Should I invest in Tata Income Plus Fund A - Income / Bonus Option?

We don't give personal investment advice. Tata Income Plus Fund A - Income / Bonus Option 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: 16.8%. 5-year CAGR: 0.56%.

Tata

Tata Income Plus Fund A - Income / Bonus Option

Latest NAV

₹13.5481

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	-0.14%	-0.05%	-0.09	29 / 32	Q4
1W	-0.32%	-0.09%	-0.24	30 / 32	Q4
2W	-0.54%	-0.01%	-0.53	31 / 32	Q4
1M	-0.15%	+0.54%	-0.69	25 / 32	Q4
3M	+1.64%	+1.27%	+0.36	17 / 32	Q3
6M	+0.28%	+2.01%	-1.73	25 / 32	Q4
YTD	+0.86%	+1.08%	-0.22	19 / 32	Q3
1Y	+1.59%	+2.31%	-0.72	19 / 32	Q3
2Y	+4.18%	+2.97%	+1.21	15 / 31	Q2
3Y	+6.36%	+3.19%	+3.16	11 / 31	Q2
4Y	+1.36%	+3.11%	-1.74	19 / 31	Q3
5Y	+0.56%	+2.66%	-2.10	22 / 31	Q3
7Y	+1.27%	+2.70%	-1.44	16 / 28	Q3
10Y	+1.61%	+3.14%	-1.53	15 / 25	Q3
Inception	+1.69%	+2.93%	-1.24	15 / 32	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	+0.86%	+0.86%	0.00	12 / 24
2021	+4.90%	+2.88%	+2.02	8 / 25
2020	+11.06%	+1.22%	+9.84	4 / 30
2019	-11.90%	+2.51%	-14.41	30 / 30
2018	+0.78%	+2.64%	-1.86	21 / 30
2017	-0.63%	+2.00%	-2.63	24 / 30
2016	+4.30%	+5.02%	-0.72	16 / 31
2015	+0.11%	+2.70%	-2.59	8 / 12
2014	+5.21%	+5.63%	-0.41	3 / 8
2013	+0.04%	+1.14%	-1.10	4 / 8
2012	+1.95%	+3.44%	-1.49	3 / 7

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

+1.80%

189 windows

min -13.8% · max 11.4%

78% positive

3-Year rolling

+1.46%

165 windows

min -4.8% · max 6.6%

85% positive

5-Year rolling

+1.54%

140 windows

min -1.9% · max 3.3%

89% positive

7-Year rolling

+1.64%

116 windows

min -0.5% · max 3.0%

90% 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

3.28%

3-year · annualised

Sharpe ratio

-0.09

vs risk-free 6.5%

Sortino ratio

-0.18

Downside-only deviation

Max drawdown

-3.01%

Mar 2020 → Mar 2020

% positive months

80.6%

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 Duration Fund

Scheme	Fund house	NAV	As of
HDFC High Interest Fund - Short Term Plan-Dividend Option	HDFC	₹10.0948	17 Jul 2026
Nippon India Medium Duration Fund - Segregated Portfolio 2 - Bonus Option	Nippon India	₹0.0000	17 Jul 2026
SBI Magnum Income Plus Fund - Investment Plan (D)	SBI	₹21.1335	17 Jul 2026
ICICI Prudential Long Term Floating Rate Plan-Plan A-Growth	ICICI Prudential	₹48.2972	17 Jul 2026
Kotak Medium Term Fund - Standard Income Distribution cum capital withdrawal option	Kotak	₹14.9765	17 Jul 2026
IDFC - SSIF - Medium Term - Bimonthly Dividend Option	IDFC	₹10.4772	17 Jul 2026
Sundaram BNP Paribas Bond Saver-Growth	Sundaram BNP Paribas	₹71.6149	17 Jul 2026

Recent NAVs

Date	NAV
23 Sep 2022	₹13.5481
22 Sep 2022	₹13.5670
21 Sep 2022	₹13.5914
20 Sep 2022	₹13.5872
19 Sep 2022	₹13.5957
16 Sep 2022	₹13.5919
15 Sep 2022	₹13.6044
14 Sep 2022	₹13.6214
13 Sep 2022	₹13.6296
12 Sep 2022	₹13.6202

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 Plus Fund A - Income / Bonus Option is ₹13.5481. It's a Medium Duration Fund from Tata, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Tata Income Plus Fund A - Income / Bonus Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 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 Plus Fund A - Income / Bonus Option is managed by Tata. It's classified by AMFI under the 'Medium Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Tata Income Plus Fund A - Income / Bonus Option has delivered a absolute return of 1.59% — -0.72 pp behind the Medium Duration Fund category average of 2.31%. The fund ranks #19 of 32 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Tata Income Plus Fund A - Income / Bonus Option has delivered a CAGR of 6.36% — +3.16 pp ahead of the Medium Duration Fund category average of 3.19%. The fund ranks #11 of 31 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Tata Income Plus Fund A - Income / Bonus Option has delivered a CAGR of 0.56% — -2.1 pp behind the Medium Duration Fund category average of 2.66%. The fund ranks #22 of 31 in its category — the third (Q3) quartile.

₹1 lakh invested in Tata Income Plus Fund A - Income / Bonus Option exactly 10 years ago would be worth approximately ₹117,333 today — a multiplier of 1.17×, based on the 10-year CAGR of 1.61%. The category average over the same window would have grown ₹1 lakh to ₹136,237.

A ₹10,000 monthly SIP in Tata Income Plus Fund A - Income / Bonus Option over the last 5 years — total invested ₹600,000 — would be worth ₹640,012 today. That's an XIRR (money-weighted annualised return) of 2.54%.

A ₹10,000 monthly SIP for 10 years in Tata Income Plus Fund A - Income / Bonus Option = ₹1,200,000 invested. It would currently be worth ₹1,297,866 (multiplier 1.08×). XIRR: 1.55%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Tata Income Plus Fund A - Income / Bonus Option ranks #22 out of 31 funds in the Medium Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 2.66%; this fund delivered 0.56%.

The worst peak-to-trough decline Tata Income Plus Fund A - Income / Bonus Option has experienced over the last 5-year window is 16.81% — its NAV fell from a high on 20 Nov 2017 to a low on 17 Jun 2019. 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 Plus Fund A - Income / Bonus Option averaged 1.54% (best 3.30%, worst -1.88%). 89% of rolling windows ended positive. The 5-year Sharpe ratio is -0.72 — negative risk-adjusted performance.

In calendar year 2021, Tata Income Plus Fund A - Income / Bonus Option returned 4.90% — beating the Medium Duration Fund category average of 2.88% by 2.02 pp. It ranked #8 of 25 in its category that year.

Tata Income Plus Fund A - Income / Bonus Option 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 Plus Fund A - Income / Bonus Option 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: 16.8%. 5-year CAGR: 0.56%.

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