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Top funds 3Y Return 5Y Return
Tata Equity P/E Fund (G) 15.27% 20.9% Invest
Tata Treasury Advantage Fund (G) 7.7% 8.14% Invest
Tata Liquid Fund (G) 7.24% 7.81% Invest
Tata Retirement Savings Fund - Progressive Plan (G) 13.95% 17.73% Invest
Tata Digital India Fund (G) 12.86% - Invest
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Oct 25, 2018 14 min read

Best Tata Mutual Funds to Invest in 2018

Read this blog to know the best Tata Mutual Funds in India.

Tata Mutual Funds by providing the best services and consistent returns has managed to create a place in the heart of investors. It has launched a number of schemes and thus provides flexibility when it comes to matter of choice. It is the result of the continuous hard work and focus towards providing only the best that has led its schemes to the list of the top performing funds. In the coming blog you will get to read the best five schemes of Tata MF in which you may invest to earn the time value of your money.

Top Tata Mutual Funds 2018

There are a number of schemes that have been launched by Tata Mutual Fund under different categories to fulfill the investment requirements of various type of investors. Below mentioned are the top five schemes that have been shortlisted by the experts at MySIPonline through intensive research on the basis of different parameters. Let us know which these schemes are and read some facts about them.


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Tata Retirement Savings Fund - Progressive Plan (G)

Tata Retirement Savings Fund - Progressive Plan is an open-ended retirement solution scheme that help investors earn long-term capital appreciation through investment largely in equity and equity related instruments.

Basic Information
ParametersTata Retirement Savings Fund - Progressive Plan
Category Equity: Multi Cap
Benchmark S&P BSE Sensex TRI
Launch Date 11/1/2011
Asset Size Rs. 499 crore(As on Sep 30, 2018)
Fund Managers Ennettee Fernandes, Murthy Nagarajan and Sonam Udasi
Expense Ratio 2.68%(As on August 31, 2018)
Minimum Lumpsum Rs. 5000
Minimum SIP Rs. 150
Exit Load 1% for redemption before attainment of retirement age i.e 60 years
Return Analysis
Scheme NameYTDLast 3 YearsLast 5 Years
Tata Retirement Savings Fund - Progressive Plan -12.91% 10.49% 16.86%
NIFTY 50 Total Return -0.94% 8.97% 12.09%
Category -10.75% 7.75% 16.11%
As on October 19th, 2018
  • This scheme has provided -12.91% returns since the start of this year which is much lower than both its benchmark and category’s returns.
  • The three year returns generated by this scheme are 10.49% which is higher than the benchmark and category’s three year returns.
  • In case of five-year returns, this scheme has again managed to surpass the returns generated by both the others.

Return wise, this scheme has proved to be a better performer comparatively.

Risk Analysis
Scheme NameSDBetaSharpe
Tata Retirement Savings Fund - Progressive Plan 17.46 1.11 0.41
NIFTY 50 Total Return 13.91 - 0.47
Category 15.46 0.98 0.32
As on September 30th, 2018
  • The standard deviation of this scheme by Tata Mutual Fund is 17.46 which is more than the SD of benchmark and category. Even the Beta of the scheme is higher than the category’s. This indicates towards the level of fluctuations it is prone to with time.
  • The Sharpe ratio of the scheme is 0.41 which is although higher than the category but less than the benchmark. This ratio indicates towards the ability of the scheme to generate returns with the risk taken.

Who Should Invest?

  • This scheme is for investors who wish to add a retirement solution investment scheme to their portfolio to generate huge corpus before retirement.
  • It is best-suited to aggressive investors who are ready to take high risk to earn high returns.


Tata Liquid Fund (G)

Tata Liquid Fund is a scheme that facilitate investors earn reasonable returns by providing high liquidity at all times.

Basic Information
ParametersTata Liquid Fund
Category Debt: Liquid
Benchmark CRISIL Money Market Index
Launch Date 9/1/2004
Asset Size Rs. 14,634 crore(As on Sept 30, 2018)
Fund Manager Amit Somani
Expense Ratio 0.14%(As on August 31, 2018)
Minimum Lumpsum Rs. 5000
Exit Load NIL
Return Analysis
Scheme NameYTDLast 3 YearsLast 5 Years
Tata Liquid Fund 5.83% 7.24% 7.92%
CCIL T Bill Liquidity Weight 3.17% 4.27% 4.83%
Category 5.34% 6.94% 7.70%
As on October 19th, 2018
  • The return rate generated by this scheme since start of this year is 5.83% which is better than the rate of return provided by the benchmark and category.
  • In three year returns, it is observed that this scheme has been successful in surpassing the benchmark and category in the same.
  • Even in the five years time period, this scheme has been successful in beating both the others.
Risk Analysis
Scheme NameSDBetaSharpe
Tata Liquid Fund 0.19 0.42 3.32
CCIL T Bill Liquidity Weight 0.24 - -9.32
Category 0.52 0.70 2.37
As on September 30th, 2018
  • The standard deviation of the scheme is 0.19 which is comparatively less than the others. Even the Beta of the scheme is less than the category’s Beta. Both these factors state that this scheme is less prone to fluctuations.
  • The Sharpe ratio of the scheme is 3.32 which is better than the others. This indicates that this scheme will be generating better returns with the risk taken.

Who Should Invest?

Conservative investors interested in earning reasonable returns with the benefit of liquidity may add it to their investment portfolio.


Tata Digital India Fund (G)

This is an open-ended scheme that mainly invests in the equity and equity related instruments of companies belonging to information technology sector. It invests around 80% to 100% in equity and its related instruments with high risk involvement and may invest up to a maximum of 20% in debt and money market instruments with low to medium risk involvment.

Basic Information
ParametersTata Digital India Fund
Category Equity: Sectoral-Technology
Benchmark S&P BSE IT TRI
Launch Date 12/28/2015
Asset Size Rs. 384 crore(As on Sep 30, 2018)
Fund Manager Danesh Mistry
Expense Ratio 2.68%(As on August 31, 2018)
Minimum Lumpsum Rs. 5000
Minimum SIP Rs. 150
Exit Load 0.25% of NAV if redemption made on or before expiry of 3 months from the date of allotment
Return Analysis
Scheme NameYTDLast 6 MonthsLast 1 Year
Tata Digital India Fund 26.32% 10.50% 41.80%
NIFTY IT TRI 25.95% 10.55% 35.56%
Category 19.68% 7.63% 33.50%
As on October 19th, 2018
  • Since the start of this year it has provided a return rate of 26.32% which is higher than the benchmark and category’s rates.
  • The returns generated in the last six months is 10.50% which is though better than its category but less than the benchmark’s return rate.
  • The one year returns generated by Tata Digital India Fund is 41.80% which is much better than both, the benchmark and the category.

Who Should Invest?

  • Investors who wish to add a sector specific scheme that too in the one that invests in IT, may add it to their portfolio.
  • It should be noted that only aggressive investors should invest in it as the risk involved is high.


Tata Equity P/E Fund (G)

This scheme by Tata MF invests mainly in the equity and equity related instruments of companies whose rolling P/E is less than that of the S&P BSE Sensex. It aims to help investors earn long-term capital appreciation along with regular income by following value investment strategy.

Basic Information
ParametersTata Equity PE Fund
Category Equity: Value Oriented
Benchmark S&P BSE Sensex TRI
Launch Date 6/29/2004
Asset Size Rs. 4,730 crore(As on Sep 30, 2018)
Fund Managers Sonam Udasi & Amey Sathe
Expense Ratio 2.05%(As on August 31, 2018)
Minimum Lumpsum Rs. 5000
Minimum SIP Rs. 150
Exit Load 1% for redemption on or within 18 months from the date of allotment
Return Analysis
Scheme NameYTDLast 3 YearsLast 5 Years
Tata Equity PE Fund -12.60% 12.83% 21.04%
NIFTY 50 Total Return -0.94% 8.97% 12.09%
Category -12.79% 8.20% 17.97%
As on October 19th, 2018
  • The return rate provided by this scheme since start of this year is -12.60%.
  • The three year returns of Tata Equity P/E Fund is 12.83% which is much higher than both, the benchmark as well as the category.
  • The last five year returns generated by this scheme is 21.04% which is again higher than both the others.
Risk Analysis
Scheme NameSDBetaSharpe
Tata Equity PE Fund 16.65 0.80 0.58
NIFTY 50 Total Return 13.91 - 0.47
Category 16.49 0.83 0.33
As on September 30th, 2018
  • The standard deviation of this scheme is higher than the SD of both, the benchmark and the category. This indicates that the scheme is likely to fluctuate more in comparison.
  • The Sharpe ratio of the scheme is 0.58 which is higher than both, the benchmark and the category’s ratio. This ratio indicates that it is likely to generate better returns with the risk taken.

Who Should Invest?

  • This scheme is for investors who are willing to generate long-term capital appreciation by investing in an open-ended scheme.
  • Investors who can bear moderately high risk on the principal amount may add it to their portfolio.


Tata Treasury Advantage Fund (G)

The investment objective of this scheme by Tata Mutual Fund is to help investors earn capital appreciation along with regular income by investing in a mixture of debt and money market instruments at relatively lower level of risk.

Basic Information
ParametersTata Treasury Advantage Fund
Category Debt: Low Duration
Benchmark CRISIL Low Duration Debt
Launch Date 9/6/2005
Asset Size Rs. 3526 crore(As on Sep 30, 2018)
Fund Manager Akhil Mittal
Expense Ratio 0.38%(As on August 31, 2018)
Minimum Lumpsum Rs. 5000
Exit Load NIL
Return Analysis
Scheme NameYTDLast 3 YearsLast 5 Years
Tata Treasury Advantage Fund 5.55% 7.43% 8.12%
CCIL T Bill Liquidity Weight 3.17% 4.27% 4.83%
Category 5.22% 7.34% 7.89%
As on October 19th, 2018
  • Since beginning of this year the scheme has generated return rate of 5.55% which is higher than both the others.
  • In three as well as five years time period, this scheme has surpassed both the benchmark and category in terms of returns.
Risk Analysis
Scheme NameSDBetaSharpe
Tata Treasury Advantage Fund 0.59 1.57 1.32
CCIL T Bill Liquidity Weight 0.24 - -9.32
Category 0.69 1.79 1.03
As on September 30th, 2018
  • The standard deviation of Tata Treasury Advantage Fund is 0.59 which is higher than the benchmark but less than its category’s SD. This indicates towards the fluctuations that it is prone to.
  • The sharpe ratio of the scheme is 1.32 which is higher than both the others. This indicates towards the fact that it is likely to generate better returns with the risk taken.

Who Should Invest?

This scheme is for investors who are willing to earn regular income for short term period. The risk involved is moderately low which means that conservative investors may add it to their portfolio.


Invest in the Best Mutual Funds
  • 100% Paperless
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  • Easy to Invest
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The Final Note

These were the top schemes of Tata Mutual Fund, among which you may select the one or more that suits your investment portfolio. You may invest in these schemes via our platform MySIPonline, which helps you save time through its simple investment procedure. If there is anything that you would like to dicsuss related to regular schemes, than you can post the same here. If there is something that you would like to talk about, then you can connect with our financial experts.

Must Read:

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  3. Best mutual fund portfolio for aggressive investors
  4. Best conservative investment portfolio for investors
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