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

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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	+0.06%	+17.98%	-17.92	8 / 21	Q2
1W	-0.05%	+17.74%	-17.79	6 / 21	Q2
2W	-0.10%	+17.85%	-17.95	9 / 21	Q2
1M	+0.40%	+17.61%	-17.21	5 / 21	Q1
3M	0.00%	+16.90%	-16.90	8 / 21	Q2
6M	+1.90%	+16.70%	-14.80	6 / 21	Q2
YTD	-0.50%	+16.28%	-16.79	8 / 21	Q2
1Y	+6.88%	+17.95%	-11.06	5 / 21	Q1
2Y	+7.59%	+9.32%	-1.73	4 / 21	Q1
3Y	+9.83%	+8.04%	+1.79	4 / 21	Q1
4Y	+8.24%	+6.67%	+1.57	6 / 20	Q2
5Y	+8.14%	+5.79%	+2.35	5 / 19	Q2
7Y	+8.60%	+3.85%	+4.74	2 / 15	Q1
10Y	+7.50%	+3.77%	+3.73	3 / 10	Q2
Inception	+4.22%	+4.92%	-0.70	7 / 21	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%	-3.05%	+2.55	1 / 14
2025	+6.53%	+23.13%	-16.60	5 / 18
2024	+11.15%	+5.36%	+5.80	1 / 18
2023	+12.29%	+6.34%	+5.96	3 / 18
2022	+3.02%	+0.29%	+2.73	6 / 20
2021	+10.71%	+6.95%	+3.76	6 / 19
2020	+9.07%	+2.50%	+6.57	1 / 19
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	₹12.2950	3 Jun 2026
NIPPON INDIA EQUITY SAVINGS FUND - SEGREGATED PORTFOLIO 2 - IDCW Option	Nippon India	₹0.0000	3 Jun 2026
ICICI Prudential Equity Savings Fund - Quarterly IDCW	ICICI Prudential	₹13.1000	3 Jun 2026
Franklin India Equity Savings Fund - IDCW	Franklin India	₹13.6543	3 Jun 2026
PGIM India Equity Savings Fund - Annual Dividend option	PGIM India	₹14.3350	3 Jun 2026
Sundaram Equity Savings Fund (Formerly Known as Principal Equity Savings Fund)- Income Distribution CUM Capital Withdrawal (IDCW)	Sundaram	₹13.9429	3 Jun 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 2 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% — -11.06 pp behind the Equity Savings Fund category average of 17.95%. The fund ranks #5 of 21 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% — +1.79 pp ahead of the Equity Savings Fund category average of 8.04%. The fund ranks #4 of 21 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% — +2.35 pp ahead of the Equity Savings Fund category average of 5.79%. The fund ranks #5 of 19 in its category — the second (Q2) 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 ₹144,807.

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 #5 out of 19 funds in the Equity Savings Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 5.79%; 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% — lagging the Equity Savings Fund category average of 23.13% by 16.60 pp. It ranked #5 of 18 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.