Should I invest in Tata Dynamic Bond Fund B?

We don't give personal investment advice. Tata Dynamic Bond Fund B - Growth 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: 6.3%. 5-year CAGR: 10.37%.

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Tata Dynamic Bond Fund B - Growth

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%	-9.99%	+9.97	729 / 1129	Q3
1W	-0.03%	-13.04%	+13.01	419 / 1151	Q2
2W	0.00%	-13.18%	+13.18	375 / 1149	Q2
1M	+0.01%	-13.26%	+13.28	356 / 1137	Q2
3M	+0.06%	-13.15%	+13.21	395 / 1116	Q2
6M	+3.88%	-15.45%	+19.33	191 / 906	Q1
YTD	+3.95%	-15.77%	+19.73	178 / 952	Q1
1Y	+6.99%	-13.09%	+20.07	248 / 820	Q2
2Y	+8.56%	-12.72%	+21.28	46 / 446	Q1
3Y	+9.78%	-11.01%	+20.79	8 / 385	Q1
4Y	+10.09%	-6.52%	+16.61	6 / 339	Q1
5Y	+10.37%	-7.36%	+17.73	4 / 314	Q1
7Y	+9.40%	+2.53%	+6.87	6 / 234	Q1
10Y	+7.83%	+3.14%	+4.68	17 / 101	Q1
Inception	+7.71%	-13.63%	+21.34	235 / 1199	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
2017 YTD	+3.95%	+1.63%	+2.33	35 / 137
2016	+12.21%	+3.02%	+9.19	4 / 181
2015	+7.75%	+2.22%	+5.53	36 / 216
2014	+14.65%	+5.51%	+9.14	19 / 240
2013	+9.40%	-1.95%	+11.36	11 / 276
2012	+8.08%	+1.38%	+6.70	119 / 295
2011	+7.32%	-3.16%	+10.48	84 / 317
2010	+4.19%	-5.78%	+9.98	97 / 377
2009	-2.83%	-12.86%	+10.03	511 / 713
2008	+11.88%	-2.02%	+13.90	19 / 380
2007	+8.04%	+4.84%	+3.20	60 / 142

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

+7.91%

128 windows

min -1.0% · max 15.7%

98% positive

3-Year rolling

+7.72%

105 windows

min 3.0% · max 12.5%

100% positive

5-Year rolling

+7.69%

81 windows

min 4.8% · max 11.1%

100% positive

7-Year rolling

+7.72%

55 windows

min 5.7% · max 9.6%

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

4.02%

3-year · annualised

Sharpe ratio

0.74

vs risk-free 6.5%

Sortino ratio

1.81

Downside-only deviation

Max drawdown

-3.12%

Nov 2016 → Dec 2016

% 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.

Recent NAVs

Date	NAV
27 Oct 2017	₹26.9225
26 Oct 2017	₹26.9260
25 Oct 2017	₹26.9159
24 Oct 2017	₹26.9292
23 Oct 2017	₹26.9107
18 Oct 2017	₹26.9309
17 Oct 2017	₹26.9194
16 Oct 2017	₹26.9383
13 Oct 2017	₹26.9227
12 Oct 2017	₹26.8927

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.

Tata Dynamic Bond Fund B - Growth is a Income from Tata (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

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

Over the trailing 1-year window, Tata Dynamic Bond Fund B - Growth has delivered a absolute return of 6.99% — +20.07 pp ahead of the Income category average of -13.09%. The fund ranks #248 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Tata Dynamic Bond Fund B - Growth has delivered a CAGR of 9.78% — +20.79 pp ahead of the Income category average of -11.01%. The fund ranks #8 of 385 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Tata Dynamic Bond Fund B - Growth has delivered a CAGR of 10.37% — +17.73 pp ahead of the Income category average of -7.36%. The fund ranks #4 of 314 in its category — the top (Q1) quartile.

₹1 lakh invested in Tata Dynamic Bond Fund B - Growth exactly 10 years ago would be worth approximately ₹212,437 today — a multiplier of 2.12×, based on the 10-year CAGR of 7.83%. The category average over the same window would have grown ₹1 lakh to ₹136,244.

A ₹10,000 monthly SIP in Tata Dynamic Bond Fund B - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹764,845 today. That's an XIRR (money-weighted annualised return) of 9.63%.

A ₹10,000 monthly SIP for 10 years in Tata Dynamic Bond Fund B - Growth = ₹1,200,000 invested. It would currently be worth ₹1,896,300 (multiplier 1.58×). XIRR: 8.85%. 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 B - Growth ranks #4 out of 314 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -7.36%; this fund delivered 10.37%.

The worst peak-to-trough decline Tata Dynamic Bond Fund B - Growth has experienced over the last 5-year window is 6.33% — its NAV fell from a high on 27 May 2013 to a low on 19 Aug 2013. 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 B - Growth averaged 7.69% (best 11.14%, worst 4.77%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.88 — reasonable risk-adjusted performance.

In calendar year 2016, Tata Dynamic Bond Fund B - Growth returned 12.21% — beating the Income category average of 3.02% by 9.19 pp. It ranked #4 of 181 in its category that year.

Tata Dynamic Bond Fund B - Growth 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 B - Growth 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: 6.3%. 5-year CAGR: 10.37%.

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

Tata Dynamic Bond Fund B - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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