Should I invest in Tata Monthly Income Fund - Regular?

We don't give personal investment advice. Tata Monthly Income Fund - Regular 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: 6.7%. 5-year CAGR: 3.89%.

Tata

Tata Monthly Income Fund - Regular

Latest NAV

₹17.5712

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%	0.00%	+0.06	13 / 31	Q2
1W	-0.05%	-0.52%	+0.47	2 / 31	Q1
2W	-0.10%	-0.20%	+0.11	11 / 31	Q2
1M	+0.07%	-0.36%	+0.43	5 / 31	Q1
3M	-1.00%	-0.98%	-0.02	16 / 31	Q3
6M	-0.13%	-2.07%	+1.94	8 / 31	Q2
YTD	-1.16%	-2.02%	+0.86	12 / 31	Q2
1Y	+2.68%	+0.21%	+2.47	7 / 30	Q1
2Y	+3.39%	+1.92%	+1.47	12 / 29	Q2
3Y	+5.53%	+4.84%	+0.69	13 / 28	Q2
4Y	+3.99%	+4.52%	-0.53	11 / 24	Q2
5Y	+3.89%	+3.63%	+0.26	11 / 24	Q2
7Y	+3.92%	+4.64%	-0.73	11 / 24	Q2
10Y	+3.00%	+3.33%	-0.33	4 / 12	Q2
Inception	+2.06%	+4.74%	-2.68	25 / 31	Q4

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	-1.16%	-2.62%	+1.46	10 / 29
2025	+2.36%	+1.74%	+0.62	11 / 27
2024	+6.83%	+7.43%	-0.60	16 / 28
2023	+7.88%	+8.86%	-0.98	13 / 26
2022	-1.04%	-1.13%	+0.10	11 / 24
2021	+6.30%	+8.85%	-2.55	19 / 25
2020	+4.14%	+9.17%	-5.02	24 / 25
2019	+0.45%	+4.21%	-3.75	20 / 23
2018	-5.31%	-2.76%	-2.55	13 / 16
2017	-0.21%	+8.69%	-8.89	14 / 14
2016	+5.95%	+3.35%	+2.59	3 / 8

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

+2.43%

231 windows

min -14.3% · max 18.3%

61% positive

3-Year rolling

+2.17%

206 windows

min -6.7% · max 6.7%

87% positive

5-Year rolling

+1.99%

182 windows

min -3.4% · max 7.1%

95% positive

7-Year rolling

+1.85%

158 windows

min -1.1% · max 4.2%

97% 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

3.29%

3-year · annualised

Sharpe ratio

-0.31

vs risk-free 6.5%

Sortino ratio

-0.73

Downside-only deviation

Max drawdown

-2.90%

Sep 2024 → Feb 2025

% positive months

69.4%

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
SBI Equity Savings Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.5225	3 Jun 2026
Invesco India Equity Savings Fund - Regular Plan - IDCW (Payout / Reinvestment)	Invesco	₹16.2477	3 Jun 2026
BANDHAN Equity Savings Fund - Regular Plan -Annual IDCW	Bandhan	₹12.3290	3 Jun 2026
quant Equity Savings Fund - IDCW Option - Regular Plan	Quant	₹10.3253	3 Jun 2026
Aditya Birla Sun Life Equity Savings Fund - Regular - IDCW	Aditya Birla Sun Life	₹13.0500	3 Jun 2026
Mirae Asset Equity Savings Fund Regular IDCW	Mirae Asset	₹12.2450	3 Jun 2026
Kotak Equity Savings Fund - Regular - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹19.6748	3 Jun 2026
Edelweiss Equity Savings Fund - Regular Plan - IDCW Option	Edelweiss	₹18.1949	3 Jun 2026
DSP Equity Savings Fund - Regular Plan - IDCW	DSP	₹11.9260	3 Jun 2026
HSBC Equity Savings Fund - Regular Monthly IDCW	HSBC	₹15.3237	3 Jun 2026

Recent NAVs

Date	NAV
20 Feb 2026	₹17.5712
19 Feb 2026	₹17.5607
18 Feb 2026	₹17.6226
17 Feb 2026	₹17.6127
16 Feb 2026	₹17.6052
13 Feb 2026	₹17.5805
12 Feb 2026	₹17.6181
11 Feb 2026	₹17.6328
10 Feb 2026	₹17.6196
9 Feb 2026	₹17.6154

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 - Regular is ₹17.5712. It's a Equity Savings Fund from Tata, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Tata Monthly Income Fund - Regular 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 - Regular 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 - Regular has delivered a absolute return of 2.68% — +2.47 pp ahead of the Equity Savings Fund category average of 0.21%. The fund ranks #7 of 30 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Tata Monthly Income Fund - Regular has delivered a CAGR of 5.53% — +0.69 pp ahead of the Equity Savings Fund category average of 4.84%. The fund ranks #13 of 28 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Tata Monthly Income Fund - Regular has delivered a CAGR of 3.89% — +0.26 pp ahead of the Equity Savings Fund category average of 3.63%. The fund ranks #11 of 24 in its category — the second (Q2) quartile.

₹1 lakh invested in Tata Monthly Income Fund - Regular exactly 10 years ago would be worth approximately ₹134,424 today — a multiplier of 1.34×, based on the 10-year CAGR of 3.00%. The category average over the same window would have grown ₹1 lakh to ₹138,814.

A ₹10,000 monthly SIP in Tata Monthly Income Fund - Regular over the last 5 years — total invested ₹600,000 — would be worth ₹664,361 today. That's an XIRR (money-weighted annualised return) of 4.02%.

A ₹10,000 monthly SIP for 10 years in Tata Monthly Income Fund - Regular = ₹1,200,000 invested. It would currently be worth ₹1,426,156 (multiplier 1.19×). XIRR: 3.38%. 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 - Regular ranks #11 out of 24 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 3.63%; this fund delivered 3.89%.

The worst peak-to-trough decline Tata Monthly Income Fund - Regular has experienced over the last 5-year window is 6.73% — its NAV fell from a high on 19 Oct 2021 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 - Regular averaged 1.99% (best 7.14%, worst -3.42%). 95% of rolling windows ended positive. The 5-year Sharpe ratio is -0.69 — negative risk-adjusted performance.

In calendar year 2025, Tata Monthly Income Fund - Regular returned 2.36% — beating the Equity Savings Fund category average of 1.74% by 0.62 pp. It ranked #11 of 27 in its category that year.

Tata Monthly Income Fund - Regular 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 - Regular 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: 6.7%. 5-year CAGR: 3.89%.

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