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TATA Mutual Fund

Namaste! We at Coverfox are sure that an intelligent investor like you will want to trust his investment with the best and most reputed fund houses throughout India - and who better to imagine than the TATA Mutual Fund! Don’t just take it from us though - the fund house has been operational for over FIVE years, providing its investors with excellent returns in this short period.

We want to ensure that you can make a hassle-free, tension-free investment! So that you can relax knowing your hard-earned money is in safe hands of India’s best Mutual Fund participants.

For this reason, we have listed the various types of TATA Mutual Funds, the fund features, benefits, and all necessary information required by an investor before depositing his money. We have a full belief that you are choosing the right option with this Mutual Fund. Want to know how TATA Asset Management Ltd. works? Well, they focus on achieving consistent and long-term results. The company aims at overall excellence, through a transparent and rigorous risk controls framework.

Types of Funds offered by TATA Mutual Fund

Are you a person with a preference? We all are. We like a particular ice-cream flavor, one specific fragrance, etc. Our choices define us. So, why shouldn’t we carefully choose our investment into Mutual Funds to determine who we are?

The TATA Mutual Fund has several types of investment vehicles suited to your preference for risk and other factors. Want your investment to be completely volatility exposed stocks? Are you looking to be a conventional investor with a hybrid portfolio? Well, this MF is your perfect choice as there's an option for EVERYONE.

The most common types of Mutual funds offered by this fund house are:

Solution Based
Equity
Debt
Hybrid
Close Ended

Why should I invest in the TATA Mutual Fund?

If you’re looking beyond the TATA name and figuring out ways to trust this Mutual Fund, this section is just for you! The Mutual fund’s most significant features and advantages have been rolled into one part for you to make the fastest decision possible. Take a read below:

Flexibility: Investors can choose different asset class options, amounts to be invested, and a period of investment. Stability: Returns provided by the TATA Mutual fund rarely destabilize! It is committed to providing its customers with premium quality service.

Consistency: By following its value-based investment strategy, the fund house can generate consistent returns. Leadership and Trust: TATA’s adherence to ethical values has positioned it as a trusted leader.

Services: The fund house gives its investors no reason to complain. It’s product offerings match consumer needs perfectly.

Who is Eligible to Invest in TATA Mutual Funds?

The following individuals and entities are eligible to invest in TATA Mutual Funds:

Guardians or parents on behalf of minors

Corporate organizations, PSUs, trusts, institutions, funds, group of individuals, associations of persons and societies registered under the Societies Registration Act, 1860, among others
Hindu Undivided Families (HUF) in the sole name of the Karta
Asset Management Company (AMC), as per the rules and regulations formed by SEBI
Banking and financial investment institutions
Partners of a Partnership firm
Religious organizations and Charitable Trusts
NRIs/individuals of Indian origin living abroad (NRIs)
Navy/Army/Air Force, paramilitary Units and other defense institutions
Government-approved International Multilateral Agencies
Foreign Portfolio Investors

Sectoral Funds

TATA Banking & Financial Services Fund

TATA Banking & Financial Services Fund is an open-ended equity fund. It includes investments in equity and equity-related instruments of companies from Banking and Financial Services.

Objective	Provide long-term capital appreciation by parking at least 80% of net assets in equity and equity-related instruments of bank and other financial institutions
Nature of scheme	Open-ended equity scheme investing in banking and financial services sector
Suitable for	Investors with a higher risk profile wanting to invest in a theme-oriented scheme
Entry load	Not Applicable
Exit load	Redemption/Switch-out/SWP/STP on or before the expiry of 365 days from the date of allotment: If the withdrawal amount or switched out amount is not more than 12% of the original cost of investment - NIL Redemption/Switch-out/SWP/STP on or before the expiry of 365 days from the date of allotment: If the withdrawal amount or switched out amount is more than 12% of the original cost of investment - 1%
Risk-O-Meter	High
Fund manager	Sonam Udasi and Amey Sathe (Assistant Fund Manager)

TATA Digital India Fund

TATA Digital India Fund provides investors a focused investment opportunity in companies in the Information Technology sector.

Objective	Provide long term capital appreciation by putting at least 80% of the net assets in equity and equity-related instruments of businesses in the Information Technology sector
Nature of scheme	Open-ended equity scheme investing in Information Technology sector
Suitable for	Investors looking to take part in potential capital appreciation opportunities in the I.T. sector
Entry load	Not Applicable
Exit load	Redemption/Switch-out/SWP/STP on or before the expiry of 365 days from the date of allotment: If the withdrawal amount or switched out amount is not more than 12% of the original cost of investment - NIL Redemption/Switch-out/SWP/STP on or before the expiry of 365 days from the date of allotment: If the withdrawal amount or switched out amount is more than 12% of the original cost of investment - 1%
Risk-O-Meter	High
Fund manager	Danesh Mistry

TATA Ethical Fund

TATA Ethical Fund is an open-ended equity fund where investments are made in a diversified equity portfolio which is in accordance with the Shariah principles.

Objective	Provide medium to long-term capital gains by investing in Shariah compliant equity and equity-related instruments of companies
Nature of scheme	Open-ended equity scheme that follows the principles of Shariah
Suitable for	Individuals who wish to park money in firms that are from Shariah-compliant universe of stocks
Entry load	Not Applicable
Exit load	Redemption/Switch-out/SWP/STP on or before the expiry of 365 days from the date of allotment: If the withdrawal amount or switched out amount is not more than 12% of the original cost of investment - NIL Redemption/Switch-out/SWP/STP on or before the expiry of 365 days from the date of allotment: If the withdrawal amount or switched out amount is more than 12% of the original cost of investment - 1%
Risk-O-Meter	High
Fund manager	Ennette Fernandes, Rupesh Patel

TATA India Consumer Fund

TATA India Consumer Fund is an open-ended equity scheme where funds are primarily put in equity and equity-related instruments of firms in the consumption-oriented sectors.

Objective	Provide long term capital appreciation by investing at least 80% of the net assets in equity/equity related instruments of firms in the consumption- oriented sectors
Nature of scheme	Open-ended equity scheme investing in consumption-oriented sector
Suitable for	Investors seeking to take part in potential capital appreciation opportunities in consumption-oriented sector
Entry load	Not Applicable
Exit load	Redemption/Switch-out/SWP/STP on or before the expiry of 365 days from the date of allotment: If the withdrawal amount or switched out amount is not more than 12% of the original cost of investment - NIL Redemption/Switch-out/SWP/STP on or before the expiry of 365 days from the date of allotment: If the withdrawal amount or switched out amount is more than 12% of the original cost of investment - 1%
Risk-O-Meter	High
Fund manager	Sonam Udasi and Ennette Fernandes (Assistant Fund Manager)

TATA India Pharma & Healthcare Fund

It is an open-ended equity plan where investments. Investments involve equity and equity-related instruments of businesses in the Pharma & Healthcare-oriented sector.

Objective	Provide long term capital appreciation by putting at least 80% of the net assets into equity and equity related instruments of firms in Pharma and Healthcare sectors
Nature of scheme	Open-ended equity scheme investing in Pharma and Healthcare services sector
Suitable for	Investors seeking to take part in potential capital appreciation opportunities in Pharma and Healthcare sector
Entry load	Not Applicable
Exit load	Redemption/Switch-out/SWP/STP on or before the expiry of 365 days from the date of allotment: If the withdrawal amount or switched out amount is not more than 12% of the original cost of investment - NIL Redemption/Switch-out/SWP/STP on or before the expiry of 365 days from the date of allotment: If the withdrawal amount or switched out amount is more than 12% of the original cost of investment - 1%
Risk-O-Meter	High
Fund manager	Meeta Shetty, Rahul Singh

TATA Infrastructure Fund

TATA Infrastructure Fund aims to mainly focus on those sectors that can create long term value through investments in infrastructure-oriented sectors.

Objective	Provide income distribution and/or medium to long term capital gains by mainly investing in equity and equity-related instruments of companies in the infrastructure sector
Nature of scheme	Open-ended equity scheme investing in infrastructure sector
Suitable for	Individuals looking for capital gain opportunities in infrastructure and related sectors
Entry load	Not Applicable
Exit load	Redemption/Switch-out/SWP/STP on or before the expiry of 365 days from the date of allotment: If the withdrawal amount or switched out amount is not more than 12% of the original cost of investment - NIL Redemption/Switch-out/SWP/STP on or before the expiry of 365 days from the date of allotment: If the withdrawal amount or switched out amount is more than 12% of the original cost of investment - 1%
Risk-O-Meter	High
Fund manager	Rupesh Patel and Abhinav Sharma (Assistant Fund Manager)

TATA Resources & Energy Fund

TATA Resources & Energy Fund invests in companies in the resources and energy sector, which includes Cement, Energy, Metals, Chemicals, Fertilizers and Paper

Objective	Provide long term capital appreciation by investing at least 80% of the net assets in equity and equity-related instruments of companies in the resources and energy sector
Nature of scheme	Open-ended equity scheme investing in Resources and Energy sector
Suitable for	Investors who want to take part in potential capital appreciation opportunities in resources and commodities sector
Entry load	Not Applicable
Exit load	Redemption/Switch-out/SWP/STP on or before the expiry of 365 days from the date of allotment: If the withdrawal amount or switched out amount is not more than 12% of the original cost of investment - NIL Redemption/Switch-out/SWP/STP on or before the expiry of 365 days from the date of allotment: If the withdrawal amount or switched out amount is more than 12% of the original cost of investment - 1%
Risk-O-Meter	High
Fund manager	Satish Mishra, Rahul Singh

Diversified Funds

TATA Equity P/E Fund

TATA Equity P/E Fund invests 70% to 100% investment in equity and equity related-companies whose rolling Price to Earnings ratio (P/E) during investment is below the rolling P/E of the BSE SENSEX and up to 30% in equity and equity-related instruments of other companies.

Objective	Provide unitholders with regular income and/or capital appreciation
Nature of scheme	Open-ended equity scheme that follows a value investment strategy
Suitable for	Investors looking to park money in good stocks at cheap valuations
Entry load	Nil
Exit load	1% if redeemed on or before 1.5 years from the date of allotment
Risk-O-Meter	Moderately high
Fund manager	Sonam Udasi and Amey Sathe (Assistant Fund Manager)

TATA Equity Savings Fund

TATA Equity Savings Fund is an ideal investment avenue for fixed income investors seeking to distribute a small percentage of investments into equities and who wish to earn accrual income on major proportion of their investments.

Objective	Provide income distribution and long-term capital appreciation by primarily parking funds in equity and equity-related instrument and the remaining in money market and debt instruments.
Nature of scheme	Open-ended equity scheme that follows a value investment strategy
Suitable for	Investors looking to park money in good stocks at cheap valuations
Entry load	Nil
Exit load	1% if redeemed on or before 1.5 years from the date of allotment
Risk-O-Meter	Moderately high
Fund manager	Sonam Udasi and Amey Sathe (Assistant Fund Manager)

TATA Large and Mid-Cap Fund

TATA Large and Mid-Cap Fund invests in large and midcap stocks. It is very actively managed and dynamic in nature. The stock picking follows a sound bottom-up approach.

Objective	Provide income distribution and/or medium to long term capital gains
Nature of scheme	Open-ended equity scheme investing in large cap and mid cap stocks
Suitable for	Investors looking to park funds in companies undergoing re-rating or turnaround
Entry load	Not Applicable
Exit load	1% of the applicable NAV, if redeemed on or prior to 1 year from the allotment date
Risk-O-Meter	Moderately high
Fund manager	Rupesh Patel

TATA Multicap Fund

TATA Multicap Fund focuses on generating medium to long term capital growth through investments in a diversified portfolio, comprising of equity and equity related instruments across.

Objective	Generate capital appreciation over medium to long term
Nature of scheme	Open ended equity scheme investing in large cap, mid cap, small cap stocks
Suitable for	Investors with a long-term investment horizon seeking to diversify across market capitalization
Entry load	Not Applicable
Exit load	1% of the applicable NAV, if redeemed on or before 1.5 years from the date of allotment.
Risk-O-Meter	Moderately high
Fund manager	Rupesh Patel

TATA Mid Cap Growth Fund

TATA Mid Cap Growth Fund is an open-ended equity fund where investors’ funds are primarily invested in equity and equity related securities of well-researched growth-oriented mid cap stocks.

Objective	Provide income distribution and/or medium to long term capital gains
Nature of scheme	Open-ended equity scheme primarily investing in mid cap stocks
Suitable for	Investors seeking investment opportunities in high growth companies mainly in mid cap segment
Entry load	Not Applicable
Exit load	1.00% if redeemed on or before 1 year from the date of allotment
Risk-O-Meter	Moderately high
Fund manager	Rupesh Patel and Ennette Fernandes (Assistant Fund Manager)

Short Term Debt Funds

TATA Corporate Bond Fund

TATA Corporate Bond Fund aims to generate returns and capital appreciation by mainly investing in corporate debt securities with varying maturities across the credit spectrum.

Objective	Generate returns over short to medium term by primarily investing in corporate debt instruments
Nature of scheme	Open-ended debt scheme mainly investing in AA+ and above rated corporate bonds
Suitable for	Investors seeking regular income for medium term
Entry load	Not Applicable
Exit load	Nil
Risk-O-Meter	Moderate
Fund Manager	Amit Somani

TATA Money Market Fund

TATA Money Market Fund is a suitable alternative to liquid fund, targeted at investors who wish to park money in safer, short-term money market instruments.

Objective	Generate reasonable returns with high liquidity
Nature of scheme	Open-ended debt scheme investing in money market instruments
Suitable for	Investors looking for a low-risk, low-volatility fund that aims at offering reasonable returns.
Entry load	Not Applicable
Exit load	Nil
Risk-O-Meter	Moderately Low
Fund Manager	Amit Somani

TATA Short Term Bond Fund

TATA Short Term Bond Fund focuses on creating a liquid portfolio of debt and money market instruments to provide investors with reasonable returns and liquidity.

Objective	Generate regular income over a short-term period
Nature of scheme	Open-ended short-term debt scheme investing in instruments where the portfolio’s Macaulay duration is 1 to 3 years
Suitable for	Investors looking to earn accrual income in short to medium term horizon
Entry load	Nil
Exit load	Nil
Risk-O-Meter	Moderately low
Fund Manager	Murthy Nagarajan

TATA Treasury Advantage Fund

TATA Treasury Advantage Fund invest in different money market and fixed income securities with the aim of providing liquidity and generating reasonable returns with lower interest rate risk.

Objective	Generate regular income by investing in a portfolio of money market and debt instruments with lower interest rate risk
Nature of scheme	Open-ended low duration debt scheme investing in instruments where the portfolio’s Macaulay duration is from 6 months to a year
Entry load	Not Applicable
Exit load	Nil
Risk-O-Meter	Moderately low
Fund Manager	Akhil Mittal

Solution Based

Child Savings Plan - TATA Young Citizens' Fund

TATA Young Citizens' Fund by TATA Mutual Fund is an open-ended balanced scheme which can be availed for children aged between the ages of 3 months to 18 years. The scheme is targeted at aiding parents and guardians save for the needs of growing children.

Objective	Generate long term capital growth
Nature of scheme	Open-ended fund with a lock-in of at least 5 years or until the child reaches the age of majority (whichever is sooner)
Suitable for	Parents or guardians looking to save for their children’s future needs by investing in a combination of debt and equity instruments
Entry load	Nil
Exit load	Compulsory lock-in option of 5 years or until the child reaches the age of majority (whichever is sooner). 1% - If redeemed before child reaches 18 years of age
Risk-O-Meter	Moderately high
Fund manager	Sonam Udasi, Ennette Fernandes (Assistant Fund Manager) and Akhil Mittal

Retirement Solution - TATA Retirement Savings Fund

This fund is designed to meet the investment needs of individuals who are planning for retirement. It works as a retirement solution by offering investors a choice of asset allocation as per their life stage and risk preference.

Objective	Provide income distribution and medium to long term capital gain
Nature of scheme	Open-ended plan with a lock-in of 5 years or until retirement age (whichever is sooner)
Suitable for	Individuals keen to save for retirement and seeking an alternative to traditional retirement saving avenues
Entry load	Nil
Exit load	Nil - If redeemed/switched-out on or after attaining 60 years of age Nil - For auto switch-out of units should “Auto-switch trigger event” arise 1% - If redeemed before 60 years of age
Exit load	Moderately high
Fund manager	Sonam Udasi, Ennette Fernandes (Assistant Fund Manager) and Murthy Nagarajan

Income Funds

TATA Income Fund

TATA Income Fund provides long term capital appreciation and regular income.

Objective	Provide income distribution over medium to long term
Nature of scheme	Open ended medium-term debt scheme where money is invested in instruments such that the Macaulay duration of the portfolio is from 3 years to 4 years
Suitable for	Investors looking for capital appreciation opportunities during falling interest rate scenario and accrual returns in high interest rate environment
Entry load	Not Applicable
Exit load	1% if redeemed on or before 1 year from the allotment date
Risk-O-Meter	Moderate
Fund Manager	Murthy Nagarajan

TATA Medium Term Fund

TATA Medium Term Fund distributes the assets among different fixed income securities with the aim of generating reasonable returns at moderate risk.

Objective	Provide stable returns and high level of liquidity by investing in debt and money market instruments, as the regulation permits
Nature of scheme	Open-ended dynamic debt scheme which invests across duration
Suitable For	Investors seeking active interest rate risk management and hoping to earn a combination of accrual and capital appreciation income
Entry load	Nil
Exit load	0.50% of NAV if redeemed on or before 1 month from the allotment date
Risk-O-Meter	Moderate
Fund Manager	Akhil Mittal

Dynamic Fund

TATA Dynamic Bond Fund

At the time when interest rates seem volatile and there is uncertainty over the direction of the interest rate, TATA Dynamic Bond Fund helps in actively managing the maturities, which according to the Fund Manager is appropriate to the fluctuating interest rate scenarios.

Objective	Provide stable returns and high level of liquidity by investing in debt and money market instruments, as the regulation permits
Nature of scheme	Open-ended dynamic debt scheme which invests across duration
Suitable For	Investors seeking active interest rate risk management and hoping to earn a combination of accrual and capital appreciation income
Entry load	Nil
Exit load	0.50% of NAV if redeemed on or before 1 month from the allotment date
Risk-O-Meter	Moderate
Fund Manager	Akhil Mittal

Gilt Fund

TATA Gilt Securities Fund

Investors who wish to invest in debt instruments will find TATA Gilt Securities Fund an ideal investment avenue since it provides accrual income and capital appreciation opportunities, and at the same time, has little to no credit risk when compared with corporate debt securities.

Objective	Provide medium to long term capital appreciation by primarily investing in government securities.
Nature of scheme	Open-ended debt scheme primarily investing in G-sec across maturity.
Suitable For	Investors who want long-term accrual income along with capital appreciation opportunities.
Entry load	Nil
Exit load	0.50% of NAV if redeemed on or before 6 months from the allotment date
Risk-O-Meter	Moderate
Fund Manager	Naresh Kumar

ELSS Fund

TATA India Tax Savings Fund

TATA India Tax Savings Fund is an open ended ELSS with a mandatory lock-in period of 3 years. It comes with the dual advantage of tax benefit under Section 80C of the Income Tax Act and the opportunity to benefit from the long-term upside potential of the equity market.

Objective	Provide income TATA Index Fund distribution and/or medium to long term capital gains.
Nature of scheme	Open-ended ELSS with a statutory lock-in of 3 years and tax benefit
Suitable for	Individuals looking for capital appreciation opportunities for medium to long term horizon
Entry load	Not Applicable
Exit load	Lock-in for 3 years, Nil after 3 years
Risk-O-Meter	Moderately high
Fund manager	Rupesh Patel and Ennette Fernandes (Assistant Fund Manager)

Features of TATA Mutual Funds

Following are some of the key features of TATA Mutual Funds:

Flexibility: Investors can choose from a wide range of investment options across various asset classes. They can be availed for varying amounts and for as short or as long as the investor so requires.
Stability: TATA Mutual Fund is a well-established fund house that offers stability and returns over a period of time. It is committed to providing its customers with premium quality service.
Consistency: By following its value-based investment strategy, the fund house has been able to generate consistent returns.
Leadership and Trust: TATA’s adherence to ethical values has positioned it as a trusted leader in the market.
Services: The fund house provides a broad range of services to suit different customer requirements. It offers the highest quality of service with complete focus on the product offering, which is in line with the requirements and risk appetite of each investor.

Who is Eligible to Invest in TATA Mutual Funds?

The following individuals and entities are eligible to invest in TATA Mutual Funds:

Guardians or parents on behalf of minors
Corporate organisations, PSUs, trusts, institutions, funds, group of individuals, associations of persons and societies registered under the Societies Registration Act, 1860, among others
Hindu Undivided Families (HUF) in the sole name of the Karta
Asset Management Company (AMC), as per the rules and regulations formed by SEBI
Banking and financial investment institutions
Partners of a Partnership firm
Religious organisations and Charitable Trusts
NRIs/individuals of Indian origin living abroad (NRIs)
Navy/Army/Air Force, paramilitary Units and other defence institutions
Government-approved International Multilateral Agencies
Foreign Portfolio Investors

FAQs on TATA Mutual Fund

Why invest in TATA Mutual Funds?

Backed by TATA Group, TATA Mutual Fund has won the trust of lakhs of investors and established itself as one of the most trusted mutual fund houses in the country through its consistent performance and world-class service. The fund house offers investment options for all kinds of individuals - be it a businessman, a salaried professional, a retired person, a homemaker, an aggressive investor or a conservative capital builder.

Can multiple SIPs be registered in the same scheme of TATA MF?

Yes, multiple SIPs can be registered in the same scheme in the same month, however, it must be done on different dates. The individual will have to submit separate ECS/Auto Debit Mandate forms while registering for multiple SIPs in the same scheme.

What is the minimum investment required in SIP?

The minimum SIP amount (per instalment) will be as follows:

SIP Frequency	Monthly	SIP Frequency	Monthly	Monthly
Minimum SIP amount (Rs.)	500	1000	1000	1500
Minimum Number of Instalments	12	6	6	4

How much of my returns will be given to my nominees?

The returns generated will depend on the performance of the schemes where the investors money has been parked in. The proportion of the returns given to the nominees will depend on the percentage you have allotted to them in the nomination form.

Is it necessary for me to add nominees to my portfolio?

Nomination facility is generally mandatory in case of new folios or accounts opened by individuals with single holdings. For joint holdings, it is usually not mandatory to have a nominee. However, financial planners encourage investors to always include one.

How do I buy TATA Mutual Fund plan online?

To invest in a TATA Mutual Fund Plan online, click on the following link: www.TATAmutualfund.com/investor/invest-online

How do I contact TATA Mutual Fund Company?

The contact details of the fund house are as under:

Corporate Office: TATA Mutual Fund, 9th Floor, Mafatlal Centre, Nariman Point, Mumbai - 400 021, Maharashtra.

Toll Free No.: 1800 209 0101 Email: service@TATAamc.com SMS: TMF 57575

How do I login TATA Mutual Fund Company website?

Registered users can login to the company website using their username and password. New users who wish to register can do so by entering their PAN, Bank Account Number, Mobile Number and Email Address.

What is TATA Mutual Fund Company's Contact Number?

The fund house can be reached on their toll-free number - 1800 209 0101

What type of investor should invest in a small cap scheme?

In case of small-cap funds, fund managers can have 65% to 90% exposure to stocks of small companies. Investors who wish to take on higher risks can consider putting their money in this category.

Which TATA mutual fund scheme should I invest in?

The choice of scheme to invest in will depend on the investor’s needs and risk appetite. Equities are a good option for investors willing to take high risk, while debt funds are a favourable option for individuals who are risk-averse. Investors who prefer to invest in a combination of equity and debt can go for hybrid funds. The fund house also offers solution-based plans like child savings plan and retirement solution, to meet specific client requirement.

35+ Insurers. With 350+ Products

Objective	Provide capital appreciation and/or income distribution over medium to long term
Nature of scheme	Open-ended hybrid scheme primarily investing in equity & equity related instruments
Entry load	Not Applicable
Exit load	1.00% of the applicable NAV, if redeemed on or before 1 year from the allotment date
Risk-O-Meter	Moderately high
Fund Manager	Pradeep Gokhale and Murthy Nagarajan

Objective	Reflect the market returns with a very little tracking error
Nature of scheme	Open-ended equity scheme tracking S&P BSE Sensex
Suitable for	Investors who want to emphasize on and gain from portfolio diversification and low portfolio trading
Entry load	Not Applicable
Exit load	0.25% if redeemed on or before 7 days from the allotment date
Risk-O-Meter	Moderately High
Fund manager	Sonam Udasi