Should I invest in Tata Floating Short Term Institutional Plan (Growth)?

We don't give personal investment advice. Tata Floating Short Term Institutional Plan (Growth) 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: 0.1%. 5-year CAGR: 6.03%.

UTI

Tata Floating Short Term Institutional Plan (Growth)

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 2 Feb 2014. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

Latest NAV

₹4,344.9468

As of

3 Jun 2026

6,299 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%	+0.01%	+0.01	10 / 46	Q1
1W	+0.13%	+0.06%	+0.07	16 / 46	Q2
2W	+0.24%	+0.10%	+0.14	14 / 46	Q2
1M	+0.48%	+0.22%	+0.26	9 / 46	Q1
3M	+1.64%	+0.67%	+0.96	14 / 46	Q2
6M	+3.13%	+1.27%	+1.86	12 / 46	Q2
YTD	+2.62%	+1.06%	+1.56	13 / 46	Q2
1Y	+6.14%	+2.35%	+3.78	7 / 46	Q1
2Y	+6.68%	+2.56%	+4.12	7 / 46	Q1
3Y	+6.86%	+2.62%	+4.24	7 / 46	Q1
4Y	+6.68%	+2.68%	+4.01	9 / 45	Q1
5Y	+6.03%	+2.48%	+3.54	9 / 45	Q1
7Y	+5.59%	+2.34%	+3.25	7 / 45	Q1
10Y	+6.05%	+2.51%	+3.54	7 / 43	Q1
Inception	+7.09%	+2.49%	+4.60	6 / 42	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	+2.62%	+1.12%	+1.50	12 / 38
2025	+6.50%	+2.63%	+3.87	3 / 38
2024	+7.29%	+3.08%	+4.21	9 / 38
2023	+6.95%	+3.02%	+3.93	7 / 38
2022	+4.75%	+2.16%	+2.59	15 / 40
2021	+3.22%	+1.46%	+1.75	16 / 40
2020	+4.29%	+1.63%	+2.66	2 / 44
2019	+6.55%	+2.29%	+4.26	7 / 45
2018	+7.41%	+2.61%	+4.80	3 / 45
2017	+6.66%	+2.33%	+4.34	4 / 45
2016	+7.63%	+2.72%	+4.91	6 / 44

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

+7.12%

234 windows

min 3.1% · max 10.0%

100% positive

3-Year rolling

+7.07%

210 windows

min 4.0% · max 9.5%

100% positive

5-Year rolling

+7.09%

185 windows

min 5.2% · max 9.1%

100% positive

7-Year rolling

+7.22%

161 windows

min 5.6% · max 8.6%

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

0.21%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.00%

Mar 2025 → Mar 2025

% positive months

100.0%

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 Liquid Fund

Scheme	Fund house	NAV	As of
SBI Premier Liquid Fund - Institutional - Daily Dividend	SBI	₹1,398.0143	3 Jun 2026
ICICI Prudential Liquid Plan - -Super Institutional Dividend Daily	ICICI Prudential	₹100.1482	3 Jun 2026
Templeton India Treasury Management Account-Super Institutional Plan - Daily Dividend	Franklin Templeton	₹1,000.0000	3 Jun 2026
Kotak Liquid-Institutional Premium Plan - (Daily Dividend)	Kotak Mahindra	₹1,262.0921	3 Jun 2026
DSP BlackRock Liquidity Fund- Institutional Plan-Daily Dividend	DSP BlackRock	₹1,001.4663	3 Jun 2026
HSBC Liquid Fund - Institutional Daily IDCW	HSBC	₹1,562.8262	3 Jun 2026
Canara Robeco Liquid-Super Institutional-Daily Div Reinvest.	Canara Robeco	₹1,005.5000	3 Jun 2026
Birla Sun Life Cash Plus-Institutional - Weekly Dividend	Birla Sun Life	₹108.2863	3 Jun 2026
JM High Liquidity Fund-Super Institutional Plan- Growth	JM Financial	₹43.2368	3 Jun 2026
Reliance Liquid Fund-Institutional Plan-Daily Dividend Option	Reliance	₹1,528.7400	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹4,344.9468
2 Jun 2026	₹4,344.3069
1 Jun 2026	₹4,343.6731
31 May 2026	₹4,342.8255
29 May 2026	₹4,341.3351
28 May 2026	₹4,340.1740
26 May 2026	₹4,338.6895
25 May 2026	₹4,338.0666
24 May 2026	₹4,337.4016
22 May 2026	₹4,335.9513

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 Short Term Institutional Plan (Growth) is ₹4,344.9468. It's a Liquid Fund from UTI, run as a Institutional plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Tata Floating Short Term Institutional Plan (Growth) has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

Tata Floating Short Term Institutional Plan (Growth) is managed by UTI. It's classified by AMFI under the 'Liquid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Tata Floating Short Term Institutional Plan (Growth) has delivered a absolute return of 6.14% — +3.78 pp ahead of the Liquid Fund category average of 2.35%. The fund ranks #7 of 46 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Tata Floating Short Term Institutional Plan (Growth) has delivered a CAGR of 6.86% — +4.24 pp ahead of the Liquid Fund category average of 2.62%. The fund ranks #7 of 46 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Tata Floating Short Term Institutional Plan (Growth) has delivered a CAGR of 6.03% — +3.54 pp ahead of the Liquid Fund category average of 2.48%. The fund ranks #9 of 45 in its category — the top (Q1) quartile.

₹1 lakh invested in Tata Floating Short Term Institutional Plan (Growth) exactly 10 years ago would be worth approximately ₹179,950 today — a multiplier of 1.80×, based on the 10-year CAGR of 6.05%. The category average over the same window would have grown ₹1 lakh to ₹128,141.

A ₹10,000 monthly SIP in Tata Floating Short Term Institutional Plan (Growth) over the last 5 years — total invested ₹600,000 — would be worth ₹708,309 today. That's an XIRR (money-weighted annualised return) of 6.57%.

A ₹10,000 monthly SIP for 10 years in Tata Floating Short Term Institutional Plan (Growth) = ₹1,200,000 invested. It would currently be worth ₹1,630,864 (multiplier 1.36×). XIRR: 5.98%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Tata Floating Short Term Institutional Plan (Growth) ranks #9 out of 45 funds in the Liquid Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 2.48%; this fund delivered 6.03%.

The worst peak-to-trough decline Tata Floating Short Term Institutional Plan (Growth) has experienced over the last 5-year window is 0.05% — its NAV fell from a high on 03 May 2022 to a low on 05 May 2022. 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 Floating Short Term Institutional Plan (Growth) averaged 7.09% (best 9.12%, worst 5.15%). 100% of rolling windows ended positive.

In calendar year 2025, Tata Floating Short Term Institutional Plan (Growth) returned 6.50% — beating the Liquid Fund category average of 2.63% by 3.87 pp. It ranked #3 of 38 in its category that year.

Tata Floating Short Term Institutional Plan (Growth) 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 Short Term Institutional Plan (Growth) 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: 0.1%. 5-year CAGR: 6.03%.

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

Tata Floating Short Term Institutional Plan (Growth)

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Liquid Fund

Recent NAVs

Frequently asked questions

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