Should I invest in Tata Floating Rate Fund?

We don't give personal investment advice. Tata Floating Rate Fund-Regular Plan-IDCW Quarterly Payout 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: 5.97%.

Tata

Tata Floating Rate Fund-Regular Plan-IDCW Quarterly Payout

Latest NAV

₹13.3713

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%	+0.03%	-0.01	23 / 26	Q4
1W	+0.17%	+0.16%	+0.01	18 / 26	Q3
2W	+0.14%	+0.19%	-0.06	23 / 26	Q4
1M	+0.11%	+0.11%	-0.01	19 / 26	Q3
3M	+0.71%	+0.25%	+0.46	12 / 26	Q2
6M	+1.88%	+1.07%	+0.81	13 / 26	Q2
YTD	+1.58%	+0.91%	+0.67	12 / 26	Q2
1Y	+4.47%	+2.52%	+1.95	13 / 26	Q2
2Y	+6.87%	+4.37%	+2.49	11 / 26	Q2
3Y	+6.91%	+4.49%	+2.42	12 / 26	Q2
4Y	+6.75%	+4.41%	+2.33	11 / 26	Q2
5Y	+5.97%	+3.75%	+2.22	9 / 26	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+6.10%	+3.75%	+2.35	9 / 26	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	+1.58%	+0.91%	+0.67	12 / 26
2025	+7.55%	+4.81%	+2.74	8 / 26
2024	+7.71%	+5.21%	+2.51	13 / 26
2023	+7.13%	+4.62%	+2.51	10 / 26
2022	+4.46%	+2.33%	+2.13	6 / 26
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

+6.64%

48 windows

min 3.3% · max 9.5%

100% positive

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

3-Year rolling

+6.87%

24 windows

min 5.7% · max 7.6%

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

1.11%

3-year · annualised

Sharpe ratio

0.18

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.47%

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
SBI Floating Rate DEBT Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹13.9703	3 Jun 2026
BANDHAN FLOATER FUND - REGULAR PLAN ANNUAL IDCW	Bandhan	₹10.2200	3 Jun 2026
Aditya Birla Sun Life Floating Rate Fund-Regular - DAILY IDCW	Aditya Birla Sun Life	₹100.0928	3 Jun 2026
KOTAK FLOATING RATE FUND-REGULAR PLAN-STANDARD Reinvestment of Income Distribution cum capital withdrawal option	Kotak	₹1,412.0106	3 Jun 2026
DSP Floater Fund - Regular Plan - IDCW	DSP	₹13.7638	3 Jun 2026
UTI Floater Fund - Regular Plan - Annual IDCW	UTI	₹1,490.6606	3 Jun 2026
Axis Floater Fund - Regular Plan - Annual IDCW	Axis	₹1,323.4355	3 Jun 2026
Tata Floating Rate Fund-Regular Plan-IDCW Monthly Dividend Reinvestment	Tata	₹13.3713	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹13.3713
2 Jun 2026	₹13.3690
1 Jun 2026	₹13.3662
29 May 2026	₹13.3575
27 May 2026	₹13.3495
26 May 2026	₹13.3466
25 May 2026	₹13.3452
22 May 2026	₹13.3355
21 May 2026	₹13.3292
20 May 2026	₹13.3391

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-Regular Plan-IDCW Quarterly Payout is ₹13.3713. It's a Floater Fund from Tata, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Tata Floating Rate Fund-Regular Plan-IDCW Quarterly Payout 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-Regular Plan-IDCW Quarterly Payout 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-Regular Plan-IDCW Quarterly Payout has delivered a absolute return of 4.47% — +1.95 pp ahead of the Floater Fund category average of 2.52%. The fund ranks #13 of 26 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Tata Floating Rate Fund-Regular Plan-IDCW Quarterly Payout has delivered a CAGR of 6.91% — +2.42 pp ahead of the Floater Fund category average of 4.49%. The fund ranks #12 of 26 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Tata Floating Rate Fund-Regular Plan-IDCW Quarterly Payout has delivered a CAGR of 5.97% — +2.22 pp ahead of the Floater Fund category average of 3.75%. The fund ranks #9 of 26 in its category — the second (Q2) quartile.

₹1 lakh invested in Tata Floating Rate Fund-Regular Plan-IDCW Quarterly Payout exactly 5 years ago would be worth approximately ₹133,621 today — a multiplier of 1.34×, based on the 5-year CAGR of 5.97%. The category average over the same window would have grown ₹1 lakh to ₹120,212.

A ₹10,000 monthly SIP in Tata Floating Rate Fund-Regular Plan-IDCW Quarterly Payout over the last 3 years — total invested ₹360,000 — would be worth ₹397,441 today. That's an XIRR (money-weighted annualised return) of 6.53%.

Tata Floating Rate Fund-Regular Plan-IDCW Quarterly Payout doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹397,441 — XIRR 6.53%.

On a 5-year basis, Tata Floating Rate Fund-Regular Plan-IDCW Quarterly Payout ranks #9 out of 26 funds in the Floater Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 3.75%; this fund delivered 5.97%.

The worst peak-to-trough decline Tata Floating Rate Fund-Regular Plan-IDCW Quarterly Payout has experienced over the last 3-year window is 0.47% — 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-Regular Plan-IDCW Quarterly Payout averaged 6.87% (best 7.56%, worst 5.65%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.18 — weak risk-adjusted performance.

In calendar year 2025, Tata Floating Rate Fund-Regular Plan-IDCW Quarterly Payout returned 7.55% — beating the Floater Fund category average of 4.81% by 2.74 pp. It ranked #8 of 26 in its category that year.

Tata Floating Rate Fund-Regular Plan-IDCW Quarterly Payout 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-Regular Plan-IDCW Quarterly Payout 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: 5.97%.

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