Should I invest in JM Dynamic Bond Fund (Regular)?

We don't give personal investment advice. JM Dynamic Bond Fund (Regular) - 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: 1.3%. 5-year CAGR: 5.67%.

JM Financial

JM Dynamic Bond Fund (Regular) - IDCW

Latest NAV

₹43.3188

As of

24 Jul 2026

4,905 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	+0.01%	+0.02%	-0.01	34 / 44	Q4
1W	-0.02%	-0.07%	+0.05	12 / 44	Q2
2W	-0.10%	-0.21%	+0.11	15 / 44	Q2
1M	+0.34%	+0.06%	+0.28	14 / 44	Q2
3M	+1.59%	+1.48%	+0.11	21 / 44	Q2
6M	+2.14%	+1.75%	+0.39	20 / 44	Q2
YTD	+1.77%	+1.34%	+0.43	18 / 44	Q2
1Y	+2.86%	+1.82%	+1.04	15 / 44	Q2
2Y	+6.09%	+2.91%	+3.17	12 / 44	Q2
3Y	+6.40%	+3.05%	+3.35	10 / 44	Q1
4Y	+6.34%	+3.32%	+3.02	10 / 42	Q1
5Y	+5.67%	+3.45%	+2.22	12 / 37	Q2
7Y	+5.64%	+2.97%	+2.67	10 / 33	Q2
10Y	+6.18%	+3.47%	+2.71	8 / 25	Q2
Inception	+6.81%	+2.67%	+4.15	6 / 44	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
2026 YTD	+1.77%	+1.29%	+0.47	17 / 41
2025	+7.10%	+2.27%	+4.83	5 / 43
2024	+8.12%	+4.07%	+4.06	14 / 43
2023	+6.19%	+2.84%	+3.35	8 / 43
2022	+3.83%	+1.74%	+2.09	8 / 36
2021	+2.66%	+1.29%	+1.36	9 / 32
2020	+7.76%	+2.67%	+5.10	8 / 33
2019	+6.15%	+2.75%	+3.40	11 / 33
2018	+7.38%	+3.81%	+3.57	4 / 27
2017	+7.50%	+1.05%	+6.45	4 / 25
2016	+8.27%	+6.59%	+1.68	11 / 24

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%

236 windows

min 0.9% · max 11.3%

100% positive

3-Year rolling

+6.93%

211 windows

min 4.1% · max 8.9%

100% positive

5-Year rolling

+6.99%

187 windows

min 5.3% · max 8.5%

100% positive

7-Year rolling

+7.14%

163 windows

min 5.6% · max 8.3%

100% 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

2.23%

3-year · annualised

Sharpe ratio

-0.13

vs risk-free 6.5%

Sortino ratio

-0.43

Downside-only deviation

Max drawdown

-1.28%

May 2025 → Aug 2025

% positive months

83.3%

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 All Seasons Bond Fund - Weekly IDCW	ICICI Prudential	₹10.9213	24 Jul 2026
BANDHAN Dynamic Bond Fund - Regular Plan B - Annual IDCW	Bandhan	₹11.5376	24 Jul 2026
Quantum Dynamic Term Fund - Regular Plan Monthly IDCW	Quantum	₹10.4605	24 Jul 2026
Aditya Birla Sun Life Dynamic Bond Fund -Regular - IDCW	Aditya Birla Sun Life	₹12.1436	24 Jul 2026
Mirae Asset Dynamic Bond Fund Regular IDCW	Mirae Asset	₹17.0187	24 Jul 2026
Kotak Dynamic Bond Fund Regular Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹14.8560	24 Jul 2026
HSBC Dynamic Bond Fund - Regular Annual IDCW	HSBC	₹10.2555	24 Jul 2026
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Daily IDCW Option	Baroda BNP Paribas	₹10.0747	24 Jul 2026
UTI Dynamic Bond Fund - Regular Plan - Annual IDCW	UTI	₹13.8880	24 Jul 2026
Axis Dynamic Bond Fund - Regular Plan - Half Yearly IDCW	Axis	₹11.9613	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹43.3188
23 Jul 2026	₹43.3126
22 Jul 2026	₹43.3348
21 Jul 2026	₹43.3468
20 Jul 2026	₹43.3238
17 Jul 2026	₹43.3276
16 Jul 2026	₹43.3320
15 Jul 2026	₹43.2962
14 Jul 2026	₹43.2574
13 Jul 2026	₹43.3675

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 24 Jul 2026, the NAV of JM Dynamic Bond Fund (Regular) - IDCW is ₹43.3188. It's a Dynamic Bond Fund from JM Financial, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

JM Dynamic Bond Fund (Regular) - IDCW has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 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 Dynamic Bond Fund (Regular) - IDCW is managed by JM Financial. 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) - IDCW has delivered a absolute return of 2.86% — +1.04 pp ahead of the Dynamic Bond Fund category average of 1.82%. The fund ranks #15 of 44 in its category — the second (Q2) quartile.

Over the trailing 3-year window, JM Dynamic Bond Fund (Regular) - IDCW has delivered a CAGR of 6.40% — +3.35 pp ahead of the Dynamic Bond Fund category average of 3.05%. The fund ranks #10 of 44 in its category — the top (Q1) quartile.

Over the trailing 5-year window, JM Dynamic Bond Fund (Regular) - IDCW has delivered a CAGR of 5.67% — +2.22 pp ahead of the Dynamic Bond Fund category average of 3.45%. The fund ranks #12 of 37 in its category — the second (Q2) quartile.

₹1 lakh invested in JM Dynamic Bond Fund (Regular) - IDCW exactly 10 years ago would be worth approximately ₹182,158 today — a multiplier of 1.82×, based on the 10-year CAGR of 6.18%. The category average over the same window would have grown ₹1 lakh to ₹140,717.

A ₹10,000 monthly SIP in JM Dynamic Bond Fund (Regular) - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹698,054 today. That's an XIRR (money-weighted annualised return) of 5.99%.

A ₹10,000 monthly SIP for 10 years in JM Dynamic Bond Fund (Regular) - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,621,780 (multiplier 1.35×). XIRR: 5.87%. 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) - IDCW ranks #12 out of 37 funds in the Dynamic Bond Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 3.45%; this fund delivered 5.67%.

The worst peak-to-trough decline JM Dynamic Bond Fund (Regular) - IDCW has experienced over the last 5-year window is 1.28% — its NAV fell from a high on 28 May 2025 to a low on 26 Aug 2025. 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) - IDCW averaged 6.99% (best 8.49%, worst 5.26%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.51 — negative risk-adjusted performance.

In calendar year 2025, JM Dynamic Bond Fund (Regular) - IDCW returned 7.10% — beating the Dynamic Bond Fund category average of 2.27% by 4.83 pp. It ranked #5 of 43 in its category that year.

JM Dynamic Bond Fund (Regular) - 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 (Regular) - 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: 1.3%. 5-year CAGR: 5.67%.

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

JM Dynamic Bond Fund (Regular) - IDCW

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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