Should I invest in Tata India Consumer Fund?

We don't give personal investment advice. Tata India Consumer Fund-Direct Plan-Growth 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. Worst 5-year drawdown: 20.7%. 5-year CAGR: 15.67%.

Tata

Tata India Consumer Fund-Direct Plan-Growth

Latest NAV

₹53.8940

As of

17 Jul 2026

2,599 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.

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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	-0.25%	-0.05%	-0.20	175 / 258	Q3
1W	-0.76%	-0.18%	-0.57	221 / 258	Q4
2W	-0.34%	-0.17%	-0.17	182 / 259	Q3
1M	+2.28%	+1.63%	+0.65	113 / 259	Q2
3M	+7.39%	+4.83%	+2.56	73 / 259	Q2
6M	+5.93%	+4.61%	+1.32	98 / 250	Q2
YTD	+3.64%	+2.98%	+0.66	101 / 247	Q2
1Y	+5.43%	+5.46%	-0.03	107 / 235	Q2
2Y	+5.00%	+4.09%	+0.92	82 / 187	Q2
3Y	+15.70%	+15.93%	-0.23	79 / 148	Q3
4Y	+17.40%	+17.58%	-0.18	72 / 121	Q3
5Y	+15.67%	+13.72%	+1.94	40 / 110	Q2
7Y	+18.11%	+17.79%	+0.32	41 / 91	Q2
10Y	+17.50%	+14.89%	+2.61	12 / 76	Q1
Inception	+17.25%	+12.07%	+5.17	64 / 259	Q1

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	+3.64%	+3.40%	+0.24	100 / 244
2025	-1.30%	+4.41%	-5.70	153 / 208
2024	+27.99%	+23.18%	+4.82	42 / 155
2023	+38.13%	+33.51%	+4.62	42 / 127
2022	+2.38%	+4.32%	-1.94	69 / 116
2021	+28.33%	+34.43%	-6.10	62 / 104
2020	+22.59%	+21.19%	+1.40	34 / 94
2019	+0.02%	+9.30%	-9.28	77 / 85
2018	-0.25%	-5.36%	+5.11	26 / 77
2017	+74.96%	+35.61%	+39.36	1 / 76
2016	+4.45%	+4.98%	-0.53	35 / 76

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

+19.90%

117 windows

min -16.1% · max 75.7%

85% positive

3-Year rolling

+17.65%

93 windows

min 3.8% · max 25.4%

100% positive

5-Year rolling

+17.99%

68 windows

min 9.5% · max 25.7%

100% positive

7-Year rolling

+17.05%

44 windows

min 14.1% · max 21.4%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

14.94%

3-year · annualised

Sharpe ratio

0.62

vs risk-free 6.5%

Sortino ratio

1.01

Downside-only deviation

Max drawdown

-20.70%

Sep 2024 → Feb 2025

% 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 Banking & Financial Services Fund - Growth Option - Direct Plan	HDFC	₹19.7420	17 Jul 2026
Nippon India Active Momentum Fund-Direct Plan - Growth Option	Nippon India	₹13.0154	17 Jul 2026
ICICI Prudential Active Momentum Fund - Direct Plan - Growth	ICICI Prudential	₹10.8700	17 Jul 2026
Invesco India Business Cycle Fund - Direct Plan - Growth	Invesco	₹14.5000	17 Jul 2026
Bandhan Business Cycle Fund - Direct Plan - Growth	Bandhan	₹10.1960	17 Jul 2026
quant BFSI Fund - Growth Option - Direct Plan	Quant	₹22.0723	17 Jul 2026
QUANTUM ESG BEST IN CLASS STRATEGY FUND - DIRECT PLAN - GROWTH OPTION	Quantum	₹24.7900	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹72.8200	17 Jul 2026
Motilal Oswal Active Momentum Fund- Direct-Growth	Motilal Oswal	₹13.5242	17 Jul 2026
Franklin India Multi-Factor Fund- Direct- Growth	Franklin India	₹9.6426	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹53.8940
16 Jul 2026	₹54.0284
15 Jul 2026	₹54.1566
14 Jul 2026	₹53.8867
13 Jul 2026	₹53.9583
10 Jul 2026	₹54.3050
9 Jul 2026	₹54.1715
8 Jul 2026	₹53.7329
7 Jul 2026	₹54.2322
6 Jul 2026	₹54.4625

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 India Consumer Fund-Direct Plan-Growth is ₹53.8940. It's a Sectoral/Thematic Fund from Tata, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Tata India Consumer Fund-Direct Plan-Growth has NAV history starting from 29 Dec 2015, a track record of about 10 years 6 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Tata India Consumer Fund-Direct Plan-Growth 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 India Consumer Fund-Direct Plan-Growth has delivered a absolute return of 5.43% — -0.03 pp behind the Sectoral/Thematic Fund category average of 5.46%. The fund ranks #107 of 235 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Tata India Consumer Fund-Direct Plan-Growth has delivered a CAGR of 15.70% — -0.23 pp behind the Sectoral/Thematic Fund category average of 15.93%. The fund ranks #79 of 148 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Tata India Consumer Fund-Direct Plan-Growth has delivered a CAGR of 15.67% — +1.94 pp ahead of the Sectoral/Thematic Fund category average of 13.72%. The fund ranks #40 of 110 in its category — the second (Q2) quartile.

₹1 lakh invested in Tata India Consumer Fund-Direct Plan-Growth exactly 10 years ago would be worth approximately ₹501,787 today — a multiplier of 5.02×, based on the 10-year CAGR of 17.50%. The category average over the same window would have grown ₹1 lakh to ₹400,745.

A ₹10,000 monthly SIP in Tata India Consumer Fund-Direct Plan-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹861,772 today. That's an XIRR (money-weighted annualised return) of 14.46%.

A ₹10,000 monthly SIP for 10 years in Tata India Consumer Fund-Direct Plan-Growth = ₹1,200,000 invested. It would currently be worth ₹2,799,484 (multiplier 2.33×). XIRR: 16.16%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Tata India Consumer Fund-Direct Plan-Growth ranks #40 out of 110 funds in the Sectoral/Thematic Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 13.72%; this fund delivered 15.67%.

The worst peak-to-trough decline Tata India Consumer Fund-Direct Plan-Growth has experienced over the last 5-year window is 20.70% — its NAV fell from a high on 23 Sep 2024 to a low on 28 Feb 2025. 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 India Consumer Fund-Direct Plan-Growth averaged 17.99% (best 25.73%, worst 9.48%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.57 — reasonable risk-adjusted performance.

In calendar year 2025, Tata India Consumer Fund-Direct Plan-Growth returned -1.30% — lagging the Sectoral/Thematic Fund category average of 4.41% by 5.70 pp. It ranked #153 of 208 in its category that year.

Tata India Consumer Fund-Direct Plan-Growth 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 India Consumer Fund-Direct Plan-Growth 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. Worst 5-year drawdown: 20.7%. 5-year CAGR: 15.67%.

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

Tata India Consumer Fund-Direct Plan-Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Sectoral/Thematic Fund

Recent NAVs

Frequently asked questions

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