Should I invest in Tata Housing Opportunities Fund?

We don't give personal investment advice. Tata Housing Opportunities Fund - Direct Plan - Growth 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.

Tata

Tata Housing Opportunities Fund - Direct Plan - Growth

Latest NAV

₹16.1494

As of

17 Jul 2026

947 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	+0.34%	-0.05%	+0.38	74 / 258	Q2
1W	-0.05%	-0.18%	+0.13	112 / 258	Q2
2W	+0.23%	-0.17%	+0.40	124 / 259	Q2
1M	+2.87%	+1.63%	+1.25	91 / 259	Q2
3M	+5.46%	+4.83%	+0.63	101 / 259	Q2
6M	+2.74%	+4.61%	-1.87	131 / 250	Q3
YTD	+1.31%	+2.98%	-1.67	132 / 247	Q3
1Y	-2.72%	+5.46%	-8.17	203 / 235	Q4
2Y	-2.16%	+4.09%	-6.24	163 / 187	Q4
3Y	+10.73%	+15.93%	-5.20	124 / 148	Q4
4Y	+12.53%	+17.58%	-5.05	103 / 121	Q4
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+13.03%	+12.07%	+0.96	144 / 259	Q3

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	+1.31%	+3.40%	-2.08	131 / 244
2025	-2.36%	+4.41%	-6.77	159 / 208
2024	+14.13%	+23.18%	-9.04	126 / 155
2023	+41.12%	+33.51%	+7.60	31 / 127
2022	—	—	—	—

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

+16.26%

35 windows

min -8.6% · max 44.2%

69% positive

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

3-Year rolling

+14.56%

11 windows

min 10.7% · max 18.4%

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

17.02%

3-year · annualised

Sharpe ratio

0.32

vs risk-free 6.5%

Sortino ratio

0.47

Downside-only deviation

Max drawdown

-24.19%

Sep 2024 → Feb 2025

% 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 - Growth Option - Direct Plan	HDFC	₹19.7420	17 Jul 2026
Nippon India Active Momentum Fund-Direct Plan - Growth Option	Nippon India	₹13.0154	17 Jul 2026
ICICI Prudential Active Momentum Fund - Direct Plan - Growth	ICICI Prudential	₹10.8700	17 Jul 2026
Invesco India Business Cycle Fund - Direct Plan - Growth	Invesco	₹14.5000	17 Jul 2026
Bandhan Business Cycle Fund - Direct Plan - Growth	Bandhan	₹10.1960	17 Jul 2026
quant BFSI Fund - Growth Option - Direct Plan	Quant	₹22.0723	17 Jul 2026
QUANTUM ESG BEST IN CLASS STRATEGY FUND - DIRECT PLAN - GROWTH OPTION	Quantum	₹24.7900	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹72.8200	17 Jul 2026
Motilal Oswal Active Momentum Fund- Direct-Growth	Motilal Oswal	₹13.5242	17 Jul 2026
Franklin India Multi-Factor Fund- Direct- Growth	Franklin India	₹9.6426	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹16.1494
16 Jul 2026	₹16.0951
15 Jul 2026	₹16.1040
14 Jul 2026	₹16.0530
13 Jul 2026	₹16.1776
10 Jul 2026	₹16.1580
9 Jul 2026	₹15.9446
8 Jul 2026	₹15.7994
7 Jul 2026	₹16.1611
6 Jul 2026	₹16.2078

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 Housing Opportunities Fund - Direct Plan - Growth is ₹16.1494. It's a Sectoral/Thematic Fund from Tata, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Tata Housing Opportunities Fund - Direct Plan - Growth has NAV history starting from 09 Sep 2022, a track record of about 3 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 Housing Opportunities Fund - Direct Plan - Growth 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 Housing Opportunities Fund - Direct Plan - Growth has delivered a absolute return of -2.72% — -8.17 pp behind the Sectoral/Thematic Fund category average of 5.46%. The fund ranks #203 of 235 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Tata Housing Opportunities Fund - Direct Plan - Growth has delivered a CAGR of 10.73% — -5.2 pp behind the Sectoral/Thematic Fund category average of 15.93%. The fund ranks #124 of 148 in its category — the bottom (Q4) quartile.

Tata Housing Opportunities Fund - Direct Plan - Growth doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in Tata Housing Opportunities Fund - Direct Plan - Growth exactly 3 years ago would be worth approximately ₹135,770 today — a multiplier of 1.36×, based on the 3-year CAGR of 10.73%. The category average over the same window would have grown ₹1 lakh to ₹155,796.

A ₹10,000 monthly SIP in Tata Housing Opportunities Fund - Direct Plan - Growth over the last 3 years — total invested ₹360,000 — would be worth ₹389,458 today. That's an XIRR (money-weighted annualised return) of 5.17%.

Tata Housing Opportunities Fund - Direct Plan - Growth doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹389,458 — XIRR 5.17%.

On a 3-year basis, Tata Housing Opportunities Fund - Direct Plan - Growth ranks #124 out of 148 funds in the Sectoral/Thematic Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 15.93%; this fund delivered 10.73%.

The worst peak-to-trough decline Tata Housing Opportunities Fund - Direct Plan - Growth has experienced over the last 3-year window is 24.19% — its NAV fell from a high on 23 Sep 2024 to a low on 28 Feb 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 Housing Opportunities Fund - Direct Plan - Growth averaged 14.56% (best 18.35%, worst 10.73%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.32 — weak risk-adjusted performance.

In calendar year 2025, Tata Housing Opportunities Fund - Direct Plan - Growth returned -2.36% — lagging the Sectoral/Thematic Fund category average of 4.41% by 6.77 pp. It ranked #159 of 208 in its category that year.

Tata Housing Opportunities Fund - Direct Plan - Growth 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 Housing Opportunities Fund - Direct Plan - Growth 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.

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