Small Cap Fund · SIP history from AMFI NAVs
Tata Small Cap Fund SIP calculator & returns
A ₹10,000 monthly SIP in the Direct plan for the last 5 years (Nov 2021 onward) would be worth ₹8.20 L on 1 Oct 2026, on ₹6,00,000 invested — an XIRR of 12.9%. After tax on full redemption: ₹8.08 L.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
Invested — over — instalments; valued at NAV of —:
| Year | Invested | Value at year end | XIRR to date |
|---|
₹10,000 a month in Tata Small Cap Fund: what it became
Each row is a monthly SIP that ends today (1 Oct 2026). Post-tax assumes you redeem everything today with no other capital gains this year.
| SIP period | Invested | Direct value | Direct XIRR | Direct post-tax | Regular value | Regular XIRR |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.29 L | 17.8% | ₹1.28 L | ₹1.29 L | 16.4% |
| 3 years | ₹3,60,000 | ₹3.89 L | 5.4% | ₹3.87 L | ₹3.82 L | 4.1% |
| 5 years | ₹6,00,000 | ₹8.20 L | 12.9% | ₹8.08 L | ₹7.88 L | 11.2% |
| Since launch of each plan | varies | ₹21.57 L | 20.5% | ₹20.21 L | ₹19.92 L | 18.5% |
Same ₹10,000/month for 5 years, same fund manager, same portfolio: the Regular plan ended ₹31,912 lower (3.9% of the Direct value). The XIRR gap is 1.65 percentage points a year — that is the distributor commission inside the Regular plan's expense ratio, compounding against you. Direct vs Regular, explained.
Did Tata Small Cap Fund beat a plain Nifty Smallcap 250 index fund?
We ran the same monthly SIP on the same dates in Tata Small Cap Fund and in Motilal Oswal Nifty Smallcap 250 Index Fund (Direct plans) — every 3-year SIP that could start between Oct 2019 and Oct 2023, 49 in all. Tata Small Cap Fund finished ahead in 26 of 49 (53%) — roughly a coin toss. The median gap was +0.5 percentage points a year; the worst -6.5 (started May 2023), the best +13.7 (started Apr 2020).
A ₹10,000 monthly SIP over the last 5 years (Nov 2021 onward) is worth ₹8.20 L in Tata Small Cap Fund (XIRR 12.9%) against ₹8.36 L in the index fund (XIRR 13.6%) — ₹15,590 less in the active fund.
XIRR of every 3-year monthly SIP, by the month it started. Gap = fund XIRR minus index fund XIRR, in percentage points a year.
| Window | SIPs compared | Fund ahead | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 49 | 53% | +0.5 pp | -6.5 ppstarted May 2023 | +13.7 ppstarted Apr 2020 |
| 5-year SIPs | 25 | 60% | +1.9 pp | -3.1 ppstarted May 2021 | +5.4 ppstarted Nov 2019 |
The index fund's NAV already includes its own expense ratio and tracking error, so this is what you would actually have earned. The comparison uses the Nifty Smallcap 250 index fund we match to this category, which may differ from the fund's official benchmark, and it can only cover months where both funds have NAVs (Oct 2019 to Oct 2026). Only funds that still exist are compared; merged or closed funds, often the weaker ones, drop out of AMFI's list, which flatters active funds as a group (how this comparison works).
Every SIP this fund has ever allowed: rolling returns
We started a 5-year SIP in every month the Direct plan's history allows — 35 separate SIPs. The worst returned 7.7% a year (started Apr 2021), the median 26.8%, the best 40.6%; none of them lost money. That spread is the honest answer to “what return should I expect?” — not a single trailing number.
XIRR of every 5-year monthly SIP in the Direct plan, plotted by the month it started. Dashed line: 6% a year.
| Window | SIPs tested | Worst XIRR | Median | Best XIRR | Lost money | Beat 6% |
|---|---|---|---|---|---|---|
| 3-year SIPs | 59 | -4.0%Apr 2023–Apr 2026 | 31.6% | 49.3%Jan 2019–Jan 2022 | 2% | 88% |
| 5-year SIPs | 35 | 7.7%Apr 2021–Apr 2026 | 26.8% | 40.6%Oct 2019–Oct 2024 | 0% | 100% |
Rolling figures use the Direct plan (available history). SIP on the first business day of each month; units valued at the NAV one month after the last instalment.
Questions about Tata Small Cap Fund SIPs
What would a ₹5,000 monthly SIP in Tata Small Cap Fund for 5 years be worth today?
About ₹4.10 L on ₹3,00,000 invested (Direct plan, Nov 2021 to Oct 2026), an XIRR of 12.9%. Scale linearly for other amounts, or use the calculator above for any start month.
Has a 5-year SIP in Tata Small Cap Fund ever lost money?
Not in the data we have: all 35 rolling 5-year SIPs since Dec 2018 ended positive. The worst was 7.7% a year (Apr 2021–Apr 2026). Past results are no guarantee.
Has Tata Small Cap Fund beaten a Nifty Smallcap 250 index fund?
In 26 of 49 rolling 3-year SIPs (53%) on the same dates, Tata Small Cap Fund ended ahead of Motilal Oswal Nifty Smallcap 250 Index Fund (Direct plans, SIPs started Oct 2019 to Oct 2023). Median difference: +0.5 percentage points a year.
Direct or Regular plan of Tata Small Cap Fund — how much does it matter?
Same ₹10,000/month for 5 years, same fund manager, same portfolio: the Regular plan ended ₹31,912 lower (3.9% of the Direct value). The XIRR gap is 1.65 percentage points a year — that is the distributor commission inside the Regular plan's expense ratio, compounding against you. Direct vs Regular, explained.
Where does this data come from?
Daily NAVs published by AMFI (Association of Mutual Funds in India). We take the first NAV of each month as the SIP date and value units at the latest NAV. Updated monthly.
How these numbers are calculated
NAVs are AMFI's official daily NAVs (Growth option). Instalments fall on the first business day of each month; stamp duty (0.005%) and exit loads are ignored. Returns are XIRR on actual dates. Tax: 12.5% LTCG above ₹1.25 lakh on units held over a year, 20% STCG on the rest, and Section 112A grandfathering at the 31-Jan-2018 NAV for older units. Full method: methodology.
Past performance does not indicate future returns. This page is a historical calculation, not a recommendation to buy, hold or sell this fund. sipcalculatorhub.com is not a SEBI-registered investment adviser.
Compare Tata Small Cap Fund with
The same SIP on identical dates in both funds, head to head.
- Tata Small Cap Fund vs Aditya Birla Sun Life Small Cap Fund
- Tata Small Cap Fund vs Axis Small Cap Fund
- Tata Small Cap Fund vs Bandhan Small Cap Fund
- Tata Small Cap Fund vs DSP Small Cap Fund
- Tata Small Cap Fund vs HDFC Small Cap Fund
- Tata Small Cap Fund vs ICICI Prudential Small Cap Fund
- Tata Small Cap Fund vs Kotak Small Cap Fund
- Tata Small Cap Fund vs Nippon India Small Cap Fund
- Tata Small Cap Fund vs Quant Small Cap Fund
- Tata Small Cap Fund vs SBI Small Cap Fund
- Tata Small Cap Fund vs UTI Small Cap Fund
Embed this calculator
Free to use on your blog or website: paste this code and your readers get a live Tata Small Cap Fund SIP calculator on actual NAVs, updated monthly.