Should I invest in Tata Young Citizen Fund [Upto 3 years]?

We don't give personal investment advice. Tata Young Citizen Fund [Upto 3 years] is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 10.1%. 5-year CAGR: 12.24%.

Tata

Tata Young Citizen Fund [Upto 3 years]

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	+0.15%	+0.06%	+0.09	10 / 37	Q2
1W	+0.02%	-7.52%	+7.54	25 / 40	Q3
2W	-0.38%	-7.64%	+7.27	28 / 40	Q3
1M	+0.42%	-7.66%	+8.08	15 / 40	Q2
3M	+1.16%	-9.18%	+10.34	9 / 40	Q1
6M	+1.57%	-5.67%	+7.24	19 / 39	Q2
YTD	-1.18%	-3.70%	+2.52	22 / 40	Q3
1Y	+8.63%	-4.99%	+13.62	17 / 41	Q2
2Y	+13.03%	-11.97%	+25.00	12 / 40	Q2
3Y	+9.08%	-14.60%	+23.68	9 / 38	Q1
4Y	+13.16%	-20.79%	+33.95	3 / 29	Q1
5Y	+12.24%	-6.40%	+18.64	6 / 25	Q1
7Y	+8.42%	-10.74%	+19.16	7 / 19	Q2
10Y	+5.38%	+8.18%	-2.79	10 / 12	Q4
Inception	+2.06%	-12.19%	+14.25	21 / 44	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
2018 YTD	-1.18%	-5.84%	+4.66	3 / 12
2017	+22.51%	+22.13%	+0.37	7 / 12
2016	+4.19%	+3.05%	+1.14	7 / 14
2015	+6.02%	-3.73%	+9.75	2 / 14
2014	+28.70%	+7.48%	+21.22	8 / 19
2013	+3.73%	+0.94%	+2.79	12 / 21
2012	+23.31%	+19.42%	+3.89	8 / 25
2011	-23.59%	-16.46%	-7.13	21 / 29
2010	-17.63%	-7.06%	-10.57	28 / 32
2009	+44.01%	+37.12%	+6.88	15 / 31
2008	-28.49%	-26.22%	-2.27	14 / 29

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

+4.50%

136 windows

min -53.5% · max 51.3%

64% positive

3-Year rolling

+2.80%

112 windows

min -16.9% · max 18.0%

54% positive

5-Year rolling

+2.10%

87 windows

min -11.5% · max 13.2%

67% positive

7-Year rolling

+1.87%

63 windows

min -5.6% · max 8.8%

68% 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

7.62%

3-year · annualised

Sharpe ratio

0.28

vs risk-free 6.5%

Sortino ratio

0.47

Downside-only deviation

Max drawdown

-9.88%

Aug 2015 → Feb 2016

% positive months

72.2%

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
11 May 2018	₹26.7097
10 May 2018	₹26.6688
9 May 2018	₹26.7646
8 May 2018	₹26.8105
7 May 2018	₹26.8329
4 May 2018	₹26.7045
3 May 2018	₹26.7945
2 May 2018	₹26.8587
30 Apr 2018	₹26.9331
27 Apr 2018	₹26.8111

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 Young Citizen Fund [Upto 3 years] is a Balanced from Tata (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

Tata Young Citizen Fund [Upto 3 years] 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 Young Citizen Fund [Upto 3 years] is managed by Tata. It's classified by AMFI under the 'Balanced' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Tata Young Citizen Fund [Upto 3 years] has delivered a absolute return of 8.63% — +13.62 pp ahead of the Balanced category average of -4.99%. The fund ranks #17 of 41 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Tata Young Citizen Fund [Upto 3 years] has delivered a CAGR of 9.08% — +23.68 pp ahead of the Balanced category average of -14.60%. The fund ranks #9 of 38 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Tata Young Citizen Fund [Upto 3 years] has delivered a CAGR of 12.24% — +18.64 pp ahead of the Balanced category average of -6.40%. The fund ranks #6 of 25 in its category — the top (Q1) quartile.

₹1 lakh invested in Tata Young Citizen Fund [Upto 3 years] exactly 10 years ago would be worth approximately ₹168,914 today — a multiplier of 1.69×, based on the 10-year CAGR of 5.38%. The category average over the same window would have grown ₹1 lakh to ₹219,429.

A ₹10,000 monthly SIP in Tata Young Citizen Fund [Upto 3 years] over the last 5 years — total invested ₹600,000 — would be worth ₹803,138 today. That's an XIRR (money-weighted annualised return) of 11.61%.

A ₹10,000 monthly SIP for 10 years in Tata Young Citizen Fund [Upto 3 years] = ₹1,200,000 invested. It would currently be worth ₹1,851,192 (multiplier 1.54×). XIRR: 8.40%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Tata Young Citizen Fund [Upto 3 years] ranks #6 out of 25 funds in the Balanced category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -6.40%; this fund delivered 12.24%.

The worst peak-to-trough decline Tata Young Citizen Fund [Upto 3 years] has experienced over the last 5-year window is 10.10% — its NAV fell from a high on 13 Apr 2015 to a low on 25 Feb 2016. 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 Young Citizen Fund [Upto 3 years] averaged 2.10% (best 13.17%, worst -11.48%). 67% of rolling windows ended positive. The 5-year Sharpe ratio is 0.66 — reasonable risk-adjusted performance.

In calendar year 2017, Tata Young Citizen Fund [Upto 3 years] returned 22.51% — beating the Balanced category average of 22.13% by 0.37 pp. It ranked #7 of 12 in its category that year.

Tata Young Citizen Fund [Upto 3 years] is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. Tata Young Citizen Fund [Upto 3 years] is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 10.1%. 5-year CAGR: 12.24%.

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