Tata Income Fund - Direct Plan - Appreciation

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 : Medium to Long Duration Fund

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

: ₹ 69.5626 0.03%
(as on 23rd November, 2020)

Crisil Rank

Average performance among peers

Fund Size

: ₹ 53.68 Cr

(0.46% of Investment in Category)

Expense Ratio

: 1.09%

(0.89% Category average)

Risk-O-Meter

Moderate

Medium to Long Duration Fund :Medium to Long Duration Fund : Fund has 91.23% investment in Debt of which 9.17% in Government securities, 82.06% in funds invested in very low risk securities..

Suitable For : Investors who want to invest money for longer duration but prefer less riskier assets compared to equity funds.

1M
3M
6M
1Y
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5Y
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This Scheme

VS

CRISIL 10 Year Gilt Index

0.26%

2.72%

1.51%

8.82%

11.11%

7.98%

8.37%
NA
0.5%

2.83%

4.41%

10.65%

10.25%

8.23%

8.31%

NA
Gold

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VIP (Value Avg)

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Returns (NAV as on 23rd November, 2020)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	13-Nov-20	10024.10	0.24%	-	0.23%	6/14
1 Month	23-Oct-20	10052.10	0.52%	-	0.50%	6/14
3 Month	21-Aug-20	10332.10	3.32%	-	2.83%	4/14
6 Month	22-May-20	10581.20	5.81%	-	4.41%	2/14
YTD	01-Jan-20	11183.20	11.83%	-	10.20%	2/13
1 Year	22-Nov-19	11266.90	12.67%	12.60%	10.65%	3/13
2 Year	22-Nov-18	12508.90	25.09%	11.81%	10.25%	8/13
3 Year	23-Nov-17	12793.60	27.94%	8.55%	7.82%	8/13
5 Year	23-Nov-15	15263.10	52.63%	8.81%	8.23%	8/13
Since Inception	02-Jan-13	19942.40	99.42%	9.14%	8.31%	5/14

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 23rd November, 2020)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	22-Nov-19	12000	12825.83	6.88 %	12.9 %
2 Year	22-Nov-18	24000	27148.72	13.12 %	12.29 %
3 Year	23-Nov-17	36000	42498.05	18.05 %	11.05 %
5 Year	23-Nov-15	60000	75911.23	26.52 %	9.33 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Portfolio (Updated on 31st Oct,2020)

No of Debt Holding 12 (Category Avg - 26.00) | Modified Duration 5.00 Years (Category Avg - 5.78)| Yield to Maturity 6.20% (Category Avg - 6.02%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	9.17%	58.39%
NCD & Bonds	82.06%	39.72%
PTC	0.00%	0.03%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	9.17%	58.39%
Low Risk	82.06%	32.20%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
Repo	Repo	5.58%
Net Receivables	Net Receivables	3.18%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 29th October, 2020)

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.

Low volatility

3.29vs3.65

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

0.83vs0.58

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

1.1vs0.89

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

0.04vs0.88

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.

Poor risk adjusted returns

-0.81vs-0.09

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
SBI Magnum Income Fund - Direct Plan - Growth	3	1587.36	0.71	3.77	5.91	13.64	9.80
Aditya Birla Sun Life Income Fund - Direct Plan - Growth	2	1708.30	0.63	3.43	5.40	12.65	9.36
Kotak Bond - Direct Plan - Growth	3	1624.45	0.66	3.33	4.42	12.47	9.39
ICICI Prudential Bond Fund - Direct Plan - Growth	3	4238.75	0.52	3.03	5.54	11.97	9.31
IDFC Bond Fund - Income Plan - Direct Plan - Growth	5	698.05	0.41	2.93	3.67	11.96	9.57
Nippon India Income Fund - Direct Plan - Growth	4	426.98	0.52	3.00	3.95	11.30	9.66
Canara Robeco Income Fund - Direct Plan - Growth Plan	4	150.80	0.41	2.67	4.07	10.87	9.22
JM Income Fund - (Direct) - Growth	NA	25.66	0.30	2.31	4.54	10.52	3.13
HSBC Debt Fund - Direct Plan - Growth	NA	36.45	0.48	2.87	3.33	9.65	8.47
HDFC Income Fund - Direct Plan - Growth	2	665.95	0.49	2.58	3.97	9.58	7.14

Detailed Comparison

More Funds from Tata Mutual Fund

Out of 58 mutual fund schemes offered by this AMC, 1 is/are ranked 5 * , 10 is/are ranked 3 * , 4 is/are ranked 2 * , 4 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 - Direct Plan - Growth	3	15958.33	0.27	0.83	1.72	4.66	6.31
Tata Equity PE Fund - Direct Plan - Growth	3	4426.79	5.30	11.16	37.56	8.04	3.43
Tata Short Term Bond Fund - Direct Plan - Growth	3	3333.27	0.70	2.38	5.21	10.61	6.89
Tata Hybrid Equity Fund - Direct Plan - Growth	2	3170.14	6.04	10.08	30.97	5.71	4.81
Tata Arbitrage Fund - Direct Plan - Growth	5	2380.97	0.34	1.19	2.05	5.72	0.00
Tata India Tax Savings Fund - Direct Plan - Growth	3	2117.46	8.54	13.35	41.32	8.15	5.96
Tata Multicap Fund - Direct Plan - Growth	NA	1682.50	5.36	10.69	34.22	9.71	0.00
Tata Large & Mid Cap Fund - Direct Plan - Appreciation	3	1666.41	8.64	10.09	38.77	9.94	7.45
Tata Treasury Advantage Fund - Direct Plan - Growth	3	1617.35	0.53	1.65	3.78	7.76	5.91
Tata Overnight Fund - Direct Plan - Growth	NA	1535.87	0.24	0.76	1.53	3.59	0.00