Should I invest in Tata Floating Rate Fund?

We don't give personal investment advice. Tata Floating Rate Fund-Direct Plan-IDCW Periodic Dividend Reinvestment 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. 5-year CAGR: 6.42%.

Tata

Tata Floating Rate Fund-Direct Plan-IDCW Periodic Dividend Reinvestment

Latest NAV

₹13.6581

As of

3 Jun 2026

1,184 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	+0.02%	+0.01%	+0.01	25 / 41	Q3
1W	+0.18%	+0.16%	+0.02	24 / 41	Q3
2W	+0.15%	+0.23%	-0.08	32 / 41	Q4
1M	+0.14%	+0.14%	0.00	21 / 41	Q3
3M	+0.82%	+0.25%	+0.57	13 / 41	Q2
6M	+2.08%	+0.78%	+1.30	11 / 41	Q2
YTD	+1.75%	+0.72%	+1.02	11 / 41	Q2
1Y	+4.91%	+1.77%	+3.13	10 / 41	Q1
2Y	+7.32%	+3.19%	+4.13	5 / 40	Q1
3Y	+7.36%	+3.41%	+3.96	9 / 41	Q1
4Y	+7.20%	+3.32%	+3.88	9 / 40	Q1
5Y	+6.42%	+2.80%	+3.62	6 / 40	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+6.56%	+2.98%	+3.58	5 / 41	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
2026 YTD	+1.75%	+0.69%	+1.06	10 / 38
2025	+8.01%	+3.79%	+4.22	6 / 37
2024	+8.19%	+4.17%	+4.01	11 / 37
2023	+7.57%	+3.85%	+3.73	8 / 38
2022	+4.92%	+1.83%	+3.09	3 / 40
2021	—	—	—	—

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

+7.10%

48 windows

min 3.8% · max 9.9%

100% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+7.32%

24 windows

min 6.1% · max 8.0%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

1.12%

3-year · annualised

Sharpe ratio

0.57

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.45%

Aug 2025 → Aug 2025

% positive months

97.2%

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 Floater Fund

Scheme	Fund house	NAV	As of
HDFC Floating Rate Debt Fund - Direct Plan - Daily IDCW	HDFC	₹10.0800	3 Jun 2026
NIPPON INDIA FLOATER FUND - DIRECT Plan - WEEKLY IDCW Option	Nippon India	₹10.2557	3 Jun 2026
SBI Floating Rate DEBT Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹14.1138	3 Jun 2026
ICICI Prudential Floating Interest Fund - Direct Plan - Daily IDCW	ICICI Prudential	₹100.1450	3 Jun 2026
BANDHAN FLOATER FUND - DIRECT PLAN DAILY IDCW	Bandhan	₹10.1312	3 Jun 2026
Aditya Birla Sun Life Floating Rate Fund-Direct - daily IDCW	Aditya Birla Sun Life	₹100.0001	3 Jun 2026
Franklin India Floating Rate Fund - Direct - IDCW	Franklin India	₹10.0589	3 Jun 2026
KOTAK FLOATING RATE FUND-DIRECT PLAN-Standard Reinvestment of Income Distribution cum capital withdrawal option	Kotak	₹1,417.9966	3 Jun 2026
DSP Floater Fund - Direct Plan - IDCW	DSP	₹13.9635	3 Jun 2026
UTI Floater Fund - Direct Plan - Annual IDCW	UTI	₹1,509.5189	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹13.6581
2 Jun 2026	₹13.6556
1 Jun 2026	₹13.6526
29 May 2026	₹13.6432
27 May 2026	₹13.6347
26 May 2026	₹13.6315
25 May 2026	₹13.6300
22 May 2026	₹13.6196
21 May 2026	₹13.6131
20 May 2026	₹13.6230

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 Floating Rate Fund-Direct Plan-IDCW Periodic Dividend Reinvestment is ₹13.6581. It's a Floater Fund from Tata, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Tata Floating Rate Fund-Direct Plan-IDCW Periodic Dividend Reinvestment has NAV history starting from 12 Jul 2021, a track record of about 4 years 10 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

Tata Floating Rate Fund-Direct Plan-IDCW Periodic Dividend Reinvestment is managed by Tata. It's classified by AMFI under the 'Floater Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Tata Floating Rate Fund-Direct Plan-IDCW Periodic Dividend Reinvestment has delivered a absolute return of 4.91% — +3.13 pp ahead of the Floater Fund category average of 1.77%. The fund ranks #10 of 41 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Tata Floating Rate Fund-Direct Plan-IDCW Periodic Dividend Reinvestment has delivered a CAGR of 7.36% — +3.96 pp ahead of the Floater Fund category average of 3.41%. The fund ranks #9 of 41 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Tata Floating Rate Fund-Direct Plan-IDCW Periodic Dividend Reinvestment has delivered a CAGR of 6.42% — +3.62 pp ahead of the Floater Fund category average of 2.80%. The fund ranks #6 of 40 in its category — the top (Q1) quartile.

₹1 lakh invested in Tata Floating Rate Fund-Direct Plan-IDCW Periodic Dividend Reinvestment exactly 5 years ago would be worth approximately ₹136,474 today — a multiplier of 1.36×, based on the 5-year CAGR of 6.42%. The category average over the same window would have grown ₹1 lakh to ₹114,798.

A ₹10,000 monthly SIP in Tata Floating Rate Fund-Direct Plan-IDCW Periodic Dividend Reinvestment over the last 3 years — total invested ₹360,000 — would be worth ₹400,146 today. That's an XIRR (money-weighted annualised return) of 6.98%.

Tata Floating Rate Fund-Direct Plan-IDCW Periodic Dividend Reinvestment doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹400,146 — XIRR 6.98%.

On a 5-year basis, Tata Floating Rate Fund-Direct Plan-IDCW Periodic Dividend Reinvestment ranks #6 out of 40 funds in the Floater Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 2.80%; this fund delivered 6.42%.

The worst peak-to-trough decline Tata Floating Rate Fund-Direct Plan-IDCW Periodic Dividend Reinvestment has experienced over the last 3-year window is 0.45% — its NAV fell from a high on 04 Aug 2025 to a low on 26 Aug 2025. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, Tata Floating Rate Fund-Direct Plan-IDCW Periodic Dividend Reinvestment averaged 7.32% (best 8.02%, worst 6.11%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.57 — reasonable risk-adjusted performance.

In calendar year 2025, Tata Floating Rate Fund-Direct Plan-IDCW Periodic Dividend Reinvestment returned 8.01% — beating the Floater Fund category average of 3.79% by 4.22 pp. It ranked #6 of 37 in its category that year.

Tata Floating Rate Fund-Direct Plan-IDCW Periodic Dividend Reinvestment 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 Floating Rate Fund-Direct Plan-IDCW Periodic Dividend Reinvestment 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. 5-year CAGR: 6.42%.

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