Tata Mutual Funds in 2025: Overview, Features, and Insights
Tata Mutual Fund, managed by Tata Asset Management Limited (TAML), is one of India’s oldest fund houses. Established in 1994, it offers a wide range of schemes across equity, debt, hybrid, and solution-oriented categories. This article covers its history, fund types, features, benefits, risks, taxation, and other key details.
List of Tata Mutual Funds in India
Here is a list of the 10 best Tata mutual funds based on 3Y CAGR.
| Fund Name | Fund Size (₹ cr) | Expense Ratio (%) | CAGR 3Y (%) |
|---|---|---|---|
| Tata Money Market Fund | 41,234 | 0.15 | 7.77 |
| Tata Small Cap Fund | 11,576 | 0.33 | 23.14 |
| Tata Balanced Adv Fund | 10,353 | 0.42 | 12.02 |
| Tata Value Fund | 8,607 | 0.80 | 19.33 |
| Tata Ultra Short Term Fund | 4,610 | 0.28 | 7.53 |
| Tata ELSS Fund | 4,595 | 0.71 | 15.86 |
| Tata Corporate Bond Fund | 4,209 | 0.31 | 7.82 |
| Tata Treasury Advantage Fund | 3,284 | 0.24 | 7.40 |
| Tata Banking & Financial Services Fund | 2,894 | 0.47 | 18.24 |
| Tata Large Cap Fund | 2,631 | 0.99 | 15.22 |
Disclaimer: Please note that the above table is for educational purposes only, and is not recommendatory. Please do your own research or consult your financial advisor before investing. The data is derived from Tickertape Stock Screener and is subject to real-time updates.
Note: The data on the top Tata Mutual Funds in India in the list is from 2nd September 2025. This data is derived from the Tickertape Mutual Fund Screener.
🚀 Pro Tip: You can use Tickertape’s Mutual Fund Screener to research and evaluate funds with over 50+ pre-loaded filters and parameters.
Brief Overview of the Best Tata Mutual Funds
Tata Money Market Fund
Tata Money Market Fund invests in short-term money market instruments like treasury bills and commercial papers. The fund focuses on liquidity and reasonable returns with relatively low risk by investing in high-quality fixed-income securities to maintain capital stability.
Tata Small Cap Fund
Tata Small Cap Fund invests primarily in emerging and small-sized companies. It aims to capture long-term growth potential by identifying businesses with strong fundamentals and expansion opportunities. While the fund carries higher volatility compared to large-cap schemes, it offers exposure to companies that may grow into significant market players in the future.
Tata Balanced Advantage Fund
Tata Balanced Advantage Fund is a hybrid scheme that dynamically shifts between equity and debt. The fund aims to balance risk and return by increasing equity exposure in rising markets and allocating more to debt in uncertain phases. This flexibility helps manage volatility while pursuing growth opportunities in India’s capital markets.
Tata Value Fund
Tata Value Fund follows a value-investing approach by identifying companies trading below their intrinsic value. It invests in fundamentally strong businesses with long-term potential that may be temporarily undervalued. This strategy seeks capital appreciation over time, though the fund’s performance depends on market recognition of undervalued opportunities and broader sector recovery cycles.
Tata Ultra Short Term Fund
Tata Ultra Short Term Fund invests in debt and money market instruments with short maturity. It is designed to provide a reasonable income with low interest rate sensitivity. The fund focuses on providing stability and liquidity, but its returns are typically lower than those of equity or long-duration debt funds.
Tata ELSS Fund
Tata ELSS Fund is an equity-linked savings scheme (ELSS) that offers tax benefits under Section 80C. It invests in a diversified portfolio of stocks across sectors and market caps. The fund has a three-year lock-in period, encouraging long-term investing while aiming to provide capital appreciation along with tax-saving advantages for investors.
Tata Corporate Bond Fund
Tata Corporate Bond Fund primarily invests in high-quality corporate debt instruments. It aims to provide steady income and capital preservation by focusing on securities issued by financially strong companies. The fund is suitable for conservative investors looking for relatively stable returns, though it carries credit and interest rate risks inherent to debt investments.
Tata Treasury Advantage Fund
Tata Treasury Advantage Fund is a low-duration debt scheme that invests in money market and short-term debt instruments. The fund focuses on generating reasonable income while maintaining liquidity.
Tata Banking & Financial Services Fund
Tata Banking & Financial Services Fund is a thematic equity scheme that invests in banks, NBFCs, insurance, and other financial institutions. It captures opportunities in India’s growing financial sector, driven by credit growth, digital adoption, and reforms. Being sector-focused, the fund carries higher concentration risks but offers exposure to a critical driver of India’s economy.
Tata Large Cap Fund
Tata Large Cap Fund invests in the top 100 large-cap companies by market capitalisation. It aims to provide stability and long-term growth by focusing on established businesses with proven track records. The fund offers investors exposure to India’s market leaders, though returns remain linked to broader equity market performance and sectoral movements.
What is Tata Mutual Fund?
Tata Mutual Fund is managed by Tata Asset Management Limited (TAML), part of the Tata Group and among India’s well-established fund houses. It offers a variety of mutual fund schemes across equity, debt, hybrid, and tax-saving options, designed to meet diverse investor needs.
As of 30th June 2025, Tata Mutual Fund manages assets worth approximately ₹2,07,043 cr, making it one of India’s largest fund houses. It offers over 60 schemes, including equity, hybrid, and debt options, with 38 focused on equities.
Top Tata Mutual Fund Managers in India
Akhil Mittal
Akhil Mittal, MBA from UBS Chandigarh, joined Tata Mutual Fund in 2014 as Senior Fund Manager of Fixed Income, managing ₹4,102 cr. across 18 debt and hybrid schemes.
Rahul Singh
Rahul Singh, CIO of Equities at Tata MF since 2018, has 26+ years’ experience, previously at Ampersand Capital, Citigroup, and Standard Chartered; he holds a B.Tech and Finance from IIM Lucknow.
Chandraprakash Padiyar
With 21+ years’ experience, Chandraprakash Padiyar joined Tata AMC in 2018 after roles at Alchemy Capital and UTI. He holds a Master’s in Finance and is a CFA charterholder.
Soham H Udasi
Soham Udasi joined Tata Mutual Fund in 2014 after stints at IDBI Capital and JM Financial. He holds dual Post Graduate Diplomas in Business Administration, specialising in Finance.
Sailesh Jain
Sailesh Jain, with 18+ years in fund management and broking, joined Tata AMC in 2018; earlier led derivatives at IDFC Securities and worked at IIFL, holding a Master’s in Finance.
Features of Tata MF Best Schemes
- Wide Range of Schemes: Tata Mutual Fund offers equity, debt, hybrid, index, and solution-oriented schemes, giving investors multiple choices across risk profiles and financial goals.
- Strong Brand Legacy: Backed by the Tata Group, the AMC carries a legacy of trust, governance, and reliability, which adds to investor confidence in its products.
- Experienced Fund Managers: The AMC employs seasoned fund managers who use research-driven strategies to manage portfolios and identify long-term opportunities across sectors and asset classes.
- Thematic and Sectoral Options: Apart from diversified funds, Tata also offers thematic schemes like Tata Digital India Fund, catering to specific growth sectors such as IT.
- PAN-India Presence Tata Mutual Fund makes its schemes accessible to both retail and institutional investors, with offices and digital platforms across India.
Who Can Invest in the Best Tata Mutual Funds?
- Diversified Investors: Tata Mutual Funds may appeal to those seeking exposure across multiple categories. With equity, debt, hybrid, and thematic schemes, the AMC offers options that may align with different risk profiles and investment preferences.
- Long-Term Planners: Equity-oriented Tata funds may align with individuals who plan over extended horizons, where the focus is on wealth creation while navigating market cycles.
- Conservative Participants: Tata’s debt and short-duration funds may appeal to those seeking relative stability, though returns are not guaranteed and depend on factors like interest rates and credit quality.
- Theme-Oriented Followers: Tata’s thematic funds, such as Tata Digital India Fund, may interest those tracking specific industries like technology, offering focused exposure but also higher volatility.
- Goal-Based Investors: Solution-oriented schemes like Tata Retirement Savings Fund cater to investors with defined objectives. These funds structure portfolios to align with milestones such as retirement planning.
Documents Required to Invest in Tata Mutual Fund
The KYC (Know Your Client) documentation comprises evidence of identity and proof of address. These are:
IDENTITY VERIFICATION
- Mandatory: PAN Card
- Voter ID Card
- Driving License
- Passport
- Aadhaar Card
- Any other identity card issued by the Central or State Government
ADDRESS VERIFICATION
- Voter ID Card
- Driving License
- Passport
- Ration Card
- Aadhaar Card
- Bank account statement or passbook
- Utility bills such as electricity or gas bills
Note: The documents required may differ based on individual circumstances. It is advisable to confirm the exact list of documents directly with Tata Mutual Fund before proceeding.
Taxation on Tata Mutual Funds as per the Union Budget for 2024-25
The taxation of Tata Mutual Funds depends on the type of scheme: equity, debt, hybrid, gold, or international. The latest rules from the Union Budget 2024 are:
Equity Mutual Funds (including Equity-Oriented Hybrid Funds)
| Capital Gains Type | Holding Period | Tax Rate (New) | Notes |
| Short-Term Capital Gains (STCG) | Less than 12 months | 20% | Increased from 15% earlier |
| Long-Term Capital Gains (LTCG) | More than 12 months | 12.50% | Gains up to ₹1.25 lakh per year are tax-free; no indexation benefit |
Debt Mutual Funds (including Debt-Oriented Hybrid Funds)
| Capital Gains Type | Holding Period | Tax Rate (New) | Notes |
| Short-Term Capital Gains (STCG) | Less than 36 months | As per income tax slab | Taxed at individual slab rate |
| Long-Term Capital Gains (LTCG) | More than 36 months | 12.50% | No indexation benefit |
Gold & International Mutual Funds
| Capital Gains Type | Holding Period | Tax Rate (New) | Notes |
| Short-Term Capital Gains (STCG) | Less than 24 months | As per income tax slab | Reduced from earlier 36 months |
| Long-Term Capital Gains (LTCG) | More than 24 months | 12.50% | Reduced from earlier 20%; no indexation benefit |
Dividends from Mutual Funds
- Dividends received from Tata Mutual Funds are taxed as per the investor’s income tax slab.
- The 20% TDS on mutual fund unit repurchase has been removed, but investors must report dividend income while filing returns.
Benefits of Investing in the Best Tata Mutual Funds
- Diverse Product Portfolio: Tata Mutual Fund offers a variety of schemes across equity, debt, hybrid, and thematic categories, giving investors multiple choices that suit different risk levels and financial objectives.
- Strong Corporate Governance: Being part of the Tata Group, the AMC benefits from a legacy of ethical business practices and governance standards, which adds credibility and trust to its mutual fund offerings.
- Research-Driven Management: Tata Mutual Fund combines in-depth market research with experienced fund management to build strategies that aim for consistent performance across market cycles while balancing risk and reward.
Risks of Tata Mutual Funds
- Category-Specific Risks: Online Tata mutual funds carry varying risks. Small-cap and thematic funds are more volatile because they depend heavily on market cycles, while debt funds face risks from interest rate changes and credit quality.
- Concentration Risk: Some funds from Tata AMC, especially thematic or sectoral ones, focus heavily on particular industries. Theme-based funds with limited diversification may increase risks if they underperform.
- Interest Rate Sensitivity: Debt-oriented Tata mutual fund schemes, including bond and gilt funds, respond to changes in interest rates. Rising rates can reduce bond values and impact overall performance.
- Performance Variability: Like all funds, Tata mutual fund performance differs across time periods. Market cycles and changing conditions can impact mutual fund performance, so past data may not reflect future outcomes.
Factors to Consider Before Investing in Tata Mutual Funds
- Investment Horizon: Different Tata Mutual Fund schemes suit different timeframes. Equity funds may require longer holding periods, while debt funds may align with shorter goals. The reviews of Tata mutual fund performance often highlight differences in returns, risk levels, and portfolio strategies.
- Risk Appetite: Tata Mutual Funds range from low-risk debt to high-risk thematic funds. Understanding risk preference is key when examining Tata mutual funds across categories.
- Fund Costs: Expense ratios and exit loads vary for every mutual fund. Even small differences can affect outcomes, which is why investors need to review all cost components when assessing Tata MF options.
- Diversification: Some Tata funds are broad-based, while others are thematic or concentrated. Investors may consider portfolio diversification as one of the key factors when evaluating Tata Mutual Fund ratings.
- Tax Implications: Equity, debt, and hybrid schemes are taxed differently. Investors track post-tax outcomes as part of Tata mutual fund portfolio analysis.
To Wrap It Up…
Tata Mutual Fund, managed by Tata Asset Management Limited (TAML) and backed by the Tata Group, is one of India’s well-established fund houses. Its offerings include Tata equity mutual funds across large-cap, mid-cap, and thematic categories. It also manages Tata debt mutual funds, which cover short-duration, income, and fixed-maturity products., However, the performance varies across schemes and depends on factors such as market cycles, costs, and category-specific risks. Like all mutual funds, past performance does not guarantee future results.
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Frequently Asked Questions (FAQs) on Best Tata Mutual Funds
The 3 best-performing Tata mutual funds often highlighted are:
– Tata Money Market Fund
– Tata Small Cap Fund
– Tata Large & Mid Cap Fund
These are frequently compared alongside Tata balanced mutual funds for portfolio diversification.
Note: This information is for educational purposes only and is not a recommendation.
Like all mutual funds, Tata schemes carry risks and rewards. Their performance varies across categories, making due diligence important before considering investment.
The minimum SIP amount for many Tata schemes starts at ₹100. Different Tata SIP options exist across funds, depending on the scheme structure.
SIP calculators help estimate growth, but market movements influence final returns. The tool is often used when exploring how to invest in Tata MF from a research perspective.
Tata Mutual Fund units can be redeemed online through its official channels or broker platforms.
You can increase the SIP amount online or offline. Investors often check Tata MF NAV as of today updates to assess performance before making changes.
Investors can choose to discontinue SIPs digitally through official platforms. Before doing so, some reviews compare schemes using Tata mutual fund comparison to evaluate alternatives.
Tata Mutual Fund statements are available through its official website or distributors. These records often help in assessing suitability for Tata mutual fund for long-term investment planning.
