Tata Short Term Bond Fund
NAV history
Scorecard
★☆☆☆☆1/5 vs 26 Short Duration Fund peers- Performance 60%
- Risk 15%
- Cost 10%
- Downside 15%
How this is computed
Each verdict is computed from this fund's own metrics against its sub-category — the number behind it is shown, not a black-box rating. The stars weight the same ground 60/15/10/15 (performance/risk/cost/downside) across every fund in the peer group. Ranked within Short Duration Fund (same plan and option).
3Y CAGR +6.47% · ranks 24 of 26 Short Duration Funds
Volatility 1.0% vs 1.0% category avg
1.1% expense vs 0.9% category avg
100% of rolling 3Y windows were positive
Strengths & concerns
Generated from this fund's own numbers against its sub-category — each point names the figure behind it.
Strengths
- Consistent — positive in 100% of rolling 3-year windows
Concerns
- 5-year return (+5.47%) trails the Short Duration Fund average (+6.12%)
- Ranks #26 of 26 on 1-year return in its Short Duration Fund cohort
- Weaker risk-adjusted returns — Sharpe -0.03 below the Short Duration Fund average of 0.36
- High expense ratio (1.11%) vs the Short Duration Fund average of 0.95%
Key Metrics
Scheme Info
DefinitionsPeriod returns (<1Y, absolute — not annualized)
DefinitionsAnnualized returns (≥1Y — CAGR)
DefinitionsAdvanced metrics — risk
Risk (trailing 3Y)
DefinitionsBenchmark ratios
Not shown for Short Duration Fund — a debt, arbitrage or cash-like fund isn't measured against an equity index, so alpha/beta vs one would be noise rather than signal.
Fund vs category average (Short Duration Fund)
| Period | Fund | Category avg. | Diff |
|---|---|---|---|
| 1M abs | +0.38% | +0.39% | -0.01% |
| 3M abs | +2.15% | +2.37% | -0.22% |
| 6M abs | +2.44% | +2.61% | -0.17% |
| 1Y CAGR | +4.67% | +5.14% | -0.47% |
| 3Y CAGR | +6.47% | +6.92% | -0.45% |
| 5Y CAGR | +5.47% | +6.12% | -0.65% |
Category average across peers in Short Duration Fund (25 of 26 carry a figure for at least one period), same plan and option, excluding this fund. Under-1-year figures are absolute; 1Y and beyond are annualised (CAGR).
Not sure what a figure means? The glossary explains every metric, and the methodology shows the formulas.
Category rank
Vs 26 peers in Short Duration Fund
Rolling returns
Return for every possible 1Y holding period, not just today’s
233 overlapping 1Y windows, sampled monthly across the fund’s history.
Worst falls, and the wait to get back
How far this fund has dropped from a high, and how long it took to reclaim it.
- -5.3%03 Sep 2018 → 29 Oct 2018
Fell over 2 months, back to the old high on 27 May 2019 — 7 months under water after the low.
Measured on this fund’s own NAV history, peak to trough to the day it regained the peak. Falls shallower than 5% are left out. A recovery date is when the NAV got back, not when any particular investor did — that depends on when they bought.
Calendar-year returns
What the fund actually returned in each year, not the smoothed average.
| Year | Fund | |
|---|---|---|
| 2026part | +3.00% | |
| 2025 | +6.72% | |
| 2024 | +7.37% | |
| 2023 | +6.76% | |
| 2022 | +2.91% | |
| 2021 | +2.53% | |
| 2020 | +9.75% | |
| 2019 | +9.04% | |
| 2018 | -0.20% | |
| 2017 | +5.58% |
January–December, from this fund's NAV history. Absolute return, not annualised. “part” marks a year the fund didn't run end to end — its first year, the current year so far, or one it stopped reporting in.
Fund size over time
Quarterly average AUM · AMFIDown +9% from its peak of ₹3,322Cr in January - March 2026. Size matters most where the mandate is narrow — a large small-cap or a very large flexi-cap book is harder to move without moving the price.
Backtest this fund
What a SIP or one-time investment would have grown to over this fund’s real NAV history.
60 monthly installments of ₹10,000 into Tata Short Term Bond Fund, valued at the latest NAV. XIRR annualizes for each installment’s timing.
Taxation
Taxed as debtThis is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — every rupee of gain is added to your income and taxed at your income-tax slab rate, whatever the holding period.
Your income-tax slab — no LTCG or indexation benefit
Pick your slab to see the rate that applies to you.
Applies to capital gains on redemption. Excludes IDCW/dividend tax, STT, surcharge and cess, and pre-2018 equity grandfathering. For research only — consult a tax advisor before filing.
Tata in the news
Headlines about the fund house, not this scheme in particular — highlights only; tap through to read the full story at the source.
7 gold funds resume lump sum subscriptions in August. How have they performed?
Upstox · 1h ago
Tata MF lifts curbs on investment in gold ETFs
BusinessLine · 2h ago
Tata Mutual Fund resumes subscription for large investors in gold ETF, removes lumpsum limits for Gold ETF
The Economic Times · 3h ago
Gold ETF Inflow Curbs Lifted: HDFC, Axis, And Tata Mutual Funds Reopen Subscriptions
Outlook Money · 3h ago
Tata Mutual Fund resumes subscriptions to Tata Gold ETF, Gold ETF FOF
Moneycontrol.com · 4h ago
Tata Mutual Fund resumes large-investor Gold ETF subscriptions as bullion heads for third weekly gain
Moneycontrol.com · 5h ago
Gold and silver returns in 2026: Key growth drivers and right allocation strategy for long-term investors
livemint.com · 4d ago
Gold or silver in 2026? Tata MF says keep 70% in gold, 30% in silver
Business Standard · 4d ago
Returns and risk are computed from NAV history and may differ slightly from other portals due to methodology (rolling vs point-to-point, dividend treatment). For research only — not investment advice.
About Debt funds
Debt funds lend money to governments and companies and earn interest. They're generally steadier than equity funds; their risk comes from interest-rate moves and, for some, the creditworthiness of borrowers.
Frequently asked questions
What is the NAV of Tata Short Term Bond Fund?
As of 20 Aug 2026, the NAV of Tata Short Term Bond Fund is ₹50.50 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.
What returns has Tata Short Term Bond Fund delivered?
Tata Short Term Bond Fund has returned +4.67% over 1 year, +6.47% per year over 3 years, +5.47% per year over 5 years and +7.13% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.
What is the expense ratio of Tata Short Term Bond Fund?
Tata Short Term Bond Fund charges an expense ratio of 1.11% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.
What are the top holdings of Tata Short Term Bond Fund?
Its largest holdings are BANK OF BARODA CD 05MAR27 (8.2%), BHARTI TELECOM LIMITED SR XXV 7.35 NCD 15OT27 FVRS1LAC (5.1%), HDFC BANK LIMITED CD 05MAR27 (4.9%), BHARTI TELECOM LIMITED SR XIX 8.65 NCD 05NV27 FVRS1LAC (4.3%) and EXPORT IMPORT BANK OF INDIA SR Z01 7.45 BD 12AP28 FVRS1LAC (4.3%). Holdings are disclosed monthly and change over time.
How risky is Tata Short Term Bond Fund?
It is rated low to moderate on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 1.0% and its worst peak-to-trough fall in our sample was -5.3%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.
What does the Sharpe ratio of -0.03 mean?
The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. Tata Short Term Bond Fund's -0.03 means it has not compensated investors for its volatility over the window. Higher is better.
What is the benchmark of Tata Short Term Bond Fund?
Tata Short Term Bond Fund is benchmarked against the CRISIL Short Duration Debt A-II Index. Its alpha and beta on this page are measured against that index.
Who manages Tata Short Term Bond Fund?
Tata Short Term Bond Fund is managed by Amit Somani and Dhawal Joshi at Tata.
How is Tata Short Term Bond Fund taxed?
Tata Short Term Bond Fund is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — capital gains are added to your income and taxed at your income-tax slab rate regardless of how long you held the units.