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3 star

Tata Treasury Advantage Fund - Regular Plan


Debt: Low Duration

1 Lakh

Investment Grown to
₹ 1.08 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.25 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 6.50 0.05 0.16 0.68 1.38 4.48 7.80 5.69 6.56 7.30 7.88
CCIL T Bill Liquidity Weight 2.67 0.00 0.06 0.21 0.54 1.29 3.27 3.94 4.14 4.58 4.76
Debt: Low Duration 5.38 0.04 0.14 0.63 1.23 4.90 6.30 5.08 6.11 6.72 7.44
Rank within category 6 10 7 8 8 8 6 18 16 13 12
Number of funds in category 25 25 25 25 25 25 25 25 24 22 19

As on 19-Oct-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 7.80 5.69 6.56 0.53 1,560
ICICI Prudential Savings Fund  | Invest Now
5 star
Sep-02 8.47 7.97 8.13 0.55 19,922
Aditya Birla Sun Life Low Duration Fund  | Invest Online
4 star
May-98 7.90 7.63 7.65 1.22 13,927
SBI Magnum Low Duration Fund  | Invest Online
5 star
Jul-07 7.14 7.54 7.59 1.10 9,746
Kotak Low Duration Fund - Standard Plan  | Invest Online
4 star
Mar-08 8.42 7.86 8.07 1.12 8,418

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 5.56 3.29 0.15 0.09 0.65 1.25
CCIL T Bill Liquidity Weight 3.90 0.32 -3.63 -6.95 -- --
Debt: Low Duration 5.14 4.37 1.09 2.26 -0.74 -0.78
Rank within category 18 17 17 18 13 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-Sep-2020

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 63 63 26 53
Modified Duration (yrs) 0.85 0.90 0.64 0.79
Average Maturity (yrs) 0.92 1.08 0.79 0.90
Yield to Maturity (%) 4.46 6.44 4.37 4.79
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
up Reliance Industries 325-D 15/03/2021 Commercial Paper A1+ 0.00 - 5.68 5.68
equal 8.48% Odisha State 24/02/2021 State Development Loan SOV 0.00 - 8.00 3.26
new Reserve Bank of India 364-D 25/03/2021 Treasury Bills SOV 0.00 - 3.15 3.15
equal Indusind Bank 2021 Certificate of Deposit A1+ 0.00 - 3.83 3.15
equal National Bank Agr. Rur. Devp 27/07/2021 Certificate of Deposit A1+ 0.00 - 3.96 3.11
new Tata Motors Finance 354-D 30/08/2021 Commercial Paper A1+ 0.00 - 3.04 3.04
equal 6.92% Maharashtra State 2022 State Development Loan SOV 0.00 - 3.63 2.97
equal 6.32% REC 31/12/2021 Debenture AAA 0.00 - 4.66 2.62
new Network 18 Media & Inv 167-D 25/02/2021 Commercial Paper A1+ 0.00 - 2.52 2.52
equal 7.27% Power Finance Corp. 22/12/2021 Debenture AAA 0.00 - 2.83 2.31
down 7.33% Sundaram Finance 22/04/2022 Debenture AAA 0.00 - 3.39 2.31
equal 7.40% Power Finance Corp. 30/09/2021 Bonds AAA 0.00 - 2.82 2.31
equal 6.55% M&M Financial Services 28/06/2022 Debenture AAA 0.00 - 2.92 2.28
equal 7.56% Andhra Pradesh State 14/02/2021 State Development Loan SOV 0.00 - 2.94 2.27
new Tata Teleservices (Mah) 90-D 14/12/2020 Commercial Paper A1+ 0.00 - 2.22 2.22
equal 6.22% HDFC 2021 Debenture AAA 0.00 - 2.52 1.96
equal Sundaram Finance 2022 Zero Coupon Bonds AAA 0.00 - 2.16 1.78
equal 8.50% LIC Housing Fin. 20/06/2022 Non Convertible Debenture AAA 0.00 - 2.18 1.69
new 6.55% NTPC 17/04/2023 Debenture AAA 0.00 - 1.66 1.66
new 6.72% Power Finance Corp. 2023 Debenture AAA 0.00 - 1.65 1.65
equal 7.06% HDFC 13/12/2021 Non Convertible Debenture AAA 0.00 - 3.92 1.65
equal 8.43% Kotak Mahindra Prime 28/06/2021 Debenture AAA 0.00 - 2.13 1.65
equal 6.99% REC 31/12/2021 Non Convertible Debenture AAA 0.00 - 4.63 1.65
equal 8.71% HDB Financial Services 17/05/2021 Bonds/NCDs AAA 0.00 - 2.12 1.64
equal ONGC Petro Additions 27/03/2021 Debenture AAA 1.61 - 4.66 1.61

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-Sep-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:


0.05%

Change from previous, NAV as on 19-Oct-2020

Growth: ₹ 3,025.6138

Dividend Weekly: ₹ 1,009.2761

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Dividend Daily: ₹ 1,003.5288

Dividend: ₹ 1,919.9369


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: 7.59%
Benchmark: CRISIL Low Duration Debt
Riskometer: Moderately Low
Type: Open-ended
Assets: ₹ 1,560 Cr (As on 30-Sep-2020)
Expense: 0.53% (As on 30-Sep-2020)
Risk Grade: Average
Return Grade: Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Daily19-Oct-20200.4557

 16-Oct-20200.2109
 15-Oct-20200.1684
 14-Oct-20200.3693
 13-Oct-20200.4020
 12-Oct-20200.4368
 09-Oct-20201.0831
 08-Oct-20200.3142
 07-Oct-20200.4183
 06-Oct-20200.5166
 05-Oct-20200.6414
 01-Oct-20200.2947
 30-Sep-20200.3864
 28-Sep-20200.4163
 24-Sep-20200.0955
 23-Sep-20200.0889
 22-Sep-20200.1071
 21-Sep-20200.4180
 18-Sep-20200.1633
 17-Sep-20200.2487
 16-Sep-20200.2439
 07-Sep-20200.1034
 04-Sep-20200.3834
 03-Sep-20200.1465
 02-Sep-20200.2172
Dividend Weekly13-Oct-20202.6737

 06-Oct-20201.8967
 29-Sep-20200.5717
 22-Sep-20201.3703
 15-Sep-20200.3058
 08-Sep-20200.3652
 01-Sep-20201.9375
 25-Aug-20200.2813
 18-Aug-20201.7025
 11-Aug-20200.1136
 04-Aug-20201.3000
 21-Jul-20201.5104
 14-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
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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