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: 9.50%.

Tata

Tata Ethical Fund- Direct Plan - Payout of IDCW Option

Latest NAV

₹220.8501

As of

3 Jun 2026

3,300 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	+1.37%	+0.27%	+1.10	13 / 249	Q1
1W	+0.65%	-1.33%	+1.98	21 / 249	Q1
2W	+1.09%	-0.44%	+1.52	83 / 251	Q2
1M	+0.86%	-0.98%	+1.84	86 / 251	Q2
3M	-2.68%	+0.91%	-3.59	178 / 249	Q3
6M	-7.89%	-3.35%	-4.54	173 / 241	Q3
YTD	-8.60%	-3.40%	-5.20	185 / 241	Q4
1Y	-4.85%	+2.11%	-6.96	176 / 225	Q4
2Y	-2.07%	+1.79%	-3.86	131 / 181	Q3
3Y	+7.39%	+12.30%	-4.91	114 / 142	Q4
4Y	+9.01%	+11.74%	-2.74	92 / 122	Q4
5Y	+9.50%	+8.93%	+0.58	67 / 111	Q3
7Y	+13.44%	+13.08%	+0.36	44 / 92	Q2
10Y	+11.09%	+12.03%	-0.93	44 / 77	Q3
Inception	+12.85%	+8.52%	+4.33	83 / 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	-8.60%	-2.64%	-5.95	183 / 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

+15.74%

152 windows

min -17.2% · max 73.8%

74% positive

3-Year rolling

+13.63%

127 windows

min -4.5% · max 28.6%

98% positive

5-Year rolling

+13.54%

103 windows

min -1.6% · max 25.1%

99% positive

7-Year rolling

+12.95%

79 windows

min 8.4% · max 16.2%

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

13.01%

3-year · annualised

Sharpe ratio

0.12

vs risk-free 6.5%

Sortino ratio

0.16

Downside-only deviation

Max drawdown

-21.84%

Sep 2024 → Mar 2026

% positive months

69.4%

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	₹15.9390	3 Jun 2026
NIPPON INDIA - JAPAN EQUITY FUND - DIRECT Plan - IDCW Option	Nippon India	₹31.2458	3 Jun 2026
SBI Automotive Opportunities Fund - Direct Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹11.7560	3 Jun 2026
ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW	ICICI Prudential	₹64.9400	3 Jun 2026
Invesco India Business Cycle Fund - Direct Plan - IDCW	Invesco	₹13.3100	3 Jun 2026
Bandhan Business Cycle Fund - Direct Plan - IDCW	Bandhan	₹9.6290	3 Jun 2026
quant BFSI Fund - IDCW Option - Direct Plan	Quant	₹20.2732	3 Jun 2026
Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹29.4200	3 Jun 2026
Motilal Oswal Active Momentum Fund- Direct-IDCW	Motilal Oswal	₹13.3281	3 Jun 2026
Franklin India Multi-Factor Fund- Direct- IDCW	Franklin India	₹9.3581	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹220.8501
2 Jun 2026	₹224.8515
1 Jun 2026	₹221.8126
29 May 2026	₹222.2973
27 May 2026	₹224.6087
26 May 2026	₹223.3950
25 May 2026	₹223.2341
22 May 2026	₹221.8746
21 May 2026	₹221.9147
20 May 2026	₹221.8865

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 Ethical Fund- Direct Plan - Payout of IDCW Option is ₹220.8501. 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 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 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 -4.85% — -6.96 pp behind the Sectoral/Thematic Fund category average of 2.11%. The fund ranks #176 of 225 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 7.39% — -4.91 pp behind the Sectoral/Thematic Fund category average of 12.30%. The fund ranks #114 of 142 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 9.50% — +0.58 pp ahead of the Sectoral/Thematic Fund category average of 8.93%. The fund ranks #67 of 111 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 ₹286,353 today — a multiplier of 2.86×, based on the 10-year CAGR of 11.09%. The category average over the same window would have grown ₹1 lakh to ₹311,351.

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 ₹686,021 today. That's an XIRR (money-weighted annualised return) of 5.30%.

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 ₹2,131,689 (multiplier 1.78×). XIRR: 11.06%. 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 #67 out of 111 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 8.93%; this fund delivered 9.50%.

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 13.54% (best 25.11%, worst -1.57%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.27 — 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: 9.50%.

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