Should I invest in Tata Income Fund - Div Semi?

We don't give personal investment advice. Tata Income Fund - Div Semi 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: 5.6%. 5-year CAGR: 3.10%.

Tata

Tata Income Fund - Div Semi

Latest NAV

₹15.3414

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	678 / 904	Q3
1W	-0.75%	-11.71%	+10.96	442 / 779	Q3
2W	-1.14%	-11.75%	+10.61	444 / 776	Q3
1M	-0.61%	-11.75%	+11.13	416 / 772	Q3
3M	+1.57%	-11.29%	+12.86	98 / 763	Q1
6M	-0.37%	-10.39%	+10.02	385 / 749	Q3
YTD	-0.25%	-10.45%	+10.19	398 / 747	Q3
1Y	-0.30%	-8.25%	+7.94	388 / 728	Q3
2Y	+2.19%	-5.23%	+7.42	304 / 660	Q2
3Y	+4.22%	-3.98%	+8.21	280 / 644	Q2
4Y	+4.15%	+3.39%	+0.77	65 / 134	Q2
5Y	+3.10%	+3.38%	-0.28	54 / 92	Q3
7Y	+3.16%	+3.38%	-0.21	42 / 76	Q3
10Y	+2.99%	+3.82%	-0.83	39 / 66	Q3
Inception	+2.24%	-1.09%	+3.33	477 / 904	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
2022 YTD	-0.25%	-8.21%	+7.96	161 / 224
2021	+2.13%	-6.85%	+8.99	176 / 355
2020	+8.57%	+3.44%	+5.14	160 / 433
2019	+3.26%	+4.28%	-1.02	288 / 449
2018	+2.64%	+0.48%	+2.15	126 / 205
2017	-0.24%	+1.61%	-1.86	160 / 223
2016	+3.72%	+3.44%	+0.28	134 / 223
2015	+0.95%	+2.41%	-1.47	114 / 205
2014	+5.73%	+7.92%	-2.19	66 / 107
2013	-0.29%	+4.19%	-4.48	45 / 50
2012	+3.05%	+5.17%	-2.11	19 / 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

+2.35%

189 windows

min -7.0% · max 9.2%

81% positive

3-Year rolling

+2.25%

165 windows

min -1.5% · max 5.5%

97% positive

5-Year rolling

+2.19%

140 windows

min 0.3% · max 3.9%

100% positive

7-Year rolling

+2.23%

116 windows

min 0.6% · max 3.9%

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

4.66%

3-year · annualised

Sharpe ratio

-0.49

vs risk-free 6.5%

Sortino ratio

-0.72

Downside-only deviation

Max drawdown

-5.58%

Mar 2020 → Mar 2020

% positive months

75.0%

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 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	₹15.3414
22 Sep 2022	₹15.3999
21 Sep 2022	₹15.4408
20 Sep 2022	₹15.4315
19 Sep 2022	₹15.4528
16 Sep 2022	₹15.4577
15 Sep 2022	₹15.5033
14 Sep 2022	₹15.5316
13 Sep 2022	₹15.5440
12 Sep 2022	₹15.5218

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 - Div Semi is ₹15.3414. 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 - Div Semi 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 - Div Semi 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 - Div Semi has delivered a absolute return of -0.30% — +7.94 pp ahead of the Medium to Long Duration Fund category average of -8.25%. The fund ranks #388 of 728 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Tata Income Fund - Div Semi has delivered a CAGR of 4.22% — +8.21 pp ahead of the Medium to Long Duration Fund category average of -3.98%. The fund ranks #280 of 644 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Tata Income Fund - Div Semi has delivered a CAGR of 3.10% — -0.28 pp behind the Medium to Long Duration Fund category average of 3.38%. The fund ranks #54 of 92 in its category — the third (Q3) quartile.

₹1 lakh invested in Tata Income Fund - Div Semi exactly 10 years ago would be worth approximately ₹134,197 today — a multiplier of 1.34×, based on the 10-year CAGR of 2.99%. The category average over the same window would have grown ₹1 lakh to ₹145,412.

A ₹10,000 monthly SIP in Tata Income Fund - Div Semi over the last 5 years — total invested ₹600,000 — would be worth ₹652,111 today. That's an XIRR (money-weighted annualised return) of 3.28%.

A ₹10,000 monthly SIP for 10 years in Tata Income Fund - Div Semi = ₹1,200,000 invested. It would currently be worth ₹1,400,602 (multiplier 1.17×). XIRR: 3.03%. 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 - Div Semi ranks #54 out of 92 funds in the Medium to Long Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.38%; this fund delivered 3.10%.

The worst peak-to-trough decline Tata Income Fund - Div Semi has experienced over the last 5-year window is 5.58% — 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 - Div Semi averaged 2.19% (best 3.94%, worst 0.31%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.78 — negative risk-adjusted performance.

In calendar year 2021, Tata Income Fund - Div Semi returned 2.13% — beating the Medium to Long Duration Fund category average of -6.85% by 8.99 pp. It ranked #176 of 355 in its category that year.

Tata Income Fund - Div Semi 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 - Div Semi 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: 5.6%. 5-year CAGR: 3.10%.

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