Should I invest in Tata Housing Opportunities Fund?

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

Latest NAV

₹15.2186

As of

3 Jun 2026

916 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	+0.26%	+0.27%	-0.01	120 / 249	Q2
1W	-1.64%	-1.33%	-0.31	133 / 249	Q3
2W	+0.09%	-0.44%	+0.52	126 / 251	Q3
1M	-2.16%	-0.98%	-1.18	184 / 251	Q3
3M	-2.07%	+0.91%	-2.97	172 / 249	Q3
6M	-4.63%	-3.35%	-1.28	134 / 241	Q3
YTD	-4.27%	-3.40%	-0.87	128 / 241	Q3
1Y	-2.67%	+2.11%	-4.78	154 / 225	Q3
2Y	-1.79%	+1.79%	-3.58	128 / 181	Q3
3Y	+10.78%	+12.30%	-1.53	91 / 142	Q3
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+11.78%	+8.52%	+3.26	105 / 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	-4.27%	-2.64%	-1.62	126 / 237
2025	-2.36%	+1.49%	-3.85	132 / 204
2024	+14.13%	+20.10%	-5.96	108 / 158
2023	+41.12%	+30.21%	+10.91	21 / 131
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

+16.08%

34 windows

min -8.5% · max 43.5%

68% positive

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

3-Year rolling

+14.67%

10 windows

min 10.8% · max 17.2%

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

16.98%

3-year · annualised

Sharpe ratio

0.31

vs risk-free 6.5%

Sortino ratio

0.45

Downside-only deviation

Max drawdown

-24.19%

Sep 2024 → Feb 2025

% positive months

61.1%

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	₹15.2186
2 Jun 2026	₹15.2596
1 Jun 2026	₹15.2195
29 May 2026	₹15.3854
27 May 2026	₹15.5605
26 May 2026	₹15.5144
25 May 2026	₹15.5093
22 May 2026	₹15.3320
21 May 2026	₹15.2408
20 May 2026	₹15.2288

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 Housing Opportunities Fund - Direct Plan - IDCW Reinvestment is ₹15.2186. 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 Housing Opportunities Fund - Direct Plan - IDCW Reinvestment has NAV history starting from 09 Sep 2022, a track record of about 3 years 8 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 - IDCW Reinvestment 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 - IDCW Reinvestment has delivered a absolute return of -2.67% — -4.78 pp behind the Sectoral/Thematic Fund category average of 2.11%. The fund ranks #154 of 225 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Tata Housing Opportunities Fund - Direct Plan - IDCW Reinvestment has delivered a CAGR of 10.78% — -1.53 pp behind the Sectoral/Thematic Fund category average of 12.30%. The fund ranks #91 of 142 in its category — the third (Q3) quartile.

Tata Housing Opportunities Fund - Direct Plan - IDCW Reinvestment 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 - IDCW Reinvestment exactly 3 years ago would be worth approximately ₹135,943 today — a multiplier of 1.36×, based on the 3-year CAGR of 10.78%. The category average over the same window would have grown ₹1 lakh to ₹141,640.

A ₹10,000 monthly SIP in Tata Housing Opportunities Fund - Direct Plan - IDCW Reinvestment over the last 3 years — total invested ₹360,000 — would be worth ₹373,698 today. That's an XIRR (money-weighted annualised return) of 2.44%.

Tata Housing Opportunities Fund - Direct Plan - IDCW Reinvestment doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹373,698 — XIRR 2.44%.

On a 3-year basis, Tata Housing Opportunities Fund - Direct Plan - IDCW Reinvestment ranks #91 out of 142 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 12.30%; this fund delivered 10.78%.

The worst peak-to-trough decline Tata Housing Opportunities Fund - Direct Plan - IDCW Reinvestment 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 - IDCW Reinvestment averaged 14.67% (best 17.19%, worst 10.78%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.31 — weak risk-adjusted performance.

In calendar year 2025, Tata Housing Opportunities Fund - Direct Plan - IDCW Reinvestment returned -2.36% — lagging the Sectoral/Thematic Fund category average of 1.49% by 3.85 pp. It ranked #132 of 204 in its category that year.

Tata Housing Opportunities Fund - Direct Plan - IDCW Reinvestment 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 - IDCW Reinvestment 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.