Should I invest in Tata Dynamic Bond Fund A?

We don't give personal investment advice. Tata Dynamic Bond Fund A - Dividend 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: 2.6%. 5-year CAGR: 5.70%.

Tata

Tata Dynamic Bond Fund A - Dividend

Latest NAV

₹20.1116

As of

23 Sep 2022

3,978 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	+0.01%	+0.08%	-0.07	21 / 28	Q3
1W	+0.08%	-6.43%	+6.51	26 / 30	Q4
2W	+0.15%	-3.01%	+3.16	25 / 29	Q4
1M	+0.39%	-3.07%	+3.46	9 / 29	Q2
3M	+2.55%	-3.18%	+5.72	4 / 29	Q1
6M	+3.69%	-1.05%	+4.74	6 / 29	Q1
YTD	+4.65%	-1.27%	+5.92	4 / 29	Q1
1Y	+5.28%	-0.20%	+5.48	7 / 29	Q1
2Y	+5.61%	+4.93%	+0.68	13 / 28	Q2
3Y	+6.55%	+4.61%	+1.95	9 / 28	Q2
4Y	+6.94%	+4.83%	+2.11	11 / 28	Q2
5Y	+5.70%	+3.92%	+1.78	10 / 27	Q2
7Y	+4.50%	+3.77%	+0.73	14 / 26	Q3
10Y	+5.10%	+3.84%	+1.26	12 / 25	Q2
Inception	+4.18%	+4.05%	+0.13	14 / 28	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
2022 YTD	+4.65%	+3.05%	+1.60	5 / 22
2021	+4.02%	+2.73%	+1.29	8 / 24
2020	+8.85%	+4.46%	+4.39	10 / 27
2019	+7.29%	+4.44%	+2.86	8 / 27
2018	+4.30%	+3.44%	+0.86	12 / 27
2017	-5.92%	-0.70%	-5.22	25 / 28
2016	+6.24%	+8.38%	-2.14	18 / 28
2015	+7.20%	+4.66%	+2.55	3 / 10
2014	+4.48%	+6.69%	-2.20	5 / 9
2013	+5.81%	+2.58%	+3.23	3 / 8
2012	+7.86%	+4.65%	+3.21	3 / 8

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

+4.31%

189 windows

min -6.5% · max 13.0%

89% positive

3-Year rolling

+4.34%

165 windows

min -0.2% · max 8.2%

99% positive

5-Year rolling

+4.47%

140 windows

min 1.6% · max 7.0%

100% positive

7-Year rolling

+4.60%

116 windows

min 3.1% · max 6.6%

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

3.07%

3-year · annualised

Sharpe ratio

-0.04

vs risk-free 6.5%

Sortino ratio

-0.08

Downside-only deviation

Max drawdown

-2.63%

Mar 2020 → Mar 2020

% positive months

83.3%

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 Dynamic Bond Fund

Scheme	Fund house	NAV	As of
HDFC Dynamic Debt Fund - Normal IDCW Option	HDFC	₹19.4058	3 Jun 2026
NIPPON INDIA DYNAMIC BOND FUND - QUARTERLY IDCW Option	Nippon India	₹10.2473	3 Jun 2026
SBI MAGNUM NRI LONG TERM BOND PLAN-DIVIDEND	SBI	₹19.2863	3 Jun 2026
ICICI Prudential All Seasons Bond Fund - Annual IDCW	ICICI Prudential	₹11.2400	3 Jun 2026
Franklin India Dynamic Accrual Fund- Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - IDCW	Franklin India	₹0.0000	3 Jun 2026
PGIM India Dynamic Bond Fund - Dividend Option - Quarterly	PGIM India	₹1,051.3579	3 Jun 2026
Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	Birla Sun Life	₹33.1008	3 Jun 2026
IDFC Dynamic Bond Fund -PLAN B DIVIDEND	IDFC	₹13.2827	3 Jun 2026
Reliance NRI Income Fund-Dividend Plan-Dividend Option	Reliance	₹25.8725	3 Jun 2026
Union Dynamic Bond Fund - IDCW Option	Union	₹15.3281	3 Jun 2026

Recent NAVs

Date	NAV
23 Sep 2022	₹20.1116
22 Sep 2022	₹20.1094
21 Sep 2022	₹20.1086
20 Sep 2022	₹20.1062
19 Sep 2022	₹20.1041
16 Sep 2022	₹20.0962
15 Sep 2022	₹20.0940
14 Sep 2022	₹20.0920
13 Sep 2022	₹20.0901
12 Sep 2022	₹20.0877

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 23 Sep 2022, the NAV of Tata Dynamic Bond Fund A - Dividend is ₹20.1116. It's a Dynamic Bond Fund from Tata, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Tata Dynamic Bond Fund A - Dividend 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 Dynamic Bond Fund A - Dividend is managed by Tata. It's classified by AMFI under the 'Dynamic Bond Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Tata Dynamic Bond Fund A - Dividend has delivered a absolute return of 5.28% — +5.48 pp ahead of the Dynamic Bond Fund category average of -0.20%. The fund ranks #7 of 29 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Tata Dynamic Bond Fund A - Dividend has delivered a CAGR of 6.55% — +1.95 pp ahead of the Dynamic Bond Fund category average of 4.61%. The fund ranks #9 of 28 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Tata Dynamic Bond Fund A - Dividend has delivered a CAGR of 5.70% — +1.78 pp ahead of the Dynamic Bond Fund category average of 3.92%. The fund ranks #10 of 27 in its category — the second (Q2) quartile.

₹1 lakh invested in Tata Dynamic Bond Fund A - Dividend exactly 10 years ago would be worth approximately ₹164,391 today — a multiplier of 1.64×, based on the 10-year CAGR of 5.10%. The category average over the same window would have grown ₹1 lakh to ₹145,778.

A ₹10,000 monthly SIP in Tata Dynamic Bond Fund A - Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹703,852 today. That's an XIRR (money-weighted annualised return) of 6.31%.

A ₹10,000 monthly SIP for 10 years in Tata Dynamic Bond Fund A - Dividend = ₹1,200,000 invested. It would currently be worth ₹1,557,037 (multiplier 1.30×). XIRR: 5.08%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Tata Dynamic Bond Fund A - Dividend ranks #10 out of 27 funds in the Dynamic Bond Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 3.92%; this fund delivered 5.70%.

The worst peak-to-trough decline Tata Dynamic Bond Fund A - Dividend has experienced over the last 5-year window is 2.63% — its NAV fell from a high on 09 Mar 2020 to a low on 19 Mar 2020. 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 Dynamic Bond Fund A - Dividend averaged 4.47% (best 7.02%, worst 1.62%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.33 — negative risk-adjusted performance.

In calendar year 2021, Tata Dynamic Bond Fund A - Dividend returned 4.02% — beating the Dynamic Bond Fund category average of 2.73% by 1.29 pp. It ranked #8 of 24 in its category that year.

Tata Dynamic Bond Fund A - Dividend 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 Dynamic Bond Fund A - Dividend 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: 2.6%. 5-year CAGR: 5.70%.

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