Tata Digital India Fund - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Sectoral/Thematic

Fund House : Tata Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 14.7927 -0.61%
(as on 15th October, 2019)

Crisil Rank

Not Ranked

Rank not available for the fund

Fund Size

: ₹ 417.18 Cr

(0.63% of Investment in Category)

Expense Ratio

: 2.56%

(2.37% Category average)

Risk-O-Meter

High

(Min ₹500 for SIP, ₹5000 for one time investment)

Sectoral/Thematic :Sectoral/Thematic : Fund has 94.8% investment in indian stocks of which 72.6% is in large cap stocks, 14.42% is in mid cap stocks, 5.21% in small cap stocks.

Suitable For : Investors who have advanced knowledge of macro trends and prefer to take selective bets for higher returns compared to other Equity funds. At the same time, these investors should also be ready for possibility of moderate to high losses in their investments even though overall market is performing better.

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This Scheme

VS

Nifty 50

-4.66%

-2.39%

-1.2%

6.04%

23.36%

9.36%

0%
NA
2.03%

-0.54%

-2.66%

5.8%

1.08%

8.14%

8.77%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

Amount

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Profit/Loss

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Annualised Returns

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Returns (NAV as on 15th October, 2019)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	07-Oct-19	9958.50	-0.41%	-	2.15%	101/102
1 Month	13-Sep-19	9706.70	-2.93%	-	2.03%	98/102
3 Month	15-Jul-19	9813.80	-1.86%	-	-0.54%	66/102
6 Month	15-Apr-19	9812.00	-1.88%	-	-2.66%	43/98
YTD	01-Jan-19	10489.90	4.90%	-	-2.26%	40/97
1 Year	15-Oct-18	10249.10	2.49%	2.49%	5.80%	65/91
2 Year	13-Oct-17	14704.30	47.04%	21.20%	1.08%	1/81
3 Year	14-Oct-16	15821.90	58.22%	16.51%	6.60%	1/81
Since Inception	28-Dec-15	14792.70	47.93%	10.85%	8.77%	41/102

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 15th October, 2019)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	15-Oct-18	12000	12009.46	0.08 %	0.15 %
2 Year	13-Oct-17	24000	26183.17	9.1 %	8.61 %
3 Year	14-Oct-16	36000	45226.76	25.63 %	15.39 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Portfolio (Updated on 30th Sep,2019)

Equity Holding : 94.80% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 94.80%

No of Stocks : 12 (Category Avg - 32.76) | Large Cap Investments : 72.6%| Mid Cap Investments : 14.42% | Small Cap Investments : 5.21% | Other : 2.57%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Cr)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
Infosys Ltd.	Computers - software	1407.5	33.74%	0.46%	33.74% (Sep 2019)	29.21% (Apr 2019)	17.47 L	0.00
Tata Consultancy Services Ltd.	Computers - software	608.8	14.59%	-0.73%	20.71% (Jun 2019)	11.96% (Oct 2018)	2.90 L	0.00
Tech Mahindra Ltd.	Software -telecom	412.8	9.89%	1.49%	10.2% (Feb 2019)	7.91% (Jul 2019)	5.78 L	60.00 k
HCL Technologies Limited	Computers - software	392.3	9.40%	2.97%	9.4% (Sep 2019)	2.54% (Dec 2018)	3.63 L	1.13 L
Wipro Ltd.	Computers - software	207.8	4.98%	-0.17%	5.86% (Jan 2019)	4.35% (Dec 2018)	8.67 L	0.00
Mindtree Ltd.	Computers - software	201.7	4.84%	1.30%	4.84% (Sep 2019)	0% (Oct 2018)	2.85 L	65.00 k
Persistent Systems Ltd.	Computers - software	200.2	4.80%	0.35%	5.46% (Feb 2019)	2.93% (Oct 2018)	3.51 L	0.00
Oracle Financial Services Software Limited	It enabled services – software	144.1	3.45%	0.18%	4.43% (Dec 2018)	3.27% (Aug 2019)	45.40 k	0.00
L&T Technology Services Ltd.	It enabled services – software	137.1	3.29%	-0.12%	3.67% (Jun 2019)	1.56% (Feb 2019)	90.00 k	0.00
Larsen & Toubro Infotech Ltd.	Computers - software	118.6	2.84%	-1.45%	6.41% (Jun 2019)	1.43% (Oct 2018)	78.50 k	-0.34 L

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	5.03%
Reverse Repo	Reverse Repo	0.40%
Net Receivables	Net Receivables	-0.24%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 30th September, 2019)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

16.46vs12.1

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

0.91vs0.61

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Better risk adjusted returns

0.64vs0.14

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.12vs2.32

Category Avg
Jension's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Better risk adjusted returns

0.52vs-0.35

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Tata Banking And Financial Services Fund - Growth	NA	350.85	4.69	-0.27	5.16	24.23	14.33
BNP Paribas India Consumption Fund - Growth	NA	418.95	6.71	5.50	7.04	22.00	0.00
Sundaram Select Thematic Funds Financial Services Opportunities - Growth	NA	192.90	3.78	-1.19	5.17	21.83	10.99
Taurus Banking and Financial Services Fund - Growth	NA	7.09	4.77	-0.57	2.81	20.37	14.66
LIC MF BANKING & FINANCIAL SERVICES FUND - Regular Plan - Growth	NA	57.86	3.78	-1.93	1.50	19.28	3.41
Canara Robeco Consumer Trends Fund - Regular Plan- Growth	NA	353.75	8.23	6.51	4.50	18.94	12.01
Baroda Banking and Financial Services Fund - Plan A - Growth	NA	44.58	3.04	-3.19	1.43	18.69	10.73
SBI Banking & Financial Services Fund - Growth	NA	1127.64	3.43	-3.14	0.77	17.88	14.71
Invesco India Financial Services Fund - Regular Plan - Growth	NA	163.33	3.86	-2.00	0.90	16.45	13.72
Aditya Birla Sun Life India GenNext Fund - Regular Plan - Growth	4	1191.56	5.41	5.38	4.55	16.00	9.91

Detailed Comparison

More Funds from Tata Mutual Fund

Out of 57 mutual fund schemes offered by this AMC, 1 is/are ranked 5 * , 3 is/are ranked 4 * , 6 is/are ranked 3 * , 7 is/are ranked 2 * , 1 is/are ranked 1 * , and 39 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Tata Liquid Fund -Regular Plan - Growth	3	12240.84	0.47	1.49	3.28	7.10	7.00
Tata Equity PE Fund - Regular Plan - Growth	3	5378.24	2.60	-0.80	-2.71	5.43	7.68
Tata Hybrid Equity Fund - Regular Plan - Growth	2	4298.98	1.43	-2.26	-1.16	7.16	3.94
Tata Short Term Bond Fund - Regular Plan - Growth	3	2048.49	0.53	1.76	4.99	6.21	4.72
Tata India Tax Savings Fund - Regular Plan - Growth	NA	1919.17	2.26	-1.63	-0.41	12.94	8.52
Tata Multicap Fund - Growth	NA	1678.76	5.66	3.29	2.40	9.83	0.00
Tata Large & Mid Cap Fund - Regular Plan - Growth	4	1455.25	1.93	-0.74	1.98	14.62	7.17
Tata India Consumer Fund - Growth	NA	1395.97	5.60	6.74	0.20	4.06	14.02
Tata Retirement Savings Fund - Regular Plan - Moderate Plan - Growth	NA	1105.07	4.73	2.44	-0.20	9.91	8.84
Tata Balanced Advantage Fund - Growth	NA	1020.07	1.58	0.30	1.19	0.00	0.00