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Tata India Consumer Fund Direct-Growth

Equity Thematic-Consumption

PLAN: GROWTH TYPE : OPEN-ENDED OPTION: Growth

1 Yr return

8.37%

3 Yrs CAGR returns

19.87%

5 Yrs CAGR returns

NA

NAV as on 27 Dec

₹ 19.41 by 0.14 ( 0.51%)

Expense ratio

0.85

Exit load

1%

Fund Size (Cr)

₹ 1388.38


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Performance Graph*
Returns Calculator
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If ₹5000 invested for 1

Estimated returns*

₹ 0

with % annual returns

Direct Funds
Estimated amount
₹ 10,27,000
Regular Funds
Estimated amount
₹ 9,91,000

* The calculator, based on assumed rate of returns, is meant for illustration purposes only.More

The calculations are not based on any judgments of the future return and should not be construed as promise on minimum returns. Information gathered and material used in this calculator is believed to be from reliable sources. Paisabazaar however does not warrant the accuracy, reasonableness and/or completeness of any such information. While utmost care has been exercised while preparing the calculator, Paisabazaar does not warrant the completeness or guarantee that the achieved computations are flawless and/or accurate and disclaims all liabilities, losses and damages arising out of the use or in respect of anything done in reliance of the calculator.

investment objective

The scheme seeks long term capital appreciation by investing atleast 80% of it's net assets in equity/equity related instruments of the companies in the Consumption Oriented sectors in India.

Tax Implications

Returns are taxed at 15%, if you redeem before one year. After 1 year, you are required to pay LTCG tax of 10% on returns of Rs 1 lakh+ in a financial year.

riskometer
Top Holdings
Top 10 Sectors %
FMCG 57.29
Automobile 11.5
Services 6.41
Retailing 6.26
Cons Durable 5.92
Chemicals 3.89
Textiles 3.01
Engineering 2.99
Financial 1.36
Others 0.9
Top 10 Sectors %
Cosmetics & Toiletries 10.46
Tobacco Prod. 10.11
Hotels & Restaurants 5.23
Footwear 4.9
Dairy products 4.88
Liquors 4.33
Cosmetics & Toiletries 4.24
Tea & Coffee 4.13
Two & Three Wheelers 4.01
Paints & Varnishes 3.89
Fund house details
Fund House Tata Mutual Fund
Fund Manager Ennettee Fernandes
Fund Setup Date 04 Dec 2015
Address 9th Floor, Mafatlal Centre, Nariman Point, undefined
Contact 1800 209 0101
Email ID service@tataamc.com
More About This Fund

About Tata India Consumer Fund

This is an open-ended equity scheme which invests in the consumption oriented sector of India. It endeavors to obtain long-term capital valuation with minimum 80% of the net assets allocated into equities & equity related instruments of organisations from the consumer oriented sectors such as Automobiles, Media & Entertainment, Consumer Durables and FMCG, Textiles etc.

You can invest in the fund with amount as low as Rs.500 under Systematic Investment Plan (SIP) or opt for lump sum with minimum Rs.5000. The top holdings of the fund include Hindustan Unilever, ITC, GSK Consumer Healthcare, Bata India, Jubilant Foodworks etc.

The fund manager directs the asset allocation into selected sectors, from the theme of Consumption, which have high-growth potential making the fund comparatively less risky

Who Should Invest in this Fund?

  • If you are an investor with high-risk appetite, you can opt to invest in this fund
  • Investors willing to grow their capital with opportunities in consumption oriented sector
  • Thematic funds tend to give high returns during market upturns. However, Investing in a core thematic portfolio is not favourable as during the times of market downturns, these funds can abrade the gains. You can consider investing into multi-cap funds such as Motilal Oswal Multicap 35 fund or SBI Magnum Multicap Fund wherein the fund managers ensure allocation of assets into top companies to get maximum gains
  • Investors who are familiar with the changing market trends and are able to make analytical decisions
  • The expense ratio for the fund is 2.23% which is slightly higher than diversified equity mutual funds. If you are ready to bear the cost, you can definitely choose this fund

Will You Pay Tax?

If an investor has made a capital gain of ₹50000 on investment in an equity fund, Short Term Capital Gains Tax of 15% would be levied if s/he withdraws the amount within one year of investment. The payable tax would be ₹7500.

Also, if an investor has made a capital gain of ₹1.5 lakh on investment in an equity fund, and withdraws the amount after 1 year of investment, Long Term Capital Gains Tax of 10% would be levied on ₹50000. ₹1Lakh is exempted from taxation. The payable tax would be ₹5000.

Also Read: Can I withdraw my money from a mutual fund?

How to Invest in this Fund Online?

  • Sign Up/Sign In to Paisabazaar.com and go to ‘Equity Funds’
  • Click on the section of ‘Thematic Funds
  • Type and search directly by the name of Tata India Consumer Fund. Once it opens up, look at the details. You can also compare similar funds as well as use SIP Calculator or Lumpsum Calculator to estimate the future value of your investment.
  • Click on ‘Invest Now’, select either Lump sum or SIP

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  • Important scheme details such as latest Net Asset Value (NAV), expense ratio, assets under management, etc are also available on the portal, making it easier for consumers to pick a suitable fund.

Frequently Asked Questions

Q. What are thematic funds?
A. Thematic Mutual Funds are those schemes/funds which invest in the stocks of a particular theme. For example: Infrastructure, Multinational Companies, Consumption etc.

Q. How should I invest in the fund, through SIP or Lump Sum?
A.
Investments can be through both the modes SIP and Lump Sum. However, SIP is more convenient, less-risky and also gives the benefit of rupee cost averaging.

Q. Which is riskier sectoral or thematic fund?
A.
As far as risk factor is concerned, thematic funds are less-risky because they invest in multiple sectors of a particular theme, diversifying the investment risk to an extent. However, sectoral funds invest in a small number of companies making it riskier.

Q. What is the entry load for Tata India Consumer Fund?
A.
No entry load is applicable in this fund

Q. What is the exit load for the fund?
A.
If an investor redeems the purchased units within 1 year of allotment of units, an exit load of 1% is payable by the investor. However, no exit load is levied for redemption of units after 1 year of purchase.

Q. How are returns from this fund Taxed?
A.
If returns are withdrawn before one year of investment, Short Term Capital Gains Tax of 15% is levied. Long Term Capital Gains Tax above capital gains of ₹1 lakh is levied on returns withdrawn after 1 year of investment.

Q. Who is the fund manager and what is her strategy of investment?
A. Sonam Udasi is the Fund Manager of Tata India Consumer Fund. She prefers to invest in equity securities in order to obtain inflation beating returns along with long-term growth of capital. Sonam, with over 22 years of professional experience in portfolio management, advances an analytical approach towards the selection of sectors to invest into, falling under the theme of Consumption.