Tata Short Term Bond Fund

Q: What are the returns of this mutual fund scheme?

The Tata Short Term Bond Fund is a 23 yrs 2 m old fund and has delivered average annual returns of 7.05% since inception. Tata Short Term Bond Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 7.28% 7.16% 5.31% 5.95% 7.05%

Q: How much does this mutual fund charge as expense ratio?

The Tata Short Term Bond Fund has an expense ratio of 1.18% , representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

NAV as of Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹48.7447+0.04% 1 day change	7.05% p.a.	App exclusive #NA View Ranked Funds	₹3,305 Cr

Historical NAV & returns

NAV: ₹48.7447 as on Oct 20, 2025

This fund Category average

Tata Short Term Bond Fund overview

AUM (Fund size)	₹3,305 Cr
Exit load	0%
Lock-in Period	Nil
Age	23 yrs 2 m since Aug 08, 2002
Benchmark	CRISIL Short Duration Debt A-II Index
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	1.18% as on Sep 30, 2025
Plan type	Regular
Risk	Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Tata Short Term Bond Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Oct 25, 2025

Period	This fund	Category average
1 Month	0.6%	0.63%
3 Months	1.0%	1.2%
6 Months	2.53%	3.07%
1 Year	7.28%	7.95%
2 Years	7.51%	7.97%
3 Years	7.16%	7.57%
4 Years	5.87%	6.44%
5 Years	5.31%	6.07%
7 Years	6.12%	6.7%
10 Years	5.95%	6.73%

Asset allocationas on Sep 30, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

AAA 64.081136%

SOV 26.45201808%

A1+ 5.71%

Cash & Call Money 3.43697299%

Top Debt Holdings

GOI 16.09%

National Housing Bank 7.69%

HDFC Bank Ltd. 5.71%

Gujarat State 5.11%

Allocation by Instruments

Debenture 36.580000000000005%

GOI Securities 16.09%

Non Convertible Debenture 12.26%

State Development Loan 10.25012708%

Other Holdings

Others 0.29%

Tata Nifty SDL Plus AAA PSU Bond Dec 2027 60:40 Index Fund Direct - Growth 0.19%

Roadstar Infra Investment Trust 0.03%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Tata Short Term Bond Fund	0.6%	2.53%	7.28%	7.16%	5.31%	5.95%
UTI Short Duration Fund	0.62%	3.1%	7.79%	7.58%	6.91%	6.26%
ICICI Prudential Short Term Fund	0.64%	3.32%	8.2%	7.82%	6.37%	7.43%
Sundaram Short Duration Fund	0.57%	2.97%	7.69%	7.53%	7.14%	6.22%
SBI Short Term Debt Fund	0.63%	3.28%	8.23%	7.63%	5.76%	6.94%
Aditya Birla Sun Life Short Term Fund	0.73%	3.14%	8.1%	7.64%	6.16%	7.33%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Tata Short Term Bond Fund	1.06	2.64	0.49	0.85
UTI Short Duration Fund	0.89	2.25	1.04	1.95
ICICI Prudential Short Term Fund	0.78	1.79	1.5	2.53
Sundaram Short Duration Fund	1.02	2.5	0.88	1.59
SBI Short Term Debt Fund	0.96	2.45	0.99	1.81
Aditya Birla Sun Life Short Term Fund	0.96	2.35	0.97	1.58

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Tata Short Term Bond Fund	N.A.	3,305 Cr	23 yrs 2 m	1.18%
UTI Short Duration Fund	N.A.	3,231 Cr	18 yrs 1 m	0.82%
ICICI Prudential Short Term Fund	N.A.	22,387 Cr	24 yrs	1.05%
Sundaram Short Duration Fund	N.A.	195 Cr	22 yrs 5 m	0.89%
SBI Short Term Debt Fund	N.A.	16,277 Cr	18 yrs 3 m	0.82%
Aditya Birla Sun Life Short Term Fund	N.A.	10,696 Cr	22 yrs 6 m	0.99%

View all Short Duration funds

Key risk & return ratios Compared to other funds in the category

Alpha	5.28 vs. 4.2 Higher outperformance against benchmark
Sharpe	0.49 vs. 3.83 Poor risk-adjusted returns
Beta	2.64 vs. 1.92 More sensitive to market's ups & downs
Standard deviation	1.06 vs. 1.01 More volatile performance

Compare Tata Short Term Bond Fund in detail with

About this fund

About Tata Short Term Bond Fund

Tata Short Term Bond Fund is a Short Duration mutual fund scheme from Tata Mutual Fund. This fund has been in existence for 23 yrs 2 m, having been launched on 08/08/2002. Tata Short Term Bond Fund has ₹3,305 Crores worth of assets under management (AUM) as on 30/09/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Tata Short Term Bond Fund as of 20/10/2025 is ₹48.74. The fund has an expense ratio of 1.18%, which is higher than what most other Short Duration funds charge.

Tata Short Term Bond Fund returns of last 1-year are 7.32%. Since launch, it has delivered 7.06% average annual returns. The fund has doubled the money invested in it every 12 yrs.
Tata Short Term Bond Fund scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is below average.
The fund's credit profile is very high indicating it has lent to borrowers whose quality is excellent. Most funds in this category lend to better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in GOI, National Housing Bank, HDFC Bank Ltd., Gujarat State, REC Ltd..

...

Fund AUM	3,305 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

Fund managers

Abhishek Sonthalia

Mr. Sonthalia has done B. Com, Management Programme from NITIE and CFA Charter holder. Prior to joining Tata Mutual Fund, he has worked with CRISIL Ltd. and TCS.

Amit Somani

Mr.Somani is a B.Com, PGDBM and CFA. Prior to joining Tata Asset Management Ltd in 2010 he has worked with Fidelity Investments Netscribes Pvt. ltd, SPA Capital and Khandwala Securities.

Investment objective

The scheme seeks to generate regular income/appreciation over a short term period.

Tata Mutual Fund details

No. of schemes	61 view all schemes
Total AUM	2,17,939 Cr as on Sep 30, 2025
Address	9th Floor, Mafatlal Centre, Nariman Point, Mumbai, 400021
Email	service@tataamc.com
Phone	1800-209-0101

More funds from Tata Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
Tata Money Market Fund	N.A.	38,808 Cr	7.6%	7.57%
Tata Treasury Advantage Fund	N.A.	2,925 Cr	7.36%	7.2%
Tata Gilt Securities Fund	N.A.	1,267 Cr	6.05%	7.06%
Tata Liquid Fund	N.A.	21,302 Cr	6.69%	6.97%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of Tata Short Term Bond Fund?

The current Net Asset Value (NAV) of the Tata Short Term Bond Fund plan is approximately ₹48.7447 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The Tata Short Term Bond Fund is a 23 yrs 2 m old fund and has delivered average annual returns of 7.05% since inception.

Tata Short Term Bond Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
7.28%	7.16%	5.31%	5.95%	7.05%

How much does this mutual fund charge as expense ratio?

The Tata Short Term Bond Fund has an expense ratio of 1.18%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The Tata Short Term Bond Fund currently has assets under management (AUM) or fund size valued at approximately 3,305 Cr as on Sep 30, 2025.

To whom does Tata Short Term Bond Fund lend to?

The top 3 debt holdings of Tata Short Term Bond Fund are as follows

Holding Name	Percentage of Portfolio
GOI	16.09%
National Housing Bank	7.69%
HDFC Bank Ltd.	5.71%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The Tata Short Term Bond Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AAA	64.081136%
SOV	26.45201808%
A1+	5.71%

What is risk level of Tata Short Term Bond Fund?

This is a Short Duration fund comes with Moderate risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How can I redeem my investments in Tata Short Term Bond Fund?

Redeeming your investments in the Tata Short Term Bond Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Short Duration

#NA

Exit Load: This fund has no exit load.
Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.
Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
Return/Risk: The fund is performing poorly than its category.