Should I invest in JM Basic Fund?

We don't give personal investment advice. JM Basic Fund - Dividend Plan is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 27.5%. 5-year CAGR: 14.28%.

JM Financial

JM Basic Fund - Dividend Plan

Latest NAV

₹62.4522

As of

10 Jun 2026

4,645 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	-0.93%	+0.39%	-1.32	16 / 16	Q4
1W	-1.26%	-0.81%	-0.45	14 / 16	Q4
2W	-3.26%	-2.40%	-0.86	15 / 16	Q4
1M	-3.61%	-2.36%	-1.25	15 / 16	Q4
3M	+2.55%	-2.34%	+4.89	2 / 16	Q1
6M	-5.28%	-7.96%	+2.67	3 / 16	Q1
YTD	-6.65%	-8.98%	+2.34	3 / 16	Q1
1Y	-9.97%	-6.76%	-3.20	12 / 16	Q3
2Y	-3.98%	-1.41%	-2.57	12 / 16	Q3
3Y	+14.08%	+11.37%	+2.71	6 / 16	Q2
4Y	+17.91%	+13.09%	+4.82	1 / 16	Q1
5Y	+14.28%	+10.85%	+3.43	2 / 16	Q1
7Y	+15.77%	+11.88%	+3.90	2 / 16	Q1
10Y	+15.32%	+10.96%	+4.36	1 / 16	Q1
Inception	+4.48%	+9.54%	-5.06	13 / 16	Q4

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-6.65%	-8.98%	+2.34	3 / 16
2025	-4.76%	+3.06%	-7.82	15 / 16
2024	+23.96%	+17.61%	+6.35	1 / 16
2023	+47.98%	+29.56%	+18.42	2 / 16
2022	+5.34%	+5.08%	+0.26	8 / 16
2021	+35.60%	+32.61%	+2.99	6 / 16
2020	+13.44%	+11.98%	+1.46	5 / 16
2019	+11.53%	-0.12%	+11.65	1 / 16
2018	-10.54%	-9.17%	-1.36	9 / 16
2017	+42.16%	+32.01%	+10.15	4 / 16
2016	+11.32%	+3.68%	+7.64	5 / 16

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+12.00%

218 windows

min -78.8% · max 163.3%

62% positive

3-Year rolling

+11.00%

194 windows

min -30.2% · max 34.5%

77% positive

5-Year rolling

+11.43%

170 windows

min -21.3% · max 32.4%

88% positive

7-Year rolling

+11.67%

145 windows

min -11.2% · max 19.5%

90% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

16.41%

3-year · annualised

Sharpe ratio

0.51

vs risk-free 6.5%

Sortino ratio

0.88

Downside-only deviation

Max drawdown

-27.52%

Sep 2024 → Mar 2026

% positive months

55.6%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Value Fund

Scheme	Fund house	NAV	As of
HDFC Capital Builder Fund - Dividend Option	HDFC	₹34.1510	10 Jun 2026
ICICI Prudential Discovery Fund-DIVIDEND OPTION	ICICI Prudential	₹33.9300	10 Jun 2026
Quantum Long-Term Equity Fund-Dividend Plan	Quantum	₹121.3300	10 Jun 2026
Templeton India Growth Fund-Dividend Plan	Franklin Templeton	₹89.4587	10 Jun 2026
UTI Opportunities Fund-Dividend Option	UTI	₹46.1413	10 Jun 2026
IDFC Small & Midcap Equity (SME) Fund - Dividend	IDFC	₹35.2940	10 Jun 2026
JM Basic Fund - Growth Plan	JM Financial	₹89.4362	10 Jun 2026
Tata Equity P/E Fund (Dividend)	Tata	₹110.8626	10 Jun 2026

Recent NAVs

Date	NAV
10 Jun 2026	₹62.4522
9 Jun 2026	₹63.0361
8 Jun 2026	₹62.3857
5 Jun 2026	₹63.3675
4 Jun 2026	₹63.4503
3 Jun 2026	₹63.2470
2 Jun 2026	₹63.5437
1 Jun 2026	₹63.0938
29 May 2026	₹63.7919
27 May 2026	₹64.5577

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 10 Jun 2026, the NAV of JM Basic Fund - Dividend Plan is ₹62.4522. It's a Value Fund from JM Financial, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

JM Basic Fund - Dividend Plan has NAV history starting from 23 Jul 2007, a track record of about 18 years 10 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

JM Basic Fund - Dividend Plan is managed by JM Financial. It's classified by AMFI under the 'Value Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, JM Basic Fund - Dividend Plan has delivered a absolute return of -9.97% — -3.2 pp behind the Value Fund category average of -6.76%. The fund ranks #12 of 16 in its category — the third (Q3) quartile.

Over the trailing 3-year window, JM Basic Fund - Dividend Plan has delivered a CAGR of 14.08% — +2.71 pp ahead of the Value Fund category average of 11.37%. The fund ranks #6 of 16 in its category — the second (Q2) quartile.

Over the trailing 5-year window, JM Basic Fund - Dividend Plan has delivered a CAGR of 14.28% — +3.43 pp ahead of the Value Fund category average of 10.85%. The fund ranks #2 of 16 in its category — the top (Q1) quartile.

₹1 lakh invested in JM Basic Fund - Dividend Plan exactly 10 years ago would be worth approximately ₹415,995 today — a multiplier of 4.16×, based on the 10-year CAGR of 15.32%. The category average over the same window would have grown ₹1 lakh to ₹282,938.

A ₹10,000 monthly SIP in JM Basic Fund - Dividend Plan over the last 5 years — total invested ₹600,000 — would be worth ₹785,969 today. That's an XIRR (money-weighted annualised return) of 10.73%.

A ₹10,000 monthly SIP for 10 years in JM Basic Fund - Dividend Plan = ₹1,200,000 invested. It would currently be worth ₹2,551,978 (multiplier 2.13×). XIRR: 14.43%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, JM Basic Fund - Dividend Plan ranks #2 out of 16 funds in the Value Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 10.85%; this fund delivered 14.28%.

The worst peak-to-trough decline JM Basic Fund - Dividend Plan has experienced over the last 5-year window is 27.52% — its NAV fell from a high on 05 Sep 2024 to a low on 31 Mar 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, JM Basic Fund - Dividend Plan averaged 11.43% (best 32.36%, worst -21.35%). 88% of rolling windows ended positive. The 5-year Sharpe ratio is 0.53 — reasonable risk-adjusted performance.

In calendar year 2025, JM Basic Fund - Dividend Plan returned -4.76% — lagging the Value Fund category average of 3.06% by 7.82 pp. It ranked #15 of 16 in its category that year.

JM Basic Fund - Dividend Plan is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. JM Basic Fund - Dividend Plan is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 27.5%. 5-year CAGR: 14.28%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.