Should I invest in JM Dynamic Bond Fund (Direct) - Daily IDCW?

We don't give personal investment advice. JM Dynamic Bond Fund (Direct) - Daily IDCW is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 4.9%. 5-year CAGR: 0.12%.

JM Dynamic Bond Fund (Direct) - Daily IDCW

Latest NAV

₹10.1076

As of

3 Jun 2026

3,237 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	-0.02%	+17.32%	-17.34	59 / 68	Q4
1W	+0.17%	+14.16%	-13.99	35 / 70	Q2
2W	+0.31%	+15.97%	-15.66	40 / 69	Q3
1M	+0.19%	+15.90%	-15.71	31 / 69	Q2
3M	+0.08%	+15.94%	-15.87	29 / 69	Q2
6M	+0.11%	+17.09%	-16.98	44 / 69	Q3
YTD	+0.09%	+15.85%	-15.76	35 / 69	Q3
1Y	-3.85%	+18.41%	-22.26	59 / 69	Q4
2Y	-0.01%	+7.92%	-7.93	52 / 68	Q4
3Y	+0.00%	+2.85%	-2.84	49 / 63	Q4
4Y	+0.02%	+3.41%	-3.39	58 / 61	Q4
5Y	+0.12%	+3.09%	-2.97	47 / 56	Q4
7Y	+0.13%	+2.73%	-2.60	42 / 52	Q4
10Y	+0.10%	+2.66%	-2.56	33 / 41	Q4
Inception	+0.08%	+7.98%	-7.90	58 / 68	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	+0.09%	+0.03%	+0.05	26 / 55
2025	+0.07%	+2.58%	-2.51	42 / 57
2024	-0.01%	+4.34%	-4.35	53 / 57
2023	-0.07%	+1.22%	-1.29	55 / 60
2022	-0.03%	+21.54%	-21.57	46 / 59
2021	-0.73%	+0.27%	-1.00	40 / 55
2020	+1.67%	+3.18%	-1.51	30 / 52
2019	+0.03%	+2.95%	-2.92	40 / 53
2018	+0.00%	+3.55%	-3.55	43 / 47
2017	+0.00%	-1.08%	+1.08	19 / 44
2016	+0.04%	+6.39%	-6.35	39 / 44

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

+0.07%

152 windows

min -3.9% · max 3.5%

55% positive

3-Year rolling

+0.12%

127 windows

min -0.4% · max 1.1%

85% positive

5-Year rolling

+0.13%

103 windows

min -0.2% · max 0.7%

91% positive

7-Year rolling

+0.14%

79 windows

min 0.0% · max 0.6%

97% 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

2.94%

3-year · annualised

Sharpe ratio

-2.20

vs risk-free 6.5%

Sortino ratio

-2.67

Downside-only deviation

Max drawdown

-4.89%

May 2025 → Apr 2026

% positive months

38.9%

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 Dynamic Bond Fund

Scheme	Fund house	NAV	As of
HDFC Dynamic Debt Fund - Half Yearly IDCW - Direct Plan	HDFC	₹13.6543	3 Jun 2026
NIPPON INDIA DYNAMIC BOND FUND - Direct Plan - IDCW Option	Nippon India	₹29.9231	3 Jun 2026
SBI Dynamic Bond Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.6379	3 Jun 2026
ICICI Prudential All Seasons Bond Fund - Direct Plan - Annual IDCW	ICICI Prudential	₹11.2620	3 Jun 2026
BANDHAN Dynamic Bond Fund-Direct Plan-Annual IDCW	Bandhan	₹11.7487	3 Jun 2026
Quantum Dynamic Bond Fund - Direct Plan Monthly IDCW	Quantum	₹10.1944	3 Jun 2026
Aditya Birla Sun Life Dynamic Bond Fund -Direct - IDCW	Aditya Birla Sun Life	₹12.9569	3 Jun 2026
Franklin India Dynamic Accrual Fund-Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct IDCW	Franklin India	₹0.0000	3 Jun 2026
Mirae Asset Dynamic Bond Fund Direct IDCW	Mirae Asset	₹18.5922	3 Jun 2026
Kotak Dynamic Bond Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹14.8223	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹10.1076
2 Jun 2026	₹10.1095
1 Jun 2026	₹10.1030
29 May 2026	₹10.1017
27 May 2026	₹10.0901
26 May 2026	₹10.0868
25 May 2026	₹10.0855
22 May 2026	₹10.0669
21 May 2026	₹10.0620
20 May 2026	₹10.0764

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 03 Jun 2026, the NAV of JM Dynamic Bond Fund (Direct) - Daily IDCW is ₹10.1076. It's a Dynamic Bond Fund from the fund house, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

JM Dynamic Bond Fund (Direct) - Daily IDCW has NAV history starting from 03 Jan 2013, a track record of about 13 years 5 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

JM Dynamic Bond Fund (Direct) - Daily IDCW is managed by the fund house. It's classified by AMFI under the 'Dynamic Bond Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, JM Dynamic Bond Fund (Direct) - Daily IDCW has delivered a absolute return of -3.85% — -22.26 pp behind the Dynamic Bond Fund category average of 18.41%. The fund ranks #59 of 69 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, JM Dynamic Bond Fund (Direct) - Daily IDCW has delivered a CAGR of 0.00% — -2.84 pp behind the Dynamic Bond Fund category average of 2.85%. The fund ranks #49 of 63 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, JM Dynamic Bond Fund (Direct) - Daily IDCW has delivered a CAGR of 0.12% — -2.97 pp behind the Dynamic Bond Fund category average of 3.09%. The fund ranks #47 of 56 in its category — the bottom (Q4) quartile.

₹1 lakh invested in JM Dynamic Bond Fund (Direct) - Daily IDCW exactly 10 years ago would be worth approximately ₹101,008 today — a multiplier of 1.01×, based on the 10-year CAGR of 0.10%. The category average over the same window would have grown ₹1 lakh to ₹129,961.

A ₹10,000 monthly SIP in JM Dynamic Bond Fund (Direct) - Daily IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹599,654 today. That's an XIRR (money-weighted annualised return) of -0.02%.

A ₹10,000 monthly SIP for 10 years in JM Dynamic Bond Fund (Direct) - Daily IDCW = ₹1,200,000 invested. It would currently be worth ₹1,204,101 (multiplier 1.00×). XIRR: 0.07%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, JM Dynamic Bond Fund (Direct) - Daily IDCW ranks #47 out of 56 funds in the Dynamic Bond Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 3.09%; this fund delivered 0.12%.

The worst peak-to-trough decline JM Dynamic Bond Fund (Direct) - Daily IDCW has experienced over the last 5-year window is 4.89% — its NAV fell from a high on 28 May 2025 to a low on 02 Apr 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 Dynamic Bond Fund (Direct) - Daily IDCW averaged 0.13% (best 0.74%, worst -0.23%). 91% of rolling windows ended positive. The 5-year Sharpe ratio is -2.75 — negative risk-adjusted performance.

In calendar year 2025, JM Dynamic Bond Fund (Direct) - Daily IDCW returned 0.07% — lagging the Dynamic Bond Fund category average of 2.58% by 2.51 pp. It ranked #42 of 57 in its category that year.

JM Dynamic Bond Fund (Direct) - Daily IDCW is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. JM Dynamic Bond Fund (Direct) - Daily IDCW is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 4.9%. 5-year CAGR: 0.12%.

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