TATA HOUSING OPPORTUNITIES FUND
Tata Mutual Fund · Sectoral/Thematic · Regular plan, growth option
NAV (₹), 1 Oct 2026
14.1025
1-day change
-0.76%
1Y return
-5.1%
3Y CAGR
4.9%
5Y CAGR
n/a
Max drawdown, 5Y
n/a
NAV history month-end NAV, ₹ · 9 Sep 2022 to 1 Oct 2026
Returns vs Sectoral/Thematic median (259 schemes) and “Realty & housing” median (3)
| Period | Scheme | Category median | Realty & housing median |
|---|---|---|---|
| 1 month | -4.2% | -5.4% | -5.1% |
| 3 months | -5.7% | -3.1% | -6.6% |
| 6 months | 9.3% | 8.5% | 3.3% |
| Year to date | -5.9% | -2.6% | -6.7% |
| 1 year | -5.1% | 0.0% | -5.3% |
| 3 years (CAGR) | 4.9% | 11.7% | 7.0% |
| 5 years (CAGR) | n/a | 10.6% | 9.4% |
| 7 years (CAGR) | n/a | 15.7% | 12.5% |
| 10 years (CAGR) | n/a | 13.3% | n/a |
| Since first NAV (CAGR) | 8.7% | – | – |
“Realty & housing” is MFIC's grouping of Sectoral/Thematic schemes by the theme or index in their names, not an AMFI category.
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 3.7% | 9.8% |
| 3Y rolling median | 11.8% | 15.6% |
| 3Y rolling worst | 4.9% | 0.6% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | 0% | 71% |
| 5Y rolling median | n/a | 14.2% |
| 5Y rolling worst | n/a | 0.3% |
| 5Y periods ahead of benchmark | n/a | 70% |
Benchmark: Nifty 500 (proxy: Motilal Oswal Nifty 500 Index Fund, price return).
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 19.0% | 16.7% |
| Sharpe ratio | -0.07 | 0.34 |
| Sortino ratio | -0.10 | 0.51 |
| Beta | 1.15 | 0.96 |
| Alpha (ann.) | -5.3% | 2.3% |
| Upside capture | 94.95 | 103.56 |
| Downside capture | 116.26 | 96.87 |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −25.9% | −23.7% |
| Maximum drawdown, last 10Y | n/a | −39.3% |
| Maximum drawdown, last 5Y | n/a | −22.8% |
| Current drawdown | −17.5% | −8.8% |
| Recovery time of worst fall | n/a | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 2.65% a year and the Direct plan's 1.10%, a gap of 1.55%; over the last 3 years the Direct plan returned 1.74 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹33,85,876.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| 1 Aditya Bagul | 1 Jul 2025 | |
| 2 Kapil Malhotra | 1 Jul 2025 | |
| 3 Hasmukh Vishariya | 1 Mar 2025 | |
| 4 Murthy Nagarajan | 16 Aug 2022 |
Objective: The investment objective of the scheme is to seek long term capital appreciation by investing atleast 80% of its assets in equity/equity related instruments of the companies in the Consumption Oriented sectors in India.However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved.The Scheme does not assure or guarantee any returns.
Stated asset allocation: Equity and equity related instruments of entities engaged in activities of Housing theme 80% - 100%, Other Equity & Equity related Instruments including units of mutual fund 0% - 20%, Money market instruments including units of mutual fund, and other liquid instruments**, gold and/or silver instruments/ETF as permitted by SEBI 0% - 20%, Units issued by InvITS. ^ # 0% - 10% The scheme may invest in another scheme under the same asset management company or any other mutual fund without charging any fees, provided that aggregate inter-scheme investment made by all schemes under the same management or in schemes under the management of any other asset management company shall not exceed 5%…
Benchmark (tier 1): Nifty Housing Index (TRI)
Exit load: Redemption / Switch-out / SWP / STP on or before expiry of 30 days from the date of allotment: 1%
Minimum application: ₹5,000
Allotment date: 2 Sep 2022
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | 2.65% | 2.38% |
| AUM, whole scheme (₹ crore) | 451 | 1,245 |
| Riskometer | Very High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | -3.8% | -0.7% TRI |
| Return, 3 years (AMFI) | 5.2% | 9.0% TRI |
| Month-ends above category median (3Y CAGR) | 0% | 53% median |
| Month-ends in category top quartile (3Y) | 0% | 24% median |
Official benchmark: Nifty Housing TRI (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Sectoral/Thematic Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Nifty 500 proxy | Difference |
|---|---|---|---|
| 2026 YTD | -5.9% | -7.8% | +1.9% |
| 2025 | -3.6% | 7.7% | −11.3% |
| 2024 | 12.1% | 15.6% | −3.5% |
| 2023 | 39.2% | 26.5% | +12.6% |
Benchmark proxy: Motilal Oswal Nifty 500 Index Fund (Direct plan NAV, price return), which carries its own costs. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,15,370 | -7.1% |
| 3 years | ₹3,60,000 | ₹3,48,444 | -2.1% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
AMC: Tata Mutual Fund
Category: Sectoral/Thematic
Plan / option: Regular · Growth
AMFI scheme code: 150537
ISIN: INF277KA1521
First NAV in MFIC data: 9 Sep 2022
History: 4.1 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| PGIM India Multi Cap Fund | Multi Cap | 0.97 | n/a |
| Bandhan Business Cycle Fund | Sectoral/Thematic | 0.97 | n/a |
| Bajaj Finserv Flexi Cap Fund | Flexi Cap | 0.96 | 14.0% |
| DSP Multi Cap Fund | Multi Cap | 0.96 | n/a |
| Franklin India Multi Cap Fund | Multi Cap | 0.96 | n/a |
| Nippon India Flexi Cap Fund | Flexi Cap | 0.96 | 7.4% |
Questions about TATA HOUSING OPPORTUNITIES FUND
- What is the latest NAV of TATA HOUSING OPPORTUNITIES FUND?
- The NAV of the Regular plan (growth option) was ₹14.1025 on 1 Oct 2026, as published by AMFI.
- Which category is TATA HOUSING OPPORTUNITIES FUND in?
- It is classified as Sectoral/Thematic in AMFI's daily NAV file; a Sectoral/Thematic scheme invests at least 80% in one sector or theme. MFIC compares it with 259 Sectoral/Thematic schemes (Regular plans).
- What returns has TATA HOUSING OPPORTUNITIES FUND delivered?
- Over one year the NAV changed by -5.1%. The 3-year CAGR is 4.9% (category median 11.7%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 11.8%, the lowest was 4.9%, and 100% of 3-year periods ended with a gain. It was ahead of Nifty 500 (index-fund proxy) in 0% of those periods.
- What was the largest fall in TATA HOUSING OPPORTUNITIES FUND's NAV?
- The largest peak-to-trough fall in its available history was 25.9%.
- How volatile is TATA HOUSING OPPORTUNITIES FUND?
- Its annualised standard deviation of monthly returns over the last 36 months is 19.0%, which is above the Sectoral/Thematic category median of 16.7%.
- What would a monthly SIP in TATA HOUSING OPPORTUNITIES FUND have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 3 years (36 instalments, ₹3,60,000 invested) would have been worth about ₹3,48,444 on 1 Oct 2026, an annualised return (XIRR) of -2.1%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of TATA HOUSING OPPORTUNITIES FUND?
- The total expense ratio of the Regular plan is 2.65% a year, as disclosed to AMFI (median of Sectoral/Thematic Regular plans: 2.38%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is TATA HOUSING OPPORTUNITIES FUND?
- Assets under management of the whole scheme were ₹451 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of TATA HOUSING OPPORTUNITIES FUND?
- AMFI lists the scheme's riskometer as “Very High”, and its benchmark's as “Very High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of TATA HOUSING OPPORTUNITIES FUND and how has it compared?
- Its official benchmark is the Nifty Housing TRI. Over 3 years AMFI reports a return of 5.2% for this plan against 9.0% for the benchmark total return index. Past performance does not indicate future results.
- How often has TATA HOUSING OPPORTUNITIES FUND beaten its category?
- At 0% of the 13 month-ends compared over the last 10 years, its 3-year return was above the median of Sectoral/Thematic schemes (Regular plans); it was in the top quarter at 0% of them. A typical scheme would show about 50%.
- Who manages TATA HOUSING OPPORTUNITIES FUND?
- According to its Scheme Summary Document, TATA HOUSING OPPORTUNITIES FUND is managed by 1 Aditya Bagul (since 1 Jul 2025), 2 Kapil Malhotra (since 1 Jul 2025), 3 Hasmukh Vishariya (since 1 Mar 2025), 4 Murthy Nagarajan (since 16 Aug 2022).
- What is the exit load of TATA HOUSING OPPORTUNITIES FUND?
- As stated in its scheme documents: Redemption / Switch-out / SWP / STP on or before expiry of 30 days from the date of allotment: 1% Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in TATA HOUSING OPPORTUNITIES FUND?
- The minimum application amount is ₹5,000. SIP details: SIP-- 100.00/100.00/100.00/100.00/100.00/100.00 ;STP --500.00/500.00/500.00/500.00 ;SWP --500.00/500.00/500.00/500.00.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by -3.6% and the Regular plan's by -5.1%. The Regular plan includes the services of a distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Regular plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.