Tata Housing Opportunities Fund - Regular Plan - Growth
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Delivered positive returns in 100% of 3-year investment horizons.
- Downside capture of 123% indicates larger drops during broader market downturns.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +9.21% | +6.32% | +2.89% |
| 3 Months | +1.42% | -0.20% | +1.62% |
| 6 Months | +5.25% | +5.98% | -0.73% |
| 1 Year | +0.06% | +3.90% | -3.84% |
| 3 Years CAGR | +6.94% | +13.23% | -6.29% |
| Since Inception | +10.53% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in Tata Housing Opportunities Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +1.97% | +4.03% | -2.06% |
| 2025 | -3.58% | +1.43% | -5.01% |
| 2024 | +12.12% | +20.41% | -8.29% |
| 2023 | +39.16% | +30.70% | +8.46% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -13.40% | +12.19% | +3.12% | +44.11% | 59.6% | 20.5% |
| 3-Year Rolling | +4.03% | +10.94% | +11.11% | +16.37% | 100.0% | 0.0% |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2024-09-23 | 2026-03-31 | -25.9% | 18 months | Not yet recovered |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| 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% of the net asset value of the mutual fund. Such investments shall be made in the schemes which are permitted by SEBI from time to time. ** Other liquid instruments include cash, bank deposits with Scheduled Commercial Banks, Government Securities, Treasury bills, Repo on Government securities and any other instruments as specified by the SEBI. # A mutual fund may invest in the units of InvITs subject to the following: (a) No mutual fund under all its schemes shall own more than 10% of units issued by a single issuer of InvIT; and (b) The scheme shall not invest – i. more than 10% of its NAV in the units of InvIT; and ii. more than 5% of its NAV in the units of InvIT issued by a single issuer Units of Equity Mutual funds will be considered under allocation for Equity and Equity related instruments | Per Scheme Mandate |
Investment Objective & Strategy
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.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 481 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as comfortable relative to Sectoral / Thematic schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.
Closest Sectoral / Thematic Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| Taurus Infrastructure Fund | 2.5 | +7.02% | 2.52% | 134.4% | Rs 8.50 cr | Compare → |
| LIC MF Banking and Financial Services Fund | 2.2 | +6.86% | 2.76% | 111.9% | Rs 272 cr | Compare → |
| Axis Quant Fund | 2.6 | +7.55% | 4.06% | 113.9% | Rs 796 cr | Compare → |
| Tata Digital India Fund | 4.6 | +5.36% | 1.78% | 74.1% | Rs 10,130 cr | Compare → |
| SBI MNC FUND | 4.1 | +7.39% | 2.01% | 90.3% | Rs 6,531 cr | Compare → |
Frequently Asked Questions about Tata Housing Opportunities Fund
What is the expense ratio of Tata Housing Opportunities Fund?
Tata Housing Opportunities Fund has a total expense ratio (TER) of 2.59% with a base expense ratio of 2.09%, compared to the Sectoral / Thematic category median of 2.52%.
Who manages Tata Housing Opportunities Fund?
Tata Housing Opportunities Fund is managed by Aditya Bagul (tenure: 1.4 years since 2025-07-01).
What are the historical returns of Tata Housing Opportunities Fund?
Tata Housing Opportunities Fund delivered a 3-year CAGR of 6.94%. Its 1-year return stands at +0.06%.
How large is Tata Housing Opportunities Fund?
Tata Housing Opportunities Fund manages assets of Rs 481 cr, placing it in the 'comfortable' size band relative to Sectoral / Thematic peers.
How is Tata Housing Opportunities Fund scored on MFIQ?
Tata Housing Opportunities Fund holds an MFIQ Score of 3.0/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is Tata Housing Opportunities Fund?
Tata Housing Opportunities Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 16.16% with a maximum historical drawdown of -25.89%.