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TATA Banking & Financial Services Fund Direct Plan - Reinvestment of Income Distribution cum capital withdrawal option
★★★★★ 3rd-party
External rating
- Source: Third-party data provider (Groww/CRISIL)
- Original rating: 3/5, displayed as-is — TopFund does not modify third-party ratings
- Refresh frequency: Whenever TopFund re-syncs this fund's data
- Limitations: The provider's own rating methodology isn't disclosed here — see the provider's own site for their criteria
TopFund Score: 72/100 · Good
How this score is calculated
- Star rating (35%)3/5
- 3Y CAGR (30%)12.57%
- Expense ratio (20%)0.92%
- AUM (15%)₹3,181 Cr
Not investment advice — an analytical read of public fund data. Methodology →
Tata Mutual Fund · Equity · Sectoral
₹52.63
AUM: ₹3,180 Cr
NAV updated 19 days ago
Plan
Direct
Option
Growth
Risk
Very High
Expense Ratio
0.92%
Exit Load
Exit load of 0.25% if redeemed within 30 days.
Fund Manager
Pradeep Gokhale, Sonam Udasi
Inception
Dec 2015
Benchmark
NIFTY Financial Services Total Return Index
Sharpe Ratio
-0.14
Std Dev (1Y)
17.19%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
+0.69%
3m
+7.93%
6m
+3.47%
1y
+7.99%
3y
+12.57%
5y
+12.72%
10y
+14.56%
since inception
+16.41%
TopFund's Take on TATA Banking & Financial Services Fund Direct Plan - Reinvestment of Income Distribution cum capital withdrawal option
TATA Banking & Financial Services Fund Direct Plan - Reinvestment of Income Distribution cum capital withdrawal option holds up reasonably well within the Sectoral category, currently carrying a 3-star rating. It has delivered steady, if unspectacular, returns over a full market cycle. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 72/100.
Cost: At 0.92%, the expense ratio is roughly in line with the Sectoral category average of 0.99% — cost isn't a standout factor either way for this fund.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -0.14 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, annualised volatility of 17.19% is fairly typical for Sectoral funds.
Who should invest: This fund is best suited to investors whose goals and risk appetite align with a Equity fund. Given the Very High risk rating, this fund is not suited to short-term goals or investors who may need to exit within 2-3 years.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
Sector Allocation
Asset Allocation
Fund Snapshot
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Tools & Guides for This Fund
Frequently Asked Questions about TATA Banking & Financial Services Fund Direct Plan - Reinvestment of Income Distribution cum capital withdrawal option
The current NAV (Net Asset Value) of TATA Banking & Financial Services Fund Direct Plan - Reinvestment of Income Distribution cum capital withdrawal option is ₹52.63. NAV is updated every business day after market close by AMFI.
1Y: 7.99% · 3Y CAGR: 12.57% · 5Y CAGR: 12.72%
The expense ratio of TATA Banking & Financial Services Fund Direct Plan - Reinvestment of Income Distribution cum capital withdrawal option is 0.92% per annum. This is the annual fee charged by the fund to manage your investment.
TATA Banking & Financial Services Fund Direct Plan - Reinvestment of Income Distribution cum capital withdrawal option is managed by Pradeep Gokhale, Sonam Udasi at Tata Mutual Fund.
TATA Banking & Financial Services Fund Direct Plan - Reinvestment of Income Distribution cum capital withdrawal option is classified as a Very High risk fund. It is suitable for aggressive investors with a long-term horizon of 5+ years.
TATA Banking & Financial Services Fund Direct Plan - Reinvestment of Income Distribution cum capital withdrawal option is a Sectoral fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in TATA Banking & Financial Services Fund Direct Plan - Reinvestment of Income Distribution cum capital withdrawal option with as little as ₹500 per month through most mutual fund platforms. The minimum lump sum investment is typically ₹1,000.
The Assets Under Management (AUM) of TATA Banking & Financial Services Fund Direct Plan - Reinvestment of Income Distribution cum capital withdrawal option is ₹3,181 crore. AUM indicates the total market value of assets managed by the fund.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.
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