Tata Mutual Fund

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TATA Mutual Fund - Introduction:

TATA Mutual Funds cater to the different needs of its investors from all walks of their lives - entrepreneurial, homemakers, salaried, first-timers, retirees, and aggressive risk-takers. TATA MF comes packed with flexible and varying investment schemes laying a strong emphasis on the long-term wealth maximization and firm returns. TATA Mutual Fund Schemes boast of transparency and distinct risk control. Therefore, you’ll find the best-suited plans as per your preferences and needs no matter what your investment profile is.

Key Features of Tata Mutual Funds

TATA MF comes packed with several salient features. The following are the key features that make Tata Mutual Fund the most preferred fund house of India:


On the basis of the value-based investment methodology, they are able to deliver results consistently. They strive to keep alive the faith of the late dean of their group - Mr J.R.D. Tata, that the funds garnered from the individuals should go back to them.


TATA Mutual Fund offers a wide variety of investment products across versatile asset class, which takes care of the various investment segments. They provide their customers with the flexibility of operations that suits customers’ various investment needs.


They are committed to providing premium service quality. Their main focus is locked on integrity that is a significant prospect of their business that helps them to earn customers’ trust.


The services are the forte of Tata Mutual Fund. They offer a broad range of services keeping in mind the challenges faced by the customers. The aim behind that is to provide a rewarding and fulfilling investing experience with them.

A Premium-Pedigree

TATA fund house is a significant part of the Tata Group - one of India’s most respected and largest industrial groups, which is known well for its business ethics.

Leadership and Trust

The adherence to the ethical values has cemented Tata’s position as a valued leader. The integrity standards followed by the group have set a new benchmark for it. The brand is the blend of leadership and trust.

Top 5 Mutual Funds from Tata Fund House:

TATA Fund House has a wide range of best mutual funds to offer to its investors. Here are 5 best TATA Mutual Funds with their returns:

TATA MF Scheme 5 Year Return 3 Year Return 1 Year Return
TATA India Tax Saving Fund (G) - 10 3.2
TATA Retirement Savings Fund - Moderate (G) 12.6 9.3 -4.5
TATA Equity PE Fund (G) 11.8 10 -7.8
TATA Liquid Fund (G) 7.6 7.1 7.4
TATA Retirement Savings Fund - Progressive (G) 12.8 10.9 -4.8

Types of TATA Mutual Funds:

TATA Mutual Fund comes loaded with different types of funds. They are as follows:

TATA Solution-based Funds

A solution-based fund by TATA Mutual Fund House is based entirely on financial planning. The funds can cater to any need of the investors, which is not restricted to the wedding, education, starting a business, buying a property, or retirement plan to secure their financial future. Under this category, it offers two plans to meet the potential needs of the investors:

Child Savings Plan

Every parent wants to provide a secure future for their children. Two milestones in the life of their children are getting educated and getting married. The following plans are offered by Tata mutual fund under this scheme:

Tata Young Citizens’ Fund

TATA Young Citizens’ Fund ensures that the investors fulfil their children’s wish to study overseas or making their wedding dream come true. This scheme offered by TATA Mutual Fund is a balanced scheme that is open-ended and caters to the children between 3 month and 18 years of age. The investments made in equity-related vehicles, debt-related vehicles, and money market vehicles.

Fund Category TATA Mutual Fund Name 5 Year Return 3 Year Return 1 Year Return
Solution Based Funds TATA Young Citizen’s Fund 7.28 4.49 -4.85

Retirement Solution Plans

Your retirement is a significant phase of your life. In order to live a comfortable and happy life, one must do proper investment planning.

Tata Retirement Saving Fund

This plan is formulated to fulfil the investment needs of various investors on the basis of the stage of their risk and life. This TATA Mutual Fund scheme has three variants namely - Progressive Plan (which involves high risk), Moderate Plan (which involves high risk), and Conservative Plan (which involves moderate risk).

Fund Category TATA Mutual Fund Name 5 Year Return 3 Year Return 1 Year Return
Solution Based Funds TATA Retirement Saving Fund 12.80 10.88 -4.85

With the help of the Auto Switch feature, investors can juggle in between TATA Mutual Fund schemes whenever they reach a certain age, which is necessary for switching between plans. In order to switch from Moderate Plan to any other plan, one has to be 45 years old and to make a shift to the Conservative Plan; one has to be 60 years old.

TATA Equity Funds

With robust potential to produce higher returns, people with high-risk appetite choose equity funds. Equity-based Fund by TATA Mutual Fund keeps the preferences of when, how, and where the investors want to invest their hard-earned money. The table below shows TATA Mutual Fund Results and Performance of Equity Funds:

Fund Category TATA Mutual Fund Name 5 Year Return 3 Year Return 1 Year Return
Large-cap Fund TATA Large-cap Equity Fund 14.87 9.84 7.89
Diversified Equity Funds TATA Equity PE Fund 11.13 9.96 -7.77
TATA Equity Savings Fund 6.11 4.93 4.65
TATA Equity Multi-cap Fund - - -
Sectoral Equity Funds TATA Banking & Financial Services Fund - 14.99 0.84
TATA Ethical Fund 7.51 4.07 -6.30
TATA Digital India Fund - 14.47 0.14
TATA India Pharma and  Healthcare Fund - -2.97 3.06
TATA Infrastructure Fund 8.81 5.88 2.02
TATA India Consumer Fund - 13.79 -12.51
TATA Resource and Energy Fund - 4.06 -4.84
Mid Cap Equity Fund TATA Mid Cap Growth Fund 11.57 7.17 -0.59
Index Funds TATA Index Sensex Fund 8.07 11.13 3.21
TATA Index Nifty Fund 7.99 10.06 1.86
Small Cap Fund TATA Small Cap Fund - - -

TATA Equity Funds are further classified in 9 sub-categories. They are as follows:

Large Cap

Large cap funds offered by TATA Mutual Fund make investments in large corporations and that are lesser volatile, as these are ideal for the investors having a low-risk appetite. Tata Pure Equity Fund concentrates on making the investment in the undervalued and strong big corporations.


This Investment is made in small to large companies. It is suitable for investors who are seeking long-term cap appreciation. This category includes 3 types of Tata mutual funds:

  • Tata Equity P/E Fund - Under this scheme from TATA Mutual Fund, minimum 70 per cent of the share is invested in the equity instruments.
  • Tata Equity Savings Funds - These funds by TATA Mutual Fund are invested in the equity and equity-related vehicles of Shariah principles compliant companies and those allowed under the principle of Shariah.
  • Tata Equity Multi-cap Funds - These funds intend to produce medium to long-term capital growth by making an investment in a diversified portfolio including equity-related and equity instruments.

Sectoral Funds

Sectoral funds by TATA Mutual Fund are restricted to the stocks of a specific sector or industry. Tata Infrastructure Fund is the ideal option for the investors who look forward to the long-term cap appreciation. These funds make investments in the equity and equity-related vehicles of corporations of infrastructure sector of India. It is a highly risky investment scheme. This scheme has the following plans:

  • Tata Banking and Financial Services Funds - These funds intend to look for long-term capital appreciation by making an investment of a minimum of 80 per cent of the net assets in equity and equity-related investment products.
  • Tata Ethical Funds - This scheme by TATA Fund House is an open-ended equity fund scheme that invests in a diversified portfolio depending on the principles of Shariah.
  • Tata Digital India Fund - This is an open-ended equity mutual fund that invests in the Information Technology (IT) Sector. TATA Mutual Fund NAV of this fund is 14.7256 as on July 29, 2019.
  • Tata India Pharma and Healthcare Fund - This scheme is an open-ended equity mutual fund scheme, which largely makes an investment in equity and related products of TATA Mutual Fund.
  • Tata Infrastructure Fund - Tata Infrastructure Mutual Funds are open-ended equity funds that invest in the infrastructure sector. TATA Mutual Funds have been amongst the pioneers in this category.
  • Tata India Consumer India - This is an open-ended equity mutual fund scheme that invests in Consumption Oriented Sectors like textiles, consumer durables and FMCG, automobiles, and media and entertainment.
  • Tata Resource and Energy Funds - These funds are open-ended equity funds that invest in resources and energy sectors of India like paper, fertilizers, chemicals, metals, energy, and cement.

Mid-Cap Funds

Under these TATA mutual fund schemes, the funds are invested in small to medium-scale corporations. The investors can make the investment in the corporations that are not yet recognized by the share market but are eligible to grow and expand.

Tata Mid Cap Equity Fund - It is a highly risky scheme and it is ideal for the investors looking forward to long-term cap appreciation. Tata Mid-Cap Growth Fund is an equity fund that is open-ended.

Index Funds

Index funds by TATA Mutual Fund aspire to multiply the performance of the NSE Nifty or BSE Sensex. It comprises stock that includes the index. The returns on investment are lesser equivalent than the index. Tata Index Fund Nifty A reflects NIFTY and makes the investment in the stocks that include CNX NIFTY Index. Tata Index Fund Sensex A mirrors S&P BSE Sensex and makes investments in the stocks that include the index. This is a highly risky investment scheme.

  • Tata Index Sensex Funds - These funds are open-ended equity scheme that tracks S&P BSE Sensex. These funds are passively managed mutual funds.
  • Tata Index Nifty Funds - These funds are open-ended equity scheme that tracks S&P BSE Sensex. These funds are ideal for those who’re seeking an investment in a portfolio that mirrors/reflects the market returns with the least tracking errors.

Small-Cap Funds

Small-cap funds are the plans that predominately invest in the small-cap funds that are in growth mode and have the ability to make it big in the stock market.

Tata Small Cap Funds - These funds are equity schemes that largely invest in small-cap stocks.

Exchange-traded Fund (ETF)

The Exchange-traded Funds are the tradable investment products tracking a commodity, an index, a basket of assets, or bonds just like index funds. ETFs have a unique position in the landscape of investment.

Arbitrage Funds

TATA MF Arbitrage Funds are a kind of equity mutual funds that rides on the mispricing between the spot markets or cash markets on one hand and future or derivative markets on the other.

TATA Tax-Saving Equity (ELSS) Funds

It is an acronym for Equity Linked Saving Scheme Funds. It is a tax saving scheme and has the lowest freezing period of 3 years. The investors can earn cap appreciation on both mid and long-term schemes simultaneously to enjoy tax deductions.

Fund Category TATA Mutual Fund Name 5 Year Return 3 Year Return 1 Year Return
ELSS TATA India Tax Savings Fund 18.16 9.31 1.52

Tata India Tax Saving Fund - This fund is an open-ended equity-linked savings scheme, as it makes the investment in the equity and equity-related vehicles. It has a statutory lock-in period of 3 years tagged along with tax benefits.

TATA Debt Funds

Being an investor if you’re looking for moderate returns on your investment, you may take TATA debt-based funds into consideration.

Fund Category TATA Mutual Fund Name 5 Years Return 3 Years Return 1 Year Return
Liquid Fund TATA Liquid Fund 7.61 7.09 7.42
TATA Money-Market Fund 6.23 4.83 0.72
Short-term Funds TATA Short-term Bond Fund 6.55 4.89 2.56
TATA Treasury Manager Fund 6.81 5.53 2.33
TATA Corporate Bond Fund -4.58 -12.40 -40.55
Income Funds TATA Income Funds 7.70 6.06 9.09
TATA Medium Term Fund 3.96 0.41 -9.09
Dynamic Funds TATA Dynamic Bond Fund 7.96 6.27 8.78
Gilt Funds TATA Gilt Securities Fund 9.06 7.52 16.11

Liquid Funds

These investments revolve around short-term money and debt vehicles. It is ideal for investors who look forward to making an investment in the idle saving that gives them liquidity stability and liquidity. Under this category, 2 types of funds are offered by Tata.

  • Tata Liquid Fund - It is suitable for investors who like to make more money as compared to their general savings bank account.
  • Tata Money Market Fund - It is ideal for investors whose risk appetite is low and want minimized risk. These Tata Mutual funds are invested in the money market vehicles.

Short Term Funds

In this Tata mutual fund scheme’s, an investment is made solely in the short-term debt vehicles. Under this category, three types of funds are offered:

  • Tata Short-Term Bond Fund - These funds aspire to add liquidity to the debt portfolio along with money market vehicles. This is the ideal option for investors who are interested in having accrual income.
  • Tata Treasury Manager Fund - This is predominant in the domain of debt and money market. It is ideal for the investors who wish to make investments in the debt vehicles for a short-term and those who don’t want to invest in the government securities.
  • Tata Corporate Bond Fund - This fund scheme is an open-ended debt scheme that largely invests in corporate bonds that are rated AA+ and above.

Income Funds

These funds aspire to generate steady and regular income. These funds have a high average maturity rate. The funds offered under this category are:

  • Tata Income Fund - It is suitable for the investors looking for accrual returns, longer investment period, whose risk appetite is higher and are not afraid of taking risks.
  • Tata Medium Term Funds - These funds are open-ended medium-term debt mutual fund schemes that invest in products like Macaulay Duration of the portfolio is between 3 and 4 years.

Dynamic Bond Funds

These funds make changes in the exposure of both long and short terms, which depends on the anticipated rate of interest.

Tata Dynamic Bond Fund - These funds deal with maturities as per the fund managers’ style. This is the ideal mutual fund option by Tata Mutual Fund for the investors who are interested in fetching an active rate of interest and handling risk management for the investors seeking capital appreciation and accrual income.

Gilt Funds

These funds make investments in government securities. In addition to that, they have minimum credit risk because of the support of the government. There is the following category of Tata mutual funds under this category:

Tata Gilt Securities Fund - It is the ideal option for the investors who look for long-term income along with capital appreciation.

Other Funds

Tata Fixed Income Portfolio Fund - It is suitable for the investors aiming at making investments in the debt funds having various maturities and the investors wanting to make regular investments in the maturities.

TATA Hybrid Funds

These Tata mutual funds make the investment in debt as well as in equity vehicles.

Fund Category TATA Mutual Fund Name 5-year Return 3-year Return 1-year Return
Equity oriented Funds TATA Equity Oriented Funds 9.04 4.62 0.55

Equity oriented Funds

Minimum 65 per cent of the funds are invested in the equity vehicles and the remaining funds are invested in the debt instruments. It is the ideal option for the investors that have a moderate risk appetite. Tata Balanced Fund is suitable for equity as well as for debt market and that too in a solo fund. The investors can have tax deductions from the equity fund.

TATA Equity Oriented Funds - Equity-oriented funds offered by TATA Mutual Fund are open-ended hybrid mutual funds that invest largely in equity and related products. These funds intend to look for a combination of debt and equity investments that optimize the returns.

Debt oriented Funds

Majorly, these funds by TATA Mutual Fund make the investment in debt vehicles and the remainder is invested in the equities. These funds are suitable for the investors who have a low-risk appetite and they want to minimize their risk level. In this category, two types of funds are offered:

TATA Close-ended Funds

TATA Mutual Fund offers closed-ended fund schemes. These funds have tenure of more than 3 years, 1103 days specifically. TATA Mutual Fund offers the following plans under this scheme:

Equity Funds

These funds are ideal for investors having long-term capital generation.

  • Tata Infrastructure Tax-saving Fund - It is an equity-linked savings instrument (that is close-ended) for ten years, having a freezing time period of three years. It also lets you avail tax benefits under Section 80C.
  • Tata Tax Advantage Fund-1 - It is an ELSS for 10 years and it offers tax deductions under Section 80C.

Debt Funds

The investments are made primarily in the debt along with money market vehicles. It is an ideal option for investors having short to mid-term goals. The investors who aim for regular income zero-down at this scheme.

Why Select Tata Mutual Fund?

There are endless reasons to select Tata Mutual Fund Option. The following reasons are the major ones:

  • Tata Mutual Fund has higher equity in India.
  • TATA Mutual Fund is the blend of expertise of the service, trust, and fund management that strikes a chord with the potential investors.
  • The investors enjoy higher returns if they have a higher risk appetite. TATA Mutual Funds have their peace of mind, as they are sure that their funds are in safe hands.
  • The investors can enjoy tax deductions under Section 80C.

How to Invest in TATA Mutual Fund Schemes?

Investing in TATA Mutual Fund is as easy and simple as booking an UBER. You can make an investment in any of the funds of TATA online. In order to invest in TATA MF, you have to follow the following steps:

Step 1: Visit the TATA Mutual Fund official website.

Step 2: Click on ‘Investor’ tab on the home page. You will be redirected to a new page.

Step 3: Choose ‘Invest Online’ to initiate your investment. You will find two options - ‘Existing Investor’ and ‘New Investor’. Choose an appropriate option.

Step 4: If you’re an existing investor, then you can choose any of the four options available - Transact using a PIN, Invest without a PIN, Transact with Name, or Online SIP. However, if you’re a new investor then you can click on ‘Invest Now’ tab.

Step 5: Fill in the necessary details. You’ll receive a confirmation via text message on your registered number and an email on your registered Email ID.

Step 6: You can pay via Credit Card, Debit Card, Internet Banking, or e-Wallet.

You can also keep track of your investment online.

Documents Required while Investing in TATA Mutual Funds:

While making an investment in TATA Mutual Fund Schemes, you’ll require the following KYC documents:

  • Identity Proof - PAN Card, AADHAAR Card, Voter ID, Passport.
  • Proof of Address - AAHDAAR Card, Passport, Voter ID

About TATA Mutual Fund:

Tata, being one of the most valued and trusted brands of the nation, has won the trust of mutual fund investors with the support of its premium customer service and coherent performance. TATA Mutual Fund handles asset worth more than 40 Crore across its various offerings. The fund house caters to everyone, including housewives, retired person, businessman, salaried professional, traditional capital builder, and aggressive investor. Their philosophy seeks coherent, long-term returns, as they focus on overall excellence by providing transparency and rigorously neutralized risks.

TATA Mutual Funds - FAQs

Q1. How much money can you make from TATA mutual fund?

Ans. There are several factors that affect the return rate of a mutual fund scheme.  Below enlisted are few of the factors that can affect the return rate of the mutual fund chosen by you:

Type of mutual fund chosen by you:

A mutual fund can either be debt, equity or hybrid. A debt mutual fund may be a long-term or a short term, or even a liquid fund. The return rate in debt funds could vary from 7-10% on an annual basis

Similarly, equity funds promise a high return rate over the long-term, be it a large-cap, mid-cap, or diversified equity fund investment. The return rate on equity funds may range from 14-20% per annum (particularly for long-term investments).

A hybrid fund is a mix of equity as well as debt instruments and provides exposure to both of them.  These funds may offer a return rate of approximately 10-14% per annum.

Style of investment:

If you choose to invest through Systematic Investment Plans, it will average out the risk involved; however, at the same time, it will also suppress your return to some extent. You can also get lucky to gain high returns on your investment if you get to stumble when the market is low.

Investment Tenure:

Long-term investments offer a bigger chance for funds to perform. On the other hand, short-term investments get less time to perform; making them an easy target for negative performance.

You should also consider your financial goals, investment amount you wish to put in the mutual funds and the investment tenure you’re going for before finalizing your choice. In short, your earnings through mutual funds largely depend on several factors which include your risk appetite, size of your investment, investment-tenure and type of investment you’ve chosen.

Q2. Why invest in TATA Mutual Funds?

Ans. Tata Mutual Funds is constantly benchmarking its efforts in sync with its customer-centric beliefs. Below-enlisted is the list of key features that establish Tata Mutual Funds as one of the most preferred fund houses in India:

  • Consistency: The company strives to deliver consistent results through its value-based investing methodology. The company is constantly working on keeping alive the belief of the late legend, Mr J.R.D. Tata, that money collected from the people should be given back to them several times over.
  • Flexibility: Tata Mutual Funds offer a wide array of investment products across various asset classes. The company focuses on providing varying risk parameters that can cater to the needs of different individuals and customer segments. In addition to that, the fund house also offers operational flexibility to its customers that will be in sync with their different investment needs.
  • Stability: The company’s commitment to providing its customers with the highest service quality and its intense focus on integrity works in its favour as it helps the corporation to earn the trust of its customers.
  • Services: Tata Mutual Funds offer a wide range of mutual fund schemes with an aim to provide the customers with a fulfilling & rewarding investing experience.

Q3. How do I buy TATA Mutual Fund plan online?

For existing customers, they can log on to the official website of Tata Mutual Funds at http://www.tatamutualfund[dot]com/investor/invest-online and buy a fund plan.

Similarly, new investors can go to the same link and select the option of ‘Invest Now’ to buy a mutual fund plan online with the fund house.

Q4. What type of investor should invest in a small-cap scheme?

Ans. The investors who have higher risk-appetite can consider investing in small-cap schemes.

Q5. How much of my returns will be given to my nominees?

Ans. As far as the shares & debentures are concerned, the nominee gets all the rights and powers to control the ownership of the shares and debentures after the death of the nominating person.