Should I invest in Tata Medium Term Fund?

We don't give personal investment advice. Tata Medium Term Fund- Direct Plan- Growth 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: 15.0%. 5-year CAGR: 3.28%.

Tata

Tata Medium Term Fund- Direct Plan- Growth Option

Latest NAV

₹32.7645

As of

23 Sep 2022

2,310 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%	+34.65%	-34.79	17 / 17	Q4
1W	-0.30%	+14.63%	-14.93	17 / 20	Q4
2W	-0.50%	+27.62%	-28.11	17 / 18	Q4
1M	-0.07%	+27.72%	-27.79	17 / 18	Q4
3M	+1.89%	+28.88%	-26.99	4 / 18	Q1
6M	+0.77%	+31.16%	-30.39	17 / 18	Q4
YTD	+1.59%	+29.50%	-27.91	11 / 18	Q3
1Y	+2.59%	+36.64%	-34.05	17 / 18	Q4
2Y	+5.25%	+16.81%	-11.56	16 / 17	Q4
3Y	+7.46%	+7.37%	+0.09	8 / 15	Q3
4Y	+3.42%	+7.49%	-4.07	14 / 14	Q4
5Y	+3.28%	+6.85%	-3.57	14 / 14	Q4
7Y	+5.12%	+6.81%	-1.69	12 / 13	Q4
10Y	—	—	—	—	—
Inception	—	—	—	—	—

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	+1.59%	+43.86%	-42.28	15 / 15
2021	+5.98%	+3.88%	+2.10	6 / 15
2020	+12.25%	+6.04%	+6.21	2 / 13
2019	-8.61%	+5.23%	-13.83	13 / 13
2018	+6.07%	+6.32%	-0.26	8 / 13
2017	+4.82%	+6.95%	-2.13	13 / 13
2016	+12.49%	+11.98%	+0.52	3 / 13
2015	+7.68%	+9.00%	-1.32	2 / 2
2014	+13.50%	+13.05%	+0.45	1 / 2
2013	—	—	—	—

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

+6.67%

105 windows

min -8.7% · max 15.1%

89% positive

3-Year rolling

+5.95%

81 windows

min 0.4% · max 12.2%

100% positive

5-Year rolling

+5.69%

56 windows

min 3.2% · max 9.5%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+6.07%

32 windows

min 5.1% · max 6.9%

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

3.30%

3-year · annualised

Sharpe ratio

0.23

vs risk-free 6.5%

Sortino ratio

0.50

Downside-only deviation

Max drawdown

-2.97%

Mar 2020 → Mar 2020

% positive months

83.3%

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 Medium Duration Fund

Scheme	Fund house	NAV	As of
HDFC Medium Term Debt Fund - Growth Option - Direct Plan	HDFC	₹64.2390	3 Jun 2026
Nippon India Medium Duration Fund - Direct Plan - Growth Option	Nippon India	₹17.9334	3 Jun 2026
SBI MEDIUM DURATION FUND - DIRECT PLAN - GROWTH	SBI	₹57.9957	3 Jun 2026
ICICI Prudential Medium Term Bond Fund - Direct Plan - Growth	ICICI Prudential	₹52.2680	3 Jun 2026
Invesco India Medium Duration Fund - Direct Plan - Growth	Invesco	₹1,326.1840	3 Jun 2026
Bandhan Medium Duration Fund - Direct Plan - Growth	Bandhan	₹51.8959	3 Jun 2026
Aditya Birla Sun Life Medium Term Plan - Growth - Direct Plan	Aditya Birla Sun Life	₹46.7093	3 Jun 2026
Kotak Medium Term Fund - Direct Growth	Kotak	₹26.7884	3 Jun 2026
DSP Bond Fund - Direct Plan - Growth	DSP	₹90.1440	3 Jun 2026
HSBC Medium Duration Fund - Direct Growth	HSBC	₹23.3626	3 Jun 2026

Recent NAVs

Date	NAV
23 Sep 2022	₹32.7645
22 Sep 2022	₹32.8091
21 Sep 2022	₹32.8667
20 Sep 2022	₹32.8553
19 Sep 2022	₹32.8746
16 Sep 2022	₹32.8629
15 Sep 2022	₹32.8923
14 Sep 2022	₹32.9324
13 Sep 2022	₹32.9515
12 Sep 2022	₹32.9279

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 Medium Term Fund- Direct Plan- Growth Option is ₹32.7645. It's a Medium Duration Fund from Tata, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Tata Medium Term Fund- Direct Plan- Growth Option has NAV history starting from 14 Jan 2013, a track record of about 13 years 4 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 Medium Term Fund- Direct Plan- Growth 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 Medium Term Fund- Direct Plan- Growth Option has delivered a absolute return of 2.59% — -34.05 pp behind the Medium Duration Fund category average of 36.64%. The fund ranks #17 of 18 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Tata Medium Term Fund- Direct Plan- Growth Option has delivered a CAGR of 7.46% — +0.09 pp ahead of the Medium Duration Fund category average of 7.37%. The fund ranks #8 of 15 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Tata Medium Term Fund- Direct Plan- Growth Option has delivered a CAGR of 3.28% — -3.57 pp behind the Medium Duration Fund category average of 6.85%. The fund ranks #14 of 14 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Tata Medium Term Fund- Direct Plan- Growth Option exactly 5 years ago would be worth approximately ₹117,514 today — a multiplier of 1.18×, based on the 5-year CAGR of 3.28%. The category average over the same window would have grown ₹1 lakh to ₹139,270.

A ₹10,000 monthly SIP in Tata Medium Term Fund- Direct Plan- Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹668,858 today. That's an XIRR (money-weighted annualised return) of 4.29%.

Tata Medium Term Fund- Direct Plan- Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹979,606 — XIRR 4.32%.

On a 5-year basis, Tata Medium Term Fund- Direct Plan- Growth Option ranks #14 out of 14 funds in the Medium Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 6.85%; this fund delivered 3.28%.

The worst peak-to-trough decline Tata Medium Term Fund- Direct Plan- Growth Option has experienced over the last 5-year window is 14.97% — its NAV fell from a high on 03 Jun 2019 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 Medium Term Fund- Direct Plan- Growth Option averaged 5.69% (best 9.54%, worst 3.17%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.42 — negative risk-adjusted performance.

In calendar year 2021, Tata Medium Term Fund- Direct Plan- Growth Option returned 5.98% — beating the Medium Duration Fund category average of 3.88% by 2.10 pp. It ranked #6 of 15 in its category that year.

Tata Medium Term Fund- Direct Plan- Growth 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 Medium Term Fund- Direct Plan- Growth 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: 15.0%. 5-year CAGR: 3.28%.

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

Tata Medium Term Fund- Direct Plan- Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Medium Duration Fund

Recent NAVs

Frequently asked questions

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