Investment Objective and Approach

The scheme seeks to generate returns through investment in Debt & Money Market instruments such that the Macaulay duration of the portfolio is between 3 months - 6 months. Ultra Short Duration Funds maintain a portfolio of debt and money market instruments wherein the portfolio has a Macaulay duration of around 3 to 6 months. Among the duration funds, these funds are relatively less affected by the movement of overall interest rates. These funds may be suitable to earn regular income with high liquidity.

Key Investment Features:

- Invests in portfolio of short term debt and money market instruments, that offers low interest rate risk

- Portfolio duration maintained between 3-6 months for optimal risk-return balance

- Focus on high-quality debt securities with strong credit ratings

- Suitable for investors seeking regular income with high liquidity

- Lower sensitivity to interest rate fluctuations compared to longer-duration funds

Fund Statistics (as of July 2025):

- AUM: ₹4,370.83 Cr as of 15th July 2025

- NAV: ₹14.95 as of 15th July 2025

- Expense Ratio: 0.28% as of 15th July 2025 (Direct Plan)

- Launch Date: 22nd January 2019

- Returns since inception: 49.86%

Fund Managers

The fund is managed by a experienced team of fund managers:

Akhil Mittal - AUM: ₹19,168.46 Cr | Experience: 9 years

Mr. Akhil Mittal holds a B.Com degree from the Panjab University and an MBA degree from the University Business School. Mr. Mittal joined Tata Mutual Fund in 2014 as the Senior Fund Manager of Fixed Income. Prior to joining Tata Mutual Fund, he has worked with CRISIL Ltd. and TCS. Mr. Mittal is B.Com (H) and MBA from University Business School.

Abhishek Sonthalia - AUM: ₹38,660.85 Cr | Experience: 11 years

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. Prior to joining Tata AMC, he has worked with Canara Robeco AMC, Principal Asset Management Company, Edelweiss Securities Ltd. and Rallis India Ltd.

About the Fund House (AMC)

Tata Asset Management Private Limited is the investment manager for Tata Ultra Short Term Fund. Tata mutual fund is managed by Tata Asset Management Ltd., part of the prestigious Tata Group. Established in March 1994, Tata Asset Management Private Limited boasts over 29 years of experience in investment management and provides a comprehensive suite of services to investors, including financial planning and fund management.

Key Highlights:

- Tata Mutual Fund is a part of the prestigious Tata Group of companies. The fund house was established in 1994 with their business model based on trust, service and performance. The company, with its investment products, intends to make the lives of investors better. You will find mutual fund plans to achieve various financial goals

- In June 1995, Tata Mutual Fund secured registration with the Securities and Exchange Board of India (SEBI)

- As of December 2023, the fund house manages assets crossing Rs. 131663 crores

- Total AUM: ₹ 2,03,474.70 Cr across 61 schemes

Should I Invest in Tata Ultra Short Term Fund?

Suitable For:

- Conservative investors seeking stable returns with minimal interest rate risk

- Those looking for short-term parking of surplus funds (3-12 months)

- Investors wanting better returns than savings accounts with moderate risk

- Portfolio diversification for equity-heavy investors

- Emergency fund creation with better liquidity than traditional fixed deposits

Investment Considerations:

- The fund is rated as Moderate risk

- Minimum SIP amount: ₹500

- Minimum lump sum investment: ₹5,000

- No lock-in period, providing complete liquidity

- 1-year, 3-year and 5-year returns: 7.13%, 6.64% and 5.26% respectively

Risk Factors:

- Credit risk from underlying debt instruments

- Liquidity risk during market stress

- Interest rate sensitivity, though lower than longer-duration funds

- Not suitable for long-term wealth creation goals

FAQs

What is today's NAV of Tata Ultra Short Term Fund?

The current NAV of Tata Ultra Short Term Fund is ₹14.95, as of 15th July 2025. NAVs are updated daily and may vary based on market conditions.

What is the AUM of Tata Ultra Short Term Fund?

The AUM (assets under management) of Tata Ultra Short Term Fund is ₹4,370.83 Cr as of 15th July 2025.

What is the expense ratio of Tata Ultra Short Term Fund?

The expense ratio of Tata Ultra Short Term Fund Plan is 0.28% as of 15th July 2025 for the Direct Plan. Regular plans have higher expense ratios.

What are the returns of Tata Ultra Short Term Fund since inception?

The fund has delivered 49.86% returns since scheme launch. Returns since inception are 6.41% p.a.

What is the minimum SIP amount to invest in Tata Ultra Short Term Fund?

The minimum SIP amount to invest in this scheme is ₹500. This makes it accessible for small investors to start their investment journey.

How do I invest in Tata Ultra Short Term Fund?

You can invest through Allvest platform by completing KYC, selecting the fund, choosing investment amount, and making payment. Both SIP and lump sum options are available.

How to start a SIP in Tata Ultra Short Term Fund?

Visit Allvest, search for Tata Ultra Short Term Fund, select SIP option, choose amount (minimum ₹500), set frequency, and complete the investment process with auto-debit mandate.

How do I automate an SIP in Tata Ultra Short Term Fund?

Use the Auto-Invest feature on investment platforms. This allows you to set up automatic investments at regular intervals. Once configured, your chosen amount will be invested automatically, ensuring consistent contributions without manual intervention. Allvest offers similar automation features.

How can I withdraw/redeem my investment in Tata Ultra Short Term Fund?

Login to your Allvest account, go to your portfolio, select Tata Ultra Short Term Fund, choose partial or full redemption, enter amount, and submit. Funds typically credit within 1-2 business days with no exit load.