Should I invest in JM Financial Services Sector Fund?

We don't give personal investment advice. JM Financial Services Sector Fund - Dividend Plan is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding.

JM Financial

JM Financial Services Sector Fund - Dividend Plan

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	-0.64%	+0.06%	-0.70	255 / 299	Q4
1W	+1.98%	-3.61%	+5.59	45 / 303	Q1
2W	+6.97%	-4.52%	+11.49	15 / 303	Q1
1M	+4.35%	-5.64%	+9.98	62 / 302	Q1
3M	-7.44%	-4.27%	-3.17	215 / 302	Q3
6M	-14.47%	+1.48%	-15.95	250 / 307	Q4
YTD	-7.44%	-0.18%	-7.26	202 / 309	Q3
1Y	+10.90%	+7.10%	+3.80	129 / 307	Q2
2Y	+30.14%	+2.20%	+27.94	16 / 303	Q1
3Y	-7.52%	+0.76%	-8.28	211 / 264	Q4
4Y	+3.38%	+0.58%	+2.79	129 / 235	Q3
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+1.19%	+0.51%	+0.68	215 / 310	Q3

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
2011 YTD	-7.44%	-23.68%	+16.24	11 / 241
2010	+21.89%	+11.69%	+10.21	40 / 256
2009	+5.19%	+65.86%	-60.67	223 / 238
2008	-58.18%	-52.86%	-5.32	119 / 198
2007	+93.75%	+42.91%	+50.83	3 / 137
2006	—	—	—	—

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

+4.34%

41 windows

min -60.8% · max 88.8%

59% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

-8.40%

16 windows

min -19.0% · max 0.9%

13% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

45.90%

3-year · annualised

Sharpe ratio

-0.09

vs risk-free 6.5%

Sortino ratio

-0.13

Downside-only deviation

Max drawdown

-64.56%

May 2008 → Mar 2009

% positive months

52.8%

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.

Recent NAVs

Date	NAV
1 Apr 2011	₹10.0272
31 Mar 2011	₹10.0919
30 Mar 2011	₹10.1108
29 Mar 2011	₹9.9647
28 Mar 2011	₹9.9075
25 Mar 2011	₹9.8322
24 Mar 2011	₹9.5891
23 Mar 2011	₹9.5171
22 Mar 2011	₹9.4282
21 Mar 2011	₹9.3636

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.

JM Financial Services Sector Fund - Dividend Plan is a Growth from JM Financial (Unknown plan, Growth option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

JM Financial Services Sector Fund - Dividend Plan has NAV history starting from 14 Dec 2006, a track record of about 19 years 5 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 Financial Services Sector Fund - Dividend Plan is managed by JM Financial. It's classified by AMFI under the 'Growth' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, JM Financial Services Sector Fund - Dividend Plan has delivered a absolute return of 10.90% — +3.8 pp ahead of the Growth category average of 7.10%. The fund ranks #129 of 307 in its category — the second (Q2) quartile.

Over the trailing 3-year window, JM Financial Services Sector Fund - Dividend Plan has delivered a CAGR of -7.52% — -8.28 pp behind the Growth category average of 0.76%. The fund ranks #211 of 264 in its category — the bottom (Q4) quartile.

JM Financial Services Sector Fund - Dividend Plan doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in JM Financial Services Sector Fund - Dividend Plan exactly 3 years ago would be worth approximately ₹79,096 today — a multiplier of 0.79×, based on the 3-year CAGR of -7.52%. The category average over the same window would have grown ₹1 lakh to ₹102,292.

A ₹10,000 monthly SIP in JM Financial Services Sector Fund - Dividend Plan over the last 3 years — total invested ₹360,000 — would be worth ₹397,463 today. That's an XIRR (money-weighted annualised return) of 6.53%.

JM Financial Services Sector Fund - Dividend Plan doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹397,463 — XIRR 6.53%.

On a 3-year basis, JM Financial Services Sector Fund - Dividend Plan ranks #211 out of 264 funds in the Growth category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 0.76%; this fund delivered -7.52%.

The worst peak-to-trough decline JM Financial Services Sector Fund - Dividend Plan has experienced over the last 3-year window is 64.56% — its NAV fell from a high on 05 May 2008 to a low on 09 Mar 2009. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, JM Financial Services Sector Fund - Dividend Plan averaged -8.40% (best 0.90%, worst -18.98%). 12% of rolling windows ended positive. The 3-year Sharpe ratio is -0.09 — negative risk-adjusted performance.

In calendar year 2010, JM Financial Services Sector Fund - Dividend Plan returned 21.89% — beating the Growth category average of 11.69% by 10.21 pp. It ranked #40 of 256 in its category that year.

JM Financial Services Sector Fund - Dividend Plan doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

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

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding.

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