Should I invest in Tata Short Term Bond Fund - App Option?

We don't give personal investment advice. Tata Short Term Bond Fund - App 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: 0.9%. 5-year CAGR: 5.30%.

Tata

Tata Short Term Bond Fund - App Option

Latest NAV

₹49.5757

As of

3 Jun 2026

4,869 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	+0.07%	+0.01%	+0.05	9 / 39	Q1
1W	+0.23%	+15.04%	-14.80	19 / 40	Q2
2W	+0.26%	+15.09%	-14.83	26 / 40	Q3
1M	+0.10%	+16.91%	-16.81	30 / 40	Q3
3M	+0.40%	+17.18%	-16.78	21 / 40	Q3
6M	+1.23%	+18.01%	-16.78	22 / 40	Q3
YTD	+1.10%	+17.67%	-16.57	17 / 40	Q2
1Y	+3.29%	+19.37%	-16.09	24 / 40	Q3
2Y	+6.03%	+8.20%	-2.17	22 / 40	Q3
3Y	+6.09%	+5.69%	+0.40	21 / 40	Q3
4Y	+6.18%	+4.90%	+1.28	19 / 39	Q2
5Y	+5.30%	+4.10%	+1.20	20 / 38	Q3
7Y	+5.99%	+2.87%	+3.12	17 / 37	Q2
10Y	+5.68%	+4.95%	+0.73	14 / 27	Q3
Inception	+7.11%	+1.92%	+5.19	11 / 40	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	+1.10%	+0.39%	+0.72	8 / 21
2025	+6.72%	+34.44%	-27.72	15 / 25
2024	+7.34%	+3.79%	+3.56	12 / 25
2023	+6.76%	+4.24%	+2.52	9 / 25
2022	+2.91%	+2.62%	+0.28	13 / 26
2021	+2.49%	+3.74%	-1.25	14 / 26
2020	+9.66%	+3.74%	+5.92	7 / 30
2019	+9.07%	+2.23%	+6.84	9 / 30
2018	-0.29%	+2.73%	-3.01	26 / 30
2017	+5.42%	+2.37%	+3.05	11 / 37
2016	+9.10%	+5.27%	+3.83	14 / 37

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

+7.26%

234 windows

min -1.7% · max 17.1%

99% positive

3-Year rolling

+7.12%

210 windows

min 3.9% · max 10.0%

100% positive

5-Year rolling

+7.08%

184 windows

min 4.5% · max 9.5%

100% positive

7-Year rolling

+7.18%

161 windows

min 5.1% · max 8.8%

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

1.26%

3-year · annualised

Sharpe ratio

-0.45

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.63%

Mar 2026 → Apr 2026

% positive months

91.7%

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 Short Duration Fund

Scheme	Fund house	NAV	As of
HDFC Short Term Debt Fund - Fortnightly IDCW Option	HDFC	₹10.1985	3 Jun 2026
NIPPON INDIA SHORT DURATION FUND - IDCW Option	Nippon India	₹22.3820	3 Jun 2026
SBI SHORT HORIZON DEBT FUND-SHORT TERM FUND INSTTUTIONAL GROWTH	SBI	₹33.4345	3 Jun 2026
ICICI Prudential Short Term Plan - Div. Option	ICICI Prudential	₹12.0670	3 Jun 2026
Kotak Bond Short Term Plan-(Growth)	Kotak Mahindra	₹54.0814	3 Jun 2026
DSP BlackRock Short Term Fund-Dividend	DSP BlackRock	₹12.0819	3 Jun 2026
HSBC Short Duration Fund - Bonus	HSBC	₹27.5331	3 Jun 2026
UTI - Short Term Income Fund - Dividend Option	UTI	₹24.5675	3 Jun 2026
IDFC - SSIF - Short Term - Plan A - Fortnightly Dividend	IDFC	₹10.4111	3 Jun 2026
Reliance Short Term Fund-Dividend Re-investment Plan	Reliance	₹11.5088	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹49.5757
2 Jun 2026	₹49.5860
1 Jun 2026	₹49.5535
29 May 2026	₹49.5375
27 May 2026	₹49.5029
26 May 2026	₹49.4706
25 May 2026	₹49.4661
22 May 2026	₹49.3955
21 May 2026	₹49.3614
20 May 2026	₹49.4349

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 03 Jun 2026, the NAV of Tata Short Term Bond Fund - App Option is ₹49.5757. It's a Short Duration Fund from Tata, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Tata Short Term Bond Fund - App 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 Short Term Bond Fund - App Option is managed by Tata. It's classified by AMFI under the 'Short Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Tata Short Term Bond Fund - App Option has delivered a absolute return of 3.29% — -16.09 pp behind the Short Duration Fund category average of 19.37%. The fund ranks #24 of 40 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Tata Short Term Bond Fund - App Option has delivered a CAGR of 6.09% — +0.4 pp ahead of the Short Duration Fund category average of 5.69%. The fund ranks #21 of 40 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Tata Short Term Bond Fund - App Option has delivered a CAGR of 5.30% — +1.2 pp ahead of the Short Duration Fund category average of 4.10%. The fund ranks #20 of 38 in its category — the third (Q3) quartile.

₹1 lakh invested in Tata Short Term Bond Fund - App Option exactly 10 years ago would be worth approximately ₹173,687 today — a multiplier of 1.74×, based on the 10-year CAGR of 5.68%. The category average over the same window would have grown ₹1 lakh to ₹162,129.

A ₹10,000 monthly SIP in Tata Short Term Bond Fund - App Option over the last 5 years — total invested ₹600,000 — would be worth ₹694,737 today. That's an XIRR (money-weighted annualised return) of 5.80%.

A ₹10,000 monthly SIP for 10 years in Tata Short Term Bond Fund - App Option = ₹1,200,000 invested. It would currently be worth ₹1,599,573 (multiplier 1.33×). XIRR: 5.60%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Tata Short Term Bond Fund - App Option ranks #20 out of 38 funds in the Short Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 4.10%; this fund delivered 5.30%.

The worst peak-to-trough decline Tata Short Term Bond Fund - App Option has experienced over the last 5-year window is 0.88% — its NAV fell from a high on 07 Apr 2022 to a low on 09 May 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 Short Term Bond Fund - App Option averaged 7.08% (best 9.53%, worst 4.48%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.01 — negative risk-adjusted performance.

In calendar year 2025, Tata Short Term Bond Fund - App Option returned 6.72% — lagging the Short Duration Fund category average of 34.44% by 27.72 pp. It ranked #15 of 25 in its category that year.

Tata Short Term Bond Fund - App 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 Short Term Bond Fund - App 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: 0.9%. 5-year CAGR: 5.30%.

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

Tata Short Term Bond Fund - App Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Short Duration Fund

Recent NAVs

Frequently asked questions

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