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Tata Income Fund - Regular Plan

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Debt: Medium to Long Duration

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1 Lakh

Investment Grown to
₹ 1.11 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.25 Lakh

Suitability:

Medium to Long Duration debt funds invest mainly in bonds maturing in four to seven years. They aim to earn better returns than bank fixed deposits of a similar duration. The risk of incurring a loss in these funds over the said time frame is low, but they may experience some degree of volatility in response to changes in interest rates.

Retail investors can avoid these funds altogether. We believe that Short Duration funds are a better alternative for the fixed-income allocation in an investor’s portfolio.

We also believe that investors with an investment horizon of more than three years may consider investing some portion of their money in equity funds to earn higher returns. They witness more severe ups and downs than debt funds but the possibility of incurring a loss reduces with an increase in one’s investment horizon.

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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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 -0.10 0.06 0.05 0.07 0.73 2.25 10.72 7.80 7.64 8.18 8.29
VR Bond 0.09 -0.03 0.06 0.30 1.29 1.73 7.27 7.27 7.17 7.64 7.57
Debt: Medium to Long Duration -0.18 0.01 0.06 0.08 0.87 1.99 9.62 7.44 7.55 8.10 8.01
Rank within category 5 1 8 8 6 7 4 10 9 9 9
Number of funds in category 14 14 14 14 14 14 14 14 14 14 14

As on 25-Jan-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Tata Income Fund - Regular Plan  | Invest Online
3 star
 Apr-97 10.72 7.80 7.64 1.95 57
ICICI Prudential Bond Fund  | Invest Now
4 star
 Aug-08 10.51 8.75 8.53 1.20 4,081
SBI Magnum Income Fund  | Invest Online
5 star
 Nov-98 10.73 9.22 9.27 1.46 1,766
IDFC Bond Fund Income Plan - Regular Plan
4 star
 Jul-00 10.65 9.36 8.67 1.97 705
Nippon India Income Fund  | Invest Online
4 star
 Jan-98 9.85 9.34 8.72 1.73 422

Best & Worst Performance

Best (Period) Worst (Period)
Week 6.94 (19-Oct-2005 - 26-Oct-2005) -5.41 (02-Jan-2009 - 09-Jan-2009)
Month 8.26 (05-Oct-2005 - 04-Nov-2005) -6.10 (05-Jan-2009 - 04-Feb-2009)
Quarter 12.24 (03-Oct-2008 - 02-Jan-2009) -7.26 (05-Jan-2009 - 06-Apr-2009)
Year 17.44 (25-Jan-1999 - 25-Jan-2000) -6.73 (02-Jan-2009 - 04-Jan-2010)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 7.58 3.03 0.92 1.93 1.22 -0.05
VR Bond 7.10 2.02 1.15 1.94 -- --
Debt: Medium to Long Duration 7.30 3.56 0.93 1.79 1.25 -0.38
Rank within category 10 5 9 9 6 9
Number of funds in category 14 14 14 14 14 14

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

As on 31-Dec-2020

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 12 26 12 29
Modified Duration (yrs) 4.09 5.51 4.09 5.34
Average Maturity (yrs) 6.58 8.67 6.58 7.21
Yield to Maturity (%) 5.78 7.24 5.78 5.78
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 8.55% IRFC 21/02/2029 Non Convertible Debenture AAA 8.31 - 12.24 9.96
equal 9.10% Power Finance Corp. 23/03/2029 Non Convertible Debenture AAA 8.36 - 12.06 9.96
equal 8.30% SBI Cards & Payments Services 17/05/2023 Bonds/Debentures AAA 7.73 - 11.14 9.41
equal 7.44% Bank of Baroda 2030 Debenture AAA 7.80 - 11.26 9.36
equal 7.32% NTPC 17/07/2029 Non Convertible Debenture AAA 0.00 - 11.50 9.35
equal 7.35% Nat. Highways Authority 28/04/2030 Debenture AAA 0.00 - 11.27 9.24
equal 7.55% REC 2030 Debenture AAA 0.00 - 11.16 9.22
equal 8.70% LIC Housing Fin. 23/03/2029 Debenture AAA 0.00 - 7.13 5.91
equal 6.24% State Bank of India 21/09/2030 Non Convertible Debenture AAA 0.00 - 5.85 5.43
equal 7.69% GOI 17/06/2043 Central Government Loan SOV 1.18 - 1.75 1.43
down 5.77% GOI 2030 GOI Securities SOV 0.00 - 7.64 0.24
equal 6.84% GOI 19/12/2022 GOI Securities SOV 0.03 - 0.05 0.04

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-Dec-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:

Invest Online
0.06%

Change from previous, NAV as on 25-Jan-2021

Growth: ₹ 65.2578

Dividend Yearly: ₹ 37.8791

Dividend Half Yearly: ₹ 15.0442

Investment Strategy

The Scheme seeks to provide income distribution/capital appreciation over medium to long term.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 500
Minimum Balance (₹) --
Exit Load 1% for redemption within 364 days

Basic Details

Fund House: Tata Mutual Fund
Launch Date: 28-Apr-1997
Return Since Launch: 8.21%
Benchmark: CRISIL Medium to Long Term Debt
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 57 Cr (As on 31-Dec-2020)
Expense: 1.95% (As on 31-Dec-2020)
Risk Grade: Below Average
Return Grade: Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Half Yearly11-Mar-20200.2593

 09-Sep-20190.2700
 13-Mar-20190.2881
 14-Sep-20170.3322
 14-Sep-20160.3178
 15-Mar-20160.3178
 15-Sep-20150.2354
 16-Mar-20150.2880
 16-Sep-20140.3109
 18-Mar-20140.3006
 23-Sep-20130.3228
 18-Mar-20130.3495
 18-Sep-20120.3533
 19-Mar-20120.3295
 19-Sep-20110.3572
 18-Mar-20110.1299
 17-Sep-20100.1815
 18-Mar-20100.0655
 19-Mar-20090.1748
 30-Sep-20080.2340
 19-Mar-20080.4033
 17-Sep-20070.2171
 20-Mar-20070.2102
 26-Sep-20060.2271
 21-Mar-20060.1750
Dividend Quarterly14-Sep-20170.1300

 15-Jun-20170.1445
 16-Dec-20160.1445
 14-Sep-20160.1445
 14-Jun-20160.1228
 15-Mar-20160.1517
 23-Dec-20150.1047
 15-Sep-20150.1441
 16-Jun-20150.1456
 16-Mar-20150.1432
 16-Dec-20140.1448
 16-Sep-20140.1555
 17-Jun-20140.1555
 18-Mar-20140.1555
 17-Dec-20130.1452
 23-Sep-20130.1622
 20-Jun-20130.1605
 18-Mar-20130.1699
 20-Dec-20120.1795
 18-Sep-20120.1665
 18-Jun-20120.1647
 19-Mar-20120.1629
 21-Dec-20110.1554
 20-Sep-20110.1318
 20-Jun-20110.1815
Dividend Yearly26-Mar-20027.0000

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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