Tata Digital India Fund SIP Calculator
Calculate historical returns and project future compounding for Tata Digital India. Test different monthly amounts, tenures, and step-up scenarios using real historical NAV performance.
Category
Sectoral/Thematic (Technology)
AUM
₹10,322 Cr
Expense Ratio
0.67%
Fund Manager
Meeta Shetty, Kapil Malhotra
Tata Digital India Historical SIP Performance & Returns Table
Historical value of standard monthly SIP investments based on actual fund CAGRs.
| Monthly SIP | 3 Years @ 3.5% CAGR | 5 Years @ 2.3% CAGR | 10 Years @ 17.1% CAGR |
|---|---|---|---|
| ₹1,000/mo | ₹38,034 Invested: ₹36,000 | ₹63,561 Invested: ₹60,000 | ₹3,16,830 Invested: ₹1,20,000 |
| ₹2,500/mo | ₹95,085 Invested: ₹90,000 | ₹1,58,903 Invested: ₹1,50,000 | ₹7,92,075 Invested: ₹3,00,000 |
| ₹5,000/mo | ₹1,90,170 Invested: ₹1,80,000 | ₹3,17,806 Invested: ₹3,00,000 | ₹15,84,151 Invested: ₹6,00,000 |
| ₹10,000/mo | ₹3,80,340 Invested: ₹3,60,000 | ₹6,35,613 Invested: ₹6,00,000 | ₹31,68,302 Invested: ₹12,00,000 |
| ₹25,000/mo | ₹9,50,851 Invested: ₹9,00,000 | ₹15,89,032 Invested: ₹15,00,000 | ₹79,20,754 Invested: ₹30,00,000 |
* Projections calculated using actual historical 3-year (3.54%), 5-year (2.25%), and 10-year (17.06%) performance data. Actual mutual fund returns fluctuate with market NAV.
Expert Editorial Analysis & Investment Review
Independent, data-driven assessment of Tata Digital India Fund covering strategy, benchmark tracking, risk metrics, and suitability for long-term SIP portfolios.
Fund Overview
Tata Digital India Fund is the largest technology-themed mutual fund in India, managing ₹10,200+ crore across the entire digital economy value chain. Launched in December 2015, the fund blends India’s IT services incumbents — Infosys, TCS, Tech Mahindra — with the new economy’s digital winners like Zomato, and connectivity plays like Bharti Airtel.
The fund’s remit is broader than a pure IT fund: it covers software, internet, e-commerce, digital payments, telecom and digital infrastructure, making it the cleanest mutual fund expression of India’s digitization trend.
Who Should Invest
This fund suits investors with a 7+ year horizon who believe India’s technology sector — both traditional IT services and the digital consumption economy — will compound over the long term. It is a thematic satellite holding; tech should never be the whole of a diversified portfolio, but a meaningful tech sleeve has historically improved long-run returns.
Investors who are overweight US tech through global funds will find this fund complementary, as Indian IT services have different drivers (global IT spend, INR/USD, domestic digital adoption).
Key Strengths
- Best-in-category breadth — covers IT services, digital consumption and telecom, unlike pure IT index funds
- Quality anchors — Infosys and TCS are among the best capital allocators in Indian corporate history
- Digital consumption optionality — Zomato and Airtel positions capture the domestic internet economy
- AI-era positioning — the 2026 recovery has been led by AI-driven IT demand, where the fund’s large-cap IT weight benefits directly
Risks to Consider
- US tech spending exposure — IT services revenue is tied to US enterprise budgets; a US recession hits the fund hard
- Currency sensitivity — a strong rupee compresses IT exporters’ margins and returns
- Theme concentration — one sector, no diversification; the 2022-2025 IT de-rating cost the fund 3-year CAGR of just 8.2%
- Valuation swings — tech names trade at premium multiples that can compress sharply in risk-off phases
How It Compares
Versus pure IT funds (which hold only IT services names), Tata Digital India’s digital-consumption sleeve gave it resilience when IT services de-rated in 2022-2024 — Zomato and Airtel carried the portfolio during that stretch. Its 10-year CAGR of 17.6% includes the 2016-2020 tech boom; the recent 5-year CAGR of 6.2% shows how punishing the 2022-2025 IT bear market was for the whole category.
Performance Context
The fund’s history tracks India’s tech cycle: stellar gains 2016-2021 (IT services + digital IPOs), a painful 2022-2025 period as global IT spending normalized and valuations compressed, and a 2026 revival led by AI-driven demand re-rating. The 5-year number understates the fund’s long-term case — but it is a fair warning that tech thematic investing requires patience through multi-year de-ratings.
Use Our SIP Calculator with This Fund
To see how a monthly SIP in Tata Digital India Fund would have performed over any time period, visit our main SIP calculator and select this fund. You can test different investment amounts, start dates, and step-up scenarios using real historical NAV data — not assumed return rates.
About Tata Digital India Fund
India's largest digital and technology themed fund, investing in IT services, software, internet, telecom and digital infrastructure companies driving India's digital economy.
Investment Strategy
Invests across the full digital value chain — IT services (Infosys, TCS), digital consumption (Zomato), and connectivity (Bharti Airtel) — with a mix of large IT incumbents and emerging digital plays.
Key Facts
- India's largest technology-themed fund at ₹10,200+ crore
- Blends IT services leaders with digital-consumer plays
- Benchmark: NIFTY IT TRI
- Expense ratio: 0.67% (Direct)
Historical Returns
3-Year CAGR
3.54%
5-Year CAGR
2.25%
10-Year CAGR
17.06%
Benchmark
NIFTY IT 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 Digital India's portfolio includes:
Top 5 Holdings
- Infosys
- Tata Consultancy Services
- Tech Mahindra
- Zomato
- Bharti Airtel
Sector Allocation
IT services dominate (Infosys 16%, TCS 11%, Tech Mahindra 9%), with meaningful positions in digital consumption (Zomato 6%) and telecom (Bharti Airtel 5%).
Risk & Drawdowns
High volatility — annualized standard deviation ~19% — with IT services highly sensitive to US tech spending and global macros.
The fund fell ~40% in the 2020 crash, then went through a painful 2022-2025 phase as IT services de-rated, before recovering as AI-driven demand re-rating began in 2026.
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 Digital India?
Investors who already hold heavy IT or tech exposure, or who need diversified equity returns rather than a single-sector bet.
About the Fund Manager
Meeta Shetty has led the fund since November 2018, joined by Kapil Malhotra since December 2023; both are CFA charterholders with deep technology-sector coverage.
Who Is This Fund Suitable For?
Suitable for aggressive thematic investors with a 7+ year horizon who believe India's technology and digitization trend will compound for a decade or more.
More Funds from Tata & Similar Schemes
Similar Funds to Consider
- ICICI Prudential Technology Fund
- SBI Technology Opportunities Fund
- Nippon India Digital Fund
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 Digital India Investors
- FIRE Calculator — Plan your retirement corpus with Tata Digital India as part of your portfolio
- Cost of Delay Calculator — See how much delaying your SIP in Tata Digital India could cost you
- SIP vs EMI Calculator — Compare investing in Tata Digital India vs paying off loans
Frequently Asked Questions About Tata Digital India
What is the historical SIP return of Tata Digital India?
Based on the latest data, Tata Digital India has delivered an annualized return (CAGR) of 3.54% over 3 years, 2.25% over 5 years, and 17.06% over 10 years. The fund fell ~40% in the 2020 crash, then went through a painful 2022-2025 phase as IT services de-rated, before recovering as AI-driven demand re-rating began in 2026.
How is Tata Digital India 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 Digital India generate over 5 years?
At an estimated annual return rate of 2.25%, a monthly ₹5,000 investment (₹3,00,000 total invested) would grow to approximately ₹3,17,806 in 5 years, yielding an estimated wealth gain of ₹17,806. Use our interactive calculator above to test custom amounts with actual historical NAV data.
What are the top holdings in Tata Digital India?
Tata Digital India's top holdings include Infosys, Tata Consultancy Services, Tech Mahindra, and Zomato. The fund's sector allocation is IT services dominate (Infosys 16%, TCS 11%, Tech Mahindra 9%), with meaningful positions in digital consumption (Zomato 6%) and telecom (Bharti Airtel 5%)..
What is the risk profile of Tata Digital India?
High volatility — annualized standard deviation ~19% — with IT services highly sensitive to US tech spending and global macros. This fund may not be suitable for investors who already hold heavy it or tech exposure, or who need diversified equity returns rather than a single-sector bet..
What are the tax implications of investing in Tata Digital India?
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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