Tata Housing Opportunities Fund

ThematicDirect and Regular plans, Growth and IDCW options

Data as on 30-10-2026

Tata Housing Opportunities Fund is a Thematic fund run by Tata Mutual Fund. On 30-09-2026, it managed ₹451 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 6.5% a year and its Regular plan returned 4.8% a year. Its benchmark, Nifty Housing TRI, returned 10.0% a year over the same 3 years.

NAV (Direct plan): ₹14.97; ▼ 0.23%30-10-2026
NAV (Regular plan): ₹13.95; ▼ 0.23%30-10-2026
Expense ratio: 1.06%Direct2.61%Regular; 1.06%; A year
Riskometer: Very High; Set by the fund house
3 year return: 6.5%Direct4.8%Regular; 6.5%; A year

Tata Housing Opportunities Fund NAV Today

NAV on 30-10-2026: Direct Plan Growth ₹14.97 (down 0.23% that day); Regular Plan Growth ₹13.95 (down 0.23% that day).

This fund (Direct plan)

₹14.9723

Tata Housing Opportunities Fund Returns vs Nifty Housing TRI

Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.

Trailing returns
Period	1M	3M	6M	1Y	3Y	5Y	10Y
This fund (Direct)	−1.69%	−7.20%	−2.57%	−8.38%	+6.50%	--	--
This fund (Regular)	−1.82%	−7.57%	−3.34%	−9.83%	+4.76%	--	--
Nifty Housing TRI	−1.55%	−7.30%	−6.12%	−7.00%	+9.97%	--	--
Thematic average	−2.09%	−4.52%	+0.86%	−1.22%	+13.76%	--	--
Best in Thematic	+11.54%	+11.27%	+22.16%	+75.71%	+54.78%	--	--
Worst in Thematic	−16.05%	−11.74%	−13.97%	−22.44%	−4.46%	--	--
Rank in Thematic	100/235	182/232	149/232	160/215	121/133	--	--

Category rows compare the Direct plans of 235 Thematic funds. Rank 1 is the highest return.

Tata Housing Opportunities Fund Year-wise Returns

Return of each calendar year
Year	Direct	Regular	Nifty Housing TRI
2026to date	−5.64%	−6.88%	−5.09%
2025	−1.97%	−3.58%	+7.46%
2024	+14.02%	+12.12%	+8.38%
2023	+41.57%	+39.16%	+25.09%

Tata Housing Opportunities Fund Rolling Returns

The return of every holding period in the fund's history, not only the one that ends today

Rolling returns

Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 280 periods, one for each trading day from 09-09-2025 to 30-10-2026.

0%5%10%15%20%

Oct 2022
to
Oct 2025Dec 2022
to
Dec 2025Mar 2023
to
Mar 2026May 2023
to
May 2026Jul 2023
to
Jul 2026Sept 2023
to
Sept 2026

Tata Housing Opportunities Fund (Direct)Nifty Housing TRI

Every holding period at a glance

Period	Periods	Median	Lowest	Highest	With a loss	Benchmark median	Beat benchmark
1 year	770	5.1%	−12.1%	47.1%	33%	8.3%	33%
2 years	528	12.7%	−7.5%	34.6%	21%	15.3%	21%
3 years	280	13.2%	5.6%	18.5%	0%	13.8%	35%

Period	Periods	Median	Lowest	Highest	With a loss	Benchmark median	Beat benchmark
1 year	38	7.3%	−26.3%	51.4%	24%	10.0%	37%
2 years	26	4.1%	−12.4%	39.2%	27%	7.6%	23%

Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat benchmark" counts the periods in which the fund did better than Nifty Housing TRI over the same days. Past returns do not promise future returns.

Tata Housing Opportunities Fund Risk

How much it swings, and the falls an investor had to sit through

Risk and return

Measure	Tata Housing Opportunities Fund (Direct)This fund	Nifty Housing TRI
Return (CAGR)	−8.38%	−7.00%
Standard deviation	16.36%	17.05%
Sharpe ratio	-0.83	-0.72
Sortino ratio	-1.11	-0.96
Maximum drawdown	−17.6% (31-03-2026)	−14.1% (23-03-2026)
Beta	0.93	1.00
Alpha	−2.20%	0.00%

From daily NAVs, 30-10-2025 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: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.

Measure	Tata Housing Opportunities Fund (Direct)This fund	Nifty Housing TRI
Return (CAGR)	+6.50%	+9.97%
Standard deviation	15.86%	17.08%
Sharpe ratio	0.03	0.23
Sortino ratio	0.04	0.31
Maximum drawdown	−24.2% (28-02-2025)	−19.9% (28-02-2025)
Beta	0.86	1.00
Alpha	−2.93%	0.00%

From daily NAVs, 30-10-2023 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: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.

Measure	Tata Housing Opportunities Fund (Direct)This fund	Nifty Housing TRI
Return (CAGR)	+10.06%	+8.20%
Standard deviation	14.37%	15.98%
Sharpe ratio	0.27	0.13
Sortino ratio	0.36	0.17
Maximum drawdown	−24.2% (28-02-2025)	−19.9% (28-02-2025)
Beta	0.82	1.00
Alpha	+2.23%	0.00%

From daily NAVs, 09-09-2022 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: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.

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.

−25%−20%−15%−10%−5%0%

2023202420252026

Tata Housing Opportunities Fund (Direct)Nifty Housing TRI

	Worst fall	High before it	Bottom	Back at the high	Time to climb back	Below its high today
Tata Housing Opportunities Fund (Direct)	−24.2%	23-09-2024	28-02-2025	Not yet	--	−15.5%
Nifty Housing TRI	−19.9%	26-09-2024	28-02-2025	Not yet	--	−9.1%

From the Direct plan's daily NAV since 09-09-2022, adjusted for unit splits, and Nifty Housing TRI over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.

Tata Housing Opportunities Fund vs Other Thematic Funds

The five Thematic funds with the best three year return, and this fund. Direct plans.

Fund name	Rank	AUM (Cr)	Exp. ratio	1Y return	3Y return	3Y alpha	3Y beta	3Y Sharpe	3Y Sortino
Nippon India Taiwan Equity Fund	1/133	1,147	1.08%	+75.71%	+54.78%	--	--	1.38	2.03	Compare
HDFC Defence Fund	2/133	11,493	0.90%	+13.79%	+34.76%	−0.18%	0.83	1.12	1.54	Compare
HDFC Pharma and Healthcare Fund	3/133	3,501	1.05%	+23.12%	+30.53%	+8.23%	0.96	1.74	2.49	Compare
SBI Healthcare Opportunities Fund	4/133	5,870	1.01%	+17.12%	+24.60%	+3.61%	0.88	1.42	2.03	Compare
Aditya Birla Sun Life International Equity Fund	5/133	352	2.00%	+13.97%	+24.46%	--	--	1.49	2.16	Compare
Tata Housing Opportunities Fund	121/133	451	1.06%	−8.38%	+6.50%	−2.93%	0.86	0.03	0.04

AUM is each fund's size at the end of its last reported month, from its own portfolio file. We calculate the risk ratios from daily NAVs over the last three years. The risk-free return is what NSE's overnight rate index earned over the same years. Alpha and beta compare each fund with its own benchmark's TRI. "--" means we have no figure: for alpha and beta, no daily series for that benchmark.

Tata Housing Opportunities Fund Expense Ratio and Costs

What each plan charges a year, in force from 01-10-2026

Plan	Base expense ratio	Brokerage	Transaction costs	Levies and GST	Total expense ratio	Thematic median	Cost rank (1 = cheapest)
Direct	0.75%	0.05%	0.00%	0.26%	1.06%	1.18%	80/235
Regular	2.09%	0.05%	0.00%	0.47%	2.61%	2.41%	168/235

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, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file. Cost rank: where this plan comes when the Thematic funds' plans of the same type are sorted from the lowest total expense ratio to the highest.

Direct vs Regular: what the gap cost

Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.

Over the last	Regular	Direct	Direct earned more by	₹1 lakh became (Regular)	₹1 lakh became (Direct)
1 year	−9.83%	−8.38%	1.45%	₹90,170	₹91,620
3 years	4.76%	6.50%	1.74% a year	₹1,14,971	₹1,20,795

Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.

Tata Housing Opportunities Fund SIP Calculator

What a one-time or monthly investment in this fund would be worth today, from its own NAV history

Growth of an investment

Every month₹

Step up each year

PeriodFor

₹10,000 on the first trading day of every month, from 09-09-2022 to 30-10-2026: 50 instalments, ₹5,00,000 in all.

Investment	Invested	Value now	Gain	Return a year
Direct planTata Housing Opportunities Fund (Direct)	₹5,00,000	₹5,47,972	₹47,972	4.4%
Regular planTata Housing Opportunities Fund (Regular)	₹5,00,000	₹5,27,737	₹27,737	2.6%
Nifty Housing TRI	₹5,00,000	₹5,60,220	₹60,220	5.4%
Category averageCategory average, 235 Thematic funds	₹5,00,000	₹6,22,176	₹1,22,176	10.5%

₹0₹2.0 L₹4.0 L₹6.0 L₹8.0 L

2023202420252026

Direct planTata Housing Opportunities Fund (Direct)Regular planTata Housing Opportunities Fund (Regular)Nifty Housing TRICategory averageCategory average, 235 Thematic fundsAmount invested

From each plan's published NAV (Growth option), the benchmark's TRI and the category average, over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.

Tata Housing Opportunities Fund Asset Allocation

Asset allocation as on 30-09-2026

What the fund holds

95.8%Equity

Asset	Fund	Category
Equity	95.8%	94.5%
Cash and others	4.2%	4.0%

Market cap of stocks

Market cap	Fund	Category
Large Cap	56.8%	45.7%
Mid Cap	16.1%	19.6%
Small Cap	22.9%	24.1%

Share of the whole fund. Category: the average of the Thematic funds that hold stocks. Groups follow AMFI's latest list, as SEBI defines them: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.

Tata Housing Opportunities Fund Sector Allocation

Sector allocation of the fund's stocks as on 30-09-2026

Largest sectors

Banks22.8%
Consumer Durables15.1%
Cement & Cement Products12.8%
Realty9.4%
Ferrous Metals7.8%
Power7.5%
Construction5.6%
Industrial Products4.7%
Finance4.0%
Gas3.8%

The ten largest of 11 sectors. The other 1 add up to 2.4%.

Sector changes

Sector	July 2026	August 2026	September 2026	Change
Banks	21.9%	22.4%	22.8%	+0.9%
Consumer Durables	15.7%	15.8%	15.1%	−0.6%
Cement & Cement Products	12.9%	12.7%	12.8%	−0.1%
Realty	9.7%	9.7%	9.4%	−0.3%
Ferrous Metals	7.2%	7.6%	7.8%	+0.6%

Each sector's share of the fund at the end of each month. The five largest sectors of September 2026. Change: from July 2026 to September 2026, in % of the fund.

Tata Housing Opportunities Fund Portfolio Holdings

As on 30-09-2026 · 30 holdings · from the fund house's monthly portfolio

Holdings	Sector	Weight%	1M change
HDFC BANK LTD	Banks	9.38%	0.0%
ULTRATECH CEMENT LTD	Cement & Cement Products	8.45%	0.0%
ICICI BANK LTD	Banks	7.04%	0.0%
LARSEN & TOUBRO LTD	Construction	5.57%	0.0%
NTPC LTD	Power	5.44%	0.0%
PRESTIGE ESTATES PROJECTS LTD	Realty	5.09%	0.0%
JSW STEEL LTD	Ferrous Metals	4.86%	0.0%
VENUS PIPES & TUBES LTD	Industrial Products	4.70%	0.0%
PETRONET LNG LTD	Gas	3.79%	0.0%
AMBUJA CEMENTS LTD	Cement & Cement Products	3.37%	0.0%
PG ELECTROPLAST LTD	Consumer Durables	3.17%	0.0%
ASIAN PAINTS LTD	Consumer Durables	3.15%	0.0%
VOLTAS LTD	Consumer Durables	2.73%	0.0%
KOTAK MAHINDRA BANK LTD	Banks	2.64%	0.0%
DIAMOND POWER INFRASTRUCTURE LTD	Electrical Equipment	2.42%	0.0%
KEYSTONE REALTORS LTD	Realty	2.27%	0.0%
ORIENT ELECTRIC LTD	Consumer Durables	2.26%	0.0%
HOME FIRST FINANCE COMPANY INDIA LTD	Finance	2.25%	0.0%
ADANI ENERGY SOLUTIONS LTD	Power	2.07%	0.0%
STATE BANK OF INDIA	Banks	1.92%	0.0%
TATA STEEL LTD	Ferrous Metals	1.82%	0.0%
IDFC FIRST BANK LTD	Banks	1.82%	0.0%
AAVAS FINANCIERS LTD	Finance	1.73%	0.0%
GODREJ PROPERTIES LTD	Realty	1.52%	0.0%
JSW DULUX LTD	Consumer Durables	1.47%	0.0%
BAJAJ ELECTRICALS LTD	Consumer Durables	1.19%	0.0%
LG ELECTRONICS INDIA LTD	Consumer Durables	1.15%	0.0%
JINDAL STEEL LTD	Ferrous Metals	1.10%	0.0%
THE RAMCO CEMENTS LTD	Cement & Cement Products	0.96%	0.0%
TARC LTD	Realty	0.48%	0.0%

Tata Housing Opportunities Fund Stocks Bought and Sold

All changes are between August 2026 and September 2026

No stocks were bought or sold in September 2026.

What Tata Housing Opportunities Fund bought and sold

Tata Housing Opportunities Fund Portfolio Overlap

Funds with the most similar portfolios, across every fund house and category

Fund	Overlap	Holdings in common
HDFC Housing Opportunities FundThematic · HDFC	50.5%	15	Compare
ICICI Prudential Housing Opportunities FundThematic · ICICI Prudential	42.3%	16	Compare
SBI ESG Exclusionary Strategy FundThematic · SBI	34.3%	10	Compare
DSP Large Cap FundLarge Cap · DSP	34.0%	9	Compare
PGIM India Large Cap FundLarge Cap · PGIM India	33.7%	12	Compare
Tata BSE Sensex Index FundIndex · Tata	32.4%	9	Compare
Axis BSE Sensex ETFETF · Axis	32.4%	9	Compare
Axis BSE Sensex Index FundIndex · Axis	32.4%	9	Compare

Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.

Tata Housing Opportunities Fund Overview

Fund facts from the scheme summary document, as on 16-10-2026

Expense ratio (Direct): 1.06%
Expense ratio (Regular): 2.61%
Category: Thematic
Risk: Very High
Benchmark: Nifty Housing TRI
Launch date: 02-09-2022
Minimum investment: ₹5,000
Minimum additional investment: ₹1,000
AUM: ₹450.84 Cr (30-09-2026)
Lock in: None
Scheme code (Direct): 150532
ISIN (Direct): INF277KA1497
Scheme code (Regular): 150537
ISIN (Regular): INF277KA1521
NAV history: From 09-09-2022, 4.1 years

Exit load: Exit load of 1%, if redeemed within 30 days.

Tax on Tata Housing Opportunities Fund returns

Tata Housing Opportunities Fund is taxed as an equity fund: 65% or more of it is in Indian stocks.
Units sold within 1 year: the gain is taxed at 20%.
Units held longer: gains above ₹1.25 lakh in a financial year, across all your equity funds and shares, are taxed at 12.5%.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.

Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.

All plans and options

Plan	Option	NAV	As on
direct	Growth	₹14.9723	30-10-2026
direct	IDCW Payout	₹14.9723	30-10-2026
direct	IDCW Reinvestment	₹14.9723	30-10-2026
regular	Growth	₹13.9518	30-10-2026
regular	IDCW Payout	₹13.9518	30-10-2026
regular	IDCW Reinvestment	₹13.9518	30-10-2026

About Tata Housing Opportunities Fund

Tata Housing Opportunities Fund is a mutual fund from Tata Mutual Fund. Its category is Thematic. It was launched on 02-09-2022. Its benchmark is Nifty Housing TRI. At the end of September 2026 it held 30 securities.

Fund Manager

Aditya Bagul
Fund manager of Tata Housing Opportunities Fund, since 01-07-2025
Kapil Malhotra
Fund manager of Tata Housing Opportunities Fund, since 01-07-2025
Hasmukh Vishariya
Fund manager of Tata Housing Opportunities Fund, since 01-03-2025
Murthy Nagarajan
Fund manager of Tata Housing Opportunities Fund, since 16-08-2022

See all funds of Tata Mutual Fund

AUM change

September 2026: ₹450.84 Cr; −5.75% from August 2026
August 2026: ₹478.37 Cr; −2.98% from July 2026
July 2026: ₹493.05 Cr; +2.24% from June 2026

AUM moves with money invested or taken out, and with the value of what the fund holds.

Compare Tata Housing Opportunities Fund with Other Funds

Returns, risk, costs and the stocks they share, side by side

Tata Housing Opportunities vs Nippon India Taiwan EquityThematic
Tata Housing Opportunities vs HDFC DefenceThematic
Tata Housing Opportunities vs HDFC Pharma and HealthcareThematic
Tata Housing Opportunities vs SBI Healthcare OpportunitiesThematic
Tata Housing Opportunities vs Aditya Birla Sun Life International EquityThematic
Tata Housing Opportunities vs HDFC Housing Opportunities50.5% overlap
Tata Housing Opportunities vs ICICI Prudential Housing Opportunities42.3% overlap
Tata Housing Opportunities vs SBI ESG Exclusionary Strategy34.3% overlap

Compare with any other fund

Frequently Asked Questions for Tata Housing Opportunities Fund

What is the current NAV of Tata Housing Opportunities Fund?

The Direct plan NAV is ₹14.9723. The Regular plan NAV is ₹13.9518, as on 30-10-2026.

What are the returns of Tata Housing Opportunities Fund?

The Direct plan returned −8.38% in 1 year, +6.50% a year over 3 years. The Regular plan returned −9.83% in 1 year, +4.76% a year over 3 years. These figures are as on 30-10-2026.

What is the expense ratio of Tata Housing Opportunities Fund?

The Direct plan charges 1.06% a year. The Regular plan charges 2.61% a year. This is the figure the fund house reported to AMFI, in force from 01-10-2026.

What is the AUM of Tata Housing Opportunities Fund?

Tata Housing Opportunities Fund managed ₹450.84 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.

What are the top holdings of Tata Housing Opportunities Fund?

At the end of September 2026 the largest holdings were HDFCBANK (9.38%), ULTRACEMCO (8.45%), ICICIBANK (7.04%), LT (5.57%), NTPC (5.44%). The fund held 30 securities in all.

How do I invest in Tata Housing Opportunities Fund?

Through Tata Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least ₹5,000. You can invest once or through a monthly SIP.

Who is the fund manager of Tata Housing Opportunities Fund?

Aditya Bagul (since 01-07-2025), Kapil Malhotra (since 01-07-2025), Hasmukh Vishariya (since 01-03-2025), Murthy Nagarajan (since 16-08-2022).

What is the exit load of Tata Housing Opportunities Fund?

Exit load of 1%, if redeemed within 30 days.

Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.

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.