Our Mission

To deliver the complete investment experience with a

wide range of products,
products consistent performance,
performance panIndia presence & unmatched investor service standards.

About Us
Tata Mutual Fund is one
of Indias fastest growing
fund management
companies.
Over Rs. 6,784 crores of
assets under management
(as on March 31, 2005)
Investor base of
approximately 4.83 lakhs.

A Proud Pedigree
The largest and most respected Industrial Group in
India.
Serving India since 126 years.
More than 91 companies straddling 7 industrial
sectors.
Revenues of US $14.25 bn, equivalent to 2.6%%
of Indias GDP.
Market capitalization of US $ 4 bn, representing
3.3% of the market cap of The Stock Exchange,
Mumbai (BSE). [BSE market cap - US $125 bn]
Trusted by over 2 million shareholders.

Source : www.tata.com

The Tata MF FELT Process

Investment
Policy & Procedures

Investment & Risk

Control Document

Scheme
Objectiv
e
Performance
& Benchmark Peers

Internal
Compliance Matrix

The Investment Team

Equity

Equity Fund

Equity

Analysis
(3)

Management
(2)

Dealing
(1)

Debt
Analysis
(1)

Debt Fund
Management
(2)

Debt
Dealing
(1)

Our Investment Approach (Equity)

External Universe of Companies
PARAMETERS
Business Fundamentals
Operational Competitiveness

OTHER PARAMETERS

Growth Potential
Current Valuations

UNIVERSE OF 300 COMPANIES

Buy into the Right Company at the Right Price

Establish Buy
& Sell Target
Price

Extensive
Research

Marketing Competitiveness

Management Quality

Investment Philosophy (Debt)

S - Safety
L - Liquidity
R - Returns
-

Provide quality returns

- BUT, not at the cost of

safety & liquidity.

Our growth

Over the years

Basket of
products to
choose
from
Satisfied
Customers

Service
Orientation

A Range Of Funds
EQUITY

Tata Equity Opportunities

Fund
Tata Pure Equity Fund
Tata Select Equity Fund
Tata Life Sciences &
Technology Fund
Tata Index Fund
Tata Tax Saving Fund
Tata Growth Fund
Tata Equity P/E Fund
Tata Dividend Yield Fund
Tata Infrastructure Fund
Tata Service Industries Fund

BALANCED

Tata Balanced Fund

Tata Young Citizens Fund

DEBT

Tata
Tata
Tata
Tata
Tata
Tata
Tata
Tata
Tata
Tata
Tata

Dynamic Bond Fund

Liquid Fund
Income Fund
Gilt Securities Fund
Short Term Bond Fund
Income Plus Fund
Monthly Income Fund
MIP Plus Fund
Floating Rate Fund
Fixed Horizon Fund
Fixed Horizon Fund Series 1

Systematic Investment Plans

What is a Systematic Investment Plan?

A Systematic Investment Plan (SIP) is
an investment plan that allows an
individual to invest regularly a fixed
amount at a specified frequency say,
monthly or quarterly.
SIP is a simple method of investing
used across the world as a means to
creating wealth.

Benefits of SIPs

Regular Investing
Diversify investments over various time
periods.
Power of Compounding
Rupee Cost Averaging

Regular Investing

Investing requires a lot of planning

Firstly you need to identify your financial goals like
buying a house, your first car, marriage, education.
The next step is to set aside and invest a fixed sum
of money regularly to meet those financial goals.
This requires a lot of discipline SIP helps you
become a disciplined investor

Diversify Investments
Avoid the temptation of timing
your investments. "Market Timing"
is an activity best left to
professionals.
SIP will take care that you invest
across market cycles thereby
evening out the impact of
fluctuations and your average
price will work out to be lower
than at the market peak.

Power of Compounding
SIP offers you the Power of Compounding the
earlier you start to invest, the better it is from the
point of view of creating long term wealth.
The longer you invest the more your money will
have the opportunity to grow.
Eg: On an investment of Rs 1000/- per month, returns at different rates
generated when invested at different points in time would be as follows:
(Investment matures at age of 60 years)
Age

Total Investment

Amount at Maturity (assuming

8% monthly compounding)

25

4,20,000

23,09,175

30

3,60,000

15,00,295

35

3,00,000

9,57,366

40

2,40,000

5,92,947

Rupee Cost Averaging

By investing a fixed sum every month, we
buy fewer units when the price is higher and
more units when the price is lower, thus
bringing down the average cost per unit. This
is called Rupee Cost Averaging.
SIP will take care that you invest across
market cycles thereby evening out the
impact of fluctuations and your average price
will work out to be lower than that at the
market peak.

SIP in Tata Pure Equity Fund

If you had invested in Tata Pure Equity Fund under a SIP of Rs.1000 per month, your
earnings for different periods would be :

Total No. of
units
accumulated

Total Amount
Invested

Present Value

Yield

Benchmark
Sensex
Return

1yr

486.74

12000

15473.34

57.85

43.18

3 yr

2615.81

36000

83155.10

62.73

37.12

5 yr

4787.51

60000

152191.97

38.30

22.16

Since Inc

8344.00

82000

265250.96

34.02

16.24

Past performance may or may not be sustained in the future. Returns are given for
Growth Option. Dividends assumed to be reinvested. While calculating returns
dividend distribution tax is excluded. SIP at 10th of every month @ Rs. 1,000/.

SIP in Tata Tax Saving Fund

If you had invested in Tata Tax Saving Fund under a SIP of Rs. 1000 per month, your
earnings for different periods would be :

Total No. of units

accumulated

Total Amount
Invested

Present Value

Yield

Benchmark
Sensex
Returns

1yr

461.98

12000

16195.70

70.83

43.18

3 yr

2442.94

36000

85641.68

65.27

37.12

5 yr

4620.02

60000

161963.04

41.01

22.16

14368.77

105000

503723.17

34.44

13.01

Since Inc

Past performance may or may not be sustained in the future. Returns are given for
Growth Option. Dividends assumed to be reinvested. While calculating returns
dividend distribution tax is excluded. SIP at 10th of every month @ Rs. 1,000/.

SIP in Tata Balanced Fund

If you had invested in Tata Balanced Fund under a SIP of Rs. 1000 per month, your
earnings for different periods would be :
Total No. of units
accumulated

Total Amount
Invested

Present Value

Yield

1yr

504.81

12000

15254.81

54.02

3 yr

2204.92

36000

66629.91

44.38

5 yr

4067.98

60000

122929.19

29.16

Since Inc

10231.44

111000

309181.08

21.45

Past performance may or may not be sustained in the future. SIP at 10th of every
month @ Rs. 1,000/. Benchmark Return (Crisil Balanced) Last 1 year :24.45. No
figures available for other periods

SIP in Tata Young Citizens Fund

If you had invested in Tata Young Citizens Fund under a SIP of Rs. 1000 per month,
your earnings for different periods would be :
Total No. of units
accumulated

Total Amount
Invested

Present Value

Yield

1yr

904.35

12000

13867.58

30.17

3 yr

3542.38

36000

54319.99

28.63

5 yr

6462.07

60000

99091.27

20.17

16233.59

110000

248930.75

17.13

Since Inc

Past performance may or may not be sustained in the future. SIP at 10th of every
month @ Rs. 1,000/. Benchmark Return (Crisil Balanced) Last 1 year :24.45. No
figures available for other periods

Two ways to carry out an SIP

Post Dated Cheques

Post Dated cheques dated on the same day of

every month has to submitted in advance along
with the application form

Direct Debit

Facility offered to any investor maintaining a

bank account in select cities. This facility is not
restricted to select banks.
A cheque is required only for the first transaction

Introducing

Wealth Creation Now Made Easy For You

What is

Tata MF EasyInvest is a one time

investment into Tata Liquid Fund.
From it, an amount you choose is
invested in Tata Pure Equity Fund
every month

4 Easy Steps
Invest a fixed amount in Tata MF EasyInvest.
Your investment will go to Tata Liquid Fund
Regular Investment Plan (RIP) Growth
Option
You will be allotted units in your Tata MF Easy
Invest Account
Every month an amount specified by you will
be transferred to Tata Pure Equity Fund from
your Tata MF EasyInvest Account

In short

Tata MF EasyInvest will work as a SIP for

Tata Pure Equity fund and you get all the
benefits of SIP
The investment in Tata Liquid Fund will
continue to earn you returns till the money
moves into Tata Pure Equity Fund

Great Convenience

Easy to Invest
Easy to Withdraw
Simple to understand
It Works

How Do I Invest?
Fill in the Tata MF EasyInvest
Application Form and hand over
the same along with your cheque.
With the Application Form you will
get a Card which mentions your
Tata MF EasyInvest Account
Number
Once
your
application
is
approved, the card will be
activated
Present the card at any of our
Investor Service Centres for any
service required by you.

Regular Service
Your Tata MF EasyInvest
Account Statement will be
updated after every transfer
Periodic Updates on your Tata
MF EasyInvest Account on the
status of your investment
Redeem your Tata MF
EasyInvest Account at any point
of time with load, if any.

Risk Factors

Statutory Details: Constitution: Tata Mutual Fund has been set up as a trust under the Indian Trust
Act, 1882. Sponsors & Settlors: Tata Sons Ltd., Tata Investment Corporation Ltd. Investment
Manager: Tata Asset Management Ltd. Trustee: Tata Trustee Co. Pvt. Ltd. Applicable loads: For all
schemes, Entry Load on Sip : Nil; Exit Load : TPEF - If redeemed on or before 365 days 2.25%, If
redeemed after 365 days Nil; TYCF - If redeemed within 3 years 3%, if redeemed after 3 years but
within 7 years 2%, if redeemed after 7 years -1%; No loads after the child attains majority subject to
lock-in as per the terms of the scheme; TBF - If redeemed on or before 365 days 2.25%, If redeemed
after 365 days Nil; TTSF - If redeemed on or before 365 days 1.75%, If redeemed after 365 days Nil
subject to lock-in as per the terms of the scheme; TLF: No Entry & Exit Load; Nature & Investment
Objective:. Tata Pure Equity Fund: An open ended equity fund. To provide income distribution and/or
medium to long term capital gains while at all times emphasising the importance of capital preservation.
Tata Tax Saving Fund: An open ended equity linked tax saving scheme (ELSS). To provide medium to
long term capital gains along with income tax relief to its unit holders, while at all times emphasising the
importance of capital appreciation. Tata Balanced Fund: An open ended balanced fund. To provide
income distribution and/or medium to long term capital gains while at all times emphasizing the
importance of capital appreciation. Tata Young Citizens Fund: An open-ended balanced scheme. To
provide long term capital growth along with steady capital appreciation to its unit holders, while at all
times emphasising the importance of capital preservation. Tata Liquid Fund: An open ended high liquidity
scheme. To create a highly liquid portfolio of good quality debt as well as money market instruments so
as to provide reasonable returns and high liquidity to the unit holders
Risks Factors: Mutual Funds and securities investments are subject to market risks and there can be no
assurance and no guarantee that the Schemes will achieve their objectives. As with any investment in
stocks, shares and securities, the NAV of the Units of the Schemes can go up or down, depending on the
factors and forces affecting the capital markets. Past performance of the Schemes, the Sponsors or its
Group affiliates are not indicative of and do not guarantee the future performance of the Schemes. Tata
Pure Equity Fund, Tata Tax Saving Fund, Tata Balanced Fund, Tata Young Citizens Fund, Tata Liquid Fund,
are only the name of the schemes and do not in any manner indicate either the quality of the scheme, its
future prospects or the returns. Investment in fixed income securities is subject to interest rate risk,
credit risk and liquidity risk. The sponsors are not responsible or liable for any loss resulting from the
operations of the scheme beyond the initial contribution of Rs. 1 lac made by them towards setting up
the fund. Investment in fixed income securities is subject to interest rate risk, credit risk and liquidity
risk. For scheme specific risk factors and other details please read the offer document of the scheme
carefully before investing.
Disclaimer: The views expressed in this presentation are of Tata Asset Management Ltd. and are in no
way trying to predict the markets or to time them.