Should I invest in Tata Dynamic Bond Fund?

We don't give personal investment advice. Tata Dynamic Bond Fund- Direct Plan-Growth Option 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: 6.65%.

Tata

Tata Dynamic Bond Fund- Direct Plan-Growth Option

Latest NAV

₹38.2366

As of

23 Sep 2022

2,346 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%	+11.82%	-11.81	20 / 25	Q4
1W	+0.09%	+3.69%	-3.60	23 / 27	Q4
2W	+0.17%	+7.92%	-7.75	24 / 26	Q4
1M	+0.43%	+7.80%	-7.37	5 / 26	Q1
3M	+2.66%	+8.21%	-5.55	2 / 26	Q1
6M	+3.88%	+9.49%	-5.61	2 / 26	Q1
YTD	+4.92%	+8.54%	-3.62	2 / 26	Q1
1Y	+5.69%	+11.20%	-5.51	3 / 26	Q1
2Y	+6.26%	+9.56%	-3.30	14 / 25	Q3
3Y	+7.40%	+6.58%	+0.82	3 / 24	Q1
4Y	+7.85%	+7.03%	+0.82	3 / 23	Q1
5Y	+6.65%	+6.23%	+0.42	6 / 22	Q2
7Y	+7.66%	+6.90%	+0.76	4 / 21	Q1
10Y	—	—	—	—	—
Inception	+8.76%	+10.91%	-2.15	3 / 25	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
2022 YTD	+4.92%	+16.46%	-11.55	7 / 23
2021	+4.63%	+3.87%	+0.76	7 / 22
2020	+10.21%	+9.74%	+0.47	12 / 21
2019	+8.40%	+8.95%	-0.55	16 / 21
2018	+5.44%	+6.33%	-0.89	14 / 19
2017	+4.21%	+4.33%	-0.12	9 / 18
2016	+12.95%	+13.83%	-0.88	14 / 18
2015	+8.44%	+9.89%	-1.44	2 / 2
2014	+15.31%	+14.24%	+1.07	1 / 2
2013	+9.98%	+7.27%	+2.72	1 / 2

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

+8.73%

107 windows

min 1.1% · max 17.1%

100% positive

3-Year rolling

+8.65%

83 windows

min 5.9% · max 13.2%

100% positive

5-Year rolling

+8.27%

58 windows

min 6.2% · max 10.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+8.65%

34 windows

min 7.5% · max 9.8%

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

3.08%

3-year · annualised

Sharpe ratio

0.22

vs risk-free 6.5%

Sortino ratio

0.49

Downside-only deviation

Max drawdown

-2.60%

Mar 2020 → Mar 2020

% positive months

88.9%

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 - Growth Option - Direct Plan	HDFC	₹100.6129	3 Jun 2026
Nippon India Dynamic Bond Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹41.4175	3 Jun 2026
SBI Dynamic Bond Fund - DIRECT PLAN - Growth	SBI	₹40.5289	3 Jun 2026
ICICI Prudential All Seasons Bond Fund - Direct Plan - Growth	ICICI Prudential	₹41.4902	3 Jun 2026
BANDHAN Dynamic Bond Fund-Direct Plan-Growth	Bandhan	₹38.9185	3 Jun 2026
Quantum Dynamic Bond Fund - Direct Plan Growth Option	Quantum	₹22.2663	3 Jun 2026
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹51.6266	3 Jun 2026
Franklin India Dynamic Accrual Fund - Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct Growth Plan	Franklin India	₹0.0000	3 Jun 2026
Mirae Asset Dynamic Bond Fund -Direct Plan -Growth	Mirae Asset	₹18.6144	3 Jun 2026
Kotak Dynamic Bond Fund - Growth - Direct	Kotak	₹42.2341	3 Jun 2026

Recent NAVs

Date	NAV
23 Sep 2022	₹38.2366
22 Sep 2022	₹38.2320
21 Sep 2022	₹38.2300
20 Sep 2022	₹38.2247
19 Sep 2022	₹38.2202
16 Sep 2022	₹38.2039
15 Sep 2022	₹38.1991
14 Sep 2022	₹38.1948
13 Sep 2022	₹38.1908
12 Sep 2022	₹38.1859

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- Direct Plan-Growth Option is ₹38.2366. It's a Dynamic Bond Fund from Tata, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Tata Dynamic Bond Fund- Direct Plan-Growth Option has NAV history starting from 02 Jan 2013, a track record of about 13 years 5 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Tata Dynamic Bond Fund- Direct Plan-Growth Option 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- Direct Plan-Growth Option has delivered a absolute return of 5.69% — -5.51 pp behind the Dynamic Bond Fund category average of 11.20%. The fund ranks #3 of 26 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Tata Dynamic Bond Fund- Direct Plan-Growth Option has delivered a CAGR of 7.40% — +0.82 pp ahead of the Dynamic Bond Fund category average of 6.58%. The fund ranks #3 of 24 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Tata Dynamic Bond Fund- Direct Plan-Growth Option has delivered a CAGR of 6.65% — +0.42 pp ahead of the Dynamic Bond Fund category average of 6.23%. The fund ranks #6 of 22 in its category — the second (Q2) quartile.

₹1 lakh invested in Tata Dynamic Bond Fund- Direct Plan-Growth Option exactly 5 years ago would be worth approximately ₹137,961 today — a multiplier of 1.38×, based on the 5-year CAGR of 6.65%. The category average over the same window would have grown ₹1 lakh to ₹135,253.

A ₹10,000 monthly SIP in Tata Dynamic Bond Fund- Direct Plan-Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹718,714 today. That's an XIRR (money-weighted annualised return) of 7.14%.

Tata Dynamic Bond Fund- Direct Plan-Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,084,883 — XIRR 7.19%.

On a 5-year basis, Tata Dynamic Bond Fund- Direct Plan-Growth Option ranks #6 out of 22 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 6.23%; this fund delivered 6.65%.

The worst peak-to-trough decline Tata Dynamic Bond Fund- Direct Plan-Growth Option has experienced over the last 5-year window is 2.60% — 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- Direct Plan-Growth Option averaged 8.27% (best 10.16%, worst 6.22%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.01 — weak risk-adjusted performance.

In calendar year 2021, Tata Dynamic Bond Fund- Direct Plan-Growth Option returned 4.63% — beating the Dynamic Bond Fund category average of 3.87% by 0.76 pp. It ranked #7 of 22 in its category that year.

Tata Dynamic Bond Fund- Direct Plan-Growth Option 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- Direct Plan-Growth Option 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: 6.65%.

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

Tata Dynamic Bond Fund- Direct Plan-Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Dynamic Bond Fund

Recent NAVs

Frequently asked questions

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