Tata Short Term Fund
- NAV as on 9 Nov 2026
- ₹50.70+0.06%1 day
- Return since launch
- 6.9%
- 52-week range
- ₹48.85 — ₹50.68
- AUM
- ₹2,868 Cr
Tata Short Term Fund is a Short Duration debt fund from Tata Mutual Fund with ₹2,868 Cr under management, launched in 2002. Over three years it has returned 5.3% a year, against 6.7% for its category. The expense ratio is 1.11% and the SEBI riskometer reading is Moderate.
Performance
Tata Short Term Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +3.7% against +4.3% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 3.8% | −0.5 pts | 4.3% | 4.5% |
| 2Y | 4.5% | −0.6 pts | 5.1% | 5.2% |
| 3Y | 5.3% | −1.4 pts | 6.7% | 6.0% |
| 5Y | 5.8% | −0.3 pts | 6.0% | 6.3% |
| 7Y | 5.6% | −0.6 pts | 6.2% | 6.0% |
| 10Y | 5.6% | −0.7 pts | 6.2% | 6.2% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 0.4% | −0.1 pts | 0.5% | 0.5% |
| 3M | 0.3% | −0.2 pts | 0.4% | 0.4% |
| 6M | 2.2% | −0.4 pts | 2.6% | 2.7% |
| 1Y | 3.7% | −0.6 pts | 4.3% | 4.3% |
| 2Y | 5.5% | −0.6 pts | 6.0% | 6.2% |
| 3Y | 6.2% | −0.5 pts | 6.7% | 6.7% |
| 5Y | 5.5% | −0.6 pts | 6.0% | 5.8% |
| 7Y | 5.7% | −0.5 pts | 6.2% | 6.0% |
| 10Y | 5.4% | −0.8 pts | 6.2% | 6.4% |
Since launch (8 Aug 2002): 6.9%
Calendar-year returns
Category averageShow as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 6.7% | −1.4 pts | 8.1% |
| 2024 | 7.3% | −1.0 pts | 8.3% |
| 2023 | 6.8% | −0.6 pts | 7.3% |
| 2022 | 2.9% | −2.1 pts | 5.0% |
| 2021 | 2.5% | −2.0 pts | 4.5% |
| 2020 | 9.8% | 0.0 pts | 9.8% |
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
1.11%
Expense ratio as on 6 Nov 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.02%
- Brokerage
- 0.01%
- Transaction charges
- 0.00%
- Statutory levies
- 0.08%
- Exit load
- Exit load of 2% if redeemed within 12 months
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- CRISIL Short Duration Debt A-II Index
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Your principal is treated as being at moderate risk — typically medium duration debt and conservative hybrid schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | — | — | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | 1.08 | — | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.25 | 0.83 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.40 | 1.36 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 1.37 | 1.37 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 5 category peers | |||
Portfolio
Tata Short Term Fund portfolio
Portfolio as of 30 Sep 2026
Asset allocation
- Debt96.9%
- Other3.1%
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Power Finance Corporation Ltd. | Financial | 8.18% | ₹238 Cr | +5.14% | +5.40% | +6.16% |
| Small Industries Devp. Bank of India Ltd. | Financial | 7.26% | ₹211 Cr | +1.72% | +1.80% | +1.54% |
| REC Ltd. | Financial | 5.98% | ₹174 Cr | +3.44% | +3.58% | +3.08% |
| Canara Bank | Financial | 5.87% | ₹171 Cr | — | — | — |
| Export-Import Bank Of India | Financial | 5.14% | ₹150 Cr | +4.30% | +3.60% | +1.54% |
| Others | Others | 4.60% | ₹134 Cr | +1.02% | +1.05% | +0.87% |
| Mindspace Business Parks REIT | Construction | 4.28% | ₹125 Cr | +0.68% | +0.71% | +0.60% |
| Indian Railway Finance Corporation Ltd. | Financial | 4.05% | ₹118 Cr | +0.88% | +0.92% | +0.79% |
| Bharti Telecom Ltd. | Communication | 3.53% | ₹103 Cr | +4.30% | +4.53% | +3.87% |
| GOI | Sovereign | 3.49% | ₹102 Cr | +3.53% | +8.03% | +6.95% |
| National Housing Bank | Financial | 3.44% | ₹100 Cr | +3.44% | +3.60% | +7.69% |
| National Bank For Agriculture & Rural Development | Financial | 3.42% | ₹99.45 Cr | +3.43% | +3.57% | +2.28% |
| Bajaj Housing Finance Ltd. | Financial | 3.41% | ₹99.37 Cr | +3.42% | +3.59% | +3.07% |
| Bank Of Baroda | Financial | 2.50% | ₹72.88 Cr | +8.16% | — | — |
| Andhra Pradesh State | Financial | 1.83% | ₹53.39 Cr | +1.85% | +1.91% | +1.64% |
| Liquid Gold Series 7 | Others | 1.73% | ₹50.46 Cr | +2.01% | +2.51% | — |
| Jamnagar Utilities and Power Pvt. Ltd. | Capital Goods | 1.72% | ₹49.98 Cr | +1.72% | +1.80% | +1.54% |
| Nomura Capital (India) Pvt Ltd. | Financial | 1.72% | ₹50.12 Cr | +1.72% | +1.80% | +1.53% |
| LIC Housing Finance Ltd. | Financial | 1.71% | ₹49.75 Cr | +6.76% | — | +1.54% |
| Bajaj Finance Ltd. | Financial | 1.70% | ₹49.42 Cr | — | — | — |
| Liquid Gold Series | Financial | 1.22% | ₹35.39 Cr | — | — | — |
| Tata Capital Housing Finance Ltd. | Financial | 0.85% | ₹24.61 Cr | +0.85% | +0.90% | +0.77% |
| Maharashtra State | Others | 0.82% | ₹23.90 Cr | +0.84% | +0.18% | +0.16% |
| India Universal Trust AL1 | Others | 0.57% | ₹16.72 Cr | +0.71% | +0.81% | +0.81% |
| Sansar Trust | Others | 0.28% | ₹8.20 Cr | +0.46% | +0.71% | +1.16% |
| Tata Nifty SDL Plus AAA PSU Bond Dec 2027 60:40 Index Fund Direct - Growth | Unclassified | 0.23% | ₹6.65 Cr | +0.22% | +0.23% | +0.19% |
| Gujarat State | Construction | 0.10% | ₹2.92 Cr | +0.10% | +0.11% | +0.09% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Canara Bank | 0.00% | 5.87% | +5.87% |
| company:5775 | 3.40% | 0.00% | -3.40% |
| Bajaj Finance Ltd. | 0.00% | 1.70% | +1.70% |
| Small Industries Devp. Bank of India Ltd. | 3.35% | 4.70% | +1.35% |
| LIC Housing Finance Ltd. | 1.70% | 0.85% | -0.85% |
| India Universal Trust AL1 | 0.64% | 0.57% | -0.07% |
| Sansar Trust | 0.33% | 0.28% | -0.05% |
| Liquid Gold Series 7 | 1.76% | 1.73% | -0.03% |
| REC Ltd. | 1.69% | 1.72% | +0.03% |
| Bank Of Baroda | 2.48% | 2.50% | +0.02% |
| National Housing Bank | 3.42% | 3.44% | +0.02% |
| GOI | 3.51% | 3.49% | -0.02% |
| Power Finance Corporation Ltd. | 4.74% | 4.76% | +0.02% |
| Mindspace Business Parks REIT | 4.27% | 4.28% | +0.01% |
| Andhra Pradesh State | 1.84% | 1.83% | -0.01% |
| Jamnagar Utilities and Power Pvt. Ltd. | 1.71% | 1.72% | +0.01% |
| Liquid Gold Series | 1.23% | 1.22% | -0.01% |
| Maharashtra State | 0.83% | 0.82% | -0.01% |
| Nomura Capital (India) Pvt Ltd. | 1.71% | 1.72% | +0.01% |
| Others | 0.34% | 0.35% | +0.01% |
| Bharti Telecom Ltd. | 3.52% | 3.53% | +0.01% |
| Export-Import Bank Of India | 5.13% | 5.14% | +0.01% |
| Indian Railway Finance Corporation Ltd. | 4.04% | 4.05% | +0.01% |
| National Bank For Agriculture & Rural Development | 3.41% | 3.42% | +0.01% |
| Bajaj Housing Finance Ltd. | 3.41% | 3.41% | 0.00% |
| Gujarat State | 0.10% | 0.10% | 0.00% |
| Tata Capital Housing Finance Ltd. | 0.85% | 0.85% | 0.00% |
| Tata Nifty SDL Plus AAA PSU Bond Dec 2027 60:40 Index Fund Direct - Growth | 0.23% | 0.23% | 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 | ₹7,266 Cr | 0.78% | 5.1% | 6.3% | 6.6% |
 ICICI Prudential Short Term Fund | ₹18,468 Cr | 1.03% | 4.7% | 6.3% | 6.7% |
 Bandhan Short Term Fund | ₹8,628 Cr | 0.86% | 5.3% | 6.4% | 6.6% |
 Axis Short Term Fund | ₹7,395 Cr | 0.95% | 5.0% | 6.5% | 6.7% |
 Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund | ₹1,651 Cr | 0.33% | 6.0% | — | — |
 Sundaram Short Term Fund | ₹190 Cr | 0.73% | 4.7% | 6.0% | 6.3% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The scheme seeks to generate regular income/appreciation over a short term period.
Fund managers
- Amit SomaniMr.Somani is a B.Com, PGDBM and CFA.Prior to joining Tata Asset Management Ltd in 2010 he has worked with Fidelity Investments Netscribes Pvt. ltd, SPA Capital and Khandwala Securities.
- Dhawal JoshiBachelor of Engineering (IT), MMS (Finance)Prior to joining the Tata AMC, he was associated with A.K Capital Services Ltd, Crest Capital 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 months2.22% absolute | ₹60,000 | ₹61,332 | 2.22% | |
| 1 year3.71% annualised | ₹1,20,000 | ₹1,22,439 | 2.03% | |
| 3 years6.18% annualised | ₹3,60,000 | ₹3,96,453 | 10.13% | |
| 5 years5.46% annualised | ₹6,00,000 | ₹6,91,234 | 15.21% |
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.