Tata Floating Rate Fund
NAV history
Scorecard
★★☆☆☆2/5 vs 11 of 10 Floater 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 Floater Fund (same plan and option). 11 of the 10 Floater Funds in this cohort carry the full record the stars need, so they are the ones ranked against.
3Y CAGR +7.11% · ranks 11 of 10 Floater Funds
Volatility 0.8% vs 0.9% category avg
0.7% expense vs 0.6% 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
- Less volatile than its Floater Fund peers (0.8% vs 0.9%)
- Consistent — positive in 100% of rolling 3-year windows
Concerns
- Weaker risk-adjusted returns — Sharpe 0.77 below the Floater Fund average of 1.11
- High expense ratio (0.71%) vs the Floater Fund average of 0.62%
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 Floater 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 (Floater Fund)
| Period | Fund | Category avg. | Diff |
|---|---|---|---|
| 1M abs | +0.45% | +0.44% | +0.01% |
| 3M abs | +2.21% | +2.45% | -0.24% |
| 6M abs | +2.91% | +3.22% | -0.31% |
| 1Y CAGR | +6.11% | +6.12% | -0.01% |
| 3Y CAGR | +7.11% | +7.50% | -0.39% |
| 5Y CAGR | +6.28% | +6.48% | -0.20% |
Category average across peers in Floater Fund (up to 10 funds with data), 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 10 peers in Floater Fund
Rolling returns
Return for every possible 1Y holding period, not just today’s
50 overlapping 1Y windows, sampled monthly across the fund’s history.
Calendar-year returns
What the fund actually returned in each year, not the smoothed average.
| Year | Fund | |
|---|---|---|
| 2026part | +3.63% | |
| 2025 | +7.54% | |
| 2024 | +7.78% | |
| 2023 | +6.99% | |
| 2022 | +4.46% | |
| 2021part | +1.53% |
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 +15% from its peak of ₹128.97Cr 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 Floating Rate 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 · 4h ago
Tata Mutual Fund resumes subscription for large investors in gold ETF, removes lumpsum limits for Gold ETF
The Economic Times · 5h ago
Gold ETF Inflow Curbs Lifted: HDFC, Axis, And Tata Mutual Funds Reopen Subscriptions
Outlook Money · 5h ago
Tata Mutual Fund resumes subscriptions to Tata Gold ETF, Gold ETF FOF
Moneycontrol.com · 7h ago
Tata Mutual Fund resumes large-investor Gold ETF subscriptions as bullion heads for third weekly gain
Moneycontrol.com · 7h 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
Gold vs silver: Why Tata MF prefers a 70:30 allocation despite silver’s long-term potential
Business Today · 6d 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 to governments and companies and earn interest. They're generally steadier than equity funds and are used for shorter horizons and stability.
Frequently asked questions
What is the NAV of Tata Floating Rate Fund?
As of 20 Aug 2026, the NAV of Tata Floating Rate Fund is ₹13.63 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.
What returns has Tata Floating Rate Fund delivered?
Tata Floating Rate Fund has returned +6.11% over 1 year, +7.11% per year over 3 years, +6.28% per year over 5 years and +6.25% 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 Floating Rate Fund?
Tata Floating Rate Fund charges an expense ratio of 0.71% 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 Floating Rate Fund?
Its largest holdings are Others IRS (64.4%), STATE DEVELOPMENT LOAN 33699 AP 06DC29 7.7 FV RS 100 (8.8%), EXPORT IMPORT BANK OF INDIA SR AA02 7.35 BD 27JL28 FVRS1LAC (8.6%), NATIONAL HOUSING BANK 7.59 BD 08SP27 FVRS1LAC (8.6%) and GOVERNMENT OF INDIA 37080 GOI 16FB31 6.36 FV RS 100 (8.5%). Holdings are disclosed monthly and change over time.
How risky is Tata Floating Rate Fund?
It is rated moderate on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 0.8% and its worst peak-to-trough fall in our sample was -0.6%. 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 0.77 mean?
The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. Tata Floating Rate Fund's 0.77 means it has rewarded its volatility with excess return. Higher is better.
What is the benchmark of Tata Floating Rate Fund?
Tata Floating Rate 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 Floating Rate Fund?
Tata Floating Rate Fund is managed by Akhil Mittal at Tata.
How is Tata Floating Rate Fund taxed?
Tata Floating Rate 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.