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Unrated

Tata Young Citizens Fund - Regular Plan


1 Lakh

Investment Grown to
₹ 1.20 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.69 Lakh

Suitability:

When you invest for five years or more, you can expect gains that beat the inflation rate as well as the returns from fixed income options. But be prepared for ups and downs in your investment value along the way.

Balanced hybrid funds invest roughly half your money in equity shares and the rest in bonds. Their returns are lower than pure equity funds which invest all your money in shares, but they also fall less when the stock markets decline. This makes them suitable for conservative equity investors or first-time equity investors who are not used to sharp ups and downs.

Like all equity-linked investments, you must invest only through the SIP route. Click here to read a primer on SIP investing.

Warning: Do not invest in this, or any other balanced hybrid fund, if you need to redeem your investment in less than five years.

Taxability of earnings:

The tax treatment of this fund may vary depending upon its asset allocation. It will be taxed in the following manner based on its average asset allocation in the last 12 months.

Capital gains

  • If the mutual fund units are sold after 1 year from the date of investment, gains upto Rs 1 lakh in a financial year are exempt from tax. Gains over Rs 1 lakh are taxed at the rate of 10%.
  • If the mutual fund units are sold within 1 year from the date of investment, entire amount of gain is taxed at the rate of 15%.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund 3.45 -0.74 -0.89 8.71 20.08 28.56 23.65 6.33 10.20 11.17 9.86
VR Balanced TRI 3.75 -0.31 -0.01 8.08 19.00 26.15 19.03 10.95 14.78 12.98 10.61
Hybrid: Balanced Hybrid 2.49 -0.35 -0.63 5.76 14.94 20.17 13.35 6.29 9.82 10.73 9.30
Rank within category 2 9 8 2 2 2 1 5 4 3 3
Number of funds in category 9 9 9 9 9 9 9 9 9 8 8

As on 21-Jan-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Tata Young Citizens Fund - Regular Plan  | Invest Online
Unrated
Oct-95 23.65 6.33 10.20 2.55 216
ICICI Prudential Asset Allocator (FOF) Fund  | Invest Now
Unrated
Dec-03 15.01 10.76 12.66 1.40 9,000
UTI Children's Career Fund-Savings Plan - Regular Plan  | Invest Online
Unrated
Jul-93 12.90 4.90 8.85 1.76 3,886
UTI Retirement Benefit Pension Fund - Regular Plan  | Invest Online
Unrated
Dec-94 13.63 3.57 8.49 2.04 3,118
Axis Children's Gift - Regular Plan
Unrated
Dec-15 15.99 9.24 11.38 2.45 556

Best & Worst Performance

Best (Period) Worst (Period)
Week 10.43 (24-Mar-2020 - 31-Mar-2020) -16.62 (11-Mar-2020 - 18-Mar-2020)
Month 20.24 (23-Mar-2020 - 22-Apr-2020) -33.37 (20-Feb-2020 - 23-Mar-2020)
Quarter 34.84 (23-Mar-2020 - 22-Jun-2020) -31.90 (23-Dec-2019 - 23-Mar-2020)
Year 74.03 (22-Feb-1999 - 22-Feb-2000) -31.55 (04-Dec-2007 - 03-Dec-2008)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 7.09 20.01 0.12 0.13 1.04 -5.10
VR Balanced TRI 11.89 18.30 0.39 0.46 -- --
Hybrid: Balanced Hybrid 6.74 14.40 0.12 0.13 0.73 -3.26
Rank within category 4 8 5 5 8 8
Number of funds in category 9 9 9 9 9 9

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

As on 31-Dec-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 40
Top 10 Holdings (%) 47.18
Top 5 Holdings (%) 31.46
Top 3 Sectors (%) 57.69
Portfolio P/B Ratio 3.57
Portfolio P/E Ratio 30.99
Avg Credit Rating Cash

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

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Sector Allocation vis-à-vis Category

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Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
equal Reliance Industries Energy 34.78 10.32 0.00 7.72
down HDFC Bank Financial 26.46 10.03 1.51 7.55
equal ICICI Bank Financial 27.39 7.68 0.00 6.86
equal Infosys Technology 30.68 5.09 0.00 5.09
equal Tata Consultancy Services Technology 39.34 4.58 0.00 4.24
equal Kotak Mahindra Bank Financial 40.67 8.66 0.00 4.03
equal HDFC Financial 29.65 3.17 0.00 3.17
down Bharti Airtel Communication -- 4.04 0.00 3.14
equal MRF Automobile 28.92 3.19 0.00 2.70
equal Titan Company Cons Durable 191.02 2.68 0.00 2.68
equal ITC FMCG 19.17 7.08 1.89 2.42
equal Cadila Healthcare Healthcare 28.38 3.39 0.00 2.41
equal Dr. Reddy's Lab Healthcare 52.22 2.78 0.00 2.31
equal Hindustan Unilever FMCG 79.35 4.91 0.39 2.17
equal Axis Bank Financial 58.29 2.19 0.00 2.13
equal ICICI Lombard General Insurance Company Financial 47.20 2.26 0.00 1.90
equal Divi's Laboratories Healthcare 54.41 1.85 0.00 1.85
equal Persistent Systems Technology 33.61 2.10 0.00 1.81
equal Wipro Technology 24.06 1.83 0.00 1.79
equal Birlasoft Technology 26.32 1.68 0.00 1.68
equal MindTree Technology 28.96 1.73 0.00 1.65
equal Larsen & Toubro Construction 16.92 3.37 0.00 1.55
equal Bayer CropScience Healthcare 39.46 3.45 0.00 1.49
equal Indraprastha Gas Energy 37.17 1.54 0.00 1.47
equal Ultratech Cement Construction 26.73 1.45 0.00 1.44

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 31-Dec-2020

Fund Manager

— Akhil Mittal since 31-Jul-2015

Education: Mr. Mittal is B.Com (H) and MBA from University Business School.

Experience: Prior to joining Tata AMC, he has worked with Canara Robeco AMC, Principal Asset Management Company, Edelweiss Securities Ltd. and Rallis India Ltd.

Funds Managed:

— Amey Sathe since 20-Apr-2020

Education: Mr. Sathe is MMS & CFA

Experience: Prior to joining TATA Mutual Fund he has worked with JM Financial Institutional Securities Ltd as Assistant Vice President Equity Research, CARE Ratings as Deputy Manager and HDFC Securities in Equity research.

Funds Managed:

— Rahul Singh since 20-Apr-2020

Education: Mr. Singh is B.Tech & PGDBM

Experience: Prior to Tata AMC, he has worked with Ampersand Capital Investment Advisors LLP, Standard Chartered Securities and Citigroup Global Markets India.

Funds Managed:


-0.74%

Change from previous, NAV as on 21-Jan-2021

Dividend: ₹ 32.5994


Investment Strategy

The Scheme seeks to generate long term capital growth.

Investment Details

Minimum Investment (₹) 500
Minimum Addl Investment (₹) 500
Minimum SIP Investment (₹) 150
Minimum No of Cheques 12
Minimum Withdrawal (₹) 500
Minimum Balance (₹) 500
Exit Load For Redemption or switch out of units before the attainment of retirement age i.e 18 years

Basic Details

Fund House: Tata Mutual Fund
Launch Date: 14-Oct-1995
Return Since Launch: 12.48%
Benchmark: S&P BSE 200 TRI
Riskometer: Very High
Type: Open-ended
Assets: ₹ 216 Cr (As on 31-Dec-2020)
Expense: 2.55% (As on 31-Dec-2020)
Risk Grade: --
Return Grade: --
Turnover: 51.20%

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: http://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

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