Should I invest in Tata Service Industries Fund - Appreciation?

We don't give personal investment advice. Tata Service Industries Fund - Appreciation is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 69.5%. 5-year CAGR: -0.58%.

Tata

Tata Service Industries Fund - Appreciation

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	+0.61%	+0.06%	+0.54	60 / 299	Q1
1W	+1.94%	-3.61%	+5.55	48 / 303	Q1
2W	+3.21%	-4.52%	+7.73	35 / 303	Q1
1M	+1.99%	-5.64%	+7.63	92 / 302	Q2
3M	+4.69%	-4.27%	+8.96	91 / 302	Q2
6M	-2.00%	+1.48%	-3.48	189 / 307	Q3
YTD	+15.63%	-0.18%	+15.81	73 / 309	Q1
1Y	+0.79%	+7.10%	-6.31	184 / 307	Q3
2Y	-9.91%	+2.20%	-12.12	240 / 303	Q4
3Y	-0.24%	+0.76%	-1.00	178 / 264	Q3
4Y	+6.00%	+0.58%	+5.41	107 / 235	Q2
5Y	-0.58%	+0.02%	-0.60	163 / 208	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+3.13%	+0.51%	+2.61	192 / 310	Q3

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
2012 YTD	+15.63%	+23.57%	-7.94	158 / 190
2011	-28.51%	-23.68%	-4.83	191 / 241
2010	+8.17%	+11.69%	-3.52	163 / 256
2009	+100.34%	+65.86%	+34.48	18 / 238
2008	-60.75%	-52.86%	-7.89	148 / 198
2007	+47.72%	+42.91%	+4.81	58 / 137
2006	—	—	—	—

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

+12.30%

67 windows

min -60.1% · max 129.8%

54% positive

3-Year rolling

+7.42%

43 windows

min -13.6% · max 31.6%

88% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+2.98%

18 windows

min -1.8% · max 12.8%

67% positive

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

7-Year rolling

—

Insufficient history

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

18.01%

3-year · annualised

Sharpe ratio

-0.25

vs risk-free 6.5%

Sortino ratio

-0.36

Downside-only deviation

Max drawdown

-35.45%

Nov 2010 → Dec 2011

% positive months

52.8%

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.

Recent NAVs

Date	NAV
14 Sep 2012	₹21.2940
13 Sep 2012	₹21.1656
12 Sep 2012	₹21.1456
11 Sep 2012	₹21.1015
10 Sep 2012	₹20.9852
7 Sep 2012	₹20.8892
6 Sep 2012	₹20.6577
5 Sep 2012	₹20.5563
4 Sep 2012	₹20.6391
3 Sep 2012	₹20.5573

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.

Tata Service Industries Fund - Appreciation is a Growth from Tata (Unknown plan, Growth option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

Tata Service Industries Fund - Appreciation 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 Service Industries Fund - Appreciation is managed by Tata. It's classified by AMFI under the 'Growth' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Tata Service Industries Fund - Appreciation has delivered a absolute return of 0.79% — -6.31 pp behind the Growth category average of 7.10%. The fund ranks #184 of 307 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Tata Service Industries Fund - Appreciation has delivered a CAGR of -0.24% — -1 pp behind the Growth category average of 0.76%. The fund ranks #178 of 264 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Tata Service Industries Fund - Appreciation has delivered a CAGR of -0.58% — -0.6 pp behind the Growth category average of 0.02%. The fund ranks #163 of 208 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Tata Service Industries Fund - Appreciation exactly 5 years ago would be worth approximately ₹97,146 today — a multiplier of 0.97×, based on the 5-year CAGR of -0.58%. The category average over the same window would have grown ₹1 lakh to ₹100,100.

A ₹10,000 monthly SIP in Tata Service Industries Fund - Appreciation over the last 5 years — total invested ₹600,000 — would be worth ₹653,679 today. That's an XIRR (money-weighted annualised return) of 3.38%.

Tata Service Industries Fund - Appreciation doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹653,679 — XIRR 3.38%.

On a 5-year basis, Tata Service Industries Fund - Appreciation ranks #163 out of 208 funds in the Growth category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 0.02%; this fund delivered -0.58%.

The worst peak-to-trough decline Tata Service Industries Fund - Appreciation has experienced over the last 5-year window is 69.52% — its NAV fell from a high on 04 Jan 2008 to a low on 09 Mar 2009. 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 Service Industries Fund - Appreciation averaged 2.98% (best 12.76%, worst -1.81%). 67% of rolling windows ended positive. The 5-year Sharpe ratio is -0.06 — negative risk-adjusted performance.

In calendar year 2011, Tata Service Industries Fund - Appreciation returned -28.51% — lagging the Growth category average of -23.68% by 4.83 pp. It ranked #191 of 241 in its category that year.

Tata Service Industries Fund - Appreciation doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. Tata Service Industries Fund - Appreciation is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 69.5%. 5-year CAGR: -0.58%.

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