Should I invest in Tata Housing Opportunities Fund?

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

Latest NAV

₹15.1172

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	+0.33%	-0.06%	+0.39	40 / 168	Q1
1W	-0.08%	-0.22%	+0.13	68 / 168	Q2
2W	+0.17%	-0.98%	+1.15	86 / 170	Q3
1M	+2.74%	+0.82%	+1.92	68 / 170	Q2
3M	+5.04%	+3.83%	+1.21	74 / 170	Q2
6M	+1.93%	+1.86%	+0.07	86 / 162	Q3
YTD	+0.45%	-0.06%	+0.51	83 / 160	Q3
1Y	-4.28%	+1.21%	-5.49	119 / 150	Q4
2Y	-3.75%	-0.78%	-2.97	82 / 109	Q4
3Y	+8.92%	+9.09%	-0.17	49 / 76	Q3
4Y	+10.72%	+9.79%	+0.92	36 / 58	Q3
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+11.14%	+7.30%	+3.85	66 / 170	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	+0.45%	+1.20%	-0.75	83 / 158
2025	-3.95%	-0.40%	-3.56	86 / 129
2024	+12.24%	+19.58%	-7.34	61 / 84
2023	+38.72%	+28.75%	+9.97	9 / 62
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

+14.33%

35 windows

min -10.1% · max 41.8%

63% positive

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

3-Year rolling

+12.66%

11 windows

min 8.9% · max 16.4%

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

16.99%

3-year · annualised

Sharpe ratio

0.22

vs risk-free 6.5%

Sortino ratio

0.32

Downside-only deviation

Max drawdown

-25.89%

Sep 2024 → Mar 2026

% 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 INNOVATION FUND - IDCW - REGULAR PLAN	HDFC	₹11.1190	17 Jul 2026
Nippon India Active Momentum Fund- Regular Plan- IDCW Option	Nippon India	₹12.8415	17 Jul 2026
SBI Automotive Opportunities Fund - Regular Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹12.2938	17 Jul 2026
Invesco India Business Cycle Fund - Regular Plan - IDCW	Invesco	₹14.1900	17 Jul 2026
Bandhan Business Cycle Fund - Regular Plan - IDCW	Bandhan	₹9.9190	17 Jul 2026
quant BFSI Fund - IDCW Option - Regular Plan	Quant	₹21.0055	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - REGULAR - IDCW	Aditya Birla Sun Life	₹23.5200	17 Jul 2026
Motilal Oswal Active Momentum Fund - Regular- IDCW	Motilal Oswal	₹13.5064	17 Jul 2026
Mirae Asset Banking and Financial Services Fund Regular IDCW	Mirae Asset	₹21.9730	17 Jul 2026
Kotak Active Momentum Fund - Regular Plan - IDCW - Payout & Reinvestment	Kotak	₹10.6840	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹15.1172
16 Jul 2026	₹15.0670
15 Jul 2026	₹15.0761
14 Jul 2026	₹15.0290
13 Jul 2026	₹15.1463
10 Jul 2026	₹15.1299
9 Jul 2026	₹14.9307
8 Jul 2026	₹14.7954
7 Jul 2026	₹15.1348
6 Jul 2026	₹15.1792

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 - Regular Plan - IDCW Payout is ₹15.1172. It's a Sectoral/Thematic Fund from Tata, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Tata Housing Opportunities Fund - Regular Plan - IDCW Payout 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 - Regular Plan - IDCW Payout 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 - Regular Plan - IDCW Payout has delivered a absolute return of -4.28% — -5.49 pp behind the Sectoral/Thematic Fund category average of 1.21%. The fund ranks #119 of 150 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Tata Housing Opportunities Fund - Regular Plan - IDCW Payout has delivered a CAGR of 8.92% — -0.17 pp behind the Sectoral/Thematic Fund category average of 9.09%. The fund ranks #49 of 76 in its category — the third (Q3) quartile.

Tata Housing Opportunities Fund - Regular Plan - IDCW Payout 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 - Regular Plan - IDCW Payout exactly 3 years ago would be worth approximately ₹129,211 today — a multiplier of 1.29×, based on the 3-year CAGR of 8.92%. The category average over the same window would have grown ₹1 lakh to ₹129,811.

A ₹10,000 monthly SIP in Tata Housing Opportunities Fund - Regular Plan - IDCW Payout over the last 3 years — total invested ₹360,000 — would be worth ₹379,473 today. That's an XIRR (money-weighted annualised return) of 3.45%.

Tata Housing Opportunities Fund - Regular Plan - IDCW Payout doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹379,473 — XIRR 3.45%.

On a 3-year basis, Tata Housing Opportunities Fund - Regular Plan - IDCW Payout ranks #49 out of 76 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 9.09%; this fund delivered 8.92%.

The worst peak-to-trough decline Tata Housing Opportunities Fund - Regular Plan - IDCW Payout has experienced over the last 3-year window is 25.89% — its NAV fell from a high on 23 Sep 2024 to a low on 31 Mar 2026. 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 - Regular Plan - IDCW Payout averaged 12.66% (best 16.36%, worst 8.92%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.22 — weak risk-adjusted performance.

In calendar year 2025, Tata Housing Opportunities Fund - Regular Plan - IDCW Payout returned -3.95% — lagging the Sectoral/Thematic Fund category average of -0.40% by 3.56 pp. It ranked #86 of 129 in its category that year.

Tata Housing Opportunities Fund - Regular Plan - IDCW Payout 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 - Regular Plan - IDCW Payout 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.