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Tata Medium Term Fund - Regular Plan


1 Lakh

Investment declined to
₹ 0.90 Lakh

₹ 10000

Monthly SIP Declined to
₹ 1.13 Lakh

Analyst's Choice?

Suitability:

Medium Duration debt funds invest in bonds maturing in 3 to 4 years' time. They aim to earn slightly better returns than inflation and bank fixed deposits of a similar duration. The risk of incurring a loss in these funds over the said time frame is low, but they do not guarantee returns or safety of capital.

We believe that retail investors who are looking to invest for 3 years or more should have at least some portion of their money in equity because of its ability to earn much higher returns. Therefore, Balanced Hybrid or Conservative Hybrid funds, which invest a part of your money in equity shares, are more suitable alternatives for an investment horizon of 3-5 years. They witness sharper ups and downs than Medium Duration debt funds but the possibility of incurring a loss is substantially reduced if you invest for 3 years and above.

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends paid by the mutual fund scheme are taxed at the rate of 25% (effectively 29.12%, including surcharge and cess). This is known as Dividend Distribution Tax (DDT). Though the investor does not pay this tax directly, it is deducted from the dividend income before passing on to the investor.

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Trailing Returns (%)

YTD 1 Month 3 Months 1 Years 3 Years 5 Years 10 Years
Fund -10.50 -0.06 1.08 -9.92 -0.62 3.10 5.58
VR Bond 6.71 -0.12 0.36 7.30 5.80 6.98 7.16
Debt: Medium Duration 3.55 -0.42 0.42 4.08 5.28 6.61 7.28
Rank within category 16 10 7 16 15 12 7
Number of funds in category 16 17 17 16 15 12 7

As on 13-Dec-2019

Best & Worst Performance

Best (Period) Worst (Period)
Month 4.43 (19-Aug-2013 - 18-Sep-2013) -14.85 (27-May-2019 - 26-Jun-2019)
Quarter 6.18 (25-Aug-2016 - 24-Nov-2016) -14.95 (29-Mar-2019 - 28-Jun-2019)
Year 13.99 (31-Jan-2014 - 02-Feb-2015) -10.00 (26-Jun-2018 - 26-Jun-2019)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund -0.36 9.10 -0.67 -0.35 0.04 -6.14
VR Bond 5.65 2.30 -0.06 -0.09 -- --
Debt: Medium Duration 5.01 3.19 -0.02 0.19 0.61 -0.69
Rank within category 16 16 14 12 1 16
Number of funds in category 16 16 16 16 16 16

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 30-Nov-2019

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 10 14 6 49
Modified Duration (yrs) 3.67 3.67 1.81 3.04
Average Maturity (yrs) 5.15 5.15 2.48 4.24
Yield to Maturity (%) 7.44 11.39 6.70 9.35

Value Research Fund Style

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
new 7.59% GOI 2026 GOI Securities SOV 0.00 - 10.58 10.58
new 7.57% GOI 17/06/2033 GOI Securities SOV 0.00 - 10.56 10.56
equal 7.27% GOI 2026 GOI Securities SOV 0.00 - 10.50 10.50
equal 7.90% India Infradebt 31/10/2022 Debenture AAA 5.18 - 12.18 9.97
equal 8.30% SBI Cards & Payments Services 17/05/2023 Bonds/Debentures AAA 5.04 - 12.00 9.88
equal 9.65% Green Infra Wind Energy 2023 Debenture AA 8.05 - 12.97 8.08
new 7.42% Power Finance Corp. 19/11/2024 Non Convertible Debenture AAA 0.00 - 8.08 8.08
new 6.90% REC 30/06/2022 Debenture AAA 0.00 - 8.07 8.07
equal 8.35% IRFC 13/03/2029 Debenture AAA 0.00 - 9.14 7.46
equal 9.26% Jubilant Life Sciences 2022 Non Convertible Debenture AA 5.35 - 9.31 5.92

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 30-Nov-2019

Fund Manager

— Murthy Nagarajan since 01-Apr-2017

Education: Mr. Nagarajan is a M.Com, ICWA and PGPMS.

Experience: Prior to joining Tata AMC he has worked with Quantum AMC as head fixed income, Mirae Asset Global Investment India Ltd..

Funds Managed:


-0.08%

Change from previous, NAV as on 13-Dec-2019

Growth: ₹ 24.9862

Dividend Quarterly: ₹ 11.3945


Investment Strategy

The scheme seeks to generate income and capital appreciation over a medium term.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 500
Minimum Balance (₹) --
Exit Load For units in excess of 12% of the investment,1% will be charged for redemption within 365 days

Basic Details

Fund House: Tata Mutual Fund
Launch Date: 21-Nov-2002
Benchmark: CRISIL Medium Term Debt
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 50 Cr (As on 30-Nov-2019)
Expense: 1.38% (As on 30-Nov-2019)
Risk Grade: High
Return Grade: Low
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Quarterly11-Jun-20190.1225

 13-Mar-20190.1153
 11-Dec-20180.1225
 14-Sep-20180.1225
 15-Jun-20180.1441
 15-Dec-20170.1445
 14-Sep-20170.1372
 15-Jun-20170.1517
 16-Dec-20160.1517
 14-Sep-20160.1445
 14-Jun-20160.1445
 15-Mar-20160.1517
 23-Dec-20150.1047
 15-Sep-20150.1441
 16-Jun-20150.1456
 16-Mar-20150.1432
 16-Dec-20140.1448
 16-Sep-20140.1555
 17-Jun-20140.1555
 18-Mar-20140.1555
 17-Dec-20130.1452
 23-Sep-20130.1622
 20-Jun-20130.1605
 18-Mar-20130.1593
 20-Dec-20120.1683

Contact Information

AMC: Tata Asset Management Private Ltd

Address: 9th Floor, Mafatlal Centre, Nariman Point, Mumbai - 400021

Phone: 1800-209-0101

Email: [email protected]

Website: www.tatamutualfund.com

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

Upcoming Video

Investors' Hangout

Why you should ditch dividend plans

dateFriday, 20-Dec-2019
time12:30 PM - 01:00 PM