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3 star

Tata Treasury Advantage Fund - Regular Plan


Debt: Low Duration

1 Lakh

Investment Grown to
₹ 1.09 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.25 Lakh

Suitability:

Low Duration debt funds invest in bonds maturing in 6 months to 1 year time. They aim to earn slightly better returns than what you can get from a bank account or a short duration fixed deposit. The risk of incurring a loss in these funds is negligible but they do not guarantee returns or safety of capital.

Retail investors can avoid these funds altogether. Here's why. Debt funds are very finely classified depending upon the maturity of the bonds they invest in. For instance, there's a different category of funds that invests in bonds of up to 3 months maturity, from the one that invests in bonds maturing in 3-6 months, and so on. We believe that such a nuanced classification adds little value to retail investors. They can avoid this complexity and simply invest the money they don't need for up to the next one year in a Liquid fund.

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 fund 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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(₹)
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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 4.93 0.00 0.18 1.18 3.29 4.63 8.58 5.79 6.72 7.45 7.89
CCIL T Bill Liquidity Weight 2.06 0.00 0.04 0.22 0.84 1.94 3.85 4.13 4.32 4.69 4.79
Debt: Low Duration 3.31 0.00 0.15 2.23 2.89 3.04 6.07 4.96 6.04 6.73 7.14
Rank within category 7 7 12 15 10 9 11 18 16 13 9
Number of funds in category 25 25 25 25 25 25 25 25 24 22 16

As on 14-Jul-2020

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Tata Treasury Advantage Fund - Regular Plan  | Invest Online
3 star
Sep-05 8.58 5.79 6.72 0.54 667
ICICI Prudential Savings Fund  | Invest Now
4 star
Sep-02 9.15 8.05 8.27 0.50 18,689
SBI Magnum Low Duration Fund  | Invest Online
5 star
Jul-07 8.32 7.73 7.82 1.04 8,548
Kotak Low Duration Fund - Standard Plan  | Invest Online
4 star
Mar-08 9.34 7.92 8.22 1.07 5,969
Axis Treasury Advantage Fund  | Invest Online
5 star
Oct-09 8.81 7.94 7.93 0.61 4,955

Best & Worst Performance

Best (Period) Worst (Period)
Week 1.50 (24-Mar-2020 - 31-Mar-2020) -4.00 (03-Jun-2019 - 10-Jun-2019)
Month 2.13 (24-Mar-2020 - 23-Apr-2020) -4.88 (03-Jun-2019 - 03-Jul-2019)
Quarter 4.15 (24-Mar-2020 - 24-Jun-2020) -3.93 (02-Apr-2019 - 02-Jul-2019)
Year 10.27 (24-Jul-2013 - 24-Jul-2014) 0.33 (25-Mar-2019 - 24-Mar-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 5.65 3.29 0.11 0.06 0.83 1.37
CCIL T Bill Liquidity Weight 4.07 0.28 -4.34 -7.86 -- --
Debt: Low Duration 4.56 3.72 0.95 1.91 0.20 -0.50
Rank within category 16 17 16 17 15 15
Number of funds in category 25 25 25 25 25 25

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

As on 30-Jun-2020

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 33 33 26 48
Modified Duration (yrs) 0.75 0.86 0.57 --
Average Maturity (yrs) 0.92 1.06 0.79 --
Yield to Maturity (%) 4.89 7.60 4.89 --

Value Research Fund Style*

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 8.48% Odisha State 24/02/2021 State Development Loan SOV 0.00 - 8.00 7.72
new Chennai Petroleum Corp. 61-D 03/08/2020 Commercial Paper A1+ 0.00 - 7.48 7.48
new 7.25% Larsen & Toubro 24/04/2023 Non Convertible Debenture AAA 0.00 - 3.91 3.91
new 6.50% National Bank Agr. Rur. Devp 17/04/2023 Debenture AAA 0.00 - 3.88 3.88
equal 6.99% REC 31/12/2021 Non Convertible Debenture AAA 0.00 - 4.63 3.86
equal 7.06% HDFC 13/12/2021 Non Convertible Debenture AAA 0.00 - 3.92 3.85
equal 7.67% LIC Housing Fin. 29/07/2021 Bonds AAA 0.00 - 3.93 3.85
equal 7.07% Reliance Industries 24/12/2020 Bonds/Debentures AAA 0.00 - 9.32 3.80
equal 7.59% SIDBI 2022 Non Convertible Debenture AAA 3.25 - 5.87 3.79
equal ONGC Petro Additions 27/03/2021 Debenture AAA 2.90 - 4.66 3.78
new Nabha Power 182-D 28/08/2020 Commercial Paper A1+ 0.00 - 3.72 3.72
new National Fertilizers 90-D 17/09/2020 Commercial Paper A1+ 0.00 - 3.72 3.72
new Deutsche Investments 91-D 15/09/2020 Commercial Paper A1+ 0.00 - 3.70 3.70
equal HDFC 317-D 10/03/2021 Commercial Paper A1+ 0.00 - 4.39 3.64
new Bank of Baroda 2021 Certificate of Deposit A1+ 0.00 - 3.62 3.62
equal Standard Chartered Invest&Loan 283-D 15/02/2021 Commercial Paper A1+ 0.00 - 3.69 3.60
new Tata Power 272-D 25/03/2021 Commercial Paper A1+ 0.00 - 3.58 3.58
equal 9.05% Power Finance Corp. 15/12/2020 Bonds AAA 0.00 - 3.78 3.07
equal 7.62% HUDCO 15/07/2022 Debenture AAA 0.00 - 2.42 2.36
down 6.98% National Bank Agr. Rur. Devp 19/09/2022 Debenture AAA 0.00 - 4.72 2.36
new 6.40% National Bank Agr. Rur. Devp 31/07/2023 Non Convertible Debenture AAA 0.00 - 2.33 2.33
equal 7.10% Power Finance Corp. 2022 Bonds/NCDs AAA 0.00 - 4.19 2.32
equal 7.27% Power Finance Corp. 22/12/2021 Debenture AAA 0.00 - 2.37 2.32
equal 6.32% REC 31/12/2021 Debenture AAA 0.00 - 4.66 2.29
equal 8.90% Bharti Telecom 17/02/2022 Non Convertible Debenture AA+ 0.00 - 1.83 1.55

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-Jun-2020

*As on 31-May-2020

Fund Manager

— Akhil Mittal since 26-Jun-2014

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:

— Abhishek Sonthalia since 06-Feb-2020

Education: Mr. Sonthalia has done B. Com, Management Programme from NITIE and CFA Charter holder.

Experience: Prior to joining Tata Mutual Fund, he has worked with CRISIL Ltd. and TCS.

Funds Managed:


0.00%

Change from previous, NAV as on 14-Jul-2020

Growth: ₹ 2,980.8918

Dividend Weekly: ₹ 1,008.0658

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Dividend Daily: ₹ 1,003.5288

Dividend: ₹ 1,891.2118


Investment Strategy

The scheme aims to generate income & capital appreciation through a portfolio constituted of debt & money market instruments with relatively lower interest rate risk.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 1,000
Minimum Balance (₹) --
Exit Load 0

Basic Details

Fund House: Tata Mutual Fund
Launch Date: 06-Sep-2005
Return Since Launch: 7.63%
Benchmark: CRISIL Low Duration Debt
Riskometer: Moderately Low
Type: Open-ended
Assets: ₹ 667 Cr (As on 30-Jun-2020)
Expense: 0.54% (As on 31-May-2020)
Risk Grade: Average
Return Grade: Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Daily14-Jul-20200.0380

 13-Jul-20200.6929
 10-Jul-20200.3564
 09-Jul-20200.1949
 08-Jul-20200.5743
 07-Jul-20200.6184
 06-Jul-20200.7195
 03-Jul-20200.7421
 02-Jul-20200.7325
 01-Jul-20200.3009
 30-Jun-20200.1478
 29-Jun-20200.1600
 26-Jun-20200.6274
 25-Jun-20200.5054
 24-Jun-20200.2883
 23-Jun-20200.6880
 22-Jun-20200.6394
 19-Jun-20200.6258
 18-Jun-20200.7962
 17-Jun-20200.9227
 16-Jun-20200.7020
 15-Jun-20200.7011
 12-Jun-20200.4327
 11-Jun-20200.7845
 10-Jun-20200.3309
Dividend Weekly14-Jul-20201.8662

 07-Jul-20203.1315
 30-Jun-20201.7387
 23-Jun-20203.6876
 16-Jun-20202.9682
 09-Jun-20201.1153
 02-Jun-20200.0352
 26-May-20204.5448
 19-May-20203.5954
 12-May-20202.9117
 05-May-20201.3543
 21-Apr-20205.2161
 07-Apr-20200.2668
 31-Mar-20202.3376
 11-Mar-20200.8212
 03-Mar-20200.2371
 25-Feb-20200.5969
 28-May-20191.9382
 21-May-20191.4028
 14-May-20190.6064
 07-May-20190.5716
 30-Apr-20190.4880
 23-Apr-20190.4884
 16-Apr-20190.6790
 09-Apr-20190.3432
Dividend17-Jan-20120.2525

 26-Sep-20110.0514
 05-Jul-20110.0405

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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