Tata CRISIL-IBX Financial Services 3-6 Months Debt Index Fund
This is the Direct plan of Tata CRISIL-IBX Financial Services 3-6 Months Debt Index Fund — bought from the fund house, with no distributor commission in its expense ratio. Income is retained in the fund, so it shows up as NAV rather than as a payout.
NAV history
Scorecard
Not ratedHow 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. Not rated — this fund has no full year of NAV history yet. A rating needs at least a 1-year return to rank its performance against peers.
No 3-year record to rank on yet
Volatility 0.6% vs 1.3% category avg
0.2% expense vs 0.2% category avg
Not enough history for a rolling 3Y view
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 Index Funds peers (0.6% vs 1.3%)
Concerns
- High expense ratio (0.21%) vs the Index Funds average of 0.19%
Key Metrics
Scheme Info
DefinitionsPeriod returns (<1Y, absolute — not annualized)
DefinitionsAnnualized returns (≥1Y — CAGR)
DefinitionsAdvanced metrics — risk
Fund vs category average (Index Funds)
| Period | Fund | Category avg. | Diff |
|---|---|---|---|
| 1M abs | +0.44% | +0.53% | -0.09% |
| 3M abs | — | +0.40% | — |
| 6M abs | — | +2.75% | — |
| 1Y CAGR | — | +4.83% | — |
| 3Y CAGR | — | +7.32% | — |
| 5Y CAGR | — | — | — |
Category average across peers in Index Funds (95 of 96 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.
Backtest this fund
What a SIP or one-time investment would have grown to over this fund’s real NAV history.
Pick a longer period to plot the path.
1 monthly installments of ₹10,000 into Tata CRISIL-IBX Financial Services 3-6 Months Debt Index 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.
Asset allocation
As on 31 Oct 2026 · AMC disclosure- Debt98.57%
- Cash & Equivalents1.43%
Cash & cash-like: 86.19% — the 1.43% above plus treasury bills, certificates of deposit, commercial paper and TREPS, which the allocation files under Debt but the market counts as cash-equivalent.
AMC Profile
Tata Mutual Fund is run by Tata Asset Management, part of the Tata Group, and has been in business since 1995. It runs a broad line-up across equity, debt and hybrid, including several long-running thematic schemes.
Fund Managers
DJDhawal JoshiStart date not disclosed
Dealer
Bachelor of Engineering (IT), MMS (Finance)
ASAmit SomaniStart date not disclosed
Senior Fund Manager
B. Com, PGDBM, CFA
Sep 2012 – till date with Tata Asset Management Ltd. as a Fund Manager reporting to Head-Fixed Income. Jun 2010 – Aug 2012 with Tata Asset Management Ltd. as a Credit Analyst reporting to Head of Fixed Income. September 2006 – April 2010 with Fidelity Investments as Research Associate. July 2004 to August 2006 with Netscribes Pvt. Ltd as Research analyst. Jun 2003 to July 2004 with SPA Capital as debt market dealer. February 2001 to May 2003 with Khandwala Securities as debt market dealer.
Fund managers from the AMC's filed Scheme Summary — its most recent filing for this scheme. Each manager's qualifications and role are reconciled across every filing this fund house makes for them, including its Statement of Additional Information. Total AUM via AMFI.
Explore from here
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.
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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 Index funds & ETFs
Index funds and ETFs must keep at least 95% in the securities of the index they track, rather than trying to beat it. They charge far lower fees than active funds, and their return is the index's return minus that small cost and any tracking difference.
From the blog
Frequently asked questions
What is the NAV of Tata CRISIL-IBX Financial Services 3-6 Months Debt Index Fund?
As of 13 Nov 2026, the NAV of Tata CRISIL-IBX Financial Services 3-6 Months Debt Index Fund is ₹10.08 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.
What returns has Tata CRISIL-IBX Financial Services 3-6 Months Debt Index Fund delivered?
Tata CRISIL-IBX Financial Services 3-6 Months Debt Index Fund has returned +0.79% 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 CRISIL-IBX Financial Services 3-6 Months Debt Index Fund?
Tata CRISIL-IBX Financial Services 3-6 Months Debt Index Fund charges an expense ratio of 0.21% 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 CRISIL-IBX Financial Services 3-6 Months Debt Index Fund?
Tata CRISIL-IBX Financial Services 3-6 Months Debt Index Fund's largest holdings are ** - EXIM - CD - 01/03/2027 (7.3%), ** 07.95 % REC LTD - 12/03/2027 (5.0%), ** 07.71 % REC LTD - 26/02/2027 (5.0%), ** - CANARA BANK - CD - 29/01/2027 (4.9%) and ** - BANK OF BARODA - CD - 04/02/2027 (4.9%). Holdings are disclosed monthly and change over time.
How risky is Tata CRISIL-IBX Financial Services 3-6 Months Debt Index Fund?
Tata CRISIL-IBX Financial Services 3-6 Months Debt Index Fund sits at the moderate level on our estimate of SEBI's risk-o-meter scale, its trailing-3Y volatility (annualised) is 0.6% and its worst peak-to-trough fall in our sample was 0.1%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.
What is the benchmark of Tata CRISIL-IBX Financial Services 3-6 Months Debt Index Fund?
Tata CRISIL-IBX Financial Services 3-6 Months Debt Index Fund is benchmarked against the CRISIL-IBX Financial Services 3-6 Months Debt Index (TRI).
Who manages Tata CRISIL-IBX Financial Services 3-6 Months Debt Index Fund?
Tata CRISIL-IBX Financial Services 3-6 Months Debt Index Fund is managed by Dhawal Joshi and Amit Somani at Tata.
What is the objective of Tata CRISIL-IBX Financial Services 3-6 Months Debt Index Fund?
Tata CRISIL-IBX Financial Services 3-6 Months Debt Index Fund's stated objective is: The investment objective of the scheme is to track the CRISIL-IBX Financial Services 3-6 Months Debt Index, subject to tracking errors. However, there can be no assurance or guarantee that the investment objective of the Scheme will be achieved and the scheme does not assure or guarantee any returns. Both are as filed in the scheme's own Scheme Summary Document.
How is Tata CRISIL-IBX Financial Services 3-6 Months Debt Index Fund taxed?
Tata CRISIL-IBX Financial Services 3-6 Months Debt Index 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.