Should I invest in Tata Ethical Fund?

We don't give personal investment advice. Tata Ethical Fund- Direct Plan - Payout of IDCW Option 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. Worst 5-year drawdown: 21.8%. 5-year CAGR: 8.25%.

Tata

Tata Ethical Fund- Direct Plan - Payout of IDCW Option

Latest NAV

₹223.9166

As of

17 Jul 2026

3,331 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	+0.39%	-0.04%	+0.43	62 / 249	Q1
1W	+1.34%	-0.15%	+1.49	9 / 249	Q1
2W	+1.88%	-0.61%	+2.50	21 / 251	Q1
1M	+1.05%	+1.14%	-0.09	172 / 251	Q3
3M	-2.83%	+3.90%	-6.73	233 / 251	Q4
6M	-8.60%	+2.59%	-11.19	221 / 243	Q4
YTD	-8.98%	+0.68%	-9.66	218 / 241	Q4
1Y	-7.81%	+2.39%	-10.20	199 / 229	Q4
2Y	-6.93%	+0.44%	-7.38	160 / 186	Q4
3Y	+5.69%	+11.53%	-5.84	123 / 151	Q4
4Y	+8.97%	+12.75%	-3.79	98 / 125	Q4
5Y	+8.25%	+9.05%	-0.80	75 / 113	Q3
7Y	+14.44%	+14.43%	+0.01	44 / 92	Q2
10Y	+10.66%	+11.87%	-1.21	48 / 77	Q3
Inception	+12.69%	+10.06%	+2.63	97 / 251	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
2026 YTD	-8.98%	+1.51%	-10.49	216 / 237
2025	-0.49%	+1.49%	-1.98	113 / 204
2024	+14.16%	+20.10%	-5.93	106 / 158
2023	+28.59%	+30.21%	-1.61	69 / 131
2022	-5.37%	+1.48%	-6.85	86 / 119
2021	+45.26%	+31.54%	+13.72	22 / 106
2020	+27.45%	+19.90%	+7.56	27 / 95
2019	-1.93%	+6.43%	-8.35	73 / 87
2018	-4.48%	-9.17%	+4.69	30 / 78
2017	+32.16%	+32.45%	-0.28	40 / 77
2016	-5.03%	+2.96%	-7.99	63 / 77

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

+15.70%

153 windows

min -14.5% · max 65.7%

76% positive

3-Year rolling

+13.87%

129 windows

min -2.1% · max 30.2%

97% positive

5-Year rolling

+13.62%

105 windows

min -0.4% · max 25.1%

99% positive

7-Year rolling

+13.05%

80 windows

min 9.0% · max 16.8%

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

12.96%

3-year · annualised

Sharpe ratio

0.00

vs risk-free 6.5%

Sortino ratio

0.00

Downside-only deviation

Max drawdown

-21.84%

Sep 2024 → Mar 2026

% positive months

63.9%

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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - IDCW Option - Direct Plan	HDFC	₹17.4480	17 Jul 2026
NIPPON INDIA - JAPAN EQUITY FUND - DIRECT Plan - IDCW Option	Nippon India	₹30.5463	17 Jul 2026
SBI Automotive Opportunities Fund - Direct Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹12.5864	17 Jul 2026
ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW	ICICI Prudential	₹70.0600	17 Jul 2026
Invesco India Business Cycle Fund - Direct Plan - IDCW	Invesco	₹14.5200	17 Jul 2026
Bandhan Business Cycle Fund - Direct Plan - IDCW	Bandhan	₹10.1960	17 Jul 2026
quant BFSI Fund - IDCW Option - Direct Plan	Quant	₹22.0968	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹32.1000	17 Jul 2026
Motilal Oswal Active Momentum Fund- Direct-IDCW	Motilal Oswal	₹13.5239	17 Jul 2026
Franklin India Multi-Factor Fund- Direct- IDCW	Franklin India	₹9.6426	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹223.9166
16 Jul 2026	₹223.0431
15 Jul 2026	₹221.9709
14 Jul 2026	₹221.2419
13 Jul 2026	₹222.3415
10 Jul 2026	₹220.9518
9 Jul 2026	₹219.0218
8 Jul 2026	₹217.8806
7 Jul 2026	₹221.1497
6 Jul 2026	₹220.2480

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 17 Jul 2026, the NAV of Tata Ethical Fund- Direct Plan - Payout of IDCW Option is ₹223.9166. 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 Ethical Fund- Direct Plan - Payout of IDCW Option has NAV history starting from 02 Jan 2013, a track record of about 13 years 6 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 Ethical Fund- Direct Plan - Payout of IDCW Option 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 Ethical Fund- Direct Plan - Payout of IDCW Option has delivered a absolute return of -7.81% — -10.2 pp behind the Sectoral/Thematic Fund category average of 2.39%. The fund ranks #199 of 229 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Tata Ethical Fund- Direct Plan - Payout of IDCW Option has delivered a CAGR of 5.69% — -5.84 pp behind the Sectoral/Thematic Fund category average of 11.53%. The fund ranks #123 of 151 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Tata Ethical Fund- Direct Plan - Payout of IDCW Option has delivered a CAGR of 8.25% — -0.8 pp behind the Sectoral/Thematic Fund category average of 9.05%. The fund ranks #75 of 113 in its category — the third (Q3) quartile.

₹1 lakh invested in Tata Ethical Fund- Direct Plan - Payout of IDCW Option exactly 10 years ago would be worth approximately ₹275,292 today — a multiplier of 2.75×, based on the 10-year CAGR of 10.66%. The category average over the same window would have grown ₹1 lakh to ₹306,966.

A ₹10,000 monthly SIP in Tata Ethical Fund- Direct Plan - Payout of IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹674,343 today. That's an XIRR (money-weighted annualised return) of 4.62%.

A ₹10,000 monthly SIP for 10 years in Tata Ethical Fund- Direct Plan - Payout of IDCW Option = ₹1,200,000 invested. It would currently be worth ₹2,096,892 (multiplier 1.75×). XIRR: 10.75%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Tata Ethical Fund- Direct Plan - Payout of IDCW Option ranks #75 out of 113 funds in the Sectoral/Thematic Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 9.05%; this fund delivered 8.25%.

The worst peak-to-trough decline Tata Ethical Fund- Direct Plan - Payout of IDCW Option has experienced over the last 5-year window is 21.84% — its NAV fell from a high on 13 Sep 2024 to a low on 31 Mar 2026. 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 Ethical Fund- Direct Plan - Payout of IDCW Option averaged 13.62% (best 25.10%, worst -0.42%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.17 — weak risk-adjusted performance.

In calendar year 2025, Tata Ethical Fund- Direct Plan - Payout of IDCW Option returned -0.49% — lagging the Sectoral/Thematic Fund category average of 1.49% by 1.98 pp. It ranked #113 of 204 in its category that year.

Tata Ethical Fund- Direct Plan - Payout of IDCW Option 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 Ethical Fund- Direct Plan - Payout of IDCW Option 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. Worst 5-year drawdown: 21.8%. 5-year CAGR: 8.25%.

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