Should I invest in Tata Income Fund?

We don't give personal investment advice. Tata Income Fund - Growth 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: 4.88%.

Tata

Tata Income Fund - Growth

Latest NAV

₹66.6140

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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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	676 / 904	Q3
1W	-0.75%	-11.71%	+10.97	440 / 779	Q3
2W	-1.14%	-11.75%	+10.62	441 / 776	Q3
1M	-0.60%	-11.75%	+11.14	414 / 772	Q3
3M	+1.59%	-11.29%	+12.88	94 / 763	Q1
6M	-0.35%	-10.39%	+10.05	383 / 749	Q3
YTD	-0.22%	-10.45%	+10.23	395 / 747	Q3
1Y	-0.24%	-8.25%	+8.00	385 / 728	Q3
2Y	+2.26%	-5.23%	+7.49	298 / 660	Q2
3Y	+5.16%	-3.98%	+9.15	274 / 644	Q2
4Y	+6.37%	+3.39%	+2.99	33 / 134	Q1
5Y	+4.88%	+3.38%	+1.50	36 / 92	Q2
7Y	+6.00%	+3.38%	+2.62	15 / 76	Q1
10Y	+7.00%	+3.82%	+3.19	9 / 66	Q1
Inception	+6.42%	-1.09%	+7.51	379 / 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	-0.22%	-8.21%	+7.99	158 / 224
2021	+2.20%	-6.85%	+9.05	174 / 355
2020	+11.42%	+3.44%	+7.98	18 / 433
2019	+9.35%	+4.28%	+5.07	140 / 449
2018	+2.79%	+0.48%	+2.31	124 / 205
2017	+3.23%	+1.61%	+1.62	123 / 223
2016	+11.21%	+3.44%	+7.78	19 / 223
2015	+6.97%	+2.41%	+4.56	87 / 205
2014	+12.97%	+7.92%	+5.05	21 / 107
2013	+6.83%	+4.19%	+2.65	20 / 50
2012	+10.22%	+5.17%	+5.05	3 / 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

+6.75%

189 windows

min -5.3% · max 14.7%

95% positive

3-Year rolling

+6.89%

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

+7.35%

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

3.93%

3-year · annualised

Sharpe ratio

-0.36

vs risk-free 6.5%

Sortino ratio

-0.68

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	₹66.6140
22 Sep 2022	₹66.8668
21 Sep 2022	₹67.0433
20 Sep 2022	₹67.0017
19 Sep 2022	₹67.0929
16 Sep 2022	₹67.1140
15 Sep 2022	₹67.3123
14 Sep 2022	₹67.4348
13 Sep 2022	₹67.4886
12 Sep 2022	₹67.3923

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 - Growth is ₹66.6140. 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 - Growth 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 - Growth 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 - Growth has delivered a absolute return of -0.24% — +8 pp ahead of the Medium to Long Duration Fund category average of -8.25%. The fund ranks #385 of 728 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Tata Income Fund - Growth has delivered a CAGR of 5.16% — +9.15 pp ahead of the Medium to Long Duration Fund category average of -3.98%. The fund ranks #274 of 644 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Tata Income Fund - Growth has delivered a CAGR of 4.88% — +1.5 pp ahead of the Medium to Long Duration Fund category average of 3.38%. The fund ranks #36 of 92 in its category — the second (Q2) quartile.

₹1 lakh invested in Tata Income Fund - Growth exactly 10 years ago would be worth approximately ₹196,794 today — a multiplier of 1.97×, based on the 10-year CAGR of 7.00%. The category average over the same window would have grown ₹1 lakh to ₹145,412.

A ₹10,000 monthly SIP in Tata Income Fund - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹676,600 today. That's an XIRR (money-weighted annualised return) of 4.74%.

A ₹10,000 monthly SIP for 10 years in Tata Income Fund - Growth = ₹1,200,000 invested. It would currently be worth ₹1,633,354 (multiplier 1.36×). XIRR: 6.00%. 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 - Growth ranks #36 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 4.88%.

The worst peak-to-trough decline Tata Income Fund - Growth 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 - Growth averaged 7.07% (best 10.56%, worst 4.48%). 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 - Growth returned 2.20% — beating the Medium to Long Duration Fund category average of -6.85% by 9.05 pp. It ranked #174 of 355 in its category that year.

Tata Income Fund - Growth 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 - Growth 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: 4.88%.

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

Tata Income Fund - Growth

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

More from Tata