Should I invest in Tata Large & Mid Cap Fund Direct Plan?

We don't give personal investment advice. Tata Large & Mid Cap Fund Direct Plan - Payout of IDCW Option 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: 21.7%. 5-year CAGR: 10.61%.

Tata

Tata Large & Mid Cap Fund Direct Plan - Payout of IDCW Option

Latest NAV

₹107.5799

As of

17 Jul 2026

3,331 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	+0.46%	+0.15%	+0.30	3 / 36	Q1
1W	+0.07%	-0.20%	+0.27	9 / 36	Q1
2W	+0.47%	+0.24%	+0.23	12 / 36	Q2
1M	+2.09%	+1.73%	+0.36	18 / 36	Q2
3M	-0.88%	+3.75%	-4.63	35 / 36	Q4
6M	-6.08%	+0.56%	-6.64	31 / 36	Q4
YTD	-8.79%	-1.67%	-7.11	32 / 36	Q4
1Y	-10.63%	-0.06%	-10.57	36 / 36	Q4
2Y	-3.73%	-0.46%	-3.28	26 / 34	Q4
3Y	+7.23%	+11.48%	-4.26	26 / 31	Q4
4Y	+12.03%	+13.30%	-1.27	20 / 31	Q3
5Y	+10.61%	+10.82%	-0.21	19 / 31	Q3
7Y	+14.00%	+13.81%	+0.18	14 / 27	Q3
10Y	+11.87%	+10.52%	+1.35	9 / 22	Q2
Inception	+12.55%	+10.89%	+1.66	15 / 36	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
2026 YTD	-8.79%	-1.67%	-7.11	32 / 36
2025	+2.97%	+1.18%	+1.79	12 / 35
2024	+16.36%	+19.71%	-3.35	22 / 31
2023	+23.86%	+26.16%	-2.30	22 / 31
2022	+12.50%	+0.59%	+11.91	3 / 31
2021	+29.67%	+33.41%	-3.74	20 / 31
2020	+15.44%	+14.39%	+1.05	14 / 30
2019	+14.98%	+6.20%	+8.78	3 / 26
2018	-8.72%	-13.14%	+4.42	6 / 23
2017	+28.12%	+29.57%	-1.45	11 / 23
2016	+2.25%	+3.36%	-1.11	13 / 22

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

+15.50%

153 windows

min -17.9% · max 64.4%

82% positive

3-Year rolling

+14.42%

129 windows

min -3.7% · max 32.6%

97% positive

5-Year rolling

+13.97%

105 windows

min 1.2% · max 27.5%

100% positive

7-Year rolling

+13.56%

80 windows

min 7.3% · max 18.0%

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

13.46%

3-year · annualised

Sharpe ratio

0.10

vs risk-free 6.5%

Sortino ratio

0.15

Downside-only deviation

Max drawdown

-21.72%

Sep 2024 → Mar 2026

% positive months

58.3%

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 Large & Mid Cap Fund

Scheme	Fund house	NAV	As of
HDFC Large and Mid Cap Fund - IDCW Option - Direct Plan	HDFC	₹47.7870	17 Jul 2026
NIPPON INDIA VISION LARGE & MID CAP FUND - DIRECT Plan - IDCW Option	Nippon India	₹70.7641	17 Jul 2026
SBI Large & Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹373.6439	17 Jul 2026
ICICI Prudential Large & Mid Cap Fund - Direct Plan - IDCW	ICICI Prudential	₹54.4600	17 Jul 2026
Invesco India Large & Mid Cap Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹55.8900	17 Jul 2026
Bandhan Large & Mid Cap Fund - Direct Plan - IDCW	Bandhan	₹36.7850	17 Jul 2026
quant Large & Mid Cap Fund - IDCW Option - Direct Plan	Quant	₹64.5206	17 Jul 2026
Aditya Birla Sun Life Large & Mid Cap Fund -Direct - IDCW	Aditya Birla Sun Life	₹210.4900	17 Jul 2026
Motilal Oswal Large and Midcap Fund Direct - IDCW Payout/Reinvestment	Motilal Oswal	₹27.8134	17 Jul 2026
Franklin India Large & Mid cap Fund - Direct - IDCW	Franklin India	₹22.8896	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹107.5799
16 Jul 2026	₹107.0926
15 Jul 2026	₹107.2278
14 Jul 2026	₹106.8195
13 Jul 2026	₹107.4879
10 Jul 2026	₹107.5017
9 Jul 2026	₹105.8411
8 Jul 2026	₹104.8755
7 Jul 2026	₹106.9513
6 Jul 2026	₹107.5915

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 Large & Mid Cap Fund Direct Plan - Payout of IDCW Option is ₹107.5799. It's a Large & Mid Cap Fund from Tata, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Tata Large & Mid Cap Fund Direct Plan - Payout of IDCW Option has NAV history starting from 02 Jan 2013, a track record of about 13 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 Large & Mid Cap Fund Direct Plan - Payout of IDCW Option is managed by Tata. It's classified by AMFI under the 'Large & Mid Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Tata Large & Mid Cap Fund Direct Plan - Payout of IDCW Option has delivered a absolute return of -10.63% — -10.57 pp behind the Large & Mid Cap Fund category average of -0.06%. The fund ranks #36 of 36 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Tata Large & Mid Cap Fund Direct Plan - Payout of IDCW Option has delivered a CAGR of 7.23% — -4.26 pp behind the Large & Mid Cap Fund category average of 11.48%. The fund ranks #26 of 31 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Tata Large & Mid Cap Fund Direct Plan - Payout of IDCW Option has delivered a CAGR of 10.61% — -0.21 pp behind the Large & Mid Cap Fund category average of 10.82%. The fund ranks #19 of 31 in its category — the third (Q3) quartile.

₹1 lakh invested in Tata Large & Mid Cap Fund Direct Plan - Payout of IDCW Option exactly 10 years ago would be worth approximately ₹306,977 today — a multiplier of 3.07×, based on the 10-year CAGR of 11.87%. The category average over the same window would have grown ₹1 lakh to ₹271,998.

A ₹10,000 monthly SIP in Tata Large & Mid Cap Fund Direct Plan - Payout of IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹718,815 today. That's an XIRR (money-weighted annualised return) of 7.16%.

A ₹10,000 monthly SIP for 10 years in Tata Large & Mid Cap Fund Direct Plan - Payout of IDCW Option = ₹1,200,000 invested. It would currently be worth ₹2,247,039 (multiplier 1.87×). XIRR: 12.05%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Tata Large & Mid Cap Fund Direct Plan - Payout of IDCW Option ranks #19 out of 31 funds in the Large & Mid Cap Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 10.82%; this fund delivered 10.61%.

The worst peak-to-trough decline Tata Large & Mid Cap Fund Direct Plan - Payout of IDCW Option has experienced over the last 5-year window is 21.72% — its NAV fell from a high on 23 Sep 2024 to a low on 31 Mar 2026. 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 Large & Mid Cap Fund Direct Plan - Payout of IDCW Option averaged 13.97% (best 27.50%, worst 1.22%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.31 — weak risk-adjusted performance.

In calendar year 2025, Tata Large & Mid Cap Fund Direct Plan - Payout of IDCW Option returned 2.97% — beating the Large & Mid Cap Fund category average of 1.18% by 1.79 pp. It ranked #12 of 35 in its category that year.

Tata Large & Mid Cap Fund Direct Plan - Payout of IDCW Option 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 Large & Mid Cap Fund Direct Plan - Payout of IDCW Option 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: 21.7%. 5-year CAGR: 10.61%.

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