Tata Short Term Bond Fund - Direct Plan - 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.

No of Debt Holding 53 (Category Avg - 68.83) | Modified Duration 2.77 Years (Category Avg - 2.54)| Yield to Maturity 6.77% (Category Avg - 6.80%)

Portfolio Summary (as on 30th Nov,2025)

Security Type	% Weight	Category Average
GOI	26.75%	20.22%
CD	7.70%	3.27%
T-Bills	0.00%	0.03%
CP	0.00%	0.41%
NCD & Bonds	59.93%	67.63%
PTC	2.72%	2.66%

Category - Short Duration Fund

Security Type	% Weight	Category Average
Government Backed	26.75%	20.26%
Low Risk	70.35%	73.97%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Short Duration Fund

Debt holding in Portfolio (as on 30th Nov,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	2541.07	7.49%	25.00 k
Bond - Govt of India	GOI	Other			2296.80	6.77%	2.20 Cr
Bond - Govt of India	GOI	Other			2146.35	6.33%	2.15 Cr
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	1667.28	4.92%	3.50 k
Bond - Govt of India	GOI	Other			1665.22	4.91%	1.65 Cr
Bond - Bharti Telecom Ltd.	NCD & Bonds	Telecom - equipment & accessories	AAA	CRISIL	1502.11	4.43%	15.00 k
Bond - Bharti Telecom Ltd.	NCD & Bonds	Telecom - equipment & accessories	AAA	CRISIL	1280.23	3.77%	12.50 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	1199.29	3.54%	1.18 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	1030.94	3.04%	10.00 k
Bond - Govt of India	GOI	Other			1025.95	3.02%	1.05 Cr
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	1018.71	3.00%	1.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	1017.71	3.00%	10.00 k
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	1015.12	2.99%	10.00 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	999.89	2.95%	10.00 k
Bond - Poonawalla Fincorp Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	999.44	2.95%	10.00 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	944.10	2.78%	2.00 k
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	760.41	2.24%	7.50 k
Bond - Govt of India	GOI	Other			545.39	1.61%	55.00 L
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	526.67	1.55%	500.00
Bond - Jamnagar Utilities & Power Pvt. Ltd.	NCD & Bonds	Power generation	AAA	CRISIL	512.34	1.51%	5.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	510.25	1.50%	5.00 k
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	510.22	1.50%	5.00 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	509.55	1.50%	5.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	509.26	1.50%	5.00 k
Bond - Nomura Capital (India) Pvt. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	INDAAA	FITCH	506.40	1.49%	5.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	505.83	1.49%	500.00
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	503.47	1.48%	5.00 k
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	501.93	1.48%	5.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	500.05	1.47%	5.00 k
Bond - Govt of India	GOI	Other			360.07	1.06%	35.00 L
Bond - Sansar Trust	PTC	Ptc	AAA	CRISIL	315.75	0.93%	75.00 Cr
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	261.70	0.77%	250.00
Bond - Tata Capital Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	255.27	0.75%	2.50 k
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	255.05	0.75%	2.50 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	254.39	0.75%	2.50 k
Bond - India Universal Trust	PTC	Ptc	AAA	CRISIL	253.20	0.75%	33.00
Bond - Govt of India	GOI	Other			251.38	0.74%	25.00 L
Bond - Govt of India	GOI	Other			250.65	0.74%	25.92 L
Bond - Mindspace Business Parks REIT	NCD & Bonds	Real estate investment trusts (reits)	AAA	CRISIL	200.62	0.59%	2.00 k
Bond - India Universal Trust	PTC	Ptc	INDAAA	FITCH	187.95	0.55%	62.00
Bond - India Universal Trust	PTC	Ptc	INDAAA	FITCH	167.49	0.49%	20.00
Bond - Govt of India	GOI	Other			155.58	0.46%	15.00 L
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	149.07	0.44%	1.50 k
Bond - Govt of India	GOI	Other			108.22	0.32%	10.60 L
Bond - Govt of India	GOI	Other			51.80	0.15%	5.00 L
Bond - Govt of India	GOI	Other			50.95	0.15%	5.00 L
Bond - Govt of India	GOI	Other			50.93	0.15%	5.00 L
Bond - Govt of India	GOI	Other			49.25	0.15%	5.00 L
Bond - Govt of India	GOI	Other			29.85	0.09%	2.90 L
Bond - Govt of India	GOI	Other			20.35	0.06%	2.00 L
Bond - Govt of India	GOI	Other			12.39	0.04%	1.20 L
Bond - National Highways Authority of India	NCD & Bonds	Road assets–toll, annuity, hybrid-annuity	AAA	CRISIL	3.15	0.01%	3.00
Bond - Govt of India	GOI	Other			0.04	0.00%	400.00

Name	Type of Instrument	Weight (%)
Net Receivables	Net Receivables	1.98%
Repo	Repo	0.40%
Net Receivables	Net Receivables	0.29%
MF Units	MF Units	0.19%
Roadstar Infra Investment Trust	InvITs	0.04%

Tata Short Term Bond Fund - Direct Plan - Growth

Portfolio Summary (as on 30th Nov,2025)

Debt holding in Portfolio (as on 30th Nov,2025)

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