Should I invest in Tata Medium Term Fund?

We don't give personal investment advice. Tata Medium Term Fund- Direct Plan - Payout of IDCW 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: 16.3%. 5-year CAGR: 1.96%.

Tata

Tata Medium Term Fund- Direct Plan - Payout of IDCW Option

Latest NAV

₹15.2302

As of

23 Sep 2022

2,281 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	-0.14%	+52.33%	-52.47	43 / 45	Q4
1W	-0.30%	+32.00%	-32.30	43 / 52	Q4
2W	-0.50%	+49.51%	-50.01	45 / 46	Q4
1M	-0.07%	+49.76%	-49.83	41 / 46	Q4
3M	+1.89%	+50.68%	-48.79	13 / 46	Q2
6M	+0.78%	+52.99%	-52.21	27 / 46	Q3
YTD	+1.58%	+49.92%	-48.34	19 / 46	Q2
1Y	+2.58%	+58.11%	-55.53	23 / 46	Q2
2Y	+5.23%	+18.22%	-12.99	22 / 45	Q2
3Y	+8.03%	+3.00%	+5.02	2 / 37	Q1
4Y	+2.87%	+3.75%	-0.88	20 / 35	Q3
5Y	+1.96%	+3.25%	-1.29	20 / 35	Q3
7Y	+2.63%	+2.19%	+0.44	15 / 31	Q2
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	+1.58%	+59.88%	-58.30	22 / 41
2021	+5.94%	-0.67%	+6.61	5 / 40
2020	+13.99%	-0.27%	+14.26	1 / 33
2019	-10.78%	+0.77%	-11.55	30 / 32
2018	+1.83%	+1.73%	+0.10	15 / 32
2017	+0.39%	+1.25%	-0.87	18 / 32
2016	+5.71%	+4.35%	+1.36	11 / 31
2015	+1.40%	+2.65%	-1.25	4 / 6
2014	+6.30%	+4.19%	+2.11	1 / 3
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

+2.93%

104 windows

min -12.9% · max 14.2%

79% positive

3-Year rolling

+2.00%

79 windows

min -3.7% · max 8.2%

78% positive

5-Year rolling

+1.66%

55 windows

min -0.7% · max 3.6%

82% positive

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

7-Year rolling

+2.25%

31 windows

min 0.7% · max 2.9%

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

3.33%

3-year · annualised

Sharpe ratio

0.39

vs risk-free 6.5%

Sortino ratio

0.86

Downside-only deviation

Max drawdown

-2.97%

Mar 2020 → Mar 2020

% positive months

86.1%

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 - Fortnightly IDCW Opt - Direct Plan	HDFC	₹10.1151	3 Jun 2026
NIPPON INDIA MEDIUM DURATION FUND - SEGREGATED PORTFOLIO 2 - DIRECT Plan - IDCW Option	Nippon India	₹0.0000	3 Jun 2026
SBI Medium Duration Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.5440	3 Jun 2026
ICICI Prudential Medium Term Bond Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹11.4292	3 Jun 2026
Invesco India Medium Duration Fund - Direct Plan - Discretionary IDCW (Payout/Reinvestment)	Invesco	₹1,326.0991	3 Jun 2026
Bandhan Medium Duration Fund - Direct Plan - Bi Monthly IDCW	Bandhan	₹10.5750	3 Jun 2026
Aditya Birla Sun Life Medium Term Plan - DIRECT - HALF YEARLY IDCW	Aditya Birla Sun Life	₹14.7184	3 Jun 2026
Kotak Medium Term Fund - Direct - Standard Income Distribution cum capital withdrawal option	Kotak	₹26.7908	3 Jun 2026
DSP Bond Fund - Direct Plan - IDCW	DSP	₹11.5232	3 Jun 2026
HSBC Medium Duration Fund - Direct Annual IDCW	HSBC	₹11.4485	3 Jun 2026

Recent NAVs

Date	NAV
23 Sep 2022	₹15.2302
22 Sep 2022	₹15.2509
21 Sep 2022	₹15.2777
20 Sep 2022	₹15.2724
19 Sep 2022	₹15.2814
16 Sep 2022	₹15.2760
15 Sep 2022	₹15.2896
14 Sep 2022	₹15.3083
13 Sep 2022	₹15.3171
12 Sep 2022	₹15.3062

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 - Payout of IDCW Option is ₹15.2302. It's a Medium Duration Fund from Tata, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Tata Medium Term Fund- Direct Plan - Payout of IDCW 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 - Payout of IDCW 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 - Payout of IDCW Option has delivered a absolute return of 2.58% — -55.53 pp behind the Medium Duration Fund category average of 58.11%. The fund ranks #23 of 46 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Tata Medium Term Fund- Direct Plan - Payout of IDCW Option has delivered a CAGR of 8.03% — +5.02 pp ahead of the Medium Duration Fund category average of 3.00%. The fund ranks #2 of 37 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Tata Medium Term Fund- Direct Plan - Payout of IDCW Option has delivered a CAGR of 1.96% — -1.29 pp behind the Medium Duration Fund category average of 3.25%. The fund ranks #20 of 35 in its category — the third (Q3) quartile.

₹1 lakh invested in Tata Medium Term Fund- Direct Plan - Payout of IDCW Option exactly 5 years ago would be worth approximately ₹110,181 today — a multiplier of 1.10×, based on the 5-year CAGR of 1.96%. The category average over the same window would have grown ₹1 lakh to ₹117,355.

A ₹10,000 monthly SIP in Tata Medium Term Fund- Direct Plan - Payout of IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹663,590 today. That's an XIRR (money-weighted annualised return) of 3.97%.

Tata Medium Term Fund- Direct Plan - Payout of IDCW Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹938,765 — XIRR 3.13%.

On a 5-year basis, Tata Medium Term Fund- Direct Plan - Payout of IDCW Option ranks #20 out of 35 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 3.25%; this fund delivered 1.96%.

The worst peak-to-trough decline Tata Medium Term Fund- Direct Plan - Payout of IDCW Option has experienced over the last 5-year window is 16.31% — its NAV fell from a high on 13 Mar 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 - Payout of IDCW Option averaged 1.66% (best 3.59%, worst -0.70%). 82% of rolling windows ended positive. The 5-year Sharpe ratio is -0.55 — negative risk-adjusted performance.

In calendar year 2021, Tata Medium Term Fund- Direct Plan - Payout of IDCW Option returned 5.94% — beating the Medium Duration Fund category average of -0.67% by 6.61 pp. It ranked #5 of 40 in its category that year.

Tata Medium Term Fund- Direct Plan - Payout of IDCW 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 - Payout of IDCW 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: 16.3%. 5-year CAGR: 1.96%.

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