HealthyDirect · GrowthFit for a long SIP
Tata Income Fund
Tata Mutual FundDebt Scheme - Medium to Long Duration Fund13.8 years
- NAV
- 72.1992
- 23 Sept 2022
- 1Y
- +0.5%
- Trailing CAGR
- AUM
- ₹52.31 Cr
- 31 Aug 2026
- Volatility
- Low
- 3.2% 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 · Risk-adjusted return sits above the documented risk-free proxy.
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
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 -6.7%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
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
Watch
Top 10 holdings ≈ 92.0% of the portfolio.
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+0.5%
- 3Y+6.0%
- 5Y+5.9%
- 10Yn/a
- SI+7.8%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+1.2%
- 3Y+3.7%
- 5Y+5.6%
- 10Yn/a
- Since inception
- +7.8%
- Calendar-day CAGR
- Excess 1Y
- n/a
- Category median, same plan and option
- 3Y win rate
- n/a
- Windows beating the median
- 3Y percentile
- n/a
- Vs comparable share classes
- SIP 3Y XIRR
- +3.7%
- Simulated monthly SIP
- Worst rolling 3Y
- +5.5%
- 1627 daily-ending windows
- Median rolling 3Y
- +8.2%
- 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
- -6.7%
- Worst peak-to-trough
- Current
- -1.3%
- Below last peak
- Current spell
- 10 days
- Days below latest peak
- Time below peak
- +73%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 8 days
- 182 recovered episodes
- Longest recovery
- 147 days
- Trough to prior peak
27 May 2013 – 13 Jan 2014
Trough 19 Aug 2013 · recovered in 147 days
-6.7%
9 Mar 2020 – 21 Apr 2020
Trough 19 Mar 2020 · recovered in 33 days
-3.1%
24 Nov 2016 – 1 Jun 2017
Trough 10 Mar 2017 · recovered in 83 days
-3.0%
31 Mar 2022 – 17 Aug 2022
Trough 6 May 2022 · recovered in 103 days
-2.6%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
37
Vs category
n/a
Consistency
n/a
Risk-adjusted
55
Drawdown
83
Mean
58
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
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
31 Aug 2026 · 14 holdings · top 10 are 92.0%.
- Top 5
- 49.3%
- Top 10
- 92.0%
- Largest holding
- n/a
- Effective holdings
- n/a
Asset mix
Debt
93.4%
Cash
6.6%
Sectors
Financial
45.7%
Entities
28.6%
Energy & Utilities
9.6%
Industrials
9.5%
Unspecified
6.6%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Sept 2022