ITI Bharat Consumption Fund vs Tata BSE Multicap Consumption 50:30:20 Index Fund
Direct Plan, Growth option · Data as on 30-10-2026
ITI Bharat Consumption Fund is a Thematic fund and Tata BSE Multicap Consumption 50:30:20 Index Fund is an Index fund. ITI Bharat Consumption Fund charges 0.95% a year and Tata BSE Multicap Consumption 50:30:20 Index Fund 0.50% (Direct plans). Their portfolios overlap 52.7%: they hold 32 of the same securities.
Tata BSE Multicap Consumption 50:30:20 Index Fund
Index
- Expense ratio
- 0.50%
- NAV
- ₹9.04
Which is better, ITI Bharat Consumption or Tata BSE Multicap Consumption 50:30:20 Index? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Tata BSE Multicap Consumption 50:30:20 Index costs less: 0.50% a year against 0.95% (Direct plans).
- ITI Bharat Consumption fell less in its worst fall since 02-01-2026: −15.3% against −17.4%.
- ITI Bharat Consumption holds more in large companies: 67.0% of the fund in large caps against 46.5%.
- ITI Bharat Consumption is the larger fund: ₹350 Cr against ₹41 Cr.
- Their portfolios overlap 52.7%: 32 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | ITI Bharat Consumption Fund | Tata BSE Multicap Consumption 50:30:20 Index Fund |
|---|---|---|
| Fund house | ITI Mutual Fund | Tata Mutual Fund |
| Category | Thematic | Index |
| AUM | ₹350 Cr (30-09-2026) | ₹41 Cr (30-09-2026) |
| NAV | ₹11.48 (Direct) | ₹9.04 (Direct) |
| Expense ratio (Direct) | 0.95% | 0.50% |
| Expense ratio (Regular) | 2.56% | 1.22% |
| Riskometer | Very High | Very High |
| Benchmark | Nifty India Consumption TRI | BSE Multicap Consumption 50:30:20 Index (TRI) |
| Launch date | 27-02-2025 | 29-12-2025 |
| Minimum investment | ₹5,000 | ₹5,000 |
| Lock in | None | None |
| Fund managers | Animesh Singh, Dhimant Shah | Nitin Sharma, Rakesh Prajapati |
| Exit load | Exit load of 0.50%, if redeemed within 3 months. | 0.25% of the applicable NAV, if redeemed on or before 15 days from the date of allotment. |
ITI Bharat Consumption vs Tata BSE Multicap Consumption 50:30:20 Index: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| ITI Bharat Consumption Fund (Direct) | −1.35% | −4.60% | +3.47% | −3.44% | -- | -- | -- |
| Tata BSE Multicap Consumption 50:30:20 Index Fund (Direct) | −2.79% | −8.98% | −3.67% | -- | -- | -- | -- |
| Thematic average | −2.09% | −4.52% | +0.86% | −1.22% | -- | -- | -- |
Category average: the average of the 235 Thematic funds, same plan type.
ITI Bharat Consumption vs Tata BSE Multicap Consumption 50:30:20 Index: Year-wise Returns
| Year | ITI Bharat ConsumptionITI Bharat Consumption | Tata BSE Multicap Consumption 50:30:20 IndexTata BSE Multicap Consumption 50:30:20 Index |
|---|---|---|
| 2026to date | −2.18% | -- |
ITI Bharat Consumption vs Tata BSE Multicap Consumption 50:30:20 Index: Rolling Returns
Every holding period of both funds, against Nifty India Consumption TRI, the benchmark of ITI Bharat Consumption Fund
ITI Bharat Consumption vs Tata BSE Multicap Consumption 50:30:20 Index: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | ITI Bharat Consumption Fund (Direct) | Tata BSE Multicap Consumption 50:30:20 Index Fund (Direct) |
|---|---|---|
| Return (CAGR) | +9.14% | −12.30% |
| Standard deviation | 13.62% | 17.23% |
| Sharpe ratio | 0.27 | -1.02 |
| Sortino ratio | 0.38 | -1.33 |
| Maximum drawdown | −16.4% (31-03-2026) | −17.4% (31-03-2026) |
| Beta | 0.93 | 1.00 |
| Alpha | +3.95% | −0.48% |
From daily NAVs, 05-03-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
ITI Bharat Consumption Fund (Direct)
Tata BSE Multicap Consumption 50:30:20 Index Fund (Direct)
Nifty India Consumption TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| ITI Bharat Consumption Fund (Direct) | −15.3% | 05-01-2026 | 31-03-2026 | 27-07-2026 | 4 months | −6.7% |
| Tata BSE Multicap Consumption 50:30:20 Index Fund (Direct) | −17.4% | 05-01-2026 | 31-03-2026 | 05-08-2026 | 4 months | −10.7% |
| Nifty India Consumption TRI | −15.8% | 05-01-2026 | 30-03-2026 | 03-08-2026 | 4 months | −9.5% |
From daily values since 02-01-2026, the first day every fund has.
ITI Bharat Consumption vs Tata BSE Multicap Consumption 50:30:20 Index: Portfolio Overlap
From each fund's latest monthly portfolio: ITI Bharat Consumption Fund, September 2026; Tata BSE Multicap Consumption 50:30:20 Index Fund, September 2026
Holdings in common
- Overlap
- 52.7%
- Held by both
- 32
- Only in ITI Bharat Consumption
- 25
- Only in Tata BSE Multicap Consumption 50:30:20 Index
- 68
| Security | % of ITI Bharat Consumption | % of Tata BSE Multicap Consumption 50:30:20 Index |
|---|---|---|
| Eternal Limited | 6.23% | 4.61% |
| Mahindra & Mahindra Limited | 4.17% | 5.26% |
| ITC Limited | 3.87% | 5.07% |
| Titan Company Limited | 4.60% | 3.74% |
| Maruti Suzuki India Limited | 4.06% | 3.07% |
| Hindustan Unilever Limited | 2.61% | 3.35% |
| Bajaj Auto Limited | 2.29% | 2.30% |
| Asian Paints Limited | 2.23% | 2.17% |
| Ather Energy Limited | 2.71% | 2.02% |
| Eicher Motors Limited | 1.97% | 1.95% |
| TVS Motor Company Limited | 2.94% | 1.90% |
| Nestle India Limited | 2.63% | 1.87% |
| Trent Limited | 1.65% | 1.73% |
| Dixon Technologies (India) Limited | 1.45% | 1.43% |
| The Indian Hotels Company Limited | 1.53% | 1.28% |
| Tata Consumer Products Limited | 1.57% | 1.22% |
| Hero MotoCorp Limited | 1.21% | 1.76% |
| Tata Motors Passenger Vehicles Limited | 1.32% | 1.19% |
| Varun Beverages Limited | 1.78% | 1.16% |
| Britannia Industries Limited | 1.79% | 1.13% |
| Avenue Supermarts Limited | 1.05% | 1.24% |
| Sona BLW Precision Forgings Limited | 1.25% | 0.98% |
| Info Edge (India) Limited | 0.90% | 1.23% |
| DLF Limited | 0.95% | 0.86% |
| United Spirits Limited | 1.07% | 0.78% |
| Godrej Consumer Products Limited | 1.36% | 0.68% |
| Havells India Limited | 0.68% | 0.67% |
| Motherson Sumi Wiring India Limited | 0.98% | 0.64% |
| Blue Star Limited | 1.20% | 0.51% |
| LG Electronics India Ltd | 1.93% | 0.46% |
| Radico Khaitan Limited | 0.44% | 0.89% |
| Godfrey Phillips India Limited | 0.59% | 0.20% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 52.7% means 52.7% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in ITI Bharat Consumption Fund
| Security | % of fund |
|---|---|
| Bharti Airtel Limited | 6.57% |
| InterGlobe Aviation Limited | 2.56% |
| Apollo Hospitals Enterprise Limited | 2.42% |
| Sedemac Mechatronics Limited | 2.27% |
| ESDS Software Solution Ltd | 2.01% |
Largest holdings only in Tata BSE Multicap Consumption 50:30:20 Index Fund
| Security | % of fund |
|---|---|
| LENSKART SOLUTIONS LTD | 2.42% |
| MEESHO LTD | 2.33% |
| SAMVARDHANA MOTHERSON INTERNATIONAL LTD | 1.44% |
| BHARAT FORGE LTD | 1.35% |
| FSN E COMMERCE VENTURES LTD | 1.16% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | ITI Bharat Consumption | Tata BSE Multicap Consumption 50:30:20 Index |
|---|---|---|
| Equity | 99.7% | 100.1% |
| Debt | 0.0% | 0.0% |
| Cash and others | 0.3% | -0.1% |
Market cap of stocks
| Market cap | ITI Bharat Consumption | Tata BSE Multicap Consumption 50:30:20 Index |
|---|---|---|
| Large Cap | 67.0% | 46.5% |
| Mid Cap | 14.9% | 32.3% |
| Small Cap | 15.3% | 21.3% |
| Not on AMFI's list | 2.5% | 0.0% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | ITI Bharat Consumption | Tata BSE Multicap Consumption 50:30:20 Index |
|---|---|---|
| Automobiles | 20.7% | 21.3% |
| Retailing | 11.2% | 17.7% |
| Consumer Durables | 12.1% | 14.3% |
| Auto Components | 5.8% | 11.9% |
| Diversified FMCG | 6.5% | 8.4% |
| Telecom - Services | 7.5% | 0.0% |
| Realty | 1.4% | 5.9% |
The six largest sectors of each fund's stocks, % of the fund.
ITI Bharat Consumption vs Tata BSE Multicap Consumption 50:30:20 Index: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | ITI Bharat Consumption Fund | Tata BSE Multicap Consumption 50:30:20 Index Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.95% | 0.50% |
| Base expense ratio (Direct) | 0.66% | 0.24% |
| Total expense ratio (Regular) | 2.56% | 1.22% |
| Base expense ratio (Regular) | 2.10% | 0.90% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
ITI Bharat Consumption Fund vs Tata BSE Multicap Consumption 50:30:20 Index Fund: Frequently Asked Questions
What is the difference between ITI Bharat Consumption Fund and Tata BSE Multicap Consumption 50:30:20 Index Fund?
ITI Bharat Consumption Fund is a Thematic fund, Tata BSE Multicap Consumption 50:30:20 Index Fund is an Index fund, run by ITI Mutual Fund and Tata Mutual Fund. Their portfolios overlap 52.7%. ITI Bharat Consumption Fund charges 0.95% a year and Tata BSE Multicap Consumption 50:30:20 Index Fund 0.50%.
Which has the lower expense ratio, ITI Bharat Consumption Fund or Tata BSE Multicap Consumption 50:30:20 Index Fund?
Tata BSE Multicap Consumption 50:30:20 Index Fund charges less: 0.50% a year against 0.95%. These are the Direct plans' total expense ratios reported to AMFI.
How much do ITI Bharat Consumption Fund and Tata BSE Multicap Consumption 50:30:20 Index Fund overlap?
52.7%. They hold 32 of the same securities, the largest shared ones being ETERNAL, M&M, ITC. From each fund's latest monthly portfolio.
Which is riskier, ITI Bharat Consumption Fund or Tata BSE Multicap Consumption 50:30:20 Index Fund?
On SEBI's riskometer, ITI Bharat Consumption Fund is rated Very High and Tata BSE Multicap Consumption 50:30:20 Index Fund Very High. Over their common history, the standard deviation of daily returns was 13.62% and 17.23% a year.
Can I invest in both ITI Bharat Consumption Fund and Tata BSE Multicap Consumption 50:30:20 Index Fund?
Yes. 52.7% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages ITI Bharat Consumption Fund and Tata BSE Multicap Consumption 50:30:20 Index Fund?
ITI Bharat Consumption Fund: Animesh Singh, Dhimant Shah. Tata BSE Multicap Consumption 50:30:20 Index Fund: Nitin Sharma, Rakesh Prajapati.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.