Tata India Consumer Fund-Regular Plan-Growth
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Outperformed category benchmark in 75% of historical 3-year rolling periods.
- Generated +2.2% annualized alpha (excess return) over its benchmark.
- Cost-efficient: expense ratio of 2.12% is lower than category median (2.52%).
- Over 11 years of operational history across different market cycles.
- Equities carry market risk; returns fluctuate and recommended investment horizon is 5+ years.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +5.65% | +6.32% | -0.67% |
| 3 Months | -0.54% | -0.20% | -0.34% |
| 6 Months | +8.55% | +5.98% | +2.57% |
| 1 Year | +5.78% | +3.90% | +1.88% |
| 3 Years CAGR | +13.29% | +13.23% | +0.06% |
| 5 Years CAGR | +12.24% | +10.72% | +1.52% |
| 7 Years CAGR | +15.35% | +15.35% | 0.00% |
| 10 Years CAGR | +16.42% | +14.26% | +2.16% |
| Since Inception | +15.53% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in Tata India Consumer Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +6.34% | +4.03% | +2.31% |
| 2025 | -2.12% | +1.43% | -3.55% |
| 2024 | +26.65% | +20.41% | +6.24% |
| 2023 | +35.76% | +30.70% | +5.06% |
| 2022 | +1.05% | +1.66% | -0.61% |
| 2021 | +27.46% | +30.31% | -2.85% |
| 2020 | +20.97% | +13.54% | +7.43% |
| 2019 | -1.98% | +7.11% | -9.09% |
| 2018 | -2.14% | -5.94% | +3.80% |
| 2017 | +73.29% | +39.22% | +34.07% |
| 2016 | +3.06% | +4.10% | -1.04% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -23.80% | +17.57% | +12.67% | +79.68% | 82.6% | 59.8% |
| 3-Year Rolling | +0.50% | +15.64% | +17.06% | +26.69% | 100.0% | 74.6% |
| 5-Year Rolling | +7.59% | +16.10% | +16.42% | +25.92% | 100.0% | 80.6% |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2018-08-31 | 2020-03-23 | -34.1% | 19 months | 8 months |
| 2024-09-23 | 2026-03-31 | -21.9% | 18 months | Not yet recovered |
| 2021-10-18 | 2022-06-17 | -19.9% | 8 months | 3 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Equity & equity related instruments of companies in the Consumer Macro Economic Sector^ 80% - 100%, Other Equity/Equity related instruments 0% - 20%, Money Market Instruments, other liquid instruments**, gold and/or silver instruments/ETF and in InvITs as permitted by SEBI 0% - 20%. The scheme may invest in another scheme under the same asset management company or any other mutual fund without charging any fees, provided that aggregate inter-scheme investment made by all schemes under the same management or in schemes under the management of any other asset management company shall not exceed 5% of the net asset value of the mutual fund. Such investments shall be made in the schemes which are permitted by SEBI from time to time. ** Other liquid instruments include cash, bank deposits with Scheduled Commercial Banks, Government Securities, Treasury bills, Repo on Government securities and any other instruments as specified by the SEBI. Units of Equity Mutual funds will be considered under allocation for Equity and Equity related instruments | Per Scheme Mandate |
Investment Objective & Strategy
The investment objective of the scheme is to seek long term capital appreciation by investing atleast 80% of its assets in equity/equity related instruments of the companies in the Consumption Oriented sectors in India.However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved.The Scheme does not assure or guarantee any returns.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 2,897 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as stretched relative to Sectoral / Thematic schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.
Closest Sectoral / Thematic Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| HSBC Business Cycles Fund | 5.6 | +15.23% | 2.32% | 129.0% | Rs 1,210 cr | Compare → |
| Aditya Birla Sun Life Business Cycle Fund | 5.5 | +13.03% | 2.46% | 96.6% | Rs 1,816 cr | Compare → |
| Invesco India Infrastructure Fund | 4.9 | +15.54% | 2.39% | 129.7% | Rs 1,483 cr | Compare → |
| UTI Banking and Financial Services Fund | 4.9 | +13.96% | 2.36% | 88.0% | Rs 1,442 cr | Compare → |
| DSP Banking & Financial Services Fund | 6.7 | - | 2.17% | 88.9% | Rs 2,201 cr | Compare → |
Frequently Asked Questions about Tata India Consumer Fund
What is the expense ratio of Tata India Consumer Fund?
Tata India Consumer Fund has a total expense ratio (TER) of 2.12% with a base expense ratio of 1.67%, compared to the Sectoral / Thematic category median of 2.52%.
Who manages Tata India Consumer Fund?
Tata India Consumer Fund is managed by Sonam Udasi (tenure: 10.6 years since 2016-04-01).
What are the historical returns of Tata India Consumer Fund?
Tata India Consumer Fund delivered a 3-year CAGR of 13.29% and a 5-year CAGR of 12.24%. Its 1-year return stands at +5.78%.
How large is Tata India Consumer Fund?
Tata India Consumer Fund manages assets of Rs 2,897 cr, placing it in the 'stretched' size band relative to Sectoral / Thematic peers.
How is Tata India Consumer Fund scored on MFIQ?
Tata India Consumer Fund holds an MFIQ Score of 5.9/10 (Average), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is Tata India Consumer Fund?
Tata India Consumer Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 14.40% with a maximum historical drawdown of -34.11%.