Should I invest in Tata Business Cycle Fund?

We don't give personal investment advice. Tata Business Cycle Fund-Direct Plan-Growth 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 lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. 5-year CAGR: 15.81%.

Tata

Tata Business Cycle Fund-Direct Plan-Growth

Latest NAV

₹20.8010

As of

17 Jul 2026

1,214 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	-0.24%	-0.05%	-0.19	171 / 258	Q3
1W	-0.66%	-0.18%	-0.47	209 / 258	Q4
2W	-0.26%	-0.17%	-0.09	173 / 259	Q3
1M	+1.33%	+1.63%	-0.30	165 / 259	Q3
3M	+4.30%	+4.83%	-0.52	127 / 259	Q2
6M	+4.42%	+4.61%	-0.19	114 / 250	Q2
YTD	+1.98%	+2.98%	-1.00	121 / 247	Q2
1Y	+1.90%	+5.46%	-3.56	153 / 235	Q3
2Y	+0.62%	+4.09%	-3.47	127 / 187	Q3
3Y	+15.48%	+15.93%	-0.45	83 / 148	Q3
4Y	+19.31%	+17.58%	+1.72	52 / 121	Q2
5Y	+15.81%	+13.72%	+2.08	38 / 110	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+16.03%	+12.07%	+3.96	84 / 259	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
2026 YTD	+1.98%	+3.40%	-1.42	120 / 244
2025	+1.84%	+4.41%	-2.57	124 / 208
2024	+19.90%	+23.18%	-3.28	97 / 155
2023	+36.11%	+33.51%	+2.60	48 / 127
2022	+15.42%	+4.32%	+11.10	24 / 116
2021	—	—	—	—

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

+19.52%

49 windows

min -5.7% · max 56.8%

90% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+21.34%

24 windows

min 15.5% · max 27.9%

100% positive

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

5-Year rolling

—

Insufficient history

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

13.71%

3-year · annualised

Sharpe ratio

0.65

vs risk-free 6.5%

Sortino ratio

1.09

Downside-only deviation

Max drawdown

-20.01%

Sep 2024 → Mar 2025

% positive months

66.7%

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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - Growth Option - Direct Plan	HDFC	₹19.7420	17 Jul 2026
Nippon India Active Momentum Fund-Direct Plan - Growth Option	Nippon India	₹13.0154	17 Jul 2026
ICICI Prudential Active Momentum Fund - Direct Plan - Growth	ICICI Prudential	₹10.8700	17 Jul 2026
Invesco India Business Cycle Fund - Direct Plan - Growth	Invesco	₹14.5000	17 Jul 2026
Bandhan Business Cycle Fund - Direct Plan - Growth	Bandhan	₹10.1960	17 Jul 2026
quant BFSI Fund - Growth Option - Direct Plan	Quant	₹22.0723	17 Jul 2026
QUANTUM ESG BEST IN CLASS STRATEGY FUND - DIRECT PLAN - GROWTH OPTION	Quantum	₹24.7900	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹72.8200	17 Jul 2026
Motilal Oswal Active Momentum Fund- Direct-Growth	Motilal Oswal	₹13.5242	17 Jul 2026
Franklin India Multi-Factor Fund- Direct- Growth	Franklin India	₹9.6426	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹20.8010
16 Jul 2026	₹20.8504
15 Jul 2026	₹20.8780
14 Jul 2026	₹20.8004
13 Jul 2026	₹20.8930
10 Jul 2026	₹20.9382
9 Jul 2026	₹20.6604
8 Jul 2026	₹20.4540
7 Jul 2026	₹20.8594
6 Jul 2026	₹20.9820

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 Business Cycle Fund-Direct Plan-Growth is ₹20.8010. It's a Sectoral/Thematic Fund from Tata, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Tata Business Cycle Fund-Direct Plan-Growth has NAV history starting from 11 Aug 2021, a track record of about 4 years 11 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

Tata Business Cycle Fund-Direct Plan-Growth 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 Business Cycle Fund-Direct Plan-Growth has delivered a absolute return of 1.90% — -3.56 pp behind the Sectoral/Thematic Fund category average of 5.46%. The fund ranks #153 of 235 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Tata Business Cycle Fund-Direct Plan-Growth has delivered a CAGR of 15.48% — -0.45 pp behind the Sectoral/Thematic Fund category average of 15.93%. The fund ranks #83 of 148 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Tata Business Cycle Fund-Direct Plan-Growth has delivered a CAGR of 15.81% — +2.08 pp ahead of the Sectoral/Thematic Fund category average of 13.72%. The fund ranks #38 of 110 in its category — the second (Q2) quartile.

₹1 lakh invested in Tata Business Cycle Fund-Direct Plan-Growth exactly 5 years ago would be worth approximately ₹208,289 today — a multiplier of 2.08×, based on the 5-year CAGR of 15.81%. The category average over the same window would have grown ₹1 lakh to ₹190,217.

A ₹10,000 monthly SIP in Tata Business Cycle Fund-Direct Plan-Growth over the last 3 years — total invested ₹360,000 — would be worth ₹406,431 today. That's an XIRR (money-weighted annualised return) of 8.04%.

Tata Business Cycle Fund-Direct Plan-Growth doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹406,431 — XIRR 8.04%.

On a 5-year basis, Tata Business Cycle Fund-Direct Plan-Growth ranks #38 out of 110 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 13.72%; this fund delivered 15.81%.

The worst peak-to-trough decline Tata Business Cycle Fund-Direct Plan-Growth has experienced over the last 3-year window is 20.01% — its NAV fell from a high on 27 Sep 2024 to a low on 03 Mar 2025. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, Tata Business Cycle Fund-Direct Plan-Growth averaged 21.34% (best 27.88%, worst 15.48%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.65 — reasonable risk-adjusted performance.

In calendar year 2025, Tata Business Cycle Fund-Direct Plan-Growth returned 1.84% — lagging the Sectoral/Thematic Fund category average of 4.41% by 2.57 pp. It ranked #124 of 208 in its category that year.

Tata Business Cycle Fund-Direct Plan-Growth 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 Business Cycle Fund-Direct Plan-Growth 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

Cross-check the numbers above against alternatives before deciding. 5-year CAGR: 15.81%.

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