Should I invest in JM Dynamic Bond Fund (Regular) - Bonus Option - Principal Units?

We don't give personal investment advice. JM Dynamic Bond Fund (Regular) - Bonus Option - Principal Units 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: 3.0%. 5-year CAGR: 5.83%.

JM Dynamic Bond Fund (Regular) - Bonus Option - Principal Units

Latest NAV

₹40.0725

As of

27 Jan 2025

2,852 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	+0.00%	+24.16%	-24.16	33 / 48	Q3
1W	+0.71%	+24.38%	-23.67	6 / 48	Q1
2W	+1.35%	+24.65%	-23.31	6 / 48	Q1
1M	+1.25%	+24.64%	-23.39	6 / 48	Q1
3M	+2.22%	+24.91%	-22.69	6 / 48	Q1
6M	+4.05%	+26.19%	-22.15	7 / 48	Q1
YTD	+1.12%	+24.50%	-23.38	12 / 48	Q1
1Y	+8.52%	+28.03%	-19.50	7 / 48	Q1
2Y	+7.52%	+9.76%	-2.25	6 / 48	Q1
3Y	+6.36%	+2.68%	+3.68	6 / 44	Q1
4Y	+5.56%	+3.22%	+2.33	15 / 42	Q2
5Y	+5.83%	+3.23%	+2.60	9 / 37	Q1
7Y	+6.08%	+2.91%	+3.17	7 / 33	Q1
10Y	+6.72%	+3.49%	+3.24	3 / 25	Q1
Inception	+7.02%	+10.01%	-2.99	6 / 48	Q1

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
2025 YTD	+1.12%	+2.27%	-1.15	22 / 43
2024	+8.13%	+4.07%	+4.07	13 / 43
2023	+6.20%	+2.84%	+3.36	5 / 43
2022	+3.83%	+30.82%	-26.99	10 / 40
2021	+2.64%	-0.61%	+3.26	12 / 36
2020	+7.75%	+2.67%	+5.09	10 / 33
2019	+6.15%	+2.75%	+3.40	9 / 33
2018	+7.38%	+3.81%	+3.57	3 / 27
2017	+7.56%	+1.05%	+6.51	2 / 25
2016	+8.29%	+6.59%	+1.70	10 / 24
2015	+8.95%	+8.15%	+0.79	2 / 3

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

+6.93%

132 windows

min 2.2% · max 9.2%

100% positive

3-Year rolling

+6.69%

108 windows

min 4.1% · max 8.9%

100% positive

5-Year rolling

+6.71%

84 windows

min 5.3% · max 8.4%

100% positive

7-Year rolling

+6.70%

59 windows

min 5.9% · max 8.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

1.40%

3-year · annualised

Sharpe ratio

-0.22

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.68%

Oct 2024 → Oct 2024

% positive months

91.7%

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
ICICI Prudential Long Term Plan- Regular Dividend	ICICI Prudential	₹10.9534	3 Jun 2026
BANDHAN Dynamic Bond Fund - Regular Plan B - Annual IDCW	Bandhan	₹11.2383	3 Jun 2026
Quantum Dynamic Bond Fund - Regular Plan Monthly IDCW	Quantum	₹10.2522	3 Jun 2026
Aditya Birla Sun Life Dynamic Bond Fund -Regular - IDCW	Aditya Birla Sun Life	₹11.9051	3 Jun 2026
Mirae Asset Dynamic Bond Fund Regular IDCW	Mirae Asset	₹16.8936	3 Jun 2026
Kotak Dynamic Bond Fund Regular Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹14.4863	3 Jun 2026
HSBC Dynamic Bond Fund - Regular Annual IDCW	HSBC	₹10.0493	3 Jun 2026
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Daily IDCW Option	Baroda BNP Paribas	₹9.9714	3 Jun 2026
UTI Dynamic Bond Fund - Regular Plan - Annual IDCW	UTI	₹13.6913	3 Jun 2026
Axis Dynamic Bond Fund - Regular Plan - Half Yearly IDCW	Axis	₹11.6764	3 Jun 2026

Recent NAVs

Date	NAV
27 Jan 2025	₹40.0725
24 Jan 2025	₹39.9463
23 Jan 2025	₹39.8975
22 Jan 2025	₹39.9250
21 Jan 2025	₹39.8706
20 Jan 2025	₹39.7890
17 Jan 2025	₹39.7390
16 Jan 2025	₹39.7748
15 Jan 2025	₹39.6267
14 Jan 2025	₹39.5849

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 27 Jan 2025, the NAV of JM Dynamic Bond Fund (Regular) - Bonus Option - Principal Units is ₹40.0725. It's a Dynamic Bond Fund from the fund house, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

JM Dynamic Bond Fund (Regular) - Bonus Option - Principal Units has NAV history starting from 08 Apr 2013, a track record of about 13 years 1 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 (Regular) - Bonus Option - Principal Units 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 (Regular) - Bonus Option - Principal Units has delivered a absolute return of 8.52% — -19.5 pp behind the Dynamic Bond Fund category average of 28.03%. The fund ranks #7 of 48 in its category — the top (Q1) quartile.

Over the trailing 3-year window, JM Dynamic Bond Fund (Regular) - Bonus Option - Principal Units has delivered a CAGR of 6.36% — +3.68 pp ahead of the Dynamic Bond Fund category average of 2.68%. The fund ranks #6 of 44 in its category — the top (Q1) quartile.

Over the trailing 5-year window, JM Dynamic Bond Fund (Regular) - Bonus Option - Principal Units has delivered a CAGR of 5.83% — +2.6 pp ahead of the Dynamic Bond Fund category average of 3.23%. The fund ranks #9 of 37 in its category — the top (Q1) quartile.

₹1 lakh invested in JM Dynamic Bond Fund (Regular) - Bonus Option - Principal Units exactly 10 years ago would be worth approximately ₹191,692 today — a multiplier of 1.92×, based on the 10-year CAGR of 6.72%. The category average over the same window would have grown ₹1 lakh to ₹140,905.

A ₹10,000 monthly SIP in JM Dynamic Bond Fund (Regular) - Bonus Option - Principal Units over the last 5 years — total invested ₹600,000 — would be worth ₹703,115 today. That's an XIRR (money-weighted annualised return) of 6.27%.

A ₹10,000 monthly SIP for 10 years in JM Dynamic Bond Fund (Regular) - Bonus Option - Principal Units = ₹1,200,000 invested. It would currently be worth ₹1,656,502 (multiplier 1.38×). XIRR: 6.27%. 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 (Regular) - Bonus Option - Principal Units ranks #9 out of 37 funds in the Dynamic Bond Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 3.23%; this fund delivered 5.83%.

The worst peak-to-trough decline JM Dynamic Bond Fund (Regular) - Bonus Option - Principal Units has experienced over the last 5-year window is 3.04% — its NAV fell from a high on 06 Mar 2020 to a low on 24 Mar 2020. 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 (Regular) - Bonus Option - Principal Units averaged 6.71% (best 8.41%, worst 5.27%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.50 — negative risk-adjusted performance.

In calendar year 2024, JM Dynamic Bond Fund (Regular) - Bonus Option - Principal Units returned 8.13% — beating the Dynamic Bond Fund category average of 4.07% by 4.07 pp. It ranked #13 of 43 in its category that year.

JM Dynamic Bond Fund (Regular) - Bonus Option - Principal Units 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 (Regular) - Bonus Option - Principal Units 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: 3.0%. 5-year CAGR: 5.83%.

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

JM Dynamic Bond Fund (Regular) - Bonus Option - Principal Units

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Dynamic Bond Fund

Recent NAVs

Frequently asked questions

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