2022-ലെ മികച്ച 10 ടാറ്റ മ്യൂച്വൽ ഫണ്ട് സ്കീമുകൾ

Updated on September 28, 2025 , 48483 views

ഇന്ത്യയിലെ ഏറ്റവും മൂല്യമുള്ള ബ്രാൻഡുകളിലൊന്നിന്റെ പിന്തുണയോടെ,ടാറ്റ മ്യൂച്വൽ ഫണ്ട് സ്ഥിരമായ പ്രകടനവും ലോകോത്തര സേവനവും കൊണ്ട് നിക്ഷേപകരുടെ വിശ്വാസം നേടിയിട്ടുണ്ട്. നേരെ ആക്രമണകാരിയിൽ നിന്ന്നിക്ഷേപകൻ ഒരു യാഥാസ്ഥിതികനോട്മൂലധനം ബിൽഡർ, ഒരു ബിസിനസുകാരനോ അല്ലെങ്കിൽ ശമ്പളമുള്ള പ്രൊഫഷണലോ, ടാറ്റമ്യൂച്വൽ ഫണ്ട് ഓരോ ഉപഭോക്താവിനും ഒരു നിക്ഷേപ ഓപ്ഷൻ വാഗ്ദാനം ചെയ്യുന്നു.

ദിഎഎംസി സ്ഥിരമായ ദീർഘകാല ഫലങ്ങൾ തേടാൻ ലക്ഷ്യമിടുന്നു. നിറവേറ്റുന്നതിനായിസാമ്പത്തിക ലക്ഷ്യങ്ങൾ നിക്ഷേപകരിൽ, ഫണ്ട് ഹൗസ് വിവിധ ലക്ഷ്യങ്ങളെ അടിസ്ഥാനമാക്കിയുള്ള ഫണ്ടുകൾ വാഗ്ദാനം ചെയ്യുന്നു. നിക്ഷേപകർക്ക് വിവിധ സ്കീമുകളിൽ നിക്ഷേപിക്കാം- ഇക്വിറ്റി, ഡെറ്റ്, ബാലൻസ്ഡ്,ലിക്വിഡ് ഫണ്ടുകൾ, നികുതി ലാഭിക്കൽ മുതലായവ. നിക്ഷേപിക്കാൻ ആസൂത്രണം ചെയ്യുന്ന ഒരാൾക്ക് താഴെ ലിസ്റ്റുചെയ്തിരിക്കുന്ന മികച്ച 10 മികച്ച ടാറ്റ മ്യൂച്വൽ ഫണ്ട് സ്കീമുകളിൽ നിന്ന് ഒരു ഫണ്ട് തിരഞ്ഞെടുക്കാം.

AUM പോലുള്ള ചില പാരാമീറ്ററുകൾ ഏറ്റെടുത്ത് ഈ ഫണ്ടുകൾ ഷോർട്ട്‌ലിസ്റ്റ് ചെയ്തിട്ടുണ്ട്,അല്ല, മുൻകാല പ്രകടനങ്ങൾ, ശരാശരി വരുമാനം മുതലായവ.

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എന്തുകൊണ്ടാണ് ടാറ്റ മ്യൂച്വൽ ഫണ്ടിൽ നിക്ഷേപിക്കുന്നത്?

ടാറ്റ എന്ന പേരിന് വലിയ മൂല്യവും വിശ്വാസവും വിശ്വാസ്യതയും ഉണ്ട്. ഇത് രാജ്യത്ത് ഉയർന്ന ഇക്വിറ്റി ആസ്വദിക്കുന്നു.
ഫണ്ട് മാനേജ്‌മെന്റിനൊപ്പം, ടാറ്റ മ്യൂച്വൽ ഫണ്ട് വിദഗ്ദ്ധ സാമ്പത്തിക സേവനങ്ങൾ വാഗ്ദാനം ചെയ്യുന്നു. കമ്പനിയുടെ വിശ്വാസവും സ്ഥിരമായ റെക്കോർഡും നിക്ഷേപകരെ ആകർഷിക്കുന്നു.
കമ്പനിയുടെ പ്രകടനം നിക്ഷേപകർക്കിടയിൽ അവരുടെ പണത്തിന്റെ സുരക്ഷിതത്വത്തെക്കുറിച്ച് ഒരു ആത്മവിശ്വാസം സൃഷ്ടിച്ചു. ഉയർന്ന അപകടസാധ്യതകളുണ്ടെങ്കിലും, പണം തെറ്റായി കൈകാര്യം ചെയ്യപ്പെടില്ലെന്ന് നിക്ഷേപകർക്ക് ശക്തമായ വിശ്വാസമുണ്ട്.
ഒരു നിശ്ചിത കാലയളവിൽ ക്രമാനുഗതമായ സമ്പത്ത് സൃഷ്ടിക്കുന്നതിനുള്ള ഒരു നല്ല ഓപ്ഷനാണ് ഇത്.

മികച്ച ടാറ്റ മ്യൂച്വൽ ഫണ്ട് സ്കീമുകൾ

Fund	NAV	Net Assets (Cr)	Min Investment	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	Since launch (%)	2024 (%)
Tata Retirement Savings Fund-Moderate Growth	₹63.4181 ↑ 0.43	₹2,115	5,000	150	-4.8	6.3	-3.9	13.8	14.5	14.1	19.5
Tata India Tax Savings Fund Growth	₹43.9907 ↑ 0.26	₹4,472	500	500	-2.8	6.5	-6.3	15.7	19.8	14.4	19.5
Tata Retirement Savings Fund - Progressive Growth	₹63.8659 ↑ 0.48	₹2,047	5,000	150	-6.4	6.5	-7.5	14.6	15.4	14.2	21.7
Tata Equity PE Fund Growth	₹346.19 ↑ 5.07	₹8,348	5,000	150	-3.4	6.1	-10.3	19.5	20.8	18.1	21.7
Tata Treasury Advantage Fund Growth	₹3,995.42 ↑ 1.64	₹3,111	5,000	500	1.4	3.6	7.5	7.1	5.8	7.1	7.4
Tata Liquid Fund Growth	₹4,172.42 ↑ 0.87	₹20,404	5,000	500	1.4	3.1	6.8	7	5.6	7	7.3
Tata Retirement Savings Fund - Conservative Growth	₹31.6005 ↑ 0.11	₹177	5,000	500	-1.4	3.8	1.2	8.2	7.5	8.6	9.9
Tata Money Market Fund Growth	₹4,806.44 ↑ 1.45	₹38,965	5,000	500	1.5	3.7	7.7	7.6	6.1	6.8	7.7
TATA Short Term Bond Fund Growth	₹48.5119 ↑ 0.05	₹3,413	5,000	500	0.9	3.2	7	7	5.4	7.1	7.4
TATA Gilt Securities Fund Growth	₹78.4357 ↑ 0.45	₹1,318	5,000	500	-0.5	1.2	5	6.8	5	8.2	8.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Oct 25

Research Highlights & Commentary of 10 Funds showcased

Commentary	Tata Retirement Savings Fund-Moderate	Tata India Tax Savings Fund	Tata Retirement Savings Fund - Progressive	Tata Equity PE Fund	Tata Treasury Advantage Fund	Tata Liquid Fund	Tata Retirement Savings Fund - Conservative	Tata Money Market Fund	TATA Short Term Bond Fund	TATA Gilt Securities Fund
Point 1	Lower mid AUM (₹2,115 Cr).	Upper mid AUM (₹4,472 Cr).	Bottom quartile AUM (₹2,047 Cr).	Upper mid AUM (₹8,348 Cr).	Lower mid AUM (₹3,111 Cr).	Top quartile AUM (₹20,404 Cr).	Bottom quartile AUM (₹177 Cr).	Highest AUM (₹38,965 Cr).	Upper mid AUM (₹3,413 Cr).	Bottom quartile AUM (₹1,318 Cr).
Point 2	Established history (13+ yrs).	Established history (10+ yrs).	Established history (13+ yrs).	Established history (21+ yrs).	Established history (20+ yrs).	Established history (21+ yrs).	Established history (13+ yrs).	Established history (22+ yrs).	Established history (23+ yrs).	Oldest track record among peers (26 yrs).
Point 3	Top rated.	Rating: 5★ (top quartile).	Rating: 5★ (upper mid).	Rating: 5★ (upper mid).	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 4★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Moderately High.	Risk profile: Low.	Risk profile: Moderately Low.	Risk profile: Moderate.
Point 5	5Y return: 14.50% (upper mid).	5Y return: 19.79% (top quartile).	5Y return: 15.36% (upper mid).	5Y return: 20.84% (top quartile).	1Y return: 7.47% (top quartile).	1Y return: 6.82% (upper mid).	5Y return: 7.46% (upper mid).	1Y return: 7.72% (top quartile).	1Y return: 7.02% (upper mid).	1Y return: 5.05% (upper mid).
Point 6	3Y return: 13.85% (upper mid).	3Y return: 15.69% (top quartile).	3Y return: 14.62% (upper mid).	3Y return: 19.55% (top quartile).	1M return: 0.54% (upper mid).	1M return: 0.47% (lower mid).	3Y return: 8.24% (upper mid).	1M return: 0.51% (lower mid).	1M return: 0.55% (upper mid).	1M return: 1.58% (upper mid).
Point 7	1Y return: -3.94% (lower mid).	1Y return: -6.27% (bottom quartile).	1Y return: -7.47% (bottom quartile).	1Y return: -10.30% (bottom quartile).	Sharpe: 2.03 (upper mid).	Sharpe: 3.56 (top quartile).	1Y return: 1.22% (lower mid).	Sharpe: 3.08 (top quartile).	Sharpe: 0.57 (upper mid).	Sharpe: -0.36 (upper mid).
Point 8	1M return: 0.28% (bottom quartile).	Alpha: -1.62 (bottom quartile).	1M return: -0.10% (bottom quartile).	Alpha: -7.40 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	1M return: 0.44% (bottom quartile).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).
Point 9	Alpha: 0.00 (top quartile).	Sharpe: -0.71 (bottom quartile).	Alpha: -0.19 (bottom quartile).	Sharpe: -1.07 (bottom quartile).	Yield to maturity (debt): 6.38% (upper mid).	Yield to maturity (debt): 5.94% (lower mid).	Alpha: 0.00 (upper mid).	Yield to maturity (debt): 6.22% (upper mid).	Yield to maturity (debt): 6.82% (top quartile).	Yield to maturity (debt): 7.25% (top quartile).
Point 10	Sharpe: -0.56 (lower mid).	Information ratio: -0.22 (bottom quartile).	Sharpe: -0.60 (lower mid).	Information ratio: 0.80 (top quartile).	Modified duration: 0.84 yrs (lower mid).	Modified duration: 0.11 yrs (upper mid).	Sharpe: -0.78 (bottom quartile).	Modified duration: 0.45 yrs (lower mid).	Modified duration: 2.69 yrs (bottom quartile).	Modified duration: 10.77 yrs (bottom quartile).

Tata Retirement Savings Fund-Moderate

Lower mid AUM (₹2,115 Cr).
Established history (13+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 14.50% (upper mid).
3Y return: 13.85% (upper mid).
1Y return: -3.94% (lower mid).
1M return: 0.28% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: -0.56 (lower mid).

Tata India Tax Savings Fund

Upper mid AUM (₹4,472 Cr).
Established history (10+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderately High.
5Y return: 19.79% (top quartile).
3Y return: 15.69% (top quartile).
1Y return: -6.27% (bottom quartile).
Alpha: -1.62 (bottom quartile).
Sharpe: -0.71 (bottom quartile).
Information ratio: -0.22 (bottom quartile).

Tata Retirement Savings Fund - Progressive

Bottom quartile AUM (₹2,047 Cr).
Established history (13+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 15.36% (upper mid).
3Y return: 14.62% (upper mid).
1Y return: -7.47% (bottom quartile).
1M return: -0.10% (bottom quartile).
Alpha: -0.19 (bottom quartile).
Sharpe: -0.60 (lower mid).

Tata Equity PE Fund

Upper mid AUM (₹8,348 Cr).
Established history (21+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 20.84% (top quartile).
3Y return: 19.55% (top quartile).
1Y return: -10.30% (bottom quartile).
Alpha: -7.40 (bottom quartile).
Sharpe: -1.07 (bottom quartile).
Information ratio: 0.80 (top quartile).

Tata Treasury Advantage Fund

Lower mid AUM (₹3,111 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.47% (top quartile).
1M return: 0.54% (upper mid).
Sharpe: 2.03 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.38% (upper mid).
Modified duration: 0.84 yrs (lower mid).

Tata Liquid Fund

Top quartile AUM (₹20,404 Cr).
Established history (21+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 6.82% (upper mid).
1M return: 0.47% (lower mid).
Sharpe: 3.56 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 5.94% (lower mid).
Modified duration: 0.11 yrs (upper mid).

Tata Retirement Savings Fund - Conservative

Bottom quartile AUM (₹177 Cr).
Established history (13+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 7.46% (upper mid).
3Y return: 8.24% (upper mid).
1Y return: 1.22% (lower mid).
1M return: 0.44% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.78 (bottom quartile).

Tata Money Market Fund

Highest AUM (₹38,965 Cr).
Established history (22+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.72% (top quartile).
1M return: 0.51% (lower mid).
Sharpe: 3.08 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.22% (upper mid).
Modified duration: 0.45 yrs (lower mid).

TATA Short Term Bond Fund

Upper mid AUM (₹3,413 Cr).
Established history (23+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.02% (upper mid).
1M return: 0.55% (upper mid).
Sharpe: 0.57 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.82% (top quartile).
Modified duration: 2.69 yrs (bottom quartile).

TATA Gilt Securities Fund

Bottom quartile AUM (₹1,318 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.05% (upper mid).
1M return: 1.58% (upper mid).
Sharpe: -0.36 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.25% (top quartile).
Modified duration: 10.77 yrs (bottom quartile).

1. Tata Retirement Savings Fund-Moderate

To provide a financial planning tool for long term financial security for investors based on their retirement planning goals. However, there can be no assurance that the investment objective of the fund will be realized, as actual market movements may be at variance with anticipated trends.

Research Highlights for Tata Retirement Savings Fund-Moderate

Lower mid AUM (₹2,115 Cr).
Established history (13+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 14.50% (upper mid).
3Y return: 13.85% (upper mid).
1Y return: -3.94% (lower mid).
1M return: 0.28% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: -0.56 (lower mid).
Information ratio: 0.00 (top quartile).
Top sector: Financial Services.
Top bond sector: Government.
Equity-heavy allocation (~81%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.79% Govt Stock 2034 (~6.0%).

Below is the key information for Tata Retirement Savings Fund-Moderate

Tata Retirement Savings Fund-Moderate Growth
Launch Date	1 Nov 11
NAV (01 Oct 25)	₹63.4181 ↑ 0.43 (0.68 %)
Net Assets (Cr)	₹2,115 on 31 Aug 25
Category	Solutions - Retirement Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	2.02
Sharpe Ratio	-0.57
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	150
Exit Load	0-60 Years (1%),60 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹13,658
30 Sep 22	₹13,337
30 Sep 23	₹15,398
30 Sep 24	₹20,487
30 Sep 25	₹19,679

Tata Retirement Savings Fund-Moderate SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for Tata Retirement Savings Fund-Moderate

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 25

Duration	Returns
1 Month	0.3%
3 Month	-4.8%
6 Month	6.3%
1 Year	-3.9%
3 Year	13.8%
5 Year	14.5%
10 Year
15 Year
Since launch	14.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	19.5%
2023	25.3%
2022	-1.9%
2021	20.5%
2020	15.1%
2019	8.6%
2018	-3.6%
2017	38.8%
2016	6.7%
2015	7.7%

Fund Manager information for Tata Retirement Savings Fund-Moderate

Name	Since	Tenure
Murthy Nagarajan	1 Apr 17	8.42 Yr.
Sonam Udasi	1 Apr 16	9.42 Yr.

Data below for Tata Retirement Savings Fund-Moderate as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	4.76%
Equity	80.75%
Debt	14.48%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	6%	₹126 Cr	12,500,000
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 11 \| HDFCBANK	5%	₹116 Cr	1,214,000
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 18 \| RELIANCE	4%	₹77 Cr	567,900
Solar Industries India Ltd (Basic Materials) Equity, Since 31 Oct 22 \| SOLARINDS	4%	₹77 Cr	55,455 ↑ 4,300
Radico Khaitan Ltd (Consumer Defensive) Equity, Since 30 Nov 17 \| RADICO	4%	₹76 Cr	266,500
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Mar 24 \| 543320	4%	₹76 Cr	2,412,000
ITC Ltd (Consumer Defensive) Equity, Since 30 Apr 18 \| ITC	3%	₹66 Cr	1,613,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Aug 20 \| TCS	3%	₹65 Cr	211,500
BSE Ltd (Financial Services) Equity, Since 31 May 24 \| BSE	3%	₹62 Cr	297,000
Mahanagar Gas Ltd (Utilities) Equity, Since 29 Feb 24 \| 539957	2%	₹42 Cr	333,000

2. Tata India Tax Savings Fund

To provide medium to long term capital gains along with income tax relief to its Unitholders, while at all times emphasising the importance of capital appreciation..

Research Highlights for Tata India Tax Savings Fund

Upper mid AUM (₹4,472 Cr).
Established history (10+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderately High.
5Y return: 19.79% (top quartile).
3Y return: 15.69% (top quartile).
1Y return: -6.27% (bottom quartile).
Alpha: -1.62 (bottom quartile).
Sharpe: -0.71 (bottom quartile).
Information ratio: -0.22 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding HDFC Bank Ltd (~7.3%).

Below is the key information for Tata India Tax Savings Fund

Tata India Tax Savings Fund Growth
Launch Date	13 Oct 14
NAV (01 Oct 25)	₹43.9907 ↑ 0.26 (0.59 %)
Net Assets (Cr)	₹4,472 on 31 Aug 25
Category	Equity - ELSS
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	-0.71
Information Ratio	-0.22
Alpha Ratio	-1.62
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹15,631
30 Sep 22	₹15,931
30 Sep 23	₹18,810
30 Sep 24	₹26,318
30 Sep 25	₹24,667

Tata India Tax Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for Tata India Tax Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 25

Duration	Returns
1 Month	2%
3 Month	-2.8%
6 Month	6.5%
1 Year	-6.3%
3 Year	15.7%
5 Year	19.8%
10 Year
15 Year
Since launch	14.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	19.5%
2023	24%
2022	5.9%
2021	30.4%
2020	11.9%
2019	13.6%
2018	-8.4%
2017	46%
2016	2.1%
2015	13.3%

Fund Manager information for Tata India Tax Savings Fund

Name	Since	Tenure
Rahul Singh	1 Jul 25	0.17 Yr.
Sailesh Jain	16 Dec 21	3.71 Yr.

Data below for Tata India Tax Savings Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	33.62%
Industrials	14.3%
Consumer Cyclical	14.27%
Basic Materials	7.26%
Technology	6.33%
Energy	5.31%
Communication Services	4.28%
Health Care	3.33%
Utility	2.53%
Real Estate	2.26%
Consumer Defensive	1.89%

Asset Allocation

Asset Class	Value
Cash	4.62%
Equity	95.38%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 10 \| HDFCBANK	7%	₹328 Cr	3,450,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 16 \| ICICIBANK	7%	₹297 Cr	2,125,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 18 \| RELIANCE	4%	₹183 Cr	1,350,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 19 \| BHARTIARTL	4%	₹178 Cr	940,000
State Bank of India (Financial Services) Equity, Since 30 Nov 18 \| SBIN	4%	₹175 Cr	2,175,000
Infosys Ltd (Technology) Equity, Since 30 Sep 18 \| INFY	4%	₹170 Cr	1,160,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Aug 18 \| AXISBANK	3%	₹136 Cr	1,300,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 16 \| LT	3%	₹127 Cr	352,147
NTPC Ltd (Utilities) Equity, Since 30 Jun 21 \| NTPC	3%	₹113 Cr	3,451,000
Samvardhana Motherson International Ltd (Consumer Cyclical) Equity, Since 30 Nov 22 \| MOTHERSON	2%	₹95 Cr	10,200,000

3. Tata Retirement Savings Fund - Progressive

Research Highlights for Tata Retirement Savings Fund - Progressive

Bottom quartile AUM (₹2,047 Cr).
Established history (13+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 15.36% (upper mid).
3Y return: 14.62% (upper mid).
1Y return: -7.47% (bottom quartile).
1M return: -0.10% (bottom quartile).
Alpha: -0.19 (bottom quartile).
Sharpe: -0.60 (lower mid).
Information ratio: -0.12 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding HDFC Bank Ltd (~6.5%).

Below is the key information for Tata Retirement Savings Fund - Progressive

Tata Retirement Savings Fund - Progressive Growth
Launch Date	1 Nov 11
NAV (01 Oct 25)	₹63.8659 ↑ 0.48 (0.76 %)
Net Assets (Cr)	₹2,047 on 31 Aug 25
Category	Solutions - Retirement Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	2.02
Sharpe Ratio	-0.6
Information Ratio	-0.12
Alpha Ratio	-0.19
Min Investment	5,000
Min SIP Investment	150
Exit Load	0-60 Years (1%),60 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹14,202
30 Sep 22	₹13,568
30 Sep 23	₹15,797
30 Sep 24	₹22,078
30 Sep 25	₹20,428

Tata Retirement Savings Fund - Progressive SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 Invest Now

Returns for Tata Retirement Savings Fund - Progressive

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 25

Duration	Returns
1 Month	-0.1%
3 Month	-6.4%
6 Month	6.5%
1 Year	-7.5%
3 Year	14.6%
5 Year	15.4%
10 Year
15 Year
Since launch	14.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	21.7%
2023	29%
2022	-3.9%
2021	23.3%
2020	14.4%
2019	11.5%
2018	-6.1%
2017	49.1%
2016	3.1%
2015	7.8%

Fund Manager information for Tata Retirement Savings Fund - Progressive

Name	Since	Tenure
Murthy Nagarajan	1 Apr 17	8.42 Yr.
Sonam Udasi	1 Apr 16	9.42 Yr.

Data below for Tata Retirement Savings Fund - Progressive as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	5.83%
Equity	94.17%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 11 \| HDFCBANK	7%	₹133 Cr	1,400,000
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 18 \| RELIANCE	4%	₹89 Cr	657,000
Solar Industries India Ltd (Basic Materials) Equity, Since 31 Oct 22 \| SOLARINDS	4%	₹88 Cr	63,635 ↑ 5,500
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Mar 24 \| 543320	4%	₹85 Cr	2,718,000
ITC Ltd (Consumer Defensive) Equity, Since 30 Apr 18 \| ITC	4%	₹76 Cr	1,853,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Aug 20 \| TCS	4%	₹75 Cr	243,000
Radico Khaitan Ltd (Consumer Defensive) Equity, Since 30 Nov 17 \| RADICO	3%	₹71 Cr	249,600
BSE Ltd (Financial Services) Equity, Since 31 May 24 \| BSE	3%	₹68 Cr	324,000
Nippon Life India Asset Management Ltd Ordinary Shares (Financial Services) Equity, Since 31 Jan 25 \| NAM-INDIA	2%	₹47 Cr	603,000
Mahanagar Gas Ltd (Utilities) Equity, Since 29 Feb 24 \| 539957	2%	₹47 Cr	378,000

4. Tata Equity PE Fund

To provide reasonable and regular income and/ or possible capital appreciation to its Unitholder.

Research Highlights for Tata Equity PE Fund

Upper mid AUM (₹8,348 Cr).
Established history (21+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 20.84% (top quartile).
3Y return: 19.55% (top quartile).
1Y return: -10.30% (bottom quartile).
Alpha: -7.40 (bottom quartile).
Sharpe: -1.07 (bottom quartile).
Information ratio: 0.80 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding HDFC Bank Ltd (~7.7%).

Below is the key information for Tata Equity PE Fund

Tata Equity PE Fund Growth
Launch Date	29 Jun 04
NAV (01 Oct 25)	₹346.19 ↑ 5.07 (1.48 %)
Net Assets (Cr)	₹8,348 on 31 Aug 25
Category	Equity - Value
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.79
Sharpe Ratio	-1.08
Information Ratio	0.8
Alpha Ratio	-7.4
Min Investment	5,000
Min SIP Investment	150
Exit Load	0-18 Months (1%),18 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹14,804
30 Sep 22	₹15,082
30 Sep 23	₹18,797
30 Sep 24	₹28,725
30 Sep 25	₹25,767

Tata Equity PE Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 Invest Now

Returns for Tata Equity PE Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 25

Duration	Returns
1 Month	2.3%
3 Month	-3.4%
6 Month	6.1%
1 Year	-10.3%
3 Year	19.5%
5 Year	20.8%
10 Year
15 Year
Since launch	18.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	21.7%
2023	37%
2022	5.9%
2021	28%
2020	12.5%
2019	5.3%
2018	-7.1%
2017	39.4%
2016	16.2%
2015	0.3%

Fund Manager information for Tata Equity PE Fund

Name	Since	Tenure
Sonam Udasi	1 Apr 16	9.42 Yr.
Amey Sathe	18 Jun 18	7.21 Yr.

Data below for Tata Equity PE Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	35.37%
Consumer Cyclical	12.72%
Consumer Defensive	9.9%
Energy	9.14%
Technology	7.84%
Utility	5.01%
Industrials	4.62%
Health Care	4.31%
Communication Services	4.19%
Basic Materials	2.94%
Real Estate	0.29%

Asset Allocation

Asset Class	Value
Cash	3.67%
Equity	96.33%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Jun 18 \| HDFCBANK	8%	₹639 Cr	6,714,000
ITC Ltd (Consumer Defensive) Equity, Since 31 Jul 18 \| ITC	5%	₹454 Cr	11,070,000 ↑ 2,700,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 24 \| KOTAKBANK	5%	₹430 Cr	2,196,000 ↑ 468,000
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Dec 23 \| BPCL	5%	₹413 Cr	13,410,000
Muthoot Finance Ltd (Financial Services) Equity, Since 30 Apr 23 \| MUTHOOTFIN	4%	₹349 Cr	1,323,000
Motilal Oswal Financial Services Ltd (Financial Services) Equity, Since 31 Oct 24 \| MOTILALOFS	4%	₹327 Cr	3,818,710
Radico Khaitan Ltd (Consumer Defensive) Equity, Since 30 Nov 17 \| RADICO	4%	₹314 Cr	1,100,000
Hero MotoCorp Ltd (Consumer Cyclical) Equity, Since 31 Jan 22 \| HEROMOTOCO	4%	₹311 Cr	612,000
Wipro Ltd (Technology) Equity, Since 31 Dec 23 \| WIPRO	3%	₹292 Cr	11,700,000 ↑ 270,000
Shriram Finance Ltd (Financial Services) Equity, Since 30 Jun 24 \| SHRIRAMFIN	3%	₹272 Cr	4,680,000 ↑ 180,000

5. Tata Treasury Advantage Fund

(Erstwhile Tata Ultra Short Term Fund)

The investment objective of the scheme is to generate regular income & capital appreciation by investing in a portfolio of debt & money market instruments with relatively lower interest rate risk. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns.

Research Highlights for Tata Treasury Advantage Fund

Lower mid AUM (₹3,111 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.47% (top quartile).
1M return: 0.54% (upper mid).
Sharpe: 2.03 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.38% (upper mid).
Modified duration: 0.84 yrs (lower mid).
Average maturity: 1.01 yrs (lower mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~47%).
High-quality debt (AAA/AA ~100%).
Largest holding Hdb Financial Services Limited (~4.7%).

Below is the key information for Tata Treasury Advantage Fund

Tata Treasury Advantage Fund Growth
Launch Date	6 Sep 05
NAV (01 Oct 25)	₹3,995.42 ↑ 1.64 (0.04 %)
Net Assets (Cr)	₹3,111 on 31 Aug 25
Category	Debt - Low Duration
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	2.03
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.38%
Effective Maturity	1 Year 4 Days
Modified Duration	10 Months 4 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,428
30 Sep 22	₹10,787
30 Sep 23	₹11,509
30 Sep 24	₹12,347
30 Sep 25	₹13,270

Tata Treasury Advantage Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Tata Treasury Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 25

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	3.6%
1 Year	7.5%
3 Year	7.1%
5 Year	5.8%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	6.9%
2022	4.1%
2021	3.6%
2020	7.5%
2019	2.2%
2018	7.5%
2017	6.9%
2016	8.5%
2015	8.6%

Fund Manager information for Tata Treasury Advantage Fund

Name	Since	Tenure
Akhil Mittal	2 Jun 14	11.26 Yr.
Abhishek Sonthalia	6 Feb 20	5.57 Yr.

Data below for Tata Treasury Advantage Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	46.99%
Debt	52.71%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	65.79%
Government	19.91%
Cash Equivalent	14%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Hdb Financial Services Limited Debentures \| -	5%	₹146 Cr	14,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹101 Cr	10,000
Bajaj Finance Limited Debentures \| -	3%	₹100 Cr	1,000
07.80 KL Sdl 2027 Sovereign Bonds \| -	3%	₹97 Cr	9,500,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹76 Cr	7,500
ICICI Home Finance Company Limited Debentures \| -	2%	₹76 Cr	7,500
National Housing Bank Debentures \| -	2%	₹75 Cr	7,500
364 DTB 29012026 Sovereign Bonds \| -	2%	₹73 Cr	7,500,000
Sundaram Home Finance Limited Debentures \| -	2%	₹50 Cr	5,000
ICICI Home Finance Company Limited Debentures \| -	2%	₹50 Cr	5,000

6. Tata Liquid Fund

(Erstwhile TATA Money Market Fund )

To create a highly liquid portfolio of money market instruments so as to provide reasonable returns and high liquidity to the unitholders.

Research Highlights for Tata Liquid Fund

Top quartile AUM (₹20,404 Cr).
Established history (21+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 6.82% (upper mid).
1M return: 0.47% (lower mid).
Sharpe: 3.56 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 5.94% (lower mid).
Modified duration: 0.11 yrs (upper mid).
Average maturity: 0.11 yrs (upper mid).
Exit load: NIL.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~100%).
High-quality debt (AAA/AA ~100%).
Largest holding ** Treasury Bill 91 Days (04/12/2025) (~5.0%).

Below is the key information for Tata Liquid Fund

Tata Liquid Fund Growth
Launch Date	1 Sep 04
NAV (01 Oct 25)	₹4,172.42 ↑ 0.87 (0.02 %)
Net Assets (Cr)	₹20,404 on 31 Aug 25
Category	Debt - Liquid Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.39
Sharpe Ratio	3.56
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	5.94%
Effective Maturity	1 Month 9 Days
Modified Duration	1 Month 9 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,315
30 Sep 22	₹10,727
30 Sep 23	₹11,456
30 Sep 24	₹12,295
30 Sep 25	₹13,134

Tata Liquid Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Tata Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 25

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	3.1%
1 Year	6.8%
3 Year	7%
5 Year	5.6%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.3%
2023	7%
2022	4.8%
2021	3.2%
2020	4.3%
2019	6.6%
2018	7.4%
2017	6.7%
2016	7.7%
2015	8.4%

Fund Manager information for Tata Liquid Fund

Name	Since	Tenure
Amit Somani	16 Oct 13	11.88 Yr.
Abhishek Sonthalia	6 Feb 20	5.57 Yr.
Harsh Dave	1 Aug 24	1.08 Yr.

Data below for Tata Liquid Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	99.74%
Other	0.26%

Debt Sector Allocation

Sector	Value
Cash Equivalent	84.27%
Corporate	12.78%
Government	2.69%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
** Treasury Bill 91 Days (04/12/2025) Sovereign Bonds \| -	5%	₹1,250 Cr	126,500,000 ↑ 126,500,000
** - Exim - Cp - 12/12/2025 Net Current Assets \| -	4%	₹1,110 Cr	22,500 ↑ 22,500
** Treasury Bill 91 Days (11/12/2025) Sovereign Bonds \| -	4%	₹987 Cr	100,000,000 ↑ 100,000,000
91 Days Tbill Red 16-10-2025 Sovereign Bonds \| -	4%	₹946 Cr	95,000,000
Reliance Retail Ventures Limited Commercial Paper \| -	4%	₹925 Cr	18,500
** - Pnb Housing Finance Ltd - Cp - 17/11/2025 Net Current Assets \| -	3%	₹742 Cr	15,000
** - Indusind Bank Ltd - Cd - 20/11/2025 Net Current Assets \| -	3%	₹742 Cr	15,000
** - Reliance Retail Ventures Ltd - Cp - 25/11/2025 Net Current Assets \| -	3%	₹643 Cr	13,000
Indian Oil Corporation Ltd. Commercial Paper \| -	2%	₹624 Cr	12,500 ↑ 3,000
Bharti Telecom Limited Commercial Paper \| -	2%	₹621 Cr	12,500

7. Tata Retirement Savings Fund - Conservative

Research Highlights for Tata Retirement Savings Fund - Conservative

Bottom quartile AUM (₹177 Cr).
Established history (13+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 7.46% (upper mid).
3Y return: 8.24% (upper mid).
1Y return: 1.22% (lower mid).
1M return: 0.44% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.78 (bottom quartile).
Information ratio: 0.00 (upper mid).
Top sector: Financial Services.
Higher exposure to Government (bond sector) vs peer median.
High-quality debt (AAA/AA ~100%).
Largest holding 6.79% Govt Stock 2034 (~20.1%).
Top-3 holdings concentration ~37.5%.

Below is the key information for Tata Retirement Savings Fund - Conservative

Tata Retirement Savings Fund - Conservative Growth
Launch Date	1 Nov 11
NAV (01 Oct 25)	₹31.6005 ↑ 0.11 (0.36 %)
Net Assets (Cr)	₹177 on 15 Sep 25
Category	Solutions - Retirement Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	2.18
Sharpe Ratio	-0.79
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-60 Years (1%),60 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹11,391
30 Sep 22	₹11,301
30 Sep 23	₹12,280
30 Sep 24	₹14,159
30 Sep 25	₹14,331

Tata Retirement Savings Fund - Conservative SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹367,070.
Net Profit of ₹67,070 Invest Now

Returns for Tata Retirement Savings Fund - Conservative

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 25

Duration	Returns
1 Month	0.4%
3 Month	-1.4%
6 Month	3.8%
1 Year	1.2%
3 Year	8.2%
5 Year	7.5%
10 Year
15 Year
Since launch	8.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9.9%
2023	12.1%
2022	0.1%
2021	7.6%
2020	11.8%
2019	7.6%
2018	0.8%
2017	15.1%
2016	10.6%
2015	6.4%

Fund Manager information for Tata Retirement Savings Fund - Conservative

Name	Since	Tenure
Murthy Nagarajan	1 Apr 17	8.42 Yr.
Sonam Udasi	1 Apr 16	9.42 Yr.

Data below for Tata Retirement Savings Fund - Conservative as on 15 Sep 25

Asset Allocation

Asset Class	Value
Cash	10.33%
Equity	29.34%
Debt	60.33%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	20%	₹36 Cr	3,500,000
7.17% Govt Stock 2030 Sovereign Bonds \| -	9%	₹16 Cr	1,500,000
7.38% Govt Stock 2027 Sovereign Bonds \| -	9%	₹15 Cr	1,500,000
7.36% Govt Stock 2052 Sovereign Bonds \| -	6%	₹10 Cr	1,000,000
7.27% Govt Stock 2026 Sovereign Bonds \| -	6%	₹10 Cr	1,000,000
Jamnagar Utilities & Power Private Limited Debentures \| -	6%	₹10 Cr	100
8.24% Govt Stock 2027 Sovereign Bonds \| -	3%	₹5 Cr	500,000
Bharti Telecom Limited Debentures \| -	3%	₹5 Cr	50
8.2% Govt Stock 2025 Sovereign Bonds \| -	3%	₹5 Cr	500,000
** 07.73 % Shivshakti Securitisation Trust - 28/09/2029 Debentures \| -	3%	₹5 Cr	05 ↑ 05

8. Tata Money Market Fund

(Erstwhile Tata Liquid Fund)

To create a highly liquid portfolio of good quality debt as well as money market instruments so as to provide reasonable returns and high liquidity to the unitholders.

Research Highlights for Tata Money Market Fund

Highest AUM (₹38,965 Cr).
Established history (22+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.72% (top quartile).
1M return: 0.51% (lower mid).
Sharpe: 3.08 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.22% (upper mid).
Modified duration: 0.45 yrs (lower mid).
Average maturity: 0.45 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~84%).
High-quality debt (AAA/AA ~100%).
Largest holding 182 Days Tbill Red 28-05-2026 (~2.5%).

Below is the key information for Tata Money Market Fund

Tata Money Market Fund Growth
Launch Date	22 May 03
NAV (01 Oct 25)	₹4,806.44 ↑ 1.45 (0.03 %)
Net Assets (Cr)	₹38,965 on 31 Aug 25
Category	Debt - Money Market
AMC	Tata Asset Management Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.44
Sharpe Ratio	3.08
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.22%
Effective Maturity	5 Months 12 Days
Modified Duration	5 Months 12 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,408
30 Sep 22	₹10,827
30 Sep 23	₹11,614
30 Sep 24	₹12,506
30 Sep 25	₹13,472

Tata Money Market Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Tata Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.7%
1 Year	7.7%
3 Year	7.6%
5 Year	6.1%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	7.4%
2022	4.8%
2021	3.9%
2020	6.4%
2019	8.1%
2018	-0.1%
2017	6.7%
2016	7.6%
2015	8.3%

Fund Manager information for Tata Money Market Fund

Name	Since	Tenure
Amit Somani	16 Oct 13	11.88 Yr.

Data below for Tata Money Market Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	84.09%
Debt	15.67%
Other	0.23%

Debt Sector Allocation

Sector	Value
Corporate	40.6%
Cash Equivalent	36.46%
Government	22.71%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
182 Days Tbill Red 28-05-2026 Sovereign Bonds \| -	2%	₹961 Cr	97,500,000
364 DTB 19mar2026 Sovereign Bonds \| -	2%	₹856 Cr	88,000,000
91 Days Tbill Red 30-10-2025 Sovereign Bonds \| -	2%	₹735 Cr	74,000,000 ↑ 6,500,000
India (Republic of) - \| -	2%	₹675 Cr	69,500,000 ↑ 69,500,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	1%	₹489 Cr	10,000
India (Republic of) - \| -	1%	₹442 Cr	45,000,000
08.30 RJ Sdl 2026 Sovereign Bonds \| -	1%	₹428 Cr	42,500,000
India (Republic of) - \| -	1%	₹390 Cr	39,500,000
5.63% Govt Stock 2026 Sovereign Bonds \| -	1%	₹315 Cr	31,500,000 ↓ -115,000,000
HDFC Bank Ltd. Debentures \| -	1%	₹218 Cr	4,500

9. TATA Short Term Bond Fund

To create a liquid portfolio of debt as well as Money Market Instruments so as to provide reasonable returns and liquidity to the Unitholders.

Research Highlights for TATA Short Term Bond Fund

Upper mid AUM (₹3,413 Cr).
Established history (23+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.02% (upper mid).
1M return: 0.55% (upper mid).
Sharpe: 0.57 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.82% (top quartile).
Modified duration: 2.69 yrs (bottom quartile).
Average maturity: 3.41 yrs (bottom quartile).
Exit load: NIL.
Top sector: Industrials.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~82%).
High-quality debt (AAA/AA ~100%).
Largest holding National Housing Bank (~7.4%).

Below is the key information for TATA Short Term Bond Fund

TATA Short Term Bond Fund Growth
Launch Date	8 Aug 02
NAV (01 Oct 25)	₹48.5119 ↑ 0.05 (0.11 %)
Net Assets (Cr)	₹3,413 on 15 Sep 25
Category	Debt - Short term Bond
AMC	Tata Asset Management Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	1.2
Sharpe Ratio	0.57
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.82%
Effective Maturity	3 Years 4 Months 28 Days
Modified Duration	2 Years 8 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,425
30 Sep 22	₹10,624
30 Sep 23	₹11,318
30 Sep 24	₹12,176
30 Sep 25	₹13,031

TATA Short Term Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for TATA Short Term Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 25

Duration	Returns
1 Month	0.5%
3 Month	0.9%
6 Month	3.2%
1 Year	7%
3 Year	7%
5 Year	5.4%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.4%
2023	6.8%
2022	2.9%
2021	2.5%
2020	9.8%
2019	9%
2018	-0.2%
2017	5.6%
2016	9.2%
2015	8.2%

Fund Manager information for TATA Short Term Bond Fund

Name	Since	Tenure
Amit Somani	11 Jun 25	0.22 Yr.
Abhishek Sonthalia	6 Feb 20	5.57 Yr.

Data below for TATA Short Term Bond Fund as on 15 Sep 25

Asset Allocation

Asset Class	Value
Cash	17.73%
Equity	0.03%
Debt	81.95%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	52.68%
Government	36.44%
Cash Equivalent	10.57%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Housing Bank Debentures \| -	7%	₹254 Cr	25,000
7.32% Govt Stock 2030 Sovereign Bonds \| -	7%	₹229 Cr	22,000,000
07.11 GJ Sdl 2031 Sovereign Bonds \| -	5%	₹166 Cr	16,500,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹152 Cr	15,000
Bharti Telecom Limited Debentures \| -	4%	₹128 Cr	12,500
Indian Railway Finance Corporation Limited Debentures \| -	4%	₹120 Cr	1,180 ↑ 1,180
Small Industries Development Bank Of India Debentures \| -	3%	₹103 Cr	10,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹102 Cr	10,000
Power Finance Corporation Limited Debentures \| -	3%	₹101 Cr	1,000
Bajaj Housing Finance Limited Debentures \| -	3%	₹101 Cr	10,000 ↑ 5,000

10. TATA Gilt Securities Fund

To generate risk-free return and thus provide medium to long term capital gains and income distribution to its Unitholders, while at all times emphasising the importance of capital preservation.

Research Highlights for TATA Gilt Securities Fund

Bottom quartile AUM (₹1,318 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
1Y return: 5.05% (upper mid).
1M return: 1.58% (upper mid).
Sharpe: -0.36 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.25% (top quartile).
Modified duration: 10.77 yrs (bottom quartile).
Average maturity: 26.45 yrs (bottom quartile).
Exit load: 0-180 Days (0.5%),180 Days and above(NIL).
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.09% Govt Stock 2054 (~24.3%).
Top-3 holdings concentration ~55.8%.

Below is the key information for TATA Gilt Securities Fund

TATA Gilt Securities Fund Growth
Launch Date	6 Sep 99
NAV (01 Oct 25)	₹78.4357 ↑ 0.45 (0.58 %)
Net Assets (Cr)	₹1,318 on 31 Aug 25
Category	Debt - Government Bond
AMC	Tata Asset Management Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.48
Sharpe Ratio	-0.36
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-180 Days (0.5%),180 Days and above(NIL)
Yield to Maturity	7.25%
Effective Maturity	26 Years 5 Months 12 Days
Modified Duration	10 Years 9 Months 7 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,314
30 Sep 22	₹10,487
30 Sep 23	₹11,172
30 Sep 24	₹12,178
30 Sep 25	₹12,792

TATA Gilt Securities Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for TATA Gilt Securities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 25

Duration	Returns
1 Month	1.6%
3 Month	-0.5%
6 Month	1.2%
1 Year	5%
3 Year	6.8%
5 Year	5%
10 Year
15 Year
Since launch	8.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.3%
2023	7.5%
2022	2.4%
2021	0.8%
2020	9.9%
2019	9.7%
2018	4.9%
2017	2.7%
2016	13.4%
2015	5.9%

Fund Manager information for TATA Gilt Securities Fund

Name	Since	Tenure
Akhil Mittal	1 Mar 22	3.5 Yr.

Data below for TATA Gilt Securities Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	2.98%
Debt	97.02%

Debt Sector Allocation

Sector	Value
Government	97.02%
Cash Equivalent	2.98%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.09% Govt Stock 2054 Sovereign Bonds \| -	24%	₹320 Cr	32,500,000 ↓ -17,500,000
6.9% Govt Stock 2065 Sovereign Bonds \| -	16%	₹214 Cr	22,500,000 ↓ -2,500,000
6.92% Govt Stock 2039 Sovereign Bonds \| -	15%	₹201 Cr	20,000,000 ↓ -500,000
6.33% Govt Stock 2035 Sovereign Bonds \| -	11%	₹148 Cr	15,000,000 ↑ 10,500,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	8%	₹101 Cr	10,000,000
7.09% Govt Stock 2074 Sovereign Bonds \| -	7%	₹97 Cr	10,000,000 ↑ 9,000,000
Andhra Pradesh (Government of) 6.84% - \| -	7%	₹95 Cr	10,000,000
7.24% Govt Stock 2055 Sovereign Bonds \| -	4%	₹50 Cr	5,000,000 ↑ 5,000,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	2%	₹26 Cr	2,500,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	2%	₹26 Cr	2,500,000

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