Should I invest in JM Flexicap Fund (Direct)?

We don't give personal investment advice. JM Flexicap Fund (Direct) - Growth Option 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: 22.6%. 5-year CAGR: 17.01%.

JM Flexicap Fund (Direct) - Growth Option

Latest NAV

₹107.0983

As of

3 Jun 2026

3,300 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	-0.23%	+0.11%	-0.34	98 / 104	Q4
1W	-1.81%	-0.67%	-1.14	83 / 103	Q4
2W	-0.50%	+0.04%	-0.54	80 / 102	Q4
1M	-0.42%	+0.32%	-0.74	54 / 101	Q3
3M	+2.67%	+3.68%	-1.00	42 / 100	Q2
6M	-3.93%	+6.18%	-10.11	70 / 99	Q3
YTD	-3.04%	+2.47%	-5.51	66 / 99	Q3
1Y	-1.51%	+17.47%	-18.98	77 / 89	Q4
2Y	-1.10%	+10.45%	-11.55	81 / 84	Q4
3Y	+17.46%	+13.44%	+4.01	16 / 74	Q1
4Y	+19.21%	+14.31%	+4.90	5 / 38	Q1
5Y	+17.01%	+14.05%	+2.96	8 / 32	Q1
7Y	+17.87%	+14.35%	+3.52	3 / 23	Q1
10Y	+17.28%	+14.35%	+2.93	3 / 18	Q1
Inception	+16.44%	+11.11%	+5.33	16 / 104	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	-3.04%	-4.10%	+1.05	16 / 44
2025	-6.18%	+3.69%	-9.87	38 / 39
2024	+34.72%	+20.93%	+13.79	3 / 40
2023	+41.67%	+29.96%	+11.70	1 / 34
2022	+8.69%	+1.56%	+7.13	4 / 34
2021	+33.28%	+25.89%	+7.40	19 / 52
2020	+12.12%	+15.92%	-3.79	34 / 58
2019	+17.10%	+7.18%	+9.93	3 / 69
2018	-3.88%	-5.07%	+1.20	15 / 34
2017	+38.53%	+36.55%	+1.98	12 / 31
2016	+11.68%	+3.36%	+8.32	2 / 31

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

+20.95%

152 windows

min -20.5% · max 80.6%

79% positive

3-Year rolling

+18.68%

128 windows

min -2.7% · max 33.7%

98% positive

5-Year rolling

+17.88%

103 windows

min 3.3% · max 29.4%

100% positive

7-Year rolling

+17.13%

79 windows

min 11.7% · max 21.2%

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

15.90%

3-year · annualised

Sharpe ratio

0.70

vs risk-free 6.5%

Sortino ratio

1.17

Downside-only deviation

Max drawdown

-22.58%

Sep 2024 → Mar 2026

% positive months

63.9%

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 Flexi Cap Fund

Scheme	Fund house	NAV	As of
HDFC Flexi Cap Fund - Growth Option - Direct Plan	HDFC	₹2,115.5350	3 Jun 2026
Nippon India Flexi Cap Fund - Direct Plan - Growth Plan - Growth Option	Nippon India	₹17.0211	3 Jun 2026
SBI Flexicap Fund - DIRECT PLAN - Growth Option	SBI	₹117.4238	2 Jun 2026
ICICI Prudential Flexicap Fund - Direct Plan - Growth	ICICI Prudential	₹19.8000	3 Jun 2026
Invesco India Flexi Cap Fund - Direct Plan - Growth	Invesco	₹19.0200	3 Jun 2026
BANDHAN Flexi Cap Fund-Direct Plan-Growth	Bandhan	₹222.6510	3 Jun 2026
quant Flexi Cap Fund - Growth Option-Direct Plan	Quant	₹118.9418	3 Jun 2026
Aditya Birla Sun Life Flexi Cap Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹2,064.0200	3 Jun 2026
Motilal Oswal Flexi cap Fund Direct Plan-Growth Option	Motilal Oswal	₹63.2311	3 Jun 2026
Franklin India Flexi Cap Fund - Direct - Growth	Franklin India	₹1,722.7007	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹107.0983
2 Jun 2026	₹107.3466
1 Jun 2026	₹106.8822
29 May 2026	₹107.9469
27 May 2026	₹109.0748
26 May 2026	₹108.8740
25 May 2026	₹108.9970
22 May 2026	₹107.6678
21 May 2026	₹107.8068
20 May 2026	₹107.6398

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 Flexicap Fund (Direct) - Growth Option is ₹107.0983. It's a Flexi Cap Fund from the fund house, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

JM Flexicap Fund (Direct) - Growth Option has NAV history starting from 02 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 Flexicap Fund (Direct) - Growth Option is managed by the fund house. It's classified by AMFI under the 'Flexi Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, JM Flexicap Fund (Direct) - Growth Option has delivered a absolute return of -1.51% — -18.98 pp behind the Flexi Cap Fund category average of 17.47%. The fund ranks #77 of 89 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, JM Flexicap Fund (Direct) - Growth Option has delivered a CAGR of 17.46% — +4.01 pp ahead of the Flexi Cap Fund category average of 13.44%. The fund ranks #16 of 74 in its category — the top (Q1) quartile.

Over the trailing 5-year window, JM Flexicap Fund (Direct) - Growth Option has delivered a CAGR of 17.01% — +2.96 pp ahead of the Flexi Cap Fund category average of 14.05%. The fund ranks #8 of 32 in its category — the top (Q1) quartile.

₹1 lakh invested in JM Flexicap Fund (Direct) - Growth Option exactly 10 years ago would be worth approximately ₹492,143 today — a multiplier of 4.92×, based on the 10-year CAGR of 17.28%. The category average over the same window would have grown ₹1 lakh to ₹382,239.

A ₹10,000 monthly SIP in JM Flexicap Fund (Direct) - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹845,489 today. That's an XIRR (money-weighted annualised return) of 13.68%.

A ₹10,000 monthly SIP for 10 years in JM Flexicap Fund (Direct) - Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,870,382 (multiplier 2.39×). XIRR: 16.62%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, JM Flexicap Fund (Direct) - Growth Option ranks #8 out of 32 funds in the Flexi Cap Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 14.05%; this fund delivered 17.01%.

The worst peak-to-trough decline JM Flexicap Fund (Direct) - Growth Option has experienced over the last 5-year window is 22.58% — its NAV fell from a high on 27 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 Flexicap Fund (Direct) - Growth Option averaged 17.88% (best 29.40%, worst 3.25%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.68 — reasonable risk-adjusted performance.

In calendar year 2025, JM Flexicap Fund (Direct) - Growth Option returned -6.18% — lagging the Flexi Cap Fund category average of 3.69% by 9.87 pp. It ranked #38 of 39 in its category that year.

JM Flexicap Fund (Direct) - Growth Option 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 Flexicap Fund (Direct) - Growth Option 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: 22.6%. 5-year CAGR: 17.01%.

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