Sharpe ratio
-0.20Return earned for the risk taken.
Negative
Negative means the fund has not rewarded investors well for the risk taken recently.
+2.42%1Y Absolute Return
-0.19%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| JM Medium to Long Duration Fund (Direct) - Growth OptionFund 5Y annualised return | ₹8,31,426 | ₹7,32,612 | ₹98,814 | +5.27% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.06
₹1 Lakh since launch₹1.06 Lakh
Fund age13.9 yrs
Fund information
Scheme code120430
ISININF192K01CW5
BenchmarkCRISIL Medium to Long Duration Debt A-III Index
CategoryDebt Scheme - Medium to Long Duration Fund
Expense ratio0.61%
Exit loadNil
Minimum SIP₹100 SIP
Return comparison
50th / 101 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +11.58% | — | — |
| 3M | -3.40% | — | — |
| 6M | +3.82% | — | — |
| 1Y | +2.42% | — | +1.72% |
| 3Y | +6.40% | — | +4.29% |
| 5Y | +5.27% | — | +4.03% |
| 10Y | +4.51% | — | — |
| Since Launch | +5.51% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
-0.24Return earned while limiting downside risk.
Negative
Negative means downside losses have outweighed the returns.
Standard deviation
2.24%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.52How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt92.92%
Cash7.08%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
9 of 9 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 37080 GOI 16FB31 6.36 FV RS 100 | Entities | GOI Securities | 29.7979% |
| GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100 | Entities | GOI Securities | 26.0954% |
| GOVERNMENT OF INDIA 35368 GOI 23DC29 6.75 FV RS 100 | Entities | GOI Securities | 13.4711% |
| REC LIMITED SR 197 7.55 BD 11MY30 FVRS10LAC | Financial | Debenture | 8.42% |
| BAJAJ HOUSING FINANCE LIMITED 7.08 NCD 12JU30 FVRS1LAC | Financial | Debenture | 8.1552% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25G 7.48 BD 15SP28 FVRS1LAC | Financial | Bonds | 6.6701% |
| Reverse Repo | Unspecified | Reverse Repo | 4.7944% |
| Net Receivables | Unspecified | Net Receivables | 2.2856% |
| Others Class A2 AIF | Unspecified | Alternative Investment Fund | 0.3103% |
Fund management
KI
Killol Pandya
Since 2024 · Prior to joining JM Financial Asset Management Limited he has worked with Barclays Securities India Private Ltd,Peerless Funds Management Co. Limited, LIC Nomura Mutual Fund AMC , Daiwa Asset Management (India) Pvt. Ltd., SBI Funds Management Pvt Ltd., IL&FS Investsmart Ltd. and Darashaw & Co. Pvt. Ltd.
Mr. Pandya is a B.Com (H) from N.M College of Commerce, DPCM from ICFAI and MMS (Finance) from K.J. Somaiya Institute of Management Studies and Research.
RU
Ruchi Fozdar
Since 2024 · Prior to joining JM Mutual Fund, she was associated with few brokers and institutions like Reliance Life Insurance Co. Ltd. and Mahindra Manulife Mutual Fund
Ms. Ruchi is a graduate in science and PGDBM in finance
JA
Jayant Dhoot
Since 2025 · Prior to joining the JM MF, he was worked with Taurus Corporate Advisory Services Pvt Ltd, Nuvama Wealth & Investment Ltd, NVS Brokerage Pvt. Ltd.
Chartered Accountant, Company Secretary, B.Com
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Summary
A moderate-risk debt scheme - medium to long duration fund. Top 10 holdings make up 100% — a handful of stocks can swing returns sharply.
Strengths
- None
Weaknesses
- Top 10 holdings make up 100% — a handful of stocks can swing returns sharply.
- Has fallen sharply before — down -10.6% at its worst.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- Top 10 holdings = 100% of the portfolio.
- Entities makes up 69% — trouble in that sector hits the whole fund.