Should I invest in Tata Business Cycle Fund?

We don't give personal investment advice. Tata Business Cycle Fund-Direct Plan-IDCW Reinvestment 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.

Tata

Tata Business Cycle Fund-Direct Plan-IDCW Reinvestment

Latest NAV

₹19.9861

As of

3 Jun 2026

1,183 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	+0.22%	+0.27%	-0.05	130 / 249	Q3
1W	-1.65%	-1.33%	-0.32	135 / 249	Q3
2W	+0.82%	-0.44%	+1.26	95 / 251	Q2
1M	-0.34%	-0.98%	+0.64	108 / 251	Q2
3M	+2.77%	+0.91%	+1.87	102 / 249	Q2
6M	-1.55%	-3.35%	+1.80	93 / 241	Q2
YTD	-1.71%	-3.40%	+1.69	96 / 241	Q2
1Y	+2.22%	+2.11%	+0.10	102 / 225	Q2
2Y	+1.13%	+1.79%	-0.66	97 / 181	Q3
3Y	+16.98%	+12.30%	+4.67	45 / 142	Q2
4Y	+18.33%	+11.74%	+6.58	27 / 122	Q1
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+15.59%	+8.52%	+7.07	51 / 251	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	-1.71%	-2.64%	+0.94	94 / 237
2025	+1.84%	+1.49%	+0.35	96 / 204
2024	+19.90%	+20.10%	-0.20	79 / 158
2023	+36.11%	+30.21%	+5.91	40 / 131
2022	+15.42%	+1.48%	+13.94	17 / 119
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

+19.40%

47 windows

min -6.3% · max 55.6%

83% positive

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

3-Year rolling

+21.13%

23 windows

min 15.7% · max 27.2%

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

14.43%

3-year · annualised

Sharpe ratio

0.72

vs risk-free 6.5%

Sortino ratio

1.15

Downside-only deviation

Max drawdown

-20.01%

Sep 2024 → Mar 2025

% positive months

72.2%

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 - IDCW Option - Direct Plan	HDFC	₹15.9390	3 Jun 2026
NIPPON INDIA - JAPAN EQUITY FUND - DIRECT Plan - IDCW Option	Nippon India	₹31.2458	3 Jun 2026
SBI Automotive Opportunities Fund - Direct Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹11.7560	3 Jun 2026
ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW	ICICI Prudential	₹64.9400	3 Jun 2026
Invesco India Business Cycle Fund - Direct Plan - IDCW	Invesco	₹13.3100	3 Jun 2026
Bandhan Business Cycle Fund - Direct Plan - IDCW	Bandhan	₹9.6290	3 Jun 2026
quant BFSI Fund - IDCW Option - Direct Plan	Quant	₹20.2732	3 Jun 2026
Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹29.4200	3 Jun 2026
Motilal Oswal Active Momentum Fund- Direct-IDCW	Motilal Oswal	₹13.3281	3 Jun 2026
Franklin India Multi-Factor Fund- Direct- IDCW	Franklin India	₹9.3581	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹19.9861
2 Jun 2026	₹20.0483
1 Jun 2026	₹20.0046
29 May 2026	₹20.3069
27 May 2026	₹20.5148
26 May 2026	₹20.3837
25 May 2026	₹20.3025
22 May 2026	₹20.0291
21 May 2026	₹19.9551
20 May 2026	₹19.9295

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 03 Jun 2026, the NAV of Tata Business Cycle Fund-Direct Plan-IDCW Reinvestment is ₹19.9861. It's a Sectoral/Thematic Fund from Tata, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Tata Business Cycle Fund-Direct Plan-IDCW Reinvestment has NAV history starting from 11 Aug 2021, a track record of about 4 years 9 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-IDCW Reinvestment 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-IDCW Reinvestment has delivered a absolute return of 2.22% — +0.1 pp ahead of the Sectoral/Thematic Fund category average of 2.11%. The fund ranks #102 of 225 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Tata Business Cycle Fund-Direct Plan-IDCW Reinvestment has delivered a CAGR of 16.98% — +4.67 pp ahead of the Sectoral/Thematic Fund category average of 12.30%. The fund ranks #45 of 142 in its category — the second (Q2) quartile.

Tata Business Cycle Fund-Direct Plan-IDCW Reinvestment doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in Tata Business Cycle Fund-Direct Plan-IDCW Reinvestment exactly 3 years ago would be worth approximately ₹160,075 today — a multiplier of 1.60×, based on the 3-year CAGR of 16.98%. The category average over the same window would have grown ₹1 lakh to ₹141,640.

A ₹10,000 monthly SIP in Tata Business Cycle Fund-Direct Plan-IDCW Reinvestment over the last 3 years — total invested ₹360,000 — would be worth ₹400,589 today. That's an XIRR (money-weighted annualised return) of 7.05%.

Tata Business Cycle Fund-Direct Plan-IDCW Reinvestment doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹400,589 — XIRR 7.05%.

On a 3-year basis, Tata Business Cycle Fund-Direct Plan-IDCW Reinvestment ranks #45 out of 142 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 12.30%; this fund delivered 16.98%.

The worst peak-to-trough decline Tata Business Cycle Fund-Direct Plan-IDCW Reinvestment 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-IDCW Reinvestment averaged 21.13% (best 27.17%, worst 15.71%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.72 — reasonable risk-adjusted performance.

In calendar year 2025, Tata Business Cycle Fund-Direct Plan-IDCW Reinvestment returned 1.84% — beating the Sectoral/Thematic Fund category average of 1.49% by 0.35 pp. It ranked #96 of 204 in its category that year.

Tata Business Cycle Fund-Direct Plan-IDCW Reinvestment 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-IDCW Reinvestment 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.

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