Should I invest in Tata Income Fund Appreciation - Per Dividend?

We don't give personal investment advice. Tata Income Fund Appreciation - Per Dividend 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: 3.1%. 5-year CAGR: 4.90%.

Tata

Tata Income Fund Appreciation - Per Dividend

Latest NAV

₹38.6487

As of

23 Sep 2022

3,978 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	-0.38%	-8.05%	+7.67	677 / 904	Q3
1W	-0.75%	-11.71%	+10.96	441 / 779	Q3
2W	-1.14%	-11.75%	+10.61	442 / 776	Q3
1M	-0.61%	-11.75%	+11.14	415 / 772	Q3
3M	+1.58%	-11.29%	+12.87	97 / 763	Q1
6M	-0.37%	-10.39%	+10.02	384 / 749	Q3
YTD	-0.25%	-10.45%	+10.19	397 / 747	Q3
1Y	-0.31%	-8.25%	+7.94	389 / 728	Q3
2Y	+2.22%	-5.23%	+7.45	300 / 660	Q2
3Y	+5.18%	-3.98%	+9.17	273 / 644	Q2
4Y	+6.38%	+3.39%	+2.99	31 / 134	Q1
5Y	+4.90%	+3.38%	+1.52	34 / 92	Q2
7Y	+6.01%	+3.38%	+2.63	14 / 76	Q1
10Y	+7.02%	+3.82%	+3.20	8 / 66	Q1
Inception	+6.43%	-1.09%	+7.52	377 / 904	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
2022 YTD	-0.25%	-8.21%	+7.96	160 / 224
2021	+2.18%	-6.85%	+9.04	175 / 355
2020	+11.56%	+3.44%	+8.12	11 / 433
2019	+9.32%	+4.28%	+5.05	141 / 449
2018	+2.82%	+0.48%	+2.33	123 / 205
2017	+3.23%	+1.61%	+1.62	124 / 223
2016	+11.21%	+3.44%	+7.78	18 / 223
2015	+6.98%	+2.41%	+4.56	86 / 205
2014	+13.00%	+7.92%	+5.08	20 / 107
2013	+6.83%	+4.19%	+2.65	19 / 50
2012	+10.20%	+5.17%	+5.03	4 / 34

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

+6.77%

189 windows

min -5.3% · max 14.7%

94% positive

3-Year rolling

+6.90%

165 windows

min 1.6% · max 11.3%

100% positive

5-Year rolling

+7.07%

140 windows

min 4.5% · max 10.6%

100% positive

7-Year rolling

+7.36%

116 windows

min 5.8% · max 8.8%

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

3.98%

3-year · annualised

Sharpe ratio

-0.35

vs risk-free 6.5%

Sortino ratio

-0.66

Downside-only deviation

Max drawdown

-3.13%

Mar 2020 → Mar 2020

% positive months

77.8%

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 Medium to Long Duration Fund

Scheme	Fund house	NAV	As of
HDFC Charity Fund for Cancer Cure - IDCW Option - 50% IDCW Donation Option	HDFC	₹10.0419	3 Jun 2026
NIPPON INDIA FIXED MATURITY PLAN - XLI - SERIES 8 - IDCW Option	Nippon India	₹17.0046	3 Jun 2026
SBI Magnum Income Fund-Bonus	SBI	₹43.7200	3 Jun 2026
ICICI Prudential Bond Fund - Half Yearly IDCW	ICICI Prudential	₹11.0548	3 Jun 2026
Franklin India Medium to Long Duration Fund - IDCW	Franklin India	₹10.4210	3 Jun 2026
Canara Robeco Income-Growth Plan	Canara Robeco	₹55.9906	3 Jun 2026
UTI Bond Fund-Growth (for rep. After 6 months- No Load)	UTI	₹74.6017	3 Jun 2026
Birla Sun Life Income Plus (Dividend)	Birla Sun Life	₹12.9049	3 Jun 2026
IDFC - SSIF - Investment Plan - Annual Dividend	IDFC	₹11.6743	3 Jun 2026
JM Income Fund-Dividend	JM Financial	₹21.5269	3 Jun 2026

Recent NAVs

Date	NAV
23 Sep 2022	₹38.6487
22 Sep 2022	₹38.7958
21 Sep 2022	₹38.8986
20 Sep 2022	₹38.8750
19 Sep 2022	₹38.9283
16 Sep 2022	₹38.9406
15 Sep 2022	₹39.0556
14 Sep 2022	₹39.1266
13 Sep 2022	₹39.1578
12 Sep 2022	₹39.1020

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 23 Sep 2022, the NAV of Tata Income Fund Appreciation - Per Dividend is ₹38.6487. It's a Medium to Long Duration Fund from Tata, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Tata Income Fund Appreciation - Per Dividend 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 Income Fund Appreciation - Per Dividend is managed by Tata. It's classified by AMFI under the 'Medium to Long Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Tata Income Fund Appreciation - Per Dividend has delivered a absolute return of -0.31% — +7.94 pp ahead of the Medium to Long Duration Fund category average of -8.25%. The fund ranks #389 of 728 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Tata Income Fund Appreciation - Per Dividend has delivered a CAGR of 5.18% — +9.17 pp ahead of the Medium to Long Duration Fund category average of -3.98%. The fund ranks #273 of 644 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Tata Income Fund Appreciation - Per Dividend has delivered a CAGR of 4.90% — +1.52 pp ahead of the Medium to Long Duration Fund category average of 3.38%. The fund ranks #34 of 92 in its category — the second (Q2) quartile.

₹1 lakh invested in Tata Income Fund Appreciation - Per Dividend exactly 10 years ago would be worth approximately ₹196,998 today — a multiplier of 1.97×, based on the 10-year CAGR of 7.02%. The category average over the same window would have grown ₹1 lakh to ₹145,412.

A ₹10,000 monthly SIP in Tata Income Fund Appreciation - Per Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹676,655 today. That's an XIRR (money-weighted annualised return) of 4.75%.

A ₹10,000 monthly SIP for 10 years in Tata Income Fund Appreciation - Per Dividend = ₹1,200,000 invested. It would currently be worth ₹1,634,205 (multiplier 1.36×). XIRR: 6.01%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Tata Income Fund Appreciation - Per Dividend ranks #34 out of 92 funds in the Medium to Long Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 3.38%; this fund delivered 4.90%.

The worst peak-to-trough decline Tata Income Fund Appreciation - Per Dividend has experienced over the last 5-year window is 3.13% — its NAV fell from a high on 09 Mar 2020 to a low on 19 Mar 2020. 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 Income Fund Appreciation - Per Dividend averaged 7.07% (best 10.57%, worst 4.50%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.47 — negative risk-adjusted performance.

In calendar year 2021, Tata Income Fund Appreciation - Per Dividend returned 2.18% — beating the Medium to Long Duration Fund category average of -6.85% by 9.04 pp. It ranked #175 of 355 in its category that year.

Tata Income Fund Appreciation - Per Dividend 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 Income Fund Appreciation - Per Dividend 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: 3.1%. 5-year CAGR: 4.90%.

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

Tata Income Fund Appreciation - Per Dividend

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Medium to Long Duration Fund

Recent NAVs

Frequently asked questions

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