 today. That's an XIRR (money-weighted annualised return) of 11.24%.
A ₹10,000 monthly SIP for 10 years in TATA Banking & Financial Services Fund Regular Plan - Payout of Income Distribution cum capital withdrawal option = ₹1,200,000 invested. It would currently be worth ₹2,262,974 (multiplier 1.89×). XIRR: 12.18%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.
On a 5-year basis, TATA Banking & Financial Services Fund Regular Plan - Payout of Income Distribution cum capital withdrawal option ranks #20 out of 48 funds in the Sectoral/Thematic Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 5.30%; this fund delivered 11.63%.
The worst peak-to-trough decline TATA Banking & Financial Services Fund Regular Plan - Payout of Income Distribution cum capital withdrawal option has experienced over the last 5-year window is 23.94% — its NAV fell from a high on 26 Oct 2021 to a low on 20 Jun 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 Banking & Financial Services Fund Regular Plan - Payout of Income Distribution cum capital withdrawal option averaged 13.66% (best 25.23%, worst 5.48%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.34 — weak risk-adjusted performance.
In calendar year 2025, TATA Banking & Financial Services Fund Regular Plan - Payout of Income Distribution cum capital withdrawal option returned 16.82% — beating the Sectoral/Thematic Fund category average of -0.40% by 17.22 pp. It ranked #9 of 129 in its category that year.
TATA Banking & Financial Services Fund Regular Plan - Payout of Income Distribution cum capital withdrawal option is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.
We don't give personal investment advice. TATA Banking & Financial Services Fund Regular Plan - Payout of Income Distribution cum capital withdrawal option is suitable for an investor whose:
- time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
- risk tolerance accepts seeing the portfolio fall sharply without panic-selling
- goal isn't capital preservation in the short term
Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.
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