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Tata India Consumer Fund - Regular Plan

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Equity: Thematic-Consumption

1 Lakh

Investment Grown to
₹ 1.47 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.95 Lakh

Analyst's Choice?

Suitability:

This is a fund that invests mainly in the shares of consumer-facing companies.

We believe that investors should avoid funds that have a narrowly defined investment mandate such as this one. Instead, they should invest in multi cap funds which provide complete freedom to the fund management team to invest in companies from which it expects maximum gains.

But if you do invest, you must do so only through the SIP route. Click here to read a primer on SIP investing.

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

Taxability of earnings:

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 paid by the mutual fund scheme are taxed at the rate of 10% (effectively 11.648%, 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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Annual Returns
Quarterly Returns
Monthly Returns
Weekly Returns

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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 4.54 -0.75 -1.84 -0.93 3.57 13.72 8.40 13.78 -- -- --
S&P BSE 500 TRI -1.47 -0.32 -1.24 -3.61 -0.75 10.95 9.48 9.38 -- -- --
Equity: Thematic-Consumption 2.95 -0.33 -0.76 -1.12 2.71 16.42 14.06 10.90 -- -- --
Rank within category 4 12 12 4 4 10 8 3 -- -- --
Number of funds in category 12 12 12 12 12 12 11 9 8 7 6

As on 25-Feb-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week 9.22 (17-Sep-2019 - 24-Sep-2019) -9.78 (08-Nov-2016 - 15-Nov-2016)
Month 13.85 (11-Aug-2017 - 12-Sep-2017) -15.72 (07-Sep-2018 - 09-Oct-2018)
Quarter 26.31 (26-Dec-2016 - 27-Mar-2017) -13.66 (26-Sep-2016 - 26-Dec-2016)
Year 79.68 (26-Dec-2016 - 26-Dec-2017) -17.75 (29-Aug-2018 - 29-Aug-2019)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 17.37 16.02 0.73 1.02 0.90 8.72
S&P BSE 500 TRI 11.88 12.82 0.48 0.72 -- --
Equity: Thematic-Consumption 12.54 14.17 0.49 0.70 0.77 4.33
Rank within category 1 10 2 3 10 2
Number of funds in category 10 10 10 10 10 10

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

As on 31-Jan-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 30
Top 10 Stocks (%) 56.40
Top 5 Stocks (%) 35.14
Top 3 Sectors (%) 80.57
Portfolio P/B Ratio 6.44
Portfolio P/E Ratio 36.26

Portfolio Aggregates

Fund Category
Average Mkt Cap (Rs Cr) 49,024 62,658
Giant (%) 32.43 37.76
Large (%) 16.91 20.73
Mid (%) 40.60 30.73
Small (%) 10.06 11.33
Tiny (%) -- 1.20

Value Research Fund Style

Sector Allocation vis-à-vis Category

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Top Holdings

Company Sector P/E 3Y High 3Y Low % Assets
equal Hindustan Unilever FMCG 71.41 10.95 0.00 10.95
down ITC FMCG 16.40 11.63 2.46 9.22
down Jubilant FoodWorks Services 75.36 5.29 0.00 5.29
up Titan Company Cons Durable 74.59 4.85 0.00 4.85
up Dabur India FMCG 58.16 5.32 0.00 4.82
down Nestle India FMCG 79.72 4.88 0.00 4.67
down Bata India FMCG 57.48 6.05 2.05 4.57
down Tata Consumer Products FMCG 57.36 4.29 0.00 4.29
equal Bajaj Auto Automobile 16.32 5.91 0.00 3.96
down United Spirits FMCG 69.73 4.56 0.00 3.76
down VST Industries FMCG 22.80 3.70 0.00 3.70
equal Kansai Nerolac Paints Chemicals 50.18 3.89 0.00 3.69
equal MRF Automobile 28.13 3.67 0.00 3.67
up Voltas Cons Durable 46.50 3.18 0.00 3.18
equal GSK Consumer Healthcare FMCG 35.19 5.39 0.00 3.06
equal Trent Services 250.81 2.99 0.00 2.99
down Page Industries Textiles 64.28 3.40 0.00 2.54
new Escorts Automobile 22.23 3.35 0.00 2.47
down Radico Khaitan FMCG 24.65 3.68 0.00 2.33
down Future Retail Services 24.87 8.30 2.19 2.19
equal Maruti Suzuki India Automobile 30.79 10.49 2.14 2.18
equal Exide Industries Engineering 17.46 1.74 0.00 1.74
equal Greenply Inds. FMCG 15.83 2.40 0.00 1.66
up Ashok Leyland Automobile 24.49 2.79 0.00 1.39
equal Sundram Fasteners Engineering 23.64 1.34 0.00 1.34

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-Jan-2020

Fund Manager

— Ennette Fernandes since 18-Jun-2018

Education: Ms. Fernandes is B.com & PGDBM

Experience: Prior to joining TATA Mutual Fund she has worked with Phillip Capital India Pvt. Limited as Junior Research Analyst on FMCG sector.

Funds Managed:

— Sonam Udasi since 01-Apr-2016

Education: Mr. Udasi is a B.Com and also holds PGDM(Finance).

Experience: Prior to joining Tata AMC he was associated with ASK Raymond James (Jun 2005-Jan 2006) as Lead Analyst (Reporting to Head Research), JM Financial AMC (Feb 2006-June 2007) as Senior Analyst (Reporting to CIO), Prime Securities (Aug 2007-Oct 2008) as Head Research (Reporting to President), BRICS Securities (Nov 2008-Apr 2010) as Consumer Vertical (Reporting to Head Equities) and IDBI Capital Market Services Ltd (Jun 2010-March 2014) as Head Research (Reporting to Executive VP).

Funds Managed:

Invest Online
-0.75%

Change from previous, NAV as on 25-Feb-2020

Growth: ₹ 18.0989

Dividend: ₹ 16.6476

Investment Strategy

The scheme seeks long term capital appreciation by investing atleast 80% of it's net assets in equity/equity related instruments of the companies in the Consumption Oriented sectors in India.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 150
Minimum No of Cheques 12
Minimum Withdrawal (₹) 500
Minimum Balance (₹) 500
Exit Load 1% for redemption within 365 days

Basic Details

Fund House: Tata Mutual Fund
Launch Date: 28-Dec-2015
Return Since Launch: 15.31%
Benchmark: NIFTY India Consumption TRI
Riskometer: High
Type: Open-ended
Assets: ₹ 1,300 Cr (As on 31-Jan-2020)
Expense: 2.26% (As on 31-Jan-2020)
Risk Grade: --
Return Grade: --
Turnover: 54.95%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend19-Jan-20181.4500

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

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