Should I invest in Tata Ultra Short Term Fund?

We don't give personal investment advice. Tata Ultra Short Term Fund-Regular Plan-Growth 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: 0.2%. 5-year CAGR: 5.78%.

Tata

Tata Ultra Short Term Fund-Regular Plan-Growth

Latest NAV

₹15.0666

As of

17 Jul 2026

1,811 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	+0.05%	+0.04%	+0.01	4 / 13	Q2
1W	+0.09%	+0.08%	+0.01	3 / 13	Q1
2W	+0.09%	+0.10%	-0.02	9 / 13	Q3
1M	+0.60%	+0.56%	+0.04	5 / 13	Q2
3M	+1.47%	+1.42%	+0.05	7 / 13	Q3
6M	+3.23%	+3.08%	+0.15	7 / 13	Q3
YTD	+3.33%	+3.04%	+0.29	7 / 13	Q3
1Y	+5.91%	+5.69%	+0.22	7 / 13	Q3
2Y	+6.54%	+6.39%	+0.15	7 / 13	Q3
3Y	+6.59%	+6.70%	-0.11	8 / 13	Q3
4Y	+6.43%	+6.56%	-0.13	8 / 13	Q3
5Y	+5.78%	+5.91%	-0.13	8 / 13	Q3
7Y	+5.48%	+5.51%	-0.03	5 / 7	Q3
10Y	—	—	—	—	—
Inception	+5.62%	+5.80%	-0.17	9 / 13	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
2026 YTD	+3.33%	+3.28%	+0.05	7 / 12
2025	+6.52%	+6.58%	-0.06	8 / 12
2024	+6.95%	+7.04%	-0.09	8 / 12
2023	+6.47%	+6.60%	-0.13	8 / 12
2022	+4.11%	+3.92%	+0.19	8 / 13
2021	+3.08%	+3.28%	-0.20	10 / 12
2020	+4.90%	+4.97%	-0.07	7 / 10
2019	—	—	—	—

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

+5.46%

80 windows

min 3.0% · max 7.2%

100% positive

3-Year rolling

+5.25%

55 windows

min 4.0% · max 6.7%

100% positive

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

5-Year rolling

+5.28%

31 windows

min 5.0% · max 5.8%

100% positive

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

7-Year rolling

+5.51%

7 windows

min 5.5% · max 5.5%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

0.42%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.09%

Jul 2026 → Jul 2026

% positive months

100.0%

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 Ultra Short Duration Fund

Scheme	Fund house	NAV	As of
Invesco India Ultra Short Duration Fund - Regular Plan - Growth	Invesco	₹2,870.0321	17 Jul 2026
BANDHAN ULTRA SHORT DURATION FUND - REGULAR PLAN GROWTH	Bandhan	₹16.2217	17 Jul 2026
Motilal Oswal Ultra Short Term Fund (MOFUSTF)-Regular Plan- Growth	Motilal Oswal	₹17.3775	17 Jul 2026
Mirae Asset Ultra Short Duration Fund Regular Growth	Mirae Asset	₹1,396.7268	17 Jul 2026
HSBC Ultra Short Duration Fund - Regular Growth	HSBC	₹1,443.8999	17 Jul 2026
Baroda BNP Paribas Ultra Short Duration Fund - Regular Plan - Growth	Baroda BNP Paribas	₹1,645.2193	17 Jul 2026
Axis Ultra Short Duration Fund - Regular Plan Growth	Axis	₹15.6356	17 Jul 2026
ITI Ultra Short Duration Fund - Regular Plan - Growth Option	ITI	₹1,309.5181	17 Jul 2026
LIC MF Ultra Short Duration Fund-Regular Plan-Growth	LIC	₹1,401.3639	17 Jul 2026
Mahindra Manulife Ultra Short Duration Fund - Regular Plan - Growth	Mahindra Manulife	₹1,464.8969	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹15.0666
16 Jul 2026	₹15.0595
15 Jul 2026	₹15.0546
14 Jul 2026	₹15.0514
13 Jul 2026	₹15.0586
10 Jul 2026	₹15.0528
9 Jul 2026	₹15.0488
8 Jul 2026	₹15.0430
7 Jul 2026	₹15.0496
6 Jul 2026	₹15.0571

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 17 Jul 2026, the NAV of Tata Ultra Short Term Fund-Regular Plan-Growth is ₹15.0666. It's a Ultra Short Duration Fund from Tata, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

Tata Ultra Short Term Fund-Regular Plan-Growth has NAV history starting from 23 Jan 2019, a track record of about 7 years 5 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

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

Over the trailing 1-year window, Tata Ultra Short Term Fund-Regular Plan-Growth has delivered a absolute return of 5.91% — +0.22 pp ahead of the Ultra Short Duration Fund category average of 5.69%. The fund ranks #7 of 13 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Tata Ultra Short Term Fund-Regular Plan-Growth has delivered a CAGR of 6.59% — -0.11 pp behind the Ultra Short Duration Fund category average of 6.70%. The fund ranks #8 of 13 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Tata Ultra Short Term Fund-Regular Plan-Growth has delivered a CAGR of 5.78% — -0.13 pp behind the Ultra Short Duration Fund category average of 5.91%. The fund ranks #8 of 13 in its category — the third (Q3) quartile.

₹1 lakh invested in Tata Ultra Short Term Fund-Regular Plan-Growth exactly 5 years ago would be worth approximately ₹132,437 today — a multiplier of 1.32×, based on the 5-year CAGR of 5.78%. The category average over the same window would have grown ₹1 lakh to ₹133,249.

A ₹10,000 monthly SIP in Tata Ultra Short Term Fund-Regular Plan-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹704,341 today. That's an XIRR (money-weighted annualised return) of 6.35%.

Tata Ultra Short Term Fund-Regular Plan-Growth doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,035,604 — XIRR 5.89%.

On a 5-year basis, Tata Ultra Short Term Fund-Regular Plan-Growth ranks #8 out of 13 funds in the Ultra Short Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 5.91%; this fund delivered 5.78%.

The worst peak-to-trough decline Tata Ultra Short Term Fund-Regular Plan-Growth has experienced over the last 5-year window is 0.21% — its NAV fell from a high on 02 May 2022 to a low on 06 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 Ultra Short Term Fund-Regular Plan-Growth averaged 5.28% (best 5.78%, worst 5.03%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.61 — negative risk-adjusted performance.

In calendar year 2025, Tata Ultra Short Term Fund-Regular Plan-Growth returned 6.52% — lagging the Ultra Short Duration Fund category average of 6.58% by 0.06 pp. It ranked #8 of 12 in its category that year.

Tata Ultra Short Term Fund-Regular Plan-Growth 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 Ultra Short Term Fund-Regular Plan-Growth 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: 0.2%. 5-year CAGR: 5.78%.

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

Tata Ultra Short Term Fund-Regular Plan-Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Ultra Short Duration Fund

Recent NAVs

Frequently asked questions

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