Tata Mutual Fund was founded in 1994 with the goal of providing investment options to assist investors with financial planning and wealth growth.
The fund house provides a diverse range of mutual fund schemes, including equity, debt, and hybrid funds, as well as solution-oriented and closed-ended funds.
The article will provide information on numerous tata mutual funds as well as how to invest in mutual funds.
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What is the best Tata Mutual fund?
Investors can choose from 57 different schemes offered by Tata Mutual Fund. It has 20 equity funds, 26 debt funds, 9 hybrid funds, and two ETF funds.
Tata India Tax Savings Fund, Tata Equity P/E Fund, Tata Large Cap & Mid Cap Fund, Tata Midcap Growth Fund, and other well-known equity schemes from its stable.
Tata Mutual Fund also has some good debt funds, like the Tata Treasury Advantage Fund and the Tata Dynamic Bond Fund.
In the hybrid scheme category, Tata Hybrid Equity Fund and Tata Retirement Savings Fund are well-known mutual funds.
List of Tata Mutual fund
The following is a list of Tata mutual funds:
1. Tata Equity PE Fund
The P/E ratio refers to the ratio of a stock's market price to its earnings per share (EPS). The Tata Equity P/E Fund invests in a value-conscious manner.
The Scheme intends to invest at least 70% of its assets in companies having a rolling twelve-month P/E ratio that is lower than the BSE Sensex's rolling twelve-month P/E ratio at the time of investment.
Buying good firms at a good P/E ratio is a good discipline, but it's far from the only one. To choose firms, the Fund employs a variety of qualitative and quantitative criteria.
The goal of the Fund is to "purchase good stocks at low values, not "cheap" stocks."
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2. Tata India Tax Savings Fund
On October 13, 2014, the Tata India Tax Saving Fund was launched. It is an Open-ended ELSS Equity plan managed by Tata Mutual Fund House.
It's a good choice for investors who want to put their money in for at least three years and want to reap the benefits of income tax savings in addition to increased profits.
The entire amount of gain is taxed at a rate of 15% if the mutual fund units are sold within one year of the date of investment.
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3. Tata Retirement Savings Fund-Moderate
Tata Retirement Savings Fund - Moderate Plan is a fund in the Hybrid: Aggressive Hybrid category.
The Tata Retirement Savings Fund is a carefully crafted suite of schemes designed to fulfill the investment needs of retirees.
The fund's asset allocation is roughly 79.64 percent equities, 14.38 percent debts, and 5.97 percent cash and cash equivalents.
The ability of the Tata Retirement Savings Fund Moderate scheme to provide consistent returns is comparable to that of most funds in its category. It has an average capacity to manage losses in a down market.
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4. Tata Retirement Savings Fund – Progressive
Tata Retirement Savings Fund - Progressive Plan is an Open-ended Flexi Cap Equity plan. As of April 30, 2022, the Tata Retirement Savings Fund - Progressive Plan had Rs 1193.76 crore in assets under management.
The fund invests across market capitalisations, including 72.51 percent in gigantic size companies, 20.52 percent in mid-cap, and 6.97 percent in small-cap companies.
The minimum SIP amount for this scheme is Rs.150.
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5. Tata Liquid Fund
Liquid funds are a great way to put short-term cash to work while still earning potentially tax-efficient returns.
These funds are appropriate for money that you don't want to put into longer-term investments like stocks, bonds, and government bonds.
Consider such funds if you require funds in a short amount of time. Although there is little chance of losing money in these funds, they do not guarantee returns or capital protection.
The fund's expense ratio is 0.21 percent, which is comparable to that of other Liquid funds.
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6. Tata Treasury Advantage Fund
Tata Mutual Fund's Tata Treasury Advantage Direct Plan-Growth is a Debt mutual fund plan.
The scheme's investment goal is to provide consistent income and capital growth by investing in a range of debt and money market instruments with low-interest rate risk.
Because the portfolio has a Macaulay term of 6 to 12 months, these funds attempt to strike a balance between safety, liquidity, and yield.
These funds could be excellent for earning regular income on short-term surplus cash, according to investors.
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7. Tata Retirement Savings Fund – Conservative
Tata Mutual Fund has a Hybrid mutual fund scheme called Tata Retirement Savings Fund Conservative Plan.
These funds are appropriate for investors who cannot tolerate excessive volatility in the value of their investments and are satisfied with modest returns that are slightly greater than returns from fixed-income choices.
The annual costs you pay to the Mutual Fund firm for managing your investments in that fund are referred to as the Expense Ratio.
The Expense Ratio of Tata Retirement Savings Conservative Fund's direct plan is 0.97 percent. In the last year, the Tata Retirement Savings Fund Conservative Plan Direct-Growth programme has returned 1.94 percent.
The minimum SIP amount for this scheme is Rs.500.
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8. TATA Infrastructure Fund
Tata Infrastructure Fund was one of the first in its field.
It was established in November 2004 with the goal of capitalising on the thriving Indian economy, which has expanded as a result of the positives demonstrated by the infrastructure industry.
This is a fund that primarily invests in the stock of firms that engage in or are expected to benefit from infrastructure-related activities.
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9. TATA Large Cap Fund
Tata Large Cap Fund is a large-cap-biased fund that invests in undervalued large-cap firms with good fundamentals.
Large-cap corporations are anticipated to have more steady profit forecasts and be better able to handle economic downturns.
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10. Tata Hybrid Equity Fund
Tata hybrid equity is an open-ended aggressive hybrid strategy. The fund's investing goal is to make a profit "The strategy aims for consistent debt returns as well as equities-based growth.
The equity-to-debt investment ratio is most likely to be 70:30. Tata Twin Balanced was combined into this fund, which was previously known as Tata Equity Growth Fund."
Hybrid funds that invest 65 percent or more in stock and equity-related instruments are taxed as Equity funds, while those that invest less than 65 percent in equity and equity-related instruments are taxed as Debt funds.
In general, tax consequences are calculated using the fund's average asset allocation over the previous 12 months.
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How Are the Best Tata Mutual Funds Selected?
When choosing a mutual fund scheme, you can use a variety of characteristics to evaluate if you're putting your money in the proper place. These are some examples:
For which purpose
To begin, determine your financial goals for the investment, whether it's for travel, for property, or anything else. This will assist you in determining which mutual funds are best suited to your goals and budget.
You'll find it easier to explore the market and pick the right scheme once you've outlined your investment objectives.
Know the expense ratio
The expense ratio is the fee payable for proper investment management.
Because the expense ratio is measured over the investor's whole portfolio and has a big influence, it's critical to look for a mutual fund with a lower expense ratio as an investor.
Perform proper research
It's essential to do some research before starting your investment adventure since it will help you make a more informed decision and give you a better understanding of the mutual fund world.
Track AMC record
Looking at the track record of the Asset Management Company might help you figure out how to choose mutual funds.
Because India has so many AMCs, it's natural to feel overwhelmed when you have so many options. Because the average investment horizon for a fund plan is 7-8 years, you want to be sure your money is making you a profit.
Why Choose the Best Tata Mutual Funds?
Tata Mutual Funds has over 20 funds to meet the demands of a wide range of investors. To identify the best fit, an investor must first understand why he or she is investing, then assess their risk and compare it to the fund's objectives and risk level.
The company's trustworthiness and strong record lure investors. These funds are more likely to outperform their peers in their respective categories.
How to Invest in Tata Mutual Funds?
Investing in Tata Mutual Fund's mutual funds is an excellent approach to building wealth for your future financial goals. You can invest in tata mutual funds online through a variety of platforms.
In March 2020, Tata Capital developed Moneyfy, its own Mutual Fund Investment App, which allows consumers to effortlessly plan their mutual fund investments and create financial goals.
Moneyfy's goal is to give customers with a digitally-based suite of investment solutions that will enable them to invest smarter and more easily. To invest in mutual funds, you must first complete the following requirements.
- Step 1: Log in to their website or download the moneyfy app.
- Step 2: To begin investing in Tata Mutual Fund schemes, you must first register on the selected platform. According to the Securities and Exchange Board of India (SEBI) standards, you'll require your Know Your Client (KYC) documentation to finish the registration process.
Indian Residents and PIOs residing in India will require the following KYC documents: - Address proof (Aadhar Card /Driving License/Passport/Voter ID Card)
- Pan Card
- Photograph
- Step3: Upload your documents.
- Step4: A list of mutual funds with the assigned investment amount will be displayed after completing the above process. then select your favourite tata mutual fund.
- Step5: Choose the SIP or Lump Sum method and enter the investment amount.
SIPs, on the other hand, allow you to minimise your overall investment cost while still earning returns due to compounding. You can also calculate returns on your investment using a SIP calculator.
- Step6: make the payment via net banking, UPI, or any other applicable option.
How to Download Tata Mutual Fund Investment Statement?
A Consolidated Account Document (CAS) is a single financial statement that includes the investor's entire mutual fund investments across all fund houses.
This document summarises your financial transactions and mutual fund holdings over the course of a year. The document contains details about all of your mutual fund investments.
Let's have a look at how to create a consolidated mutual fund statement in a few simple steps online.
Step1: go to Camsonline.com.
Step 2: go to the menu bar and select 'Internet Services.'
Step 3: from the left-hand menu, pick mail-back services
Step4: Select Consolidated account statement – CAMS, KARVY, FT from the drop-down menu.
Step5: Enter your email address and password, as well as the statement time and period for which you desire the information. Then click on submit.
CAMS will send you a statement to your registered email address once you've completed this.
Conclusion
Tata Mutual Fund aspires to become one of the country's leading and trusted fund houses, with the goal of achieving overall excellence within the framework of clear and severe risk measures.
Its mission is to provide a healthy lifestyle to its investors by protecting their long-term financial needs. You can easily invest in mutual funds by visiting their website.
Frequently Asked Questions
Q1. Is Tata Ethical Fund is good?
This is a fund that primarily invests in firms that comply with the specific investment mandate stated in its investment objective.
Funds with a narrow investing objective, such as this one, should be avoided by investors. Instead, they should put their money into Flexi-cap funds, which give fund managers unlimited flexibility over which companies they invest in.
Q2. Is it good to invest in Tata digital fund?
Yes. Tata Digital India Fund is primarily a technology fund that invests in firms such as Infosys and TCS, among others. Following covid, the technology sector has gained significance and has become a boon for the investors. Tata Digital India Fund is an excellent option among sectoral/thematic - technology mutual funds.
Q3. Is Tata good for SIP?
Tata SIP is a simple strategy that allows investors to invest money on a regular basis. Long-term returns, freedom to withdraw or increase/decrease the investment amount, continuous saving, and the ability to invest as little as Rs 150 are all advantages of a tata systematic investment plan (SIP).
Q4. How is Tata Digital India Fund?
The scheme seeks long-term capital appreciation by investing at least 80% of its net assets in equity/equity-related instruments of companies in the Information Technology Sector in India. The fund invests across market capitalisations, with around 78.58 percent in gigantic size corporations, 16.97 percent in mid-cap companies, and 4.44 percent in small-cap companies.
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