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3 star

Tata Treasury Advantage Fund - Regular Plan


Debt: Low Duration

1 Lakh

Investment Grown to
₹ 1.06 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.23 Lakh

Suitability:

Low Duration debt funds invest in bonds maturing in six months to a year. 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 three months maturity, from the one that invests in bonds maturing in three to six 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 a 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 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 0.93 0.02 0.10 0.52 0.97 1.81 6.30 5.26 6.11 6.88 7.65
CCIL T Bill Liquidity Weight 0.55 0.02 0.03 0.15 0.49 0.99 2.34 3.63 3.88 4.31 4.65
Debt: Low Duration 0.97 0.02 0.09 0.51 0.92 1.92 7.30 4.97 5.84 6.53 7.41
Rank within category 13 16 5 10 10 10 8 18 16 13 13
Number of funds in category 24 24 24 24 24 24 24 24 23 21 19

As on 20-Apr-2021

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 6.30 5.26 6.11 0.53 1,844
ICICI Prudential Savings Fund  | Invest Now
5 star
Sep-02 7.33 7.66 7.68 0.55 23,971
HDFC Low Duration Fund  | Invest Online
4 star
Nov-99 7.08 7.20 7.15 1.04 19,554
Aditya Birla Sun Life Low Duration Fund  | Invest Online
4 star
May-98 6.44 7.30 7.20 1.08 16,378
Kotak Low Duration Fund - Standard Plan  | Invest Online
4 star
Mar-08 6.76 7.37 7.54 1.14 12,542

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) 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 5.22 3.30 0.23 0.13 0.69 1.35
CCIL T Bill Liquidity Weight 3.60 0.37 -2.39 -5.59 -- --
Debt: Low Duration 5.07 4.25 1.26 2.32 -0.62 0.05
Rank within category 18 17 17 18 14 15
Number of funds in category 24 24 24 24 24 24

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

As on 31-Mar-2021

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 63 68 28 59
Modified Duration (yrs) 0.79 0.91 0.71 0.75
Average Maturity (yrs) 0.84 1.08 0.78 0.93
Yield to Maturity (%) 4.23 5.71 3.86 4.48
Avg Credit Rating AAA -- -- --

Value Research Fund Style

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal Cholamandalam Invest. & Fin. 18/11/2021 Commercial Paper A1+ 0.00 - 4.86 4.75
equal 6.94% Orissa State 26/07/2021 State Development Loan SOV 0.00 - 4.75 4.11
up 5.09% GOI 13/04/2022 GOI Securities SOV 0.00 - 4.75 3.57
equal 6.99% HDFC 25/11/2021 Non Convertible Debenture AAA 0.00 - 2.76 2.76
equal 5.04% IRFC 2023 Debenture AAA 0.00 - 2.73 2.73
equal 4.60% National Bank Agr. Rur. Devp 29/07/2024 Debenture AAA 0.00 - 2.71 2.71
equal Export-Import Bank 2021 Certificate of Deposit A1+ 0.00 - 2.76 2.70
equal National Bank Agr. Rur. Devp 27/07/2021 Certificate of Deposit A1+ 0.00 - 3.96 2.68
equal Power Finance Corp. 358-D 30/07/2021 Commercial Paper A1+ 0.00 - 2.68 2.68
new Axis Bank 17/09/2021 Certificate of Deposit A1+ 0.00 - 2.67 2.67
equal Tata Motors Finance 354-D 30/08/2021 Commercial Paper A1+ 0.00 - 3.04 2.66
equal Axis Bank 22/10/2021 Certificate of Deposit A1+ 0.00 - 2.98 2.65
equal Axis Bank 17/12/2021 Certificate of Deposit A1+ 0.00 - 2.71 2.64
equal Tata Motors Finance 354-D 28/12/2021 Commercial Paper A1+ 0.00 - 2.61 2.61
new 8.44% REC 2021 Bonds AAA 0.00 - 2.51 2.51
equal 7.16% GOI 20/05/2023 Central Government Loan SOV 0.00 - 4.19 2.28
equal 6.32% REC 31/12/2021 Debenture AAA 1.77 - 3.37 2.21
equal 7.33% Sundaram Finance 22/04/2022 Debenture AAA 0.00 - 3.39 1.95
equal 7.27% Power Finance Corp. 22/12/2021 Debenture AAA 1.28 - 2.83 1.94
equal 7.40% Power Finance Corp. 30/09/2021 Bonds AAA 0.00 - 2.82 1.93
equal 7.22% LIC Housing Fin. 19/11/2021 Non Convertible Debenture AAA 0.00 - 4.61 1.93
equal 6.55% M&M Financial Services 28/06/2022 Debenture AAA 0.00 - 2.92 1.92
equal 6.22% HDFC 2021 Debenture AAA 0.00 - 2.52 1.65
equal Sundaram Finance 2022 Zero Coupon Bonds AAA 0.00 - 2.16 1.55
equal 6.55% NTPC 17/04/2023 Debenture AAA 0.00 - 1.66 1.40

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-Mar-2021

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:


0.02%

Change from previous, NAV as on 20-Apr-2021

Growth: ₹ 3,081.9203

IDCW Weekly: ₹ 1,008.0658

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IDCW Daily: ₹ 1,003.5288

IDCW: ₹ 1,954.5163


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 (₹) --
Lock-in Period Not Applicable
Exit Load 0

Basic Details

Fund House: Tata Mutual Fund
Launch Date: 06-Sep-2005
Return Since Launch: 7.47%
Benchmark: CRISIL Low Duration Debt
Riskometer: Low to Moderate
Type: Open-ended
Assets: ₹ 1,844 Cr (As on 31-Mar-2021)
Expense: 0.53% (As on 31-Mar-2021)
Risk Grade: Average
Return Grade: Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Daily20-Apr-20210.1893

 19-Apr-20210.5281
 16-Apr-20210.1272
 15-Apr-20210.1873
 12-Apr-20210.2107
 09-Apr-20210.0428
 06-Apr-20210.4850
 05-Apr-20210.6912
 31-Mar-20210.3820
 30-Mar-20210.5990
 26-Mar-20210.2053
 25-Mar-20210.2717
 24-Mar-20210.2405
 23-Mar-20210.6396
 22-Mar-20210.4383
 19-Mar-20210.6310
 18-Mar-20210.1756
 17-Mar-20210.1530
 16-Mar-20210.0098
 10-Mar-20210.1164
 09-Mar-20210.0754
 08-Mar-20210.2633
 05-Mar-20210.1065
 04-Mar-20210.0898
 03-Mar-20210.1372
IDCW Weekly20-Apr-20210.8115

 15-Apr-20210.5998
 07-Apr-20211.4089
 30-Mar-20211.3192
 23-Mar-20212.0487
 16-Mar-20210.1266
 09-Mar-20210.6754
 02-Mar-20210.6389
 23-Feb-20210.2040
 16-Feb-20210.3984
 05-Jan-20211.2538
 29-Dec-20200.8877
 22-Dec-20200.6158
 15-Dec-20200.4344
 08-Dec-20200.4526
 01-Dec-20200.4415
 24-Nov-20201.6268
 17-Nov-20201.0438
 10-Nov-20201.1889
 03-Nov-20200.9184
 27-Oct-20200.6541
 20-Oct-20201.6747
 13-Oct-20202.6737
 06-Oct-20201.8967
 29-Sep-20200.5717
IDCW17-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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