Sharpe ratio
0.29Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+1.29%1Y Absolute Return
-0.22%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 |
|---|---|---|---|---|
| Nippon India Nivesh Lakshya Long Duration Fund- Direct Plan- Growth OptionFund 5Y annualised return | ₹8,35,717 | ₹7,32,612 | ₹1,03,105 | +5.48% |
| 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₹1.08
₹1 Lakh since launch₹1.08 Lakh
Fund age8.3 yrs
Fund information
Scheme code143704
ISININF204KB1YQ1
BenchmarkCRISIL Long Duration Debt A-III Index
CategoryDebt Scheme - Long Duration Fund
Expense ratio0.33%
Exit loadNil
Minimum SIP₹100 SIP
Return comparison
28th / 64 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +22.46% | — | — |
| 3M | -9.42% | — | — |
| 6M | +4.59% | — | — |
| 1Y | +1.29% | — | +0.36% |
| 3Y | +6.17% | — | +3.22% |
| 5Y | +5.48% | — | +1.88% |
| Since Launch | +7.74% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.44Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
4.98%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
1.32How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
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%
Debt98.10%
Cash1.90%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 18 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| 6.62% Govt. of India (MD 28/11/2051) | Entities | GOI Securities | 20.94% |
| CENTRAL GOVERNMENT LOAN 30951 GOI 15DC51 6.99 FV RS 100 | Entities | GOI Securities | 16.79% |
| GOI 8.13 22/06/2045 | Entities | GOI Securities | 16.07% |
| GOI CGL 7.06 10/10/2046 | Entities | Central Government Loan | 13.5% |
| GOI Sec 9.23 23/12/2043 | Entities | GOI Securities | 8.74% |
| CENTRAL GOVERNMENT LOAN 29633 GOI 17DC50 6.67 FV RS 100 | Entities | GOI Securities | 8.47% |
| GOI Sec 8.17 01/12/2044 | Entities | GOI Securities | 7.0% |
| GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 | Entities | GOI Securities | 3.04% |
| CENTRAL GOVERNMENT LOAN 23011 GOI 20SP50 7.16 FV RS 100 | Entities | GOI Securities | 1.48% |
| Net Current Assets | Unspecified | Net Current Assets | 1.32% |
Fund management
KI
Kinjal Desai
Since 2018 · She has been working with Nippon India Mutual Fund since year, 2012
Ms. Desai has done B.A (Economics), MSc. (Economics) and has cleared CFA Level 1
PR
Pranay Sinha
Since 2021 · Prior to joining Nippon India Mutual Fund, he has worked with ABSLAMC, BNP Paribas Bank (October 2010 - August,2014) , Morgan Stanley Investment Management Pvt. Ltd. (March 2008 - October 2010) and ICICI Prudential Asset Management Co. Ltd. ( October 2005 - March 2008).
Mr. Sinha has done B.Tech in Aerospace Engg. from IIT Kharagpur and PGDM with Major in Finance from IIM Calcutta.
AM
Amber Singhania
Since 2026 · Prior to joining the Nippon India AMC, he was associated with Asian Markets Securities Pvt. Ltd.
MMS Finance (Mumbai University)
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Summary
A moderate-risk debt scheme - long duration fund. Recovered from its worst fall in 3 months. Top 10 holdings make up 97% — a handful of stocks can swing returns sharply.
Strengths
- Recovered from its worst fall in 3 months.
- Same fund manager for 8+ years — the strategy has not chopped and changed.
Weaknesses
- Top 10 holdings make up 97% — a handful of stocks can swing returns sharply.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- Top 10 holdings = 97% of the portfolio.
- Entities makes up 98% — trouble in that sector hits the whole fund.