Tata Housing Opportunities Fund
- NAV as on 6 Nov 2026
- ₹15.10+1.01%1 day
- Return since launch
- 10.2%
- 52-week range
- ₹12.66 — ₹15.38
- AUM
- ₹451 Cr
Tata Housing Opportunities Fund is a Thematic equity fund from Tata Mutual Fund with ₹451 Cr under management, launched in 2022. Over three years it has returned 2.1% a year, against 11.2% for its category. The expense ratio is 2.61% and the SEBI riskometer reading is Very High.
Performance
Tata Housing Opportunities Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned -0.7% against -5.0% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 6.7% | +4.5 pts | 2.1% | 2.0% |
| 2Y | 3.0% | −3.1 pts | 6.1% | -0.7% |
| 3Y | 2.1% | −9.1 pts | 11.2% | -0.6% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 6.4% | +2.0 pts | 4.5% | 7.2% |
| 3M | -0.5% | +1.1 pts | -1.7% | -2.3% |
| 6M | 1.5% | 0.0 pts | 1.5% | 0.1% |
| 1Y | -0.7% | −2.8 pts | 2.1% | -5.2% |
| 2Y | -2.2% | −5.0 pts | 2.8% | -3.3% |
| 3Y | 6.9% | −4.3 pts | 11.2% | 5.2% |
Since launch (16 Aug 2022): 10.2%
Calendar-year returns
Category averageShow as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | -3.6% | −6.6 pts | 3.0% |
| 2024 | 12.0% | −7.7 pts | 19.8% |
| 2023 | 39.2% | +7.1 pts | 32.0% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
2.59%
Expense ratio as on 6 Nov 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 2.09%
- Brokerage
- 0.05%
- Transaction charges
- 0.00%
- Statutory levies
- 0.45%
- Exit load
- Exit load of 1%, if redeemed within 30 days.
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- Nifty Housing TRI
- Short-term capital gains
- Returns taxed at 20% if you redeem before 1 year
- Long-term capital gains
- After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Your principal is treated as being at very high risk — typically small cap, sectoral and thematic equity schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | -5.11 | 7.08 | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | 1.16 | 1.08 | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.04 | 0.59 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.06 | 0.94 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 19.04 | 20.16 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 5 category peers | |||
Portfolio
Tata Housing Opportunities Fund portfolio
Portfolio as of 30 Sep 2026
Asset allocation
- Equity95.8%
- Other4.2%
Market cap split
- Large59.3%
- Mid16.8%
- Small23.9%
- P/E
- 20.91
- P/B
- 2.67
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| HDFC Bank Ltd. | Financial | 9.38% | ₹42.30 Cr | +9.88% | +8.87% | +9.78% |
| Ultratech Cement Ltd. | Materials | 8.45% | ₹38.09 Cr | +8.11% | +8.91% | +4.33% |
| ICICI Bank Ltd. | Financial | 7.04% | ₹31.72 Cr | +8.98% | +6.91% | +4.77% |
| Larsen & Toubro Ltd. | Construction | 5.57% | ₹25.13 Cr | +5.74% | +8.07% | +5.92% |
| NTPC Ltd. | Energy | 5.44% | ₹24.54 Cr | +5.62% | +6.72% | — |
| Prestige Estates Projects Ltd. | Construction | 5.09% | ₹22.97 Cr | +5.03% | +4.17% | +6.30% |
| JSW Steel Ltd. | Metals & Mining | 4.86% | ₹21.90 Cr | +4.44% | +4.68% | — |
| Venus Pipes & Tubes Ltd. | Metals & Mining | 4.70% | ₹21.17 Cr | +3.54% | +3.51% | +1.00% |
| Others | Others | 4.19% | ₹18.82 Cr | +14.58% | +8.56% | +6.98% |
| Petronet LNG Ltd. | Energy | 3.79% | ₹17.07 Cr | +2.04% | — | — |
| Ambuja Cements Ltd. | Materials | 3.37% | ₹15.21 Cr | +3.56% | +3.89% | +4.44% |
| PG Electroplast Ltd. | Capital Goods | 3.17% | ₹14.31 Cr | +3.21% | +4.30% | — |
| Asian Paints Ltd. | Materials | 3.15% | ₹14.19 Cr | +1.30% | +1.23% | +4.44% |
| Voltas Ltd. | Consumer Discretionary | 2.73% | ₹12.31 Cr | +3.05% | — | +3.42% |
| Kotak Mahindra Bank Ltd. | Financial | 2.64% | ₹11.88 Cr | +2.32% | — | +2.10% |
| Diamond Power Infrastructure Ltd. | Capital Goods | 2.42% | ₹10.92 Cr | — | — | — |
| Keystone Realtors Ltd | Construction | 2.27% | ₹10.24 Cr | +2.46% | +2.53% | — |
| Orient Electric Ltd. | Consumer Discretionary | 2.26% | ₹10.20 Cr | +2.35% | +2.41% | +2.42% |
| Home First Finance Company India Ltd. | Financial | 2.25% | ₹10.13 Cr | +2.17% | — | — |
| Adani Energy Solutions Ltd. | Energy | 2.07% | ₹9.34 Cr | +2.20% | — | — |
| State Bank of India | Financial | 1.92% | ₹8.64 Cr | +1.92% | +2.10% | +3.17% |
| IDFC First Bank Ltd. | Financial | 1.82% | ₹8.23 Cr | +1.66% | +1.42% | — |
| Tata Steel Ltd. | Metals & Mining | 1.82% | ₹8.21 Cr | +1.74% | — | — |
| Aavas Financiers Ltd. | Financial | 1.73% | ₹7.81 Cr | +2.03% | +1.66% | +2.02% |
| Godrej Properties Ltd. | Construction | 1.52% | ₹6.84 Cr | +1.63% | +1.47% | +1.58% |
| JSW Dulux Ltd. | Materials | 1.47% | ₹6.62 Cr | +1.44% | +1.46% | — |
| Bajaj Electricals Ltd. | Consumer Discretionary | 1.19% | ₹5.38 Cr | — | — | — |
| LG Electronics India Ltd. | Consumer Discretionary | 1.15% | ₹5.19 Cr | +0.97% | +1.03% | — |
| Jindal Steel Ltd. | Metals & Mining | 1.10% | ₹4.95 Cr | +0.96% | +1.16% | — |
| The Ramco Cements Ltd. | Materials | 0.96% | ₹4.33 Cr | +0.99% | +1.12% | +0.97% |
| TARC Ltd. | Construction | 0.48% | ₹2.18 Cr | +0.45% | +1.13% | +2.10% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Others | 5.04% | 3.73% | -1.31% |
| Venus Pipes & Tubes Ltd. | 3.39% | 4.70% | +1.31% |
| HDFC Bank Ltd. | 8.85% | 9.38% | +0.53% |
| PG Electroplast Ltd. | 3.52% | 3.17% | -0.35% |
| Godrej Properties Ltd. | 1.77% | 1.52% | -0.25% |
| ICICI Bank Ltd. | 7.29% | 7.04% | -0.25% |
| NTPC Ltd. | 5.20% | 5.44% | +0.24% |
| Prestige Estates Projects Ltd. | 5.29% | 5.09% | -0.20% |
| Diamond Power Infrastructure Ltd. | 2.24% | 2.42% | +0.18% |
| Orient Electric Ltd. | 2.43% | 2.26% | -0.17% |
| Kotak Mahindra Bank Ltd. | 2.50% | 2.64% | +0.14% |
| Voltas Ltd. | 2.87% | 2.73% | -0.14% |
| Asian Paints Ltd. | 3.28% | 3.15% | -0.13% |
| Ultratech Cement Ltd. | 8.32% | 8.45% | +0.13% |
| Tata Steel Ltd. | 1.72% | 1.82% | +0.10% |
| JSW Steel Ltd. | 4.78% | 4.86% | +0.08% |
| Larsen & Toubro Ltd. | 5.65% | 5.57% | -0.08% |
| LG Electronics India Ltd. | 1.07% | 1.15% | +0.08% |
| State Bank of India | 1.99% | 1.92% | -0.07% |
| JSW Dulux Ltd. | 1.42% | 1.47% | +0.05% |
| TARC Ltd. | 0.43% | 0.48% | +0.05% |
| Adani Energy Solutions Ltd. | 2.11% | 2.07% | -0.04% |
| Ambuja Cements Ltd. | 3.41% | 3.37% | -0.04% |
| Aavas Financiers Ltd. | 1.70% | 1.73% | +0.03% |
| Home First Finance Company India Ltd. | 2.23% | 2.25% | +0.02% |
| Keystone Realtors Ltd | 2.25% | 2.27% | +0.02% |
| Petronet LNG Ltd. | 3.77% | 3.79% | +0.02% |
| The Ramco Cements Ltd. | 0.94% | 0.96% | +0.02% |
| Bajaj Electricals Ltd. | 1.20% | 1.19% | -0.01% |
| Jindal Steel Ltd. | 1.09% | 1.10% | +0.01% |
| IDFC First Bank Ltd. | 1.82% | 1.82% | 0.00% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹3,913 Cr | 2.21% | 11.1% | 11.5% | 13.0% |
 HDFC Defence Fund | ₹11,493 Cr | 1.79% | 17.4% | 20.2% | — |
 ICICI Prudential Commodities Fund | ₹4,133 Cr | 1.96% | -1.6% | 6.8% | 12.0% |
| ICICI Prudential Exports and Services Fund | ₹1,454 Cr | 2.28% | 7.0% | 7.5% | 12.9% |
 Edelweiss Recently Listed IPO Fund | ₹1,276 Cr | 2.69% | 29.4% | 15.2% | 15.4% |
 SBI Comma Fund | ₹1,208 Cr | 2.31% | 3.4% | 8.0% | 11.6% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The scheme seeks to generate long-term capital appreciation by investing predominantly in equity and equity related instruments of entities engaged in and/or expected to benefit from the growth in housing theme.
Fund managers
- Aditya BagulMr. Bagul has done B.Com, CA and CFAPrior to joining Tata Mutual Fund, he has worked with Axis Capital Ltd., Ambit Capital and Reliance Capital
- Kapil MalhotraMr.Malhotra has done B.Sc(Hons.) in Business and Administration and MBA(PGPEM)Prior to joining Tata Mutual Fund, he has worked with Trust Financial Consultancy Services Pvt Ltd., Avvanti Advisors Pvt. Ltd.and SHK India Pvt Ltd
- Murthy NagarajanMr. Nagarajan is a M.Com, ICWA and PGPMS.Prior to joining Tata AMC he has worked with Quantum AMC as head fixed income, Mirae Asset Global Investment India Ltd..
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months1.47% absolute | ₹60,000 | ₹60,882 | 1.47% | |
| 1 year−0.72% annualised | ₹1,20,000 | ₹1,19,533 | −0.39% | |
| 3 years6.89% annualised | ₹3,60,000 | ₹4,00,931 | 11.37% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.