Tata Multi Asset Allocation

All Cap

Diversified

Hybrid

India Multi Asset

Others

Emotionally driven

Investor Profile

4–7 yearsInvestment Horizon

HNI, UHNI, Retail Investor, Mass AffluentTarget Segments

SEBI registered equity mutual fund suitable for all investor categoriesRegulatory Fit

Tata Multi Asset Opportunities Fund Growth mixes stocks and bonds for balanced growth and stability.

What This Strategy Does

Tata Multi Asset Allocation Reg Gr is an equity flexi-cap fund which captures India's ₹200+ trillion diversified opportunity through dynamic asset allocation, deploying capital across financials, industrials, and energy to achieve broad-based earnings growth.

CW Expert Research Notes

Resilient Downside Protection

The fund has demonstrated consistent downside protection across market cycles, outperforming its benchmark in 10 of the past 12 years.

Balanced Multi-Asset Approach

The fund's differentiated multi-asset allocation strategy, with a 64.8% equity tilt complemented by 14.9% cash and 8.1% bonds, provides a balanced exposure across asset classes.

Diversified Sector Positioning

The fund's sector positioning reflects a diversified approach, with notable exposures to financials (35.7%), industrials (13.0%), and energy (7.8%), mitigating concentration risk.

Performance and Risk Analysis

Historical returns, volatility patterns, and how this fund has performed relative to its benchmark.

Fund Performance

0.0% AnnuallyAlpha

+13.9% vs +11.2% benchmarkSince Inception

+10.3% vs +6.1% benchmark3Y Annualized

+8.9% vs +4.5% benchmark5Y Annualized

Tata Multi Asset Allocation

Benchmark Index

Benchmark Performance Comparison

Tata Multi Asset Opportunities Fund

NIFTY 50 + FD Returns

Given the product’s limited performance history, the assessment considers the fund house’s track record and the historical performance of comparable strategies managed by the same fund house, which follow similar investment approaches. Such comparisons provide historical context only and do not represent the performance of the new product or indicate its future returns.

Risk Profile

Standard Deviation11.6%

Maximum Drawdown-9.4% | Oct 2024

Sharpe Ratio0.36

Detailed Risks

Market Risk

Potential recession in India could dampen consumer demand, impacting fund holdings.

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 before investing. Past performance is not an indicator of future returns.

Strategy Details

A closer look at the investment thesis, portfolio construction, and current holdings.

Core Investment Theme

Delivers dynamic asset allocation across equities, bonds, and cash to navigate varying market conditions. This multi-asset approach aims to capture upside in rising markets while providing downside protection during volatility. The impact is a smoother return profile with lower drawdowns compared to single-asset class investing.

Broader Market View

Market Outlook

The global economy faces headwinds from elevated inflation and tightening monetary policies, creating opportunities in strategies focused on quality companies with pricing power and resilient cash flows.

Why This Strategy is Attractive Now

This strategy aims to capitalize on long-term structural trends by investing in companies positioned to benefit from secular growth drivers such as demographic shifts and technological advancements.

Investment Style & Process

Investment Style

The portfolio exhibits characteristics of a Quality Growth strategy, emphasizing companies with durable competitive advantages, consistent earnings growth, and reasonable valuations.

Why it Makes Sense

In the current environment of moderating economic growth and elevated uncertainty, a Quality Growth approach offers exposure to resilient businesses with pricing power and sustainable growth trajectories.

High-Level Investment Process

Sourcing: The strategy appears to favor companies with strong franchises, healthy balance sheets, and attractive growth runways across a range of sectors. Selection: The process suggests a preference for businesses with defendable market positions, robust profitability, and reasonable valuations relative to growth prospects. Construction: Portfolio construction is consistent with a focus on diversification across sectors and market capitalizations while maintaining a bias towards quality growth characteristics.

Portfolio Holdings Overview

SectoralAllocation

Utilities5.32%

Technology4.14%

Financial Services35.75%

Services12.78%

Consumers9.73%

Capital Goods22.02%

Energy & Infra10.26%

Geographic Allocation

Domestic100%

Top Stock Holdings

CompanySectorAllocation

Cash Offsets For Shorts & DerivativesUtilities9.84%

I) RepoUtilities8.65%

Tata Gold ETFUtilities6.02%

Silver (30 Kg) Commodity^Utilities5.58%

Gold (1 Kg-1000 Gms) Commodity^Utilities4.26%

Reliance Industries LtdEnergy & Infra3.70%

HDFC Bank LtdFinancial Services3.42%

ICICI Bank LtdFinancial Services3.30%

Bharti Airtel LtdServices2.56%

Tata Silver ETFUtilities2.29%

Fund House Management

The asset management company’s track record, AUM scale, and fund manager credentials.

Fund Manager Track Record

Tapan Patel

Lead Portfolio Manager

Tapan Patel has experience of 3 years. Manages 28 funds at Tata Asset Management Pvt Ltd with an AUM of approximately ₹4,617 Cr

Sailesh Jain

Co-Portfolio Manager

Mr. Sailesh Jain has experience of 19 years. Manages 52 funds at Tata Asset Management Pvt Ltd with an AUM of approximately ₹29,566 Cr Holds a M.B.A. degree.

Amit Somani

Co-Portfolio Manager

Mr. Amit Somani has experience of 23 years. Manages 113 funds at Tata Asset Management Pvt Ltd with an AUM of approximately ₹165 Cr Holds a PGDBM degree.

Rahul Singh

Co-Portfolio Manager

Mr. Rahul Singh has experience of 21 years. Manages 122 funds at Tata Asset Management Pvt Ltd with an AUM of approximately ₹4,617 Cr Holds a PGDM degree.

Murthy Nagarajan

Co-Portfolio Manager

Mr. Murthy Nagarajan has experience of 30 years. Manages 80 funds at Tata Asset Management Pvt Ltd with an AUM of approximately ₹4,617 Cr Holds a PGPMS degree.

Sailesh Jain

Co-Portfolio Manager

Mr. Sailesh Jain has experience of 19 years. Manages 52 funds at Tata Asset Management Pvt Ltd with an AUM of approximately ₹29,566 Cr Holds a M.B.A. degree.

Amit Somani

Co-Portfolio Manager

Mr. Amit Somani has experience of 23 years. Manages 113 funds at Tata Asset Management Pvt Ltd with an AUM of approximately ₹165 Cr Holds a PGDBM degree.

Rahul Singh

Co-Portfolio Manager

Mr. Rahul Singh has experience of 21 years. Manages 122 funds at Tata Asset Management Pvt Ltd with an AUM of approximately ₹4,617 Cr Holds a PGDM degree.

Murthy Nagarajan

Co-Portfolio Manager

Mr. Murthy Nagarajan has experience of 30 years. Manages 80 funds at Tata Asset Management Pvt Ltd with an AUM of approximately ₹4,617 Cr Holds a PGPMS degree.

CW Expert Take

Tata AMC reflects the group's values-based approach to business. Their investment process emphasizes ESG integration and governance quality alongside financial metrics. The fund house takes measured positions, avoiding excessive concentration while maintaining conviction in quality franchises across equity and credit portfolios.

95 years

Combined Team Experience

₹ 43,582 Cr

Assets Under Management

Firm Overview

AMCTata Asset Management Pvt Ltd

Investment Philosophy & Approach

Disciplined Approach

Tata AMC follows a disciplined investment approach focused on rigorous research.

Risk Management

Risk management is embedded in the investment process through robust controls.

Long-Term Perspective

The fund house adopts a long-term perspective in capital allocation decisions.

Operational & Regulatory Details

What it costs to invest, transaction mechanics, and regulatory disclosures you should know.

Costs and Fees

Total Expense Ratio (TER)1.95%

Exit Load1%

Regulatory & Tax Information

INF277K012Z5

ISIN

DailyDealing Frequency

LTCG | >1Year 12.5%% on gain above 1.25 Lakh

STCG | <1Year 20%%

Tax Implications (India)