2022 కోసం టాప్ 10 ఉత్తమ టాటా మ్యూచువల్ ఫండ్ పథకాలు

Updated on November 25, 2025 , 48640 views

భారతదేశంలోని అత్యంత విలువైన బ్రాండ్‌లలో ఒకదానితో సహా,టాటా మ్యూచువల్ ఫండ్ స్థిరమైన పనితీరు మరియు ప్రపంచ స్థాయి సేవతో పెట్టుబడిదారుల విశ్వాసాన్ని పొందింది. ఒక దూకుడు నుండి కుడిపెట్టుబడిదారుడు ఒక సంప్రదాయవాదికిరాజధాని బిల్డర్, ఒక వ్యాపారవేత్త లేదా జీతం తీసుకునే ప్రొఫెషనల్, టాటామ్యూచువల్ ఫండ్ ప్రతి వినియోగదారునికి పెట్టుబడి ఎంపికను అందిస్తుంది.

దిAMC స్థిరమైన దీర్ఘకాలిక ఫలితాలను కోరుకోవడం లక్ష్యంగా పెట్టుకుంది. నెరవేర్చడానికిఆర్థిక లక్ష్యాలు పెట్టుబడిదారులలో, ఫండ్ హౌస్ విభిన్న లక్ష్య-ఆధారిత నిధులను అందిస్తుంది. పెట్టుబడిదారులు ఈక్విటీ, డెట్, బ్యాలెన్స్‌డ్ వంటి వివిధ పథకాలలో పెట్టుబడి పెట్టవచ్చు.లిక్విడ్ ఫండ్స్, పన్ను ఆదా, మొదలైనవి. పెట్టుబడి పెట్టడానికి ప్లాన్ చేస్తున్న వ్యక్తి దిగువ జాబితా చేయబడిన టాప్ 10 ఉత్తమ టాటా మ్యూచువల్ ఫండ్ పథకాల నుండి ఫండ్‌ను ఎంచుకోవచ్చు.

AUM వంటి నిర్దిష్ట పారామితులను చేపట్టడం ద్వారా ఈ నిధులు షార్ట్‌లిస్ట్ చేయబడ్డాయి,కాదు, గత ప్రదర్శనలు, పీర్ సగటు రాబడి మొదలైనవి.

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టాటా మ్యూచువల్ ఫండ్‌లో ఎందుకు పెట్టుబడి పెట్టాలి?

టాటా అనే పేరు భారీ విలువ, నమ్మకం మరియు విశ్వసనీయతతో వస్తుంది. ఇది దేశంలో అధిక ఈక్విటీని కలిగి ఉంది.
ఫండ్ మేనేజ్‌మెంట్‌తో పాటు, టాటా మ్యూచువల్ ఫండ్ నిపుణులైన ఆర్థిక సేవలను అందిస్తుంది. సంస్థ యొక్క నమ్మకం మరియు స్థిరమైన రికార్డు ద్వారా పెట్టుబడిదారులు ఆకర్షితులవుతారు.
కంపెనీ పనితీరు పెట్టుబడిదారులలో తమ డబ్బు భద్రతపై విశ్వాసాన్ని సృష్టించింది. అధిక రిస్క్‌లు ఉన్నప్పటికీ, డబ్బు తప్పుగా నిర్వహించబడదని పెట్టుబడిదారులకు బలమైన నమ్మకం ఉంది.
కాల వ్యవధిలో క్రమంగా సంపద సృష్టికి ఇది మంచి ఎంపిక.

ఉత్తమ టాటా మ్యూచువల్ ఫండ్ పథకాలు

Fund	NAV	Net Assets (Cr)	Min Investment	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	Since launch (%)	2024 (%)
Tata India Tax Savings Fund Growth	₹46.3904 ↓ -0.03	₹4,717	500	500	7	6.9	4.9	15.3	18.2	14.8	19.5
Tata Retirement Savings Fund-Moderate Growth	₹65.5733 ↓ -0.12	₹2,180	5,000	150	3	3.6	2.7	14.7	13.8	14.3	19.5
Tata Equity PE Fund Growth	₹362.427 ↓ -1.11	₹8,882	5,000	150	7.1	6.8	2.3	19.3	19.8	18.3	21.7
Tata Retirement Savings Fund - Progressive Growth	₹66.2089 ↓ -0.09	₹2,117	5,000	150	2.7	2.9	0.9	15.6	14.6	14.4	21.7
Tata Treasury Advantage Fund Growth	₹4,035.13 ↑ 0.65	₹3,357	5,000	500	1.6	3.1	7.4	7.2	5.8	7.1	7.4
Tata Liquid Fund Growth	₹4,209.41 ↑ 0.62	₹22,366	5,000	500	1.4	2.9	6.6	7	5.7	7	7.3
Tata Retirement Savings Fund - Conservative Growth	₹32.1052 ↓ -0.02	₹175	5,000	500	2	2	4.2	8.5	7.1	8.6	9.9
Tata Money Market Fund Growth	₹4,851.33 ↑ 0.88	₹38,053	5,000	500	1.5	3.2	7.5	7.6	6.2	6.8	7.7
TATA Short Term Bond Fund Growth	₹48.997 ↑ 0.00	₹3,436	5,000	500	1.7	2.1	7.3	7.1	5.3	7.1	7.4
TATA Large Cap Fund Growth	₹525.138 ↓ -0.10	₹2,790	5,000	150	6.4	6	6.5	14.5	17.8	18.8	12.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Nov 25

Research Highlights & Commentary of 10 Funds showcased

Commentary	Tata India Tax Savings Fund	Tata Retirement Savings Fund-Moderate	Tata Equity PE Fund	Tata Retirement Savings Fund - Progressive	Tata Treasury Advantage Fund	Tata Liquid Fund	Tata Retirement Savings Fund - Conservative	Tata Money Market Fund	TATA Short Term Bond Fund	TATA Large Cap Fund
Point 1	Upper mid AUM (₹4,717 Cr).	Bottom quartile AUM (₹2,180 Cr).	Upper mid AUM (₹8,882 Cr).	Bottom quartile AUM (₹2,117 Cr).	Lower mid AUM (₹3,357 Cr).	Top quartile AUM (₹22,366 Cr).	Bottom quartile AUM (₹175 Cr).	Highest AUM (₹38,053 Cr).	Upper mid AUM (₹3,436 Cr).	Lower mid AUM (₹2,790 Cr).
Point 2	Established history (11+ yrs).	Established history (14+ yrs).	Established history (21+ yrs).	Established history (14+ yrs).	Established history (20+ yrs).	Established history (21+ yrs).	Established history (14+ yrs).	Established history (22+ yrs).	Established history (23+ yrs).	Oldest track record among peers (27 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: Moderately High.
Point 5	5Y return: 18.16% (top quartile).	5Y return: 13.82% (upper mid).	5Y return: 19.79% (top quartile).	5Y return: 14.62% (upper mid).	1Y return: 7.40% (top quartile).	1Y return: 6.62% (upper mid).	5Y return: 7.08% (lower mid).	1Y return: 7.55% (top quartile).	1Y return: 7.34% (upper mid).	5Y return: 17.78% (upper mid).
Point 6	3Y return: 15.28% (upper mid).	3Y return: 14.73% (upper mid).	3Y return: 19.30% (top quartile).	3Y return: 15.60% (top quartile).	1M return: 0.54% (upper mid).	1M return: 0.49% (lower mid).	3Y return: 8.49% (lower mid).	1M return: 0.53% (upper mid).	1M return: 0.49% (lower mid).	3Y return: 14.54% (upper mid).
Point 7	1Y return: 4.94% (lower mid).	1Y return: 2.66% (bottom quartile).	1Y return: 2.34% (bottom quartile).	1Y return: 0.90% (bottom quartile).	Sharpe: 1.92 (upper mid).	Sharpe: 2.83 (top quartile).	1Y return: 4.21% (lower mid).	Sharpe: 2.79 (top quartile).	Sharpe: 0.67 (upper mid).	1Y return: 6.49% (upper mid).
Point 8	Alpha: -2.94 (bottom quartile).	1M return: -0.09% (bottom quartile).	Alpha: -5.82 (bottom quartile).	1M return: -0.27% (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	1M return: 0.23% (bottom quartile).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Alpha: -0.86 (lower mid).
Point 9	Sharpe: -0.18 (lower mid).	Alpha: 0.00 (top quartile).	Sharpe: -0.35 (bottom quartile).	Alpha: -4.72 (bottom quartile).	Yield to maturity (debt): 6.44% (upper mid).	Yield to maturity (debt): 6.09% (upper mid).	Alpha: 0.00 (upper mid).	Yield to maturity (debt): 6.28% (upper mid).	Yield to maturity (debt): 6.85% (top quartile).	Sharpe: 0.00 (upper mid).
Point 10	Information ratio: -0.35 (bottom quartile).	Sharpe: -0.20 (lower mid).	Information ratio: 0.81 (top quartile).	Sharpe: -0.26 (bottom quartile).	Modified duration: 0.91 yrs (bottom quartile).	Modified duration: 0.17 yrs (lower mid).	Sharpe: -0.40 (bottom quartile).	Modified duration: 0.44 yrs (lower mid).	Modified duration: 2.88 yrs (bottom quartile).	Information ratio: 0.37 (top quartile).

Tata India Tax Savings Fund

Upper mid AUM (₹4,717 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 18.16% (top quartile).
3Y return: 15.28% (upper mid).
1Y return: 4.94% (lower mid).
Alpha: -2.94 (bottom quartile).
Sharpe: -0.18 (lower mid).
Information ratio: -0.35 (bottom quartile).

Tata Retirement Savings Fund-Moderate

Bottom quartile AUM (₹2,180 Cr).
Established history (14+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderately High.
5Y return: 13.82% (upper mid).
3Y return: 14.73% (upper mid).
1Y return: 2.66% (bottom quartile).
1M return: -0.09% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: -0.20 (lower mid).

Tata Equity PE Fund

Upper mid AUM (₹8,882 Cr).
Established history (21+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 19.79% (top quartile).
3Y return: 19.30% (top quartile).
1Y return: 2.34% (bottom quartile).
Alpha: -5.82 (bottom quartile).
Sharpe: -0.35 (bottom quartile).
Information ratio: 0.81 (top quartile).

Tata Retirement Savings Fund - Progressive

Bottom quartile AUM (₹2,117 Cr).
Established history (14+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 14.62% (upper mid).
3Y return: 15.60% (top quartile).
1Y return: 0.90% (bottom quartile).
1M return: -0.27% (bottom quartile).
Alpha: -4.72 (bottom quartile).
Sharpe: -0.26 (bottom quartile).

Tata Treasury Advantage Fund

Lower mid AUM (₹3,357 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.40% (top quartile).
1M return: 0.54% (upper mid).
Sharpe: 1.92 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.44% (upper mid).
Modified duration: 0.91 yrs (bottom quartile).

Tata Liquid Fund

Top quartile AUM (₹22,366 Cr).
Established history (21+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 6.62% (upper mid).
1M return: 0.49% (lower mid).
Sharpe: 2.83 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.09% (upper mid).
Modified duration: 0.17 yrs (lower mid).

Tata Retirement Savings Fund - Conservative

Bottom quartile AUM (₹175 Cr).
Established history (14+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 7.08% (lower mid).
3Y return: 8.49% (lower mid).
1Y return: 4.21% (lower mid).
1M return: 0.23% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.40 (bottom quartile).

Tata Money Market Fund

Highest AUM (₹38,053 Cr).
Established history (22+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.55% (top quartile).
1M return: 0.53% (upper mid).
Sharpe: 2.79 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.28% (upper mid).
Modified duration: 0.44 yrs (lower mid).

TATA Short Term Bond Fund

Upper mid AUM (₹3,436 Cr).
Established history (23+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.34% (upper mid).
1M return: 0.49% (lower mid).
Sharpe: 0.67 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.85% (top quartile).
Modified duration: 2.88 yrs (bottom quartile).

TATA Large Cap Fund

Lower mid AUM (₹2,790 Cr).
Oldest track record among peers (27 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.78% (upper mid).
3Y return: 14.54% (upper mid).
1Y return: 6.49% (upper mid).
Alpha: -0.86 (lower mid).
Sharpe: 0.00 (upper mid).
Information ratio: 0.37 (top quartile).

1. 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 (₹4,717 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 18.16% (top quartile).
3Y return: 15.28% (upper mid).
1Y return: 4.94% (lower mid).
Alpha: -2.94 (bottom quartile).
Sharpe: -0.18 (lower mid).
Information ratio: -0.35 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding HDFC Bank Ltd (~7.2%).

Below is the key information for Tata India Tax Savings Fund

Tata India Tax Savings Fund Growth
Launch Date	13 Oct 14
NAV (27 Nov 25)	₹46.3904 ↓ -0.03 (-0.06 %)
Net Assets (Cr)	₹4,717 on 31 Oct 25
Category	Equity - ELSS
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	-0.18
Information Ratio	-0.35
Alpha Ratio	-2.94
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹15,587
31 Oct 22	₹16,344
31 Oct 23	₹17,842
31 Oct 24	₹24,487
31 Oct 25	₹25,083

Tata India Tax Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656 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 27 Nov 25

Duration	Returns
1 Month	1.4%
3 Month	7%
6 Month	6.9%
1 Year	4.9%
3 Year	15.3%
5 Year	18.2%
10 Year
15 Year
Since launch	14.8%

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
Sailesh Jain	16 Dec 21	3.88 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	34.31%
Industrials	15.33%
Consumer Cyclical	13.04%
Basic Materials	7.32%
Technology	6.25%
Energy	5.45%
Communication Services	4.41%
Health Care	3.39%
Real Estate	2.54%
Utility	2.47%
Consumer Defensive	1.85%

Asset Allocation

Asset Class	Value
Cash	3.22%
Equity	96.78%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 10 \| HDFCBANK	7%	₹341 Cr	3,450,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 16 \| ICICIBANK	6%	₹286 Cr	2,125,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 18 \| RELIANCE	4%	₹201 Cr	1,350,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Sep 19 \| BHARTIARTL	4%	₹193 Cr	940,000
State Bank of India (Financial Services) Equity, Since 30 Nov 18 \| SBIN	4%	₹191 Cr	2,040,000
Infosys Ltd (Technology) Equity, Since 30 Sep 18 \| INFY	4%	₹172 Cr	1,160,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Aug 18 \| 532215	3%	₹160 Cr	1,300,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 16 \| LT	3%	₹142 Cr	352,147
NTPC Ltd (Utilities) Equity, Since 30 Jun 21 \| 532555	2%	₹116 Cr	3,451,000
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Mar 22 \| 500034	2%	₹112 Cr	1,070,000

2. 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

Bottom quartile AUM (₹2,180 Cr).
Established history (14+ yrs).
Rating: 5★ (top quartile).
Risk profile: Moderately High.
5Y return: 13.82% (upper mid).
3Y return: 14.73% (upper mid).
1Y return: 2.66% (bottom quartile).
1M return: -0.09% (bottom quartile).
Alpha: 0.00 (top quartile).
Sharpe: -0.20 (lower mid).
Information ratio: 0.00 (upper mid).
Top sector: Financial Services.
Top bond sector: Government.
Equity-heavy allocation (~83%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.79% Govt Stock 2034 (~5.8%).

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

Tata Retirement Savings Fund-Moderate Growth
Launch Date	1 Nov 11
NAV (27 Nov 25)	₹65.5733 ↓ -0.12 (-0.19 %)
Net Assets (Cr)	₹2,180 on 31 Oct 25
Category	Solutions - Retirement Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	2.02
Sharpe Ratio	-0.2
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
31 Oct 20	₹10,000
31 Oct 21	₹13,512
31 Oct 22	₹13,415
31 Oct 23	₹14,947
31 Oct 24	₹19,631
31 Oct 25	₹20,104

Tata Retirement Savings Fund-Moderate SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 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 27 Nov 25

Duration	Returns
1 Month	-0.1%
3 Month	3%
6 Month	3.6%
1 Year	2.7%
3 Year	14.7%
5 Year	13.8%
10 Year
15 Year
Since launch	14.3%

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	8.59 Yr.
Sonam Udasi	1 Apr 16	9.59 Yr.

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

Asset Allocation

Asset Class	Value
Cash	2.8%
Equity	83.3%
Debt	13.9%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	6%	₹127 Cr	12,500,000
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 11 \| HDFCBANK	5%	₹120 Cr	1,214,000
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 18 \| RELIANCE	4%	₹91 Cr	612,000 ↑ 18,000
Radico Khaitan Ltd (Consumer Defensive) Equity, Since 30 Nov 17 \| RADICO	4%	₹83 Cr	266,500
Solar Industries India Ltd (Basic Materials) Equity, Since 31 Oct 22 \| SOLARINDS	4%	₹77 Cr	55,455
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Mar 24 \| 543320	4%	₹77 Cr	2,412,000
BSE Ltd (Financial Services) Equity, Since 31 May 24 \| BSE	3%	₹74 Cr	297,000
ITC Ltd (Consumer Defensive) Equity, Since 30 Apr 18 \| ITC	3%	₹68 Cr	1,620,000 ↑ 7,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Aug 20 \| TCS	3%	₹65 Cr	211,500
Nippon Life India Asset Management Ltd Ordinary Shares (Financial Services) Equity, Since 31 Jan 25 \| NAM-INDIA	2%	₹46 Cr	531,000

3. 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 (₹8,882 Cr).
Established history (21+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 19.79% (top quartile).
3Y return: 19.30% (top quartile).
1Y return: 2.34% (bottom quartile).
Alpha: -5.82 (bottom quartile).
Sharpe: -0.35 (bottom quartile).
Information ratio: 0.81 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding HDFC Bank Ltd (~7.5%).

Below is the key information for Tata Equity PE Fund

Tata Equity PE Fund Growth
Launch Date	29 Jun 04
NAV (27 Nov 25)	₹362.427 ↓ -1.11 (-0.30 %)
Net Assets (Cr)	₹8,882 on 31 Oct 25
Category	Equity - Value
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.79
Sharpe Ratio	-0.35
Information Ratio	0.81
Alpha Ratio	-5.82
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
31 Oct 20	₹10,000
31 Oct 21	₹14,819
31 Oct 22	₹15,465
31 Oct 23	₹18,059
31 Oct 24	₹26,395
31 Oct 25	₹26,254

Tata Equity PE 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 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 27 Nov 25

Duration	Returns
1 Month	0.9%
3 Month	7.1%
6 Month	6.8%
1 Year	2.3%
3 Year	19.3%
5 Year	19.8%
10 Year
15 Year
Since launch	18.3%

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	9.59 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	38.59%
Consumer Cyclical	12.86%
Consumer Defensive	10.34%
Energy	9.55%
Technology	6.92%
Industrials	5.02%
Utility	4.5%
Communication Services	3.44%
Basic Materials	2.05%
Health Care	1.3%

Asset Allocation

Asset Class	Value
Cash	5.41%
Equity	94.59%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Jun 18 \| HDFCBANK	7%	₹663 Cr	6,714,000
ITC Ltd (Consumer Defensive) Equity, Since 31 Jul 18 \| ITC	6%	₹518 Cr	12,330,000 ↑ 270,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 24 \| KOTAKBANK	5%	₹486 Cr	2,310,360
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Dec 23 \| 500547	5%	₹478 Cr	13,410,000
Motilal Oswal Financial Services Ltd (Financial Services) Equity, Since 31 Oct 24 \| MOTILALOFS	4%	₹383 Cr	3,915,828 ↑ 97,118
Shriram Finance Ltd (Financial Services) Equity, Since 30 Jun 24 \| SHRIRAMFIN	4%	₹369 Cr	4,923,000
Muthoot Finance Ltd (Financial Services) Equity, Since 30 Apr 23 \| 533398	4%	₹363 Cr	1,143,000 ↓ -180,000
Radico Khaitan Ltd (Consumer Defensive) Equity, Since 30 Nov 17 \| RADICO	4%	₹344 Cr	1,100,000
Hero MotoCorp Ltd (Consumer Cyclical) Equity, Since 31 Jan 22 \| HEROMOTOCO	4%	₹319 Cr	576,000 ↑ 9,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 18 \| ICICIBANK	3%	₹303 Cr	2,250,000 ↑ 180,000

4. Tata Retirement Savings Fund - Progressive

Research Highlights for Tata Retirement Savings Fund - Progressive

Bottom quartile AUM (₹2,117 Cr).
Established history (14+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 14.62% (upper mid).
3Y return: 15.60% (top quartile).
1Y return: 0.90% (bottom quartile).
1M return: -0.27% (bottom quartile).
Alpha: -4.72 (bottom quartile).
Sharpe: -0.26 (bottom quartile).
Information ratio: -0.25 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
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 (27 Nov 25)	₹66.2089 ↓ -0.09 (-0.13 %)
Net Assets (Cr)	₹2,117 on 31 Oct 25
Category	Solutions - Retirement Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	2.02
Sharpe Ratio	-0.26
Information Ratio	-0.25
Alpha Ratio	-4.72
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
31 Oct 20	₹10,000
31 Oct 21	₹14,056
31 Oct 22	₹13,694
31 Oct 23	₹15,338
31 Oct 24	₹20,898
31 Oct 25	₹20,977

Tata Retirement Savings Fund - Progressive 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 - Progressive

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Nov 25

Duration	Returns
1 Month	-0.3%
3 Month	2.7%
6 Month	2.9%
1 Year	0.9%
3 Year	15.6%
5 Year	14.6%
10 Year
15 Year
Since launch	14.4%

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	8.59 Yr.
Sonam Udasi	1 Apr 16	9.59 Yr.

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

Asset Allocation

Asset Class	Value
Cash	3.99%
Equity	96.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 11 \| HDFCBANK	7%	₹138 Cr	1,400,000
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 18 \| RELIANCE	5%	₹104 Cr	702,000 ↑ 18,000
Solar Industries India Ltd (Basic Materials) Equity, Since 31 Oct 22 \| SOLARINDS	4%	₹88 Cr	63,635
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Mar 24 \| 543320	4%	₹86 Cr	2,718,000
BSE Ltd (Financial Services) Equity, Since 31 May 24 \| BSE	4%	₹80 Cr	324,000
ITC Ltd (Consumer Defensive) Equity, Since 30 Apr 18 \| ITC	4%	₹78 Cr	1,863,000 ↑ 10,000
Radico Khaitan Ltd (Consumer Defensive) Equity, Since 30 Nov 17 \| RADICO	4%	₹78 Cr	249,600
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Aug 20 \| TCS	4%	₹74 Cr	243,000
Nippon Life India Asset Management Ltd Ordinary Shares (Financial Services) Equity, Since 31 Jan 25 \| NAM-INDIA	2%	₹53 Cr	603,000
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 30 Apr 25 \| MCX	2%	₹51 Cr	55,452

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 (₹3,357 Cr).
Established history (20+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.40% (top quartile).
1M return: 0.54% (upper mid).
Sharpe: 1.92 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.44% (upper mid).
Modified duration: 0.91 yrs (bottom quartile).
Average maturity: 1.09 yrs (bottom quartile).
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 (~44%).
High-quality debt (AAA/AA ~100%).
Largest holding Dlf Cyber City Developers Ltd (~3.5%).

Below is the key information for Tata Treasury Advantage Fund

Tata Treasury Advantage Fund Growth
Launch Date	6 Sep 05
NAV (27 Nov 25)	₹4,035.13 ↑ 0.65 (0.02 %)
Net Assets (Cr)	₹3,357 on 31 Oct 25
Category	Debt - Low Duration
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.6
Sharpe Ratio	1.92
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.44%
Effective Maturity	1 Year 1 Month 3 Days
Modified Duration	10 Months 28 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,378
31 Oct 22	₹10,759
31 Oct 23	₹11,487
31 Oct 24	₹12,344
31 Oct 25	₹13,254

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 27 Nov 25

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	3.1%
1 Year	7.4%
3 Year	7.2%
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	11.42 Yr.

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

Asset Allocation

Asset Class	Value
Cash	44.28%
Debt	55.46%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	67.53%
Government	17.46%
Cash Equivalent	14.75%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Dlf Cyber City Developers Ltd Debentures \| -	4%	₹125 Cr	12,500 ↑ 12,500
Hdb Financial Services Limited Debentures \| -	3%	₹120 Cr	12,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹101 Cr	10,000 ↓ -5,000
Bajaj Finance Limited Debentures \| -	3%	₹100 Cr	1,000
Bank of Baroda Debentures \| -	3%	₹98 Cr	2,000
HDFC Bank Ltd. Debentures \| -	3%	₹98 Cr	2,000
07.80 KL Sdl 2027 Sovereign Bonds \| -	3%	₹97 Cr	9,500,000
ICICI Home Finance Company Limited Debentures \| -	2%	₹76 Cr	7,500
364 DTB 29012026 Sovereign Bonds \| -	2%	₹74 Cr	7,500,000
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹51 Cr	5,000 ↓ -2,500

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 (₹22,366 Cr).
Established history (21+ yrs).
Rating: 4★ (lower mid).
Risk profile: Low.
1Y return: 6.62% (upper mid).
1M return: 0.49% (lower mid).
Sharpe: 2.83 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.09% (upper mid).
Modified duration: 0.17 yrs (lower mid).
Average maturity: 0.17 yrs (lower 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 Small Industries Development Bank Of India (~7.2%).

Below is the key information for Tata Liquid Fund

Tata Liquid Fund Growth
Launch Date	1 Sep 04
NAV (27 Nov 25)	₹4,209.41 ↑ 0.62 (0.01 %)
Net Assets (Cr)	₹22,366 on 31 Oct 25
Category	Debt - Liquid Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.39
Sharpe Ratio	2.83
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.09%
Effective Maturity	2 Months 2 Days
Modified Duration	2 Months 2 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,312
31 Oct 22	₹10,750
31 Oct 23	₹11,489
31 Oct 24	₹12,333
31 Oct 25	₹13,160

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 27 Nov 25

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	2.9%
1 Year	6.6%
3 Year	7%
5 Year	5.7%
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	12.05 Yr.
Harsh Dave	1 Aug 24	1.25 Yr.

Data below for Tata Liquid Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	99.71%
Other	0.29%

Debt Sector Allocation

Sector	Value
Cash Equivalent	83.41%
Government	9.26%
Corporate	7.04%

Credit Quality

Rating	Value
AA	0.67%
AAA	99.33%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Small Industries Development Bank Of India Commercial Paper \| -	7%	₹1,680 Cr	34,000 ↑ 34,000
** TREASURY BILL 91 DAYS (15/01/2026) Sovereign Bonds \| -	5%	₹1,269 Cr	128,000,000
India (Republic of) - \| -	5%	₹1,172 Cr	117,500,000 ↑ 117,500,000
** - Punjab National Bank - Cd - 12/02/2026 Net Current Assets \| -	4%	₹986 Cr	20,000 ↑ 20,000
India (Republic of) - \| -	4%	₹862 Cr	86,500,000 ↑ 86,500,000
** Treasury Bill 91 Days (23/01/2026) Sovereign Bonds \| -	4%	₹832 Cr	84,000,000 ↑ 84,000,000
Reliance Retail Ventures Limited Commercial Paper \| -	3%	₹649 Cr	13,000 ↑ 13,000
Indian Oil Corporation Limited Commercial Paper \| -	3%	₹647 Cr	13,000 ↑ 13,000
Export-Import Bank Of India Commercial Paper \| -	3%	₹622 Cr	12,500 ↑ 12,500
** - Bank Of India - Cd - 15/12/2025 Net Current Assets \| -	3%	₹597 Cr	12,000 ↓ -4,000

7. Tata Retirement Savings Fund - Conservative

Research Highlights for Tata Retirement Savings Fund - Conservative

Bottom quartile AUM (₹175 Cr).
Established history (14+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 7.08% (lower mid).
3Y return: 8.49% (lower mid).
1Y return: 4.21% (lower mid).
1M return: 0.23% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.40 (bottom quartile).
Information ratio: 0.00 (lower 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 (~20.3%).
Top-3 holdings concentration ~38.0%.

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

Tata Retirement Savings Fund - Conservative Growth
Launch Date	1 Nov 11
NAV (27 Nov 25)	₹32.1052 ↓ -0.02 (-0.05 %)
Net Assets (Cr)	₹175 on 31 Oct 25
Category	Solutions - Retirement Fund
AMC	Tata Asset Management Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	2.18
Sharpe Ratio	-0.4
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
31 Oct 20	₹10,000
31 Oct 21	₹11,236
31 Oct 22	₹11,254
31 Oct 23	₹12,041
31 Oct 24	₹13,813
31 Oct 25	₹14,348

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 27 Nov 25

Duration	Returns
1 Month	0.2%
3 Month	2%
6 Month	2%
1 Year	4.2%
3 Year	8.5%
5 Year	7.1%
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	8.59 Yr.
Sonam Udasi	1 Apr 16	9.59 Yr.

Data below for Tata Retirement Savings Fund - Conservative as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	10.37%
Equity	28.55%
Debt	61.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	20%	₹35 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
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	3%	₹5 Cr	05
Bharti Telecom Limited Debentures \| -	3%	₹5 Cr	50
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 11 \| HDFCBANK	2%	₹4 Cr	36,000

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 (₹38,053 Cr).
Established history (22+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.55% (top quartile).
1M return: 0.53% (upper mid).
Sharpe: 2.79 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.28% (upper mid).
Modified duration: 0.44 yrs (lower mid).
Average maturity: 0.44 yrs (lower mid).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~86%).
High-quality debt (AAA/AA ~100%).
Largest holding 5.63% Govt Stock 2026 (~5.4%).

Below is the key information for Tata Money Market Fund

Tata Money Market Fund Growth
Launch Date	22 May 03
NAV (27 Nov 25)	₹4,851.33 ↑ 0.88 (0.02 %)
Net Assets (Cr)	₹38,053 on 31 Oct 25
Category	Debt - Money Market
AMC	Tata Asset Management Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.44
Sharpe Ratio	2.79
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.28%
Effective Maturity	5 Months 9 Days
Modified Duration	5 Months 9 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,384
31 Oct 22	₹10,830
31 Oct 23	₹11,631
31 Oct 24	₹12,528
31 Oct 25	₹13,481

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 27 Nov 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.2%
1 Year	7.5%
3 Year	7.6%
5 Year	6.2%
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	12.05 Yr.

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

Asset Allocation

Asset Class	Value
Cash	85.99%
Debt	13.78%
Other	0.23%

Debt Sector Allocation

Sector	Value
Cash Equivalent	49.7%
Corporate	29.94%
Government	20.13%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
5.63% Govt Stock 2026 Sovereign Bonds \| -	5%	₹2,161 Cr	216,000,000 ↓ -69,500,000
** Treasury Bill 364 Days (12/11/2026) Sovereign Bonds \| -	4%	₹1,422 Cr	150,000,000 ↑ 150,000,000
364 DTB 19mar2026 Sovereign Bonds \| -	1%	₹491 Cr	50,000,000
182 Days Tbill Red 28-05-2026 Sovereign Bonds \| -	1%	₹383 Cr	38,500,000
India (Republic of) - \| -	1%	₹373 Cr	38,000,000
HDFC Bank Ltd. Debentures \| -	1%	₹220 Cr	4,500
India (Republic of) - \| -	0%	₹197 Cr	20,000,000 ↑ 20,000,000
** Treasury Bill 182 Days (16/04/2026) Sovereign Bonds \| -	0%	₹196 Cr	20,000,000
364 DTB 12022026 Sovereign Bonds \| -	0%	₹192 Cr	19,500,000 ↓ -500,000
The Jammu And Kashmir Bank Limited Debentures \| -	0%	₹145 Cr	3,000

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 (₹3,436 Cr).
Established history (23+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately Low.
1Y return: 7.34% (upper mid).
1M return: 0.49% (lower mid).
Sharpe: 0.67 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.85% (top quartile).
Modified duration: 2.88 yrs (bottom quartile).
Average maturity: 3.76 yrs (bottom quartile).
Exit load: NIL.
Top sector: Industrials.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~89%).
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 (27 Nov 25)	₹48.997 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹3,436 on 31 Oct 25
Category	Debt - Short term Bond
AMC	Tata Asset Management Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	1.2
Sharpe Ratio	0.67
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.85%
Effective Maturity	3 Years 9 Months 4 Days
Modified Duration	2 Years 10 Months 17 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,304
31 Oct 22	₹10,538
31 Oct 23	₹11,225
31 Oct 24	₹12,088
31 Oct 25	₹12,964

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 27 Nov 25

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	2.1%
1 Year	7.3%
3 Year	7.1%
5 Year	5.3%
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	0.39 Yr.

Data below for TATA Short Term Bond Fund as on 31 Oct 25

Asset Allocation

Asset Class	Value
Cash	11.18%
Equity	0.03%
Debt	88.5%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	51.33%
Government	37.17%
Cash Equivalent	11.18%

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%	₹230 Cr	22,000,000
6.48% Govt Stock 2035 Sovereign Bonds \| -	6%	₹215 Cr	21,500,000 ↑ 21,500,000
07.11 GJ Sdl 2031 Sovereign Bonds \| -	5%	₹167 Cr	16,500,000
Bharti Telecom Limited Debentures \| -	4%	₹150 Cr	15,000
Bharti Telecom Limited Debentures \| -	4%	₹128 Cr	12,500
Indian Railway Finance Corporation Limited Debentures \| -	3%	₹120 Cr	1,180
6.68% Govt Stock 2040 Sovereign Bonds \| -	3%	₹103 Cr	10,500,000 ↓ -4,500,000
Small Industries Development Bank Of India Debentures \| -	3%	₹103 Cr	10,000
Power Finance Corporation Limited Debentures \| -	3%	₹102 Cr	1,000

10. TATA Large Cap Fund

To provide income distribution and / or medium to long term capital gains while at all times emphasising the importance of capital appreciation.

Research Highlights for TATA Large Cap Fund

Lower mid AUM (₹2,790 Cr).
Oldest track record among peers (27 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.78% (upper mid).
3Y return: 14.54% (upper mid).
1Y return: 6.49% (upper mid).
Alpha: -0.86 (lower mid).
Sharpe: 0.00 (upper mid).
Information ratio: 0.37 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding HDFC Bank Ltd (~9.1%).

Below is the key information for TATA Large Cap Fund

TATA Large Cap Fund Growth
Launch Date	7 May 98
NAV (27 Nov 25)	₹525.138 ↓ -0.10 (-0.02 %)
Net Assets (Cr)	₹2,790 on 31 Oct 25
Category	Equity - Large Cap
AMC	Tata Asset Management Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.05
Sharpe Ratio	0
Information Ratio	0.37
Alpha Ratio	-0.86
Min Investment	5,000
Min SIP Investment	150
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹16,034
31 Oct 22	₹16,216
31 Oct 23	₹17,444
31 Oct 24	₹23,400
31 Oct 25	₹24,706

TATA Large Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 Invest Now

Returns for TATA Large Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Nov 25

Duration	Returns
1 Month	0.7%
3 Month	6.4%
6 Month	6%
1 Year	6.5%
3 Year	14.5%
5 Year	17.8%
10 Year
15 Year
Since launch	18.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	12.9%
2023	24.5%
2022	3.3%
2021	32.7%
2020	8.3%
2019	12.1%
2018	-3.6%
2017	29.5%
2016	2.9%
2015	1.3%

Fund Manager information for TATA Large Cap Fund

Name	Since	Tenure
Abhinav Sharma	5 Apr 23	2.58 Yr.
Hasmukh Vishariya	1 Mar 25	0.67 Yr.

Data below for TATA Large Cap Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Financial Services	33.58%
Consumer Cyclical	15.72%
Technology	10.91%
Industrials	9.19%
Basic Materials	8.2%
Consumer Defensive	5.95%
Energy	5.59%
Utility	4.57%
Communication Services	2.39%
Health Care	1.08%

Asset Allocation

Asset Class	Value
Cash	2.81%
Equity	97.19%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Apr 07 \| HDFCBANK	9%	₹254 Cr	2,571,900
Reliance Industries Ltd (Energy) Equity, Since 30 Apr 05 \| RELIANCE	6%	₹156 Cr	1,050,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Oct 16 \| KOTAKBANK	5%	₹126 Cr	599,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 11 \| ICICIBANK	4%	₹116 Cr	865,300
Axis Bank Ltd (Financial Services) Equity, Since 31 Aug 18 \| 532215	4%	₹113 Cr	920,000
Infosys Ltd (Technology) Equity, Since 31 Jan 09 \| INFY	4%	₹109 Cr	738,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Dec 20 \| LT	4%	₹109 Cr	270,784
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 May 25 \| MARUTI	4%	₹105 Cr	65,000
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 May 23 \| M&M	4%	₹102 Cr	292,000
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Aug 24 \| 500034	3%	₹94 Cr	900,000

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