Tata India Pharma & Healthcare Fund Direct Growth Review 2026: NAV, Returns, Portfolio & Should You Invest?

Tata India Pharma & Healthcare Fund Direct Growth Plan is valued at ₹39.1925 as of 17 September 2026, with a scheme AUM of ₹1,565 Cr. Its 1-year, 3-year and 5-year returns are 7.98%, 18.88% and 14.06%, and it carries a High Risk tag.

Our view is that this is a sector-focused equity fund that has delivered a reasonable long-term outcome, but its short-term swing is part of the package. The return pattern shows a better medium-term track record than the benchmark, while the portfolio is tilted toward healthcare and pharma names that can move differently from the broader market.

Quick facts

Particular	Details
NAV	₹39.1925 as of 17 Sep 2026
AUM	₹1,565 Cr
Expense Ratio	0.62%
Launch Date	28 Dec 2015
Min SIP	₹100
Risk Category	High Risk
Benchmark	Nifty 50
Fund Category	Equity
Exit Load	0.25% on or before 30D
Fund Managers	Rajat Srivastava

The fund is managed by Rajat Srivastava.

Source data date: as of 17 Sep 2026

Performance

Period	Fund return	Benchmark return
1M	-1.46%	-3.66%
3M	5.16%	-3.71%
1Y	7.98%	-7.13%
3Y	18.88%	5.82%
5Y	14.06%	5.72%

The fund has held up better than the benchmark across every tracked period, which matters because the benchmark has been weak in the recent one-year window. The 1-month number is slightly negative, but it is still better than the benchmark’s larger decline, so the recent softness looks more like a short-term wobble than a break in trend.

The stronger signal comes from the 3-year and 5-year records. A 18.88% 3-year return against 5.82% for the benchmark and a 14.06% 5-year return against 5.72% show that the strategy has compounded ahead of the broad market over longer stretches. That said, the gap has not been constant through time, so the ride has likely been uneven rather than linear.

The one-year figure is much lower than the 3-year pace, which tells us the recent period has been less supportive for the fund’s style. For investors, that usually means the fund may work better as a longer-horizon allocation than as a short-term return play.

Source data date: as of 17 Sep 2026

Should you BUY or HOLD Tata India Pharma & Healthcare?

A fund's past returns alone don't tell you whether you should buy it today or continue holding it.

The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.

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Peer comparison

Fund	1Y return	3Y return	5Y return
Tata India Pharma & Healthcare Fund Direct Growth Plan	7.98%	18.88%	14.06%
ICICI Pru Strategic Metal and Energy Equity FoF Direct Growth Plan	69.8%	36.32%	Data not available
HDFC Pharma and Healthcare Fund Direct Growth Plan	25.31%	Data not available	Data not available
Kotak Healthcare Fund Direct Growth Plan	25.27%	Data not available	Data not available
Motilal Oswal Active Momentum Fund Direct Growth Plan	24.51%	Data not available	Data not available
PGIM India Healthcare Fund Direct Growth Plan	22.75%	Data not available	Data not available

This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639. The fund’s 1-year return trails the strongest peer figures in this set, but its 3-year and 5-year numbers are more meaningful for a healthcare-focused allocation because most peers here do not disclose longer-period figures. That makes the longer-term comparison less about exact stretch and more about consistency of available evidence. On that basis, Tata India Pharma & Healthcare Fund Direct Growth Plan looks more balanced over time than the short-term snapshot suggests.

Source data date: as of 17 Sep 2026

Portfolio: where your money goes

Holding	Sector	Weight
Sun Pharmaceutical Industries Ltd	Healthcare	8.43%
Healthcare Global Enterprises Ltd	Healthcare	6.3%
Divi Laboratories Ltd	Healthcare	5.65%
Abbott India Ltd	Healthcare	5.44%
Rainbow Childrens Medicare Ltd	Healthcare	4.47%
Apollo Hospitals Enterprise Ltd	Healthcare	4.32%
Cipla Ltd	Healthcare	4.27%
DR Reddys Laboratories Ltd	Healthcare	4.21%
Max Healthcare Institute Ltd	Healthcare	3.8%
Fortis Healthcare Ltd	Healthcare	3.3%

The top 10 holdings account for approximately 50.19% of the portfolio.

To see all holdings, visit the Tata India Pharma & Healthcare Fund Direct Growth Plan page

The largest position, Sun Pharmaceutical Industries Ltd at 8.43%, is meaningfully bigger than the next holding, but not so dominant that it overwhelms the portfolio. The drop from the first holding to the tenth, Fortis Healthcare Ltd at 3.3%, is gradual rather than abrupt, which suggests the visible basket is spread across several sizeable healthcare names instead of leaning on one or two outsized bets.

Because the top 10 positions account for about half the portfolio and the fund has 38 disclosed holdings, the tail appears long enough to reduce dependence on the first few names. Even so, the holdings are all in the healthcare space, so the fund may still be driven more by sector-specific developments than by broad market cycles. That combination can support focused upside when the theme is working, but it may also keep volatility higher than a diversified large-cap equity fund.

Source data date: as of 17 Sep 2026

Who should invest

This fund suits investors who are comfortable with High Risk and can stay invested for a longer horizon. The 1-year return is modest compared with the 3-year and 5-year numbers, so the fund may be better considered as a multi-year allocation rather than a near-term return engine.

The main trade-off is clear: you get a focused healthcare and pharma portfolio with a long-term record that has outpaced the benchmark, but you also accept sector concentration and periods of weaker short-term movement. Investors who want broad market steadiness may find that trade-off uncomfortable, while those who can tolerate swings for potential long-term compounding may find it more relevant.

Tax and exit load

Holding period	Tax rate	Description
Units held less than 1 year	20%	Short-term capital gains tax
Units held more than 1 year	12.5%	Long-term capital gains tax

Exit load applies at 0.25% if units are sold on or before 30 days. There is no exit load after that holding period.

Source data date: as of 17 Sep 2026

Frequently asked questions

What is the current NAV of Tata India Pharma & Healthcare Fund Direct Growth Plan?

The current NAV is ₹39.1925 as of 17 September 2026.

What are the fund’s 1-year, 3-year and 5-year returns?

The fund’s returns are 7.98% for 1 year, 18.88% for 3 years and 14.06% for 5 years.

How does the fund compare with the benchmark?

It has outperformed the benchmark across all listed periods. The 1-year return is 7.98% versus -7.13% for the benchmark, while the 3-year and 5-year returns also stay ahead.

How does it compare with the peer funds shown here?

The fund’s 1-year return is below the stronger peer figures in this set, but its 3-year and 5-year records are more complete than most of the peers displayed. That gives the comparison a mixed short-term and long-term picture.

What is the minimum SIP amount?

The minimum SIP amount is ₹100.

Who manages the fund and what is the exit load?

The fund is managed by Rajat Srivastava. Exit load is 0.25% if units are sold on or before 30 days, and there is no exit load after that holding period.

Bottom line

Tata India Pharma & Healthcare Fund Direct Growth Plan has a shorter-term return profile that looks softer than its 3-year and 5-year record, while still staying ahead of the benchmark across the periods shown. In peer context, the 1-year figure is less striking than several other funds here, but the longer-term record is more useful for judging this healthcare-focused strategy. The portfolio is concentrated in healthcare names and the top holdings make up about half the fund, so it suits investors who are comfortable with sector-driven swings and want a longer investing horizon.

Published on 18 September 2026 at 4:01 PM IST

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RIA disclosure

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.