Tata Small Cap Fund SIP Calculator
Calculate historical returns and project future compounding for Tata Small Cap. Test different monthly amounts, tenures, and step-up scenarios using real historical NAV performance.
Category
Small Cap
AUM
₹13,094 Cr
Expense Ratio
0.51%
Fund Manager
Chandraprakash Padiyar, Jeetendra Khatri
Tata Small Cap Historical SIP Performance & Returns Table
Historical value of standard monthly SIP investments based on actual fund CAGRs.
| Monthly SIP | 3 Years @ 11.9% CAGR | 5 Years @ 15.3% CAGR | 10 Years @ 15.3% CAGR |
|---|---|---|---|
| ₹1,000/mo | ₹43,416 Invested: ₹36,000 | ₹90,417 Invested: ₹60,000 | ₹2,83,691 Invested: ₹1,20,000 |
| ₹2,500/mo | ₹1,08,541 Invested: ₹90,000 | ₹2,26,043 Invested: ₹1,50,000 | ₹7,09,226 Invested: ₹3,00,000 |
| ₹5,000/mo | ₹2,17,082 Invested: ₹1,80,000 | ₹4,52,086 Invested: ₹3,00,000 | ₹14,18,453 Invested: ₹6,00,000 |
| ₹10,000/mo | ₹4,34,164 Invested: ₹3,60,000 | ₹9,04,172 Invested: ₹6,00,000 | ₹28,36,906 Invested: ₹12,00,000 |
| ₹25,000/mo | ₹10,85,411 Invested: ₹9,00,000 | ₹22,60,431 Invested: ₹15,00,000 | ₹70,92,264 Invested: ₹30,00,000 |
* Projections calculated using actual historical 3-year (11.87%), 5-year (15.29%), and 10-year (15.29%) performance data. Actual mutual fund returns fluctuate with market NAV.
About Tata Small Cap Fund
A quality-focused small cap fund from Tata Mutual Fund, investing in high-growth small companies with strong balance sheets and clear earnings visibility.
Investment Strategy
Bottom-up stock picking across the small cap universe favoring quality compounders — Kirloskar Pneumatic, Usha Martin, Godrej Industries — with disciplined risk management.
Key Facts
- Best-in-category Sharpe ratio of ~0.84 for a small cap fund
- Quality-focused, balance-sheet-first stock selection
- Benchmark: NIFTY Smallcap 250 TRI
- Expense ratio: 0.50% (Direct)
Historical Returns
3-Year CAGR
11.87%
5-Year CAGR
15.29%
10-Year CAGR
N/A
Benchmark
NIFTY Smallcap 250 TRI
Returns are illustrative based on historical performance. Actual returns may vary. Data as of August 2026. Verify with AMC before investing.
Top Holdings & Sector Allocation
As of September 2026, Tata Small Cap's portfolio includes:
Top 5 Holdings
- Kirloskar Pneumatic
- Usha Martin
- IDFC First Bank
- Godrej Industries
- Sudarshan Chemical
Sector Allocation
Diversified across industrials (Kirloskar Pneumatic), metals (Usha Martin), banking (IDFC First), chemicals (Sudarshan) and consumer conglomerates (Godrej Industries).
Risk & Drawdowns
High volatility — annualized standard deviation ~17% — but with the best risk-adjusted returns in the small cap category (Sharpe ~0.84).
The fund fell ~35% in the 2024-25 small cap correction — shallower than most peers thanks to its quality tilt — and recovered quickly as small caps re-rallied.
Tax Treatment
Equity fund — LTCG at 12.5% on gains above ₹1.25 lakh per year; STCG at 20%.
Who Should NOT Invest in Tata Small Cap?
Investors with horizons under 7 years or those who cannot tolerate small cap drawdowns of 30-40%.
About the Fund Manager
Chandraprakash Padiyar has managed the fund since inception in 2018, with 24 years of experience; Jeetendra Khatri joined as assistant fund manager in 2023.
Who Is This Fund Suitable For?
Suitable for aggressive investors with a 7+ year horizon who want small cap alpha without the extreme concentration of momentum-driven rivals.
More Funds from Tata & Similar Schemes
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Or compare side by side using our main SIP calculator — you can test different funds with the same investment amount and dates to see which performed better.
Other Tools for Tata Small Cap Investors
- FIRE Calculator — Plan your retirement corpus with Tata Small Cap as part of your portfolio
- Cost of Delay Calculator — See how much delaying your SIP in Tata Small Cap could cost you
- SIP vs EMI Calculator — Compare investing in Tata Small Cap vs paying off loans
Frequently Asked Questions About Tata Small Cap
What is the historical SIP return of Tata Small Cap?
Based on the latest data, Tata Small Cap has delivered an annualized return (CAGR) of 11.87% over 3 years, 15.29% over 5 years, and N/A over 10 years. The fund fell ~35% in the 2024-25 small cap correction — shallower than most peers thanks to its quality tilt — and recovered quickly as small caps re-rallied.
How is Tata Small Cap SIP return calculated?
SIP returns are calculated using the XIRR (Extended Internal Rate of Return) method. Each monthly installment buys units at the fund's Net Asset Value (NAV) on that specific day. When markets are down, your SIP buys more units, and when markets are up, it buys fewer units (rupee cost averaging). Our calculator replays this exact process using historical NAV data to compute the precise current value of your accumulated units.
How much return would ₹5,000 monthly SIP in Tata Small Cap generate over 5 years?
At an estimated annual return rate of 15.29%, a monthly ₹5,000 investment (₹3,00,000 total invested) would grow to approximately ₹4,52,086 in 5 years, yielding an estimated wealth gain of ₹1,52,086. Use our interactive calculator above to test custom amounts with actual historical NAV data.
What are the top holdings in Tata Small Cap?
Tata Small Cap's top holdings include Kirloskar Pneumatic, Usha Martin, IDFC First Bank, and Godrej Industries. The fund's sector allocation is Diversified across industrials (Kirloskar Pneumatic), metals (Usha Martin), banking (IDFC First), chemicals (Sudarshan) and consumer conglomerates (Godrej Industries)..
What is the risk profile of Tata Small Cap?
High volatility — annualized standard deviation ~17% — but with the best risk-adjusted returns in the small cap category (Sharpe ~0.84). This fund may not be suitable for investors with horizons under 7 years or those who cannot tolerate small cap drawdowns of 30-40%..
What are the tax implications of investing in Tata Small Cap?
Equity fund — LTCG at 12.5% on gains above ₹1.25 lakh per year; STCG at 20%.
Data last updated: September 2026 | Fund data sourced from AMFI and BSE public APIs
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