Sharpe ratio
0.00Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+5.90%1Y Absolute Return
-0.00%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 Low Duration Fund (Direct) - GrowthFund 5Y annualised return | ₹8,57,829 | ₹7,32,612 | ₹1,25,217 | +6.54% |
| 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 age8.5 yrs
Fund information
Scheme code143612
ISININF192K01DW3
BenchmarkCRISIL Low Duration Debt A-I Index
CategoryDebt Scheme - Low Duration Fund
Expense ratio0.40%
Exit loadNil
Minimum SIP₹100 SIP
Return comparison
22nd / 226 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +5.19% | — | — |
| 3M | +4.77% | — | — |
| 6M | +6.58% | — | — |
| 1Y | +5.90% | — | +2.45% |
| 3Y | +7.17% | — | +3.20% |
| 5Y | +6.54% | — | +3.00% |
| Since Launch | +6.11% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
-0.01Return earned while limiting downside risk.
Negative
Negative means downside losses have outweighed the returns.
Standard deviation
0.59%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
0.41How well the fund rewarded investors relative to its biggest decline.
Low
Returns have been modest compared 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%
Debt96.60%
Cash3.40%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 38 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| CANARA BANK CD 12JAN27 | Financial | Certificate of Deposit | 7.495% |
| PUNJAB NATIONAL BANK CD 04MAR27 | Financial | Certificate of Deposit | 7.4272% |
| KOTAK MAHINDRA BANK LIMITED CD 21DEC26 | Financial | Certificate of Deposit | 6.6434% |
| SHRIRAM FINANCE LIMITED SR XIX TR8 9.10 NCD 18MR27 FVRS1LAC | Financial | Bonds | 4.6105% |
| GODREJ INDUSTRIES LIMITED SR II 8.40 NCD 27AG27 FVRS1LAC | Diversified | Non Convertible Debenture | 4.5948% |
| REC LIMITED SR 234-A 7.70 BD 31AG26 FVRS1LAC | Financial | Debenture | 3.6588% |
| 360 ONE PRIME LIMITED SR VI TR I 9.61 NCD 18JN27 FVRS1000 | Financial | Debenture | 3.4173% |
| HDFC BANK LIMITED CD 05MAR27 | Financial | Certificate of Deposit | 3.0564% |
| Net Receivables | Unspecified | Net Receivables | 2.644% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR V 7.83 BD 24NV28 FVRS1LAC | Financial | Debenture | 2.3133% |
Fund management
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
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.
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Summary
A low to moderate-risk debt scheme - low duration fund. Ranks 22 of 226 in its category over 1 year. Has fallen sharply before — down -15.0% at its worst.
Strengths
- Ranks 22 of 226 in its category over 1 year.
Weaknesses
- Has fallen sharply before — down -15.0% at its worst.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its low to moderate risk level.
Risk drivers
- Financial makes up 85% — trouble in that sector hits the whole fund.