Should I invest in Tata Monthly Income Fund - Qrtly Option?

We don't give personal investment advice. Tata Monthly Income Fund - Qrtly 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: 4.8%. 5-year CAGR: 8.14%.

Tata

Tata Monthly Income Fund - Qrtly Option

Latest NAV

₹26.9991

As of

20 Feb 2026

4,849 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	+0.06%	+0.12%	-0.06	14 / 18	Q4
1W	-0.05%	+0.15%	-0.20	14 / 18	Q4
2W	-0.10%	+0.21%	-0.31	15 / 18	Q4
1M	+0.40%	+0.45%	-0.05	9 / 18	Q2
3M	0.00%	+0.51%	-0.51	12 / 18	Q3
6M	+1.90%	-0.11%	+2.00	3 / 18	Q1
YTD	-0.50%	-0.92%	+0.42	10 / 18	Q3
1Y	+6.88%	+0.74%	+6.15	2 / 18	Q1
2Y	+7.59%	+2.46%	+5.13	1 / 18	Q1
3Y	+9.83%	+4.11%	+5.73	1 / 18	Q1
4Y	+8.24%	+4.19%	+4.05	3 / 17	Q1
5Y	+8.14%	+3.59%	+4.55	2 / 16	Q1
7Y	+8.60%	+4.23%	+4.37	3 / 15	Q1
10Y	+7.50%	+3.69%	+3.81	3 / 10	Q2
Inception	+4.22%	+3.18%	+1.04	5 / 18	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	-0.50%	-1.66%	+1.16	6 / 14
2025	+6.53%	+2.55%	+3.98	2 / 15
2024	+11.15%	+6.43%	+4.73	1 / 15
2023	+12.29%	+7.60%	+4.69	3 / 15
2022	+3.02%	+0.34%	+2.68	6 / 17
2021	+10.71%	+8.25%	+2.46	6 / 16
2020	+9.07%	+2.97%	+6.10	1 / 16
2019	+7.41%	+1.76%	+5.65	2 / 16
2018	+1.68%	-4.15%	+5.83	2 / 13
2017	+3.45%	+8.10%	-4.65	12 / 13
2016	+5.94%	+5.63%	+0.32	6 / 10

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

+4.57%

231 windows

min -8.6% · max 23.2%

77% positive

3-Year rolling

+4.34%

206 windows

min -1.1% · max 11.2%

94% positive

5-Year rolling

+4.19%

182 windows

min 0.3% · max 11.5%

100% positive

7-Year rolling

+4.05%

158 windows

min 0.8% · max 9.0%

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

3.30%

3-year · annualised

Sharpe ratio

0.91

vs risk-free 6.5%

Sortino ratio

3.35

Downside-only deviation

Max drawdown

-2.51%

Jun 2024 → Jun 2024

% positive months

77.8%

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 Equity Savings Fund

Scheme	Fund house	NAV	As of
HDFC MULTIPLE YIELD-HDFC MULTIPLE YIELD - DIVIDEND	HDFC	₹12.3890	17 Jul 2026
NIPPON INDIA EQUITY SAVINGS FUND - SEGREGATED PORTFOLIO 2 - IDCW Option	Nippon India	₹0.0000	17 Jul 2026
ICICI Prudential Equity Savings Fund - Quarterly IDCW	ICICI Prudential	₹13.1700	17 Jul 2026
Franklin India Equity Savings Fund - IDCW	Franklin India	₹13.9104	17 Jul 2026
PGIM India Equity Savings Fund - Annual Dividend option	PGIM India	₹14.7084	17 Jul 2026
Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)- Income Distribution CUM Capital Withdrawal (IDCW)	Sundaram	₹14.2563	17 Jul 2026

Recent NAVs

Date	NAV
20 Feb 2026	₹26.9991
19 Feb 2026	₹26.9829
18 Feb 2026	₹27.0781
17 Feb 2026	₹27.0629
16 Feb 2026	₹27.0514
13 Feb 2026	₹27.0134
12 Feb 2026	₹27.0711
11 Feb 2026	₹27.0937
10 Feb 2026	₹27.0734
9 Feb 2026	₹27.0669

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 20 Feb 2026, the NAV of Tata Monthly Income Fund - Qrtly Option is ₹26.9991. It's a Equity Savings Fund from Tata, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Tata Monthly Income Fund - Qrtly 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 Monthly Income Fund - Qrtly Option is managed by Tata. It's classified by AMFI under the 'Equity Savings Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Tata Monthly Income Fund - Qrtly Option has delivered a absolute return of 6.88% — +6.15 pp ahead of the Equity Savings Fund category average of 0.74%. The fund ranks #2 of 18 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Tata Monthly Income Fund - Qrtly Option has delivered a CAGR of 9.83% — +5.73 pp ahead of the Equity Savings Fund category average of 4.11%. The fund ranks #1 of 18 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Tata Monthly Income Fund - Qrtly Option has delivered a CAGR of 8.14% — +4.55 pp ahead of the Equity Savings Fund category average of 3.59%. The fund ranks #2 of 16 in its category — the top (Q1) quartile.

₹1 lakh invested in Tata Monthly Income Fund - Qrtly Option exactly 10 years ago would be worth approximately ₹206,140 today — a multiplier of 2.06×, based on the 10-year CAGR of 7.50%. The category average over the same window would have grown ₹1 lakh to ₹143,672.

A ₹10,000 monthly SIP in Tata Monthly Income Fund - Qrtly Option over the last 5 years — total invested ₹600,000 — would be worth ₹739,462 today. That's an XIRR (money-weighted annualised return) of 8.27%.

A ₹10,000 monthly SIP for 10 years in Tata Monthly Income Fund - Qrtly Option = ₹1,200,000 invested. It would currently be worth ₹1,807,200 (multiplier 1.51×). XIRR: 7.93%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Tata Monthly Income Fund - Qrtly Option ranks #2 out of 16 funds in the Equity Savings Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 3.59%; this fund delivered 8.14%.

The worst peak-to-trough decline Tata Monthly Income Fund - Qrtly Option has experienced over the last 5-year window is 4.80% — its NAV fell from a high on 17 Jan 2022 to a low on 17 Jun 2022. 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 Monthly Income Fund - Qrtly Option averaged 4.19% (best 11.52%, worst 0.32%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.33 — weak risk-adjusted performance.

In calendar year 2025, Tata Monthly Income Fund - Qrtly Option returned 6.53% — beating the Equity Savings Fund category average of 2.55% by 3.98 pp. It ranked #2 of 15 in its category that year.

Tata Monthly Income Fund - Qrtly 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 Monthly Income Fund - Qrtly 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: 4.8%. 5-year CAGR: 8.14%.

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