HealthyDirect · GrowthFit for a long SIP
Tata Dynamic Bond Fund
- NAV
- 38.2366
- 23 Sept 2022
- 1Y
- +5.7%
- Trailing CAGR
- AUM
- ₹43.24 Cr
- 30 Sept 2022
- Volatility
- Low
- 3.1% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 23 Sept 2022
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · Three-year return is above the category median.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
n/a
TER not on file yet.
Drawdown vs peers
Pass
Peak-to-trough -6.2%. Ask whether you can hold through a similar fall.
Vs category
Fail
13% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
n/a
Holdings weights not on file for this scheme yet.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+5.7%
- 3Y+7.4%
- 5Y+6.7%
- 10Yn/a
- SI+8.8%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+7.3%
- 3Y+6.6%
- 5Y+7.1%
- 10Yn/a
- Since inception
- +8.8%
- Calendar-day CAGR
- Excess 1Y
- +3.8%
- Category median, same plan and option
- 3Y win rate
- +13%
- Windows beating the median
- 3Y percentile
- 100
- Vs comparable share classes
- SIP 3Y XIRR
- +6.6%
- Simulated monthly SIP
- Worst rolling 3Y
- +5.3%
- 1627 daily-ending windows
- Median rolling 3Y
- +7.9%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 1144 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -6.2%
- Worst peak-to-trough
- Current
- 0.0%
- At peak
- Current spell
- 0 days
- Days below latest peak
- Time below peak
- +64%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 6 days
- 212 recovered episodes
- Longest recovery
- 150 days
- Trough to prior peak
27 May 2013 – 8 Oct 2013
Trough 19 Aug 2013 · recovered in 50 days
-6.2%
24 Nov 2016 – 26 May 2017
Trough 27 Dec 2016 · recovered in 150 days
-3.1%
9 Mar 2020 – 20 Apr 2020
Trough 19 Mar 2020 · recovered in 32 days
-2.6%
5 Aug 2020 – 3 Sept 2020
Trough 24 Aug 2020 · recovered in 10 days
-1.8%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
100
Vs category
74
Consistency
32
Risk-adjusted
72
Drawdown
85
Mean
72
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
No holdings or recent changes on file for this scheme yet.
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Quantum Dynamic Term Fund
Quantum Mutual Fund
- 1Y
- +2.0%
- 3Y
- +6.7%
- Vol
- 2.8%
- Max DD
- -3.2%
- Sharpe
- 0.52
- 3Y win
- +87%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Lower trailing returns
UTI - Dynamic Bond Fund ( Segregated - 17022020)
UTI Mutual Fund
- 1Y
- +339.5%
- 3Y
- n/a
- Vol
- n/a
- Max DD
- -24.2%
- Sharpe
- n/a
- 3Y win
- n/a
- Higher trailing returns
Caveat: Deeper drawdown