Should I invest in Tata Business Cycle Fund?

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

Latest NAV

₹18.5213

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	+0.21%	+0.26%	-0.05	87 / 168	Q3
1W	-1.67%	-1.38%	-0.29	92 / 168	Q3
2W	+0.77%	-0.76%	+1.53	67 / 170	Q2
1M	-0.44%	-1.31%	+0.86	77 / 170	Q2
3M	+2.44%	+0.23%	+2.20	72 / 168	Q2
6M	-2.21%	-4.26%	+2.05	65 / 160	Q2
YTD	-2.25%	-4.32%	+2.07	66 / 160	Q2
1Y	+0.81%	+0.77%	+0.04	70 / 146	Q2
2Y	-0.30%	+0.22%	-0.52	65 / 104	Q3
3Y	+15.25%	+9.45%	+5.80	24 / 69	Q2
4Y	+16.52%	+8.63%	+7.89	15 / 56	Q2
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+13.78%	+5.31%	+8.47	36 / 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	-2.25%	-3.11%	+0.86	66 / 158
2025	+0.41%	-0.40%	+0.80	61 / 129
2024	+18.06%	+19.58%	-1.52	48 / 84
2023	+33.87%	+28.75%	+5.11	20 / 62
2022	+13.47%	+0.21%	+13.27	12 / 54
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

+17.51%

47 windows

min -7.6% · max 53.1%

83% positive

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

3-Year rolling

+19.21%

23 windows

min 14.0% · max 25.0%

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

14.41%

3-year · annualised

Sharpe ratio

0.61

vs risk-free 6.5%

Sortino ratio

0.96

Downside-only deviation

Max drawdown

-20.50%

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 INNOVATION FUND - IDCW - REGULAR PLAN	HDFC	₹10.4050	3 Jun 2026
Nippon India Active Momentum Fund- Regular Plan- IDCW Option	Nippon India	₹12.0306	3 Jun 2026
SBI Automotive Opportunities Fund - Regular Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹11.4968	3 Jun 2026
Invesco India Business Cycle Fund - Regular Plan - IDCW	Invesco	₹13.0300	3 Jun 2026
Bandhan Business Cycle Fund - Regular Plan - IDCW	Bandhan	₹9.3840	3 Jun 2026
quant BFSI Fund - IDCW Option - Regular Plan	Quant	₹19.3086	3 Jun 2026
Aditya Birla Sun Life Banking and Financial Services Fund - REGULAR - IDCW	Aditya Birla Sun Life	₹21.5800	3 Jun 2026
Motilal Oswal Active Momentum Fund - Regular- IDCW	Motilal Oswal	₹13.3125	3 Jun 2026
Mirae Asset Banking and Financial Services Fund Regular IDCW	Mirae Asset	₹20.1370	3 Jun 2026
Kotak Active Momentum Fund - Regular Plan - IDCW - Payout & Reinvestment	Kotak	₹10.2820	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹18.5213
2 Jun 2026	₹18.5796
1 Jun 2026	₹18.5398
29 May 2026	₹18.8220
27 May 2026	₹19.0159
26 May 2026	₹18.8951
25 May 2026	₹18.8205
22 May 2026	₹18.5690
21 May 2026	₹18.5011
20 May 2026	₹18.4780

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-Regular Plan-IDCW Reinvestment is ₹18.5213. 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 Business Cycle Fund-Regular 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-Regular 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-Regular Plan-IDCW Reinvestment has delivered a absolute return of 0.81% — +0.04 pp ahead of the Sectoral/Thematic Fund category average of 0.77%. The fund ranks #70 of 146 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Tata Business Cycle Fund-Regular Plan-IDCW Reinvestment has delivered a CAGR of 15.25% — +5.8 pp ahead of the Sectoral/Thematic Fund category average of 9.45%. The fund ranks #24 of 69 in its category — the second (Q2) quartile.

Tata Business Cycle Fund-Regular 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-Regular Plan-IDCW Reinvestment exactly 3 years ago would be worth approximately ₹153,074 today — a multiplier of 1.53×, based on the 3-year CAGR of 15.25%. The category average over the same window would have grown ₹1 lakh to ₹131,124.

A ₹10,000 monthly SIP in Tata Business Cycle Fund-Regular Plan-IDCW Reinvestment over the last 3 years — total invested ₹360,000 — would be worth ₹391,297 today. That's an XIRR (money-weighted annualised return) of 5.48%.

Tata Business Cycle Fund-Regular 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 ₹391,297 — XIRR 5.48%.

On a 3-year basis, Tata Business Cycle Fund-Regular Plan-IDCW Reinvestment ranks #24 out of 69 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 9.45%; this fund delivered 15.25%.

The worst peak-to-trough decline Tata Business Cycle Fund-Regular Plan-IDCW Reinvestment has experienced over the last 3-year window is 20.50% — its NAV fell from a high on 26 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-Regular Plan-IDCW Reinvestment averaged 19.21% (best 25.05%, worst 13.98%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.61 — reasonable risk-adjusted performance.

In calendar year 2025, Tata Business Cycle Fund-Regular Plan-IDCW Reinvestment returned 0.41% — beating the Sectoral/Thematic Fund category average of -0.40% by 0.80 pp. It ranked #61 of 129 in its category that year.

Tata Business Cycle Fund-Regular 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-Regular 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.