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Unrated

Tata Balanced Advantage Fund - Regular Plan


1 Lakh

Investment Grown to
₹ 1.19 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.28 Lakh

Suitability:

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

Dynamic Asset Allocation or Balanced Advantage funds invest your money in equity shares and bonds though their proportions are not fixed. The fund management team may increase of decrease the allocation to equity shares depending upon their market outlook.

These funds tend to fall less than pure equity funds when the stock markets decline because of their debt allocation. This makes them suitable for conservative equity investors.

Like for 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 15.71 -0.35 0.13 -1.19 0.43 6.48 19.20 -- -- -- --
VR Balanced TRI 21.24 -1.03 0.87 -3.01 -0.30 9.26 27.94 -- -- -- --
Hybrid: Dynamic Asset Allocation 14.58 -0.31 0.33 -1.28 0.72 6.61 17.94 -- -- -- --
Rank within category 7 21 23 17 10 11 8 -- -- -- --
Number of funds in category 25 29 29 28 26 26 25 18 12 10 6

As on 03-Dec-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Tata Balanced Advantage Fund - Regular Plan  | Invest Online
Unrated
Jan-19 19.20 -- -- 1.95% 3,849
ICICI Prudential Balanced Advantage Fund  | Invest Now
4 star
Dec-06 17.56 12.73 11.54 1.69% 36,816
Kotak Balanced Advantage Fund - Regular Plan  | Invest Online
4 star
Aug-18 15.73 13.00 -- 1.78% 11,813
Edelweiss Balanced Advantage Fund - Regular Plan  | Invest Online
5 star
Aug-09 22.64 15.99 14.34 1.82% 6,331
Aditya Birla Sun Life Balanced Advantage Fund  | Invest Online
4 star
Apr-00 16.29 12.31 10.58 1.84% 6,124

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 6.50 01-Apr-2020 - 09-Apr-2020 -10.72 16-Mar-2020 - 23-Mar-2020
Month 13.46 23-Mar-2020 - 22-Apr-2020 -19.57 20-Feb-2020 - 23-Mar-2020
Quarter 21.71 24-Mar-2020 - 23-Jun-2020 -18.98 23-Dec-2019 - 23-Mar-2020
Year 49.57 23-Mar-2020 - 23-Mar-2021 -13.13 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund -- -- -- -- -- --
VR Balanced TRI* 16.35 17.90 0.70 0.83 -- --
Hybrid: Dynamic Asset Allocation* 11.45 12.25 0.62 0.69 0.62 -0.19
Rank within category -- -- -- -- -- --
Number of funds in category -- -- -- -- -- --

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

As on

* As on 30-Nov-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 71
Top 10 Holdings (%) 26.63
Top 5 Holdings (%) 15.82
Top 3 Sectors (%) 20.66
Portfolio P/B Ratio 3.24
Portfolio P/E Ratio 22.21
Avg Credit Rating AAA

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

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Top Debt Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 5.63% GOI 2026 GOI Securities SOV 0.00 - 4.01 3.75
equal Tata Ultra Short Term Fund Direct-G Mutual Fund -- 0.00 - 2.51 2.36
equal National Bank Agr. Rur. Devp 2024 Non Convertible Debenture AAA 0.00 - 2.62 1.95
equal 8.20% GOI 15/02/2022 Central Government Loan SOV 0.00 - 1.53 1.31
new 6.40% Jamnagar Utilities and Power 29/09/2026 Non Convertible Debenture AAA 0.00 - 1.29 1.29
equal 7.16% GOI 20/05/2023 Central Government Loan SOV 0.27 - 1.86 1.08
equal 7.15% Muthoot Finance 25/11/2022 Zero Coupon Bonds AA+ 0.00 - 1.54 1.06
equal 8.30% Muthoot Finance 2022 Debenture AA 0.00 - 1.25 0.93
equal 6.44% Indian Oil Corporation 14/04/2023 Debenture AAA 0.80 - 2.48 0.80
equal 5.69% REC 30/09/2023 Non Convertible Debenture AAA 0.00 - 2.16 0.79
equal 8.20% Power Finance Corporation 2025 Bonds AAA 0.00 - 1.19 0.70
equal 6.92% REC 22/04/2023 Non Convertible Debenture AAA 0.00 - 1.84 0.67
equal 6.83% Power Finance Corporation 24/04/2023 Debenture AAA 0.00 - 1.14 0.67
equal 5.84% Tata Capital Financial Services 17/03/2023 Debenture AAA 0.00 - 1.11 0.66
equal 6.45% L&T Finance 2024 Non Convertible Debenture AAA 0.00 - 0.95 0.65
equal 6.40% Embassy Office Parks REIT 15/02/2024 Debenture AAA 0.00 - 1.57 0.65
equal Varanasi Sangam Expressway 29/12/2034 Non Convertible Debenture AAA 0.00 - 0.76 0.65
equal 4.23% HDFC 18/02/2022 Debenture AAA 0.00 - 0.75 0.65
equal 5.35% Telesonic Network 28/04/2023 Debenture AA+ 0.00 - 0.70 0.65
equal 5.14% National Bank Agr. Rur. Devp 21-D 31/01/2024 Debenture AAA 0.00 - 1.04 0.65
equal 4.71% HDFC 2023 Non Convertible Debenture AAA 0.00 - 0.69 0.64
equal Indusind Bank 15/02/2022 Certificate of Deposit A1+ 0.00 - 1.00 0.64
equal Axis Bank 2022 Certificate of Deposit A1+ 0.00 - 1.07 0.64
equal Panatone Finvest 364-D 30/08/2022 Commercial Paper A1+ 0.00 - 0.72 0.62
equal 9.25% Tata Capital Financial Services 19/12/2023 Debenture AAA 0.00 - 0.49 0.42

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

Sector Allocation vis-à-vis Category

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Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
down ICICI Bank Financial 23.44 5.48 2.54 3.71
up State Bank of India Financial 14.74 3.91 0.75 3.31
down Reliance Industries Energy 31.17 7.11 2.20 2.60
up Tata Consultancy Services Technology 36.81 5.92 0.00 2.44
up Sun Pharmaceutical Industries Healthcare 29.00 2.60 0.00 2.40
up Tata Steel Metals 4.38 2.12 0.00 2.06
down Infosys Technology 34.93 4.98 1.75 2.04
down Mahindra & Mahindra Automobile 25.19 1.99 0.00 1.87
up ITC FMCG 19.14 4.23 0.00 1.87
up Grasim Industries Construction 18.36 1.79 0.00 1.79
up Ultratech Cement Construction 33.27 2.58 0.00 1.78
up HCL Technologies Technology 27.55 2.65 0.74 1.67
down Tata Power Company Energy 49.59 1.87 0.00 1.65
down Hindalco Inds. Metals 9.54 1.88 0.00 1.65
down Larsen & Toubro Construction 28.92 3.51 0.52 1.64
up Bharti Airtel Communication 139.49 4.36 0.00 1.60
up HDFC Bank Financial 24.50 4.89 1.44 1.49
up HDFC Financial 24.08 5.39 1.12 1.49
equal Divi's Laboratories Healthcare 59.12 1.39 0.00 1.39
down Bajaj Auto Automobile 14.69 1.54 0.00 1.37
up Axis Bank Financial 20.63 3.79 0.00 1.28
down Bharat Petroleum Corporation Energy 4.67 1.74 0.00 1.28
down ACC Construction 20.59 1.43 0.00 1.28
down Tech Mahindra Technology 30.54 2.25 0.00 0.99
up Tata Consumer Products FMCG 98.73 2.15 0.00 0.98

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-Oct-2021

Fund Manager

— Rahul Singh since 09-Jan-2019

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:

— Akhil Mittal since 09-Jan-2019

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:

— Sailesh Jain since 09-Jan-2019

Education: Mr. Jain is a Commerce Graduate and an MBA.

Experience: Prior to joining TATA Mutual Fund, he has worked with Invesco Mutual Fund, IDFC Securities Ltd. as Head Derivatives, Quant Broking Pvt Ltd. as Vice President and IIFL(India Infoline) as Vice President.

Funds Managed:


-0.35%

Change from previous, NAV as on 03-Dec-2021

Growth: ₹ 14.4320

IDCW: ₹ 14.4320


Investment Strategy

The scheme seeks to provide capital appreciation and income distribution to the investors by using equity derivatives strategies, arbitrage opportunities and pure equity investments.

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
Lock-in Period Not Applicable
Exit Load For units in excess of 12% of the investment,1% will be charged for redemption within 365 days

Basic Details

Fund House: Tata Mutual Fund
Launch Date: 28-Jan-2019
Return Since Launch: 13.74%
Benchmark: CRISIL Hybrid 35+65 Aggressive Index
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 3,849 Cr (As on 31-Oct-2021)
Expense: 1.95% (As on 31-Oct-2021)
Risk Grade: --
Return Grade: --
Turnover: 58.21%

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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