TATA Ethical Fund

TATA Ethical Fund is an open-ended equity fund, which the main objective is to provide medium to long-term investment returns along with the benefit of capital appreciation. This fund majorly invests in a diversified equity portfolio based on the principles of Shariah. As equity oriented fund, TATA Ethical Fund offers a higher return in the long-term, however, the risk quotient is also high.

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Launched in 1996 on May 24 the fund has an expense ratio of 2.45% and the total asset under management (AUM) is Rs. 802 crore.  Let’s read further to know in detail about TATA Ethical Fund.

Who Should Invest?

This fund is best suitable for investors who have a high-risk appetite and who want to gain long-term capital appreciation along with the benefit of high return. Under this fund, the investment is predominantly made in equity and equity-related securities of Shariah principals complaints companies and other instruments allowed under Shariah principles.

Fund Details

Risk

Very High

Min SIP Amount

Rs 500

Expense Ratio

2.45%

NAV

Rs 227.53 ( 05 May 2021)

Fund Started

24 May  1996

Fund Size

Rs 802 Cr

Options

Dividend

Growth

Schemes

Dividend

Growth

Direct Dividend

Direct Growth

Plan Option

Regular Plan

Direct Plan

Minimum Investment Amount

Purchase- Rs 5000/-

Additional Purchase- Rs 1000/-

 

Redemption Amt/Units

Rs500/- or 50 units

Entry Load

N/A

Exit load

1% if redeemed on or before 365 days from the date of allotment.

 The TATA Ethical Fund also offers the option of Systematic Investment Plan (SIP), Systematic Withdrawal Plan (SWP), and Systematic Transfer Plan (STP). Here are the details of it.

Systematic Investment Plan (SIP)

Frequency

Instalments

Min Amt

Monthly/ weekly/ Daily

12

Rs 150/-

Monthly

6

Rs 1000/-

Quaterly

6

Rs 1000/-

4

Rs 1500/-

 

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Systematic Withdrawal Plan (SWP)

Available

Yes

Frequency

Monthy/ Quaterly

Minimum Withdrawal

Rs 500/-

 Systematic Transfer plan is available undder the fund. There is no minimum amount required in case the unitholder is opting for all units switch.

TATA Ethical Fund Returns

Period of Investment

Absolute Return

Annualized Returns

Category Average Return

1 year

58.91%

58.91%

64.88%

2 years

46.56%

20.97%

16.38%

3 years

41.03%

12.12%

10.02%

5 years

83.14%

12.86%

13.80%

10 years

251.11%

13.37%

11.64%

SIP Returns

Period of Investment

Absolute Return

Annualized Returns

1 year

26.57%

52.8%

2 years

36.46%

33.1%

3 years

40.02%

23.13%

5 years

48.61%

15.85%

10 years

110.06%

14.2%

Pros and Cons of TATA Ethical Fund

Let’s take a look at the pros and cons of the TATA Ethical Fund.

Pros

  • TATA Ethical Fund has been in the market for more than 10 years.
  • 3 years returns are higher than the category average returns.
  • 5 years returns and 10 years returns are higher than the category average returns.

Cons

  • The fund has a higher expense ratio of 2.45%
  • 1-year returns are lower than the category average returns.

Tax Implication

If investors redeem the fund before 1 year, then returns are taxed at 15%. After completion of 1 year, the investors are required to pay Long Term Capital Gain Tax (LTCG) of 10%  on return of Rs 1 lakh and above in a financial year.

TATA Ethical Fund Details

Launched by TATA Mutual Fund in year 1996, the scheme was made available to the investors on 24th May 1996. Currently, the TATA Ethical Fund is managed by Mr Pradeep Gokhale and has an AUM of Rs 802 crore. The latest NAV of the scheme is Rs 227.53 as of 5th May 2021.  

As an equity-oriented fund, TATA Ethical Fund includes high risk. The investors can invest in this fund either through the process of SIP by investing a minimum amount of Rs 500 per month or can make a minimum lump-sum investment of Rs 5000. 1% redemption cost is charged within 365 days for units in excess of 12% of the investment.

TATA Ethical Fund Direct-Growth

TATA Ethical Direct Plan-Growth is a thematic mutual fund scheme offered by TATA Mutual Fund.  Launched on 01/01/2013 TATA Ethical Fund Direct-Growth has an AUM (Asset Under Management) of 62077Cr as of 31/03/2021. This is a medium-size fund of its category. As compared to the other thematic fund charge, the TATA Ethical Fund Direct-Growth has an expense ratio of 1.28%. Since its inception, the fund has delivered an average annual return of 15.63%. The fund has doubled the money invested in it every 5 years.

As compared to the other funds in the same category, the TATA Ethical Fund Direct-Growth can deliver returns consistently. The fund majorly invests in engineering, technology, FMCG, Chemicals, Construction sectors. As compared to the other funds in the category, it has taken less exposure in engineering sectors and technology. The top 5 holdings of TATA ethical fund direct growth are in TATA Consultancy Services Ltd., Infosys Ltd., Ambuja Cement Ltd., HDL Technologies Ltd., TATA Global Beverages Ltd.

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