Sharpe ratio
0.54Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
-0.37%1Y Absolute Return
-0.67%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 Value Fund (Direct) - Growth OptionFund 5Y annualised return | ₹10,15,590 | ₹7,32,612 | ₹2,82,978 | +13.20% |
| 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₹1.16
₹1 Lakh since launch₹1.16 Lakh
Fund age13.9 yrs
Fund information
Scheme code120486
ISININF192K01BT3
BenchmarkBSE 500 TRI
CategoryEquity Scheme - Value Fund
Expense ratio1.50%
Exit loadExit load of 1%, if redeemed within 30 days.
Minimum SIP₹100 SIP
Return comparison
47th / 92 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +16.21% | — | — |
| 3M | -4.45% | — | — |
| 6M | +12.38% | — | — |
| 1Y | -0.37% | — | -0.07% |
| 3Y | +11.05% | — | +10.82% |
| 5Y | +13.20% | — | +9.61% |
| 10Y | +15.68% | — | — |
| Since Launch | +15.60% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.74Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
17.99%How much the fund’s returns fluctuate over time.
High volatility
Returns can swing significantly.
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%
Equity99.09%
Cash0.91%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 67 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Shriram Transport Finance Company Ltd | Financial | Equity | 4.0424% |
| Restaurant Brands Asia Ltd | Consumer Discretionary | Equity | 3.7454% |
| Godfrey Phillips India Ltd | Consumer Staples | Equity | 3.5582% |
| Larsen & Toubro Ltd | Industrials | Equity | 3.3017% |
| Dr. Reddy's Laboratories Ltd | Healthcare | Equity | 3.2963% |
| HDFC Bank Ltd | Financial | Equity | 3.198% |
| JANALAKSHMI FINANCIAL SERVICES PRIVATE LTD EQ CLASS A | Financial | Equity | 3.1314% |
| ICICI Bank Ltd | Financial | Equity | 3.0063% |
| Arvind Ltd | Consumer Discretionary | Equity | 2.5672% |
| REC Ltd | Financial | Equity | 2.5626% |
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
SA
Satish Ramanathan
Since 2021 · Prior to joining JM Mutual Fund, he has worked with Sundaram BNP Paribas AMC and has an extensive experience in the asset management business with stints in Research division of Sundaram AMC and managing funds for Franklin Templeton. He has also worked with ICICI Securities for 4 years, with Birla Merlin & Dewoo Finance for 1 year, with ICRA Ltd. for 2 years and for 1 year with Tata Economic Consultancy Services.
Mr. Ramanathan holds a B.Tech degree and has done MBA and CFA.
AS
Asit Bhandarkar
Since 2012 · Prior to joining JM Financial he has worked with Lotus India AMC Pvt. Ltd. and SBI Funds Management Pvt. Ltd.
Mr. Bhandarkar is a B.Com (H) and MMS.
DE
Deepak Gupta
Since 2025 · Prior to Joining the JM AMC, he has worked with SBI Pension Funds Private Limited, Reliance Nippon Life Insurance and Access Asset Managers Private Limited
C.A, M.Com from Mumbai University
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Summary
A very high-risk equity scheme - value fund. Ahead of its category average over 3Y by 0.2 points. Has fallen sharply before — down -37.9% at its worst.
Strengths
- Ahead of its category average over 3Y by 0.2 points.
- Same fund manager for 14+ years — the strategy has not chopped and changed.
Weaknesses
- Has fallen sharply before — down -37.9% at its worst.
Ideal investor
- Needs a 5–7+ years horizon to ride out its very high risk level.
- Good fit for SIPs — spreading purchases smooths out 18.0% volatility.
Risk drivers
- Corrections have been sharp — worst fall -37.9% with 18.0% volatility. Took 8 months to recover last time.