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: 17.99%.

JM Flexicap Fund (Direct) - Growth Option

Latest NAV

₹113.0117

As of

17 Jul 2026

3,331 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	+0.25%	+0.10%	+0.15	25 / 104	Q1
1W	+0.23%	-0.02%	+0.25	28 / 103	Q2
2W	0.00%	+0.10%	-0.10	67 / 102	Q3
1M	+2.29%	+1.52%	+0.77	35 / 101	Q2
3M	+5.95%	+5.34%	+0.61	35 / 100	Q2
6M	+3.67%	+9.00%	-5.33	56 / 99	Q3
YTD	+2.31%	+4.61%	-2.30	43 / 99	Q2
1Y	+0.58%	+18.02%	-17.44	77 / 90	Q4
2Y	-2.62%	+9.96%	-12.59	81 / 84	Q4
3Y	+16.83%	+13.26%	+3.57	18 / 76	Q1
4Y	+20.18%	+15.27%	+4.91	7 / 41	Q1
5Y	+17.99%	+14.07%	+3.92	6 / 34	Q1
7Y	+19.00%	+15.95%	+3.05	3 / 23	Q1
10Y	+17.17%	+14.34%	+2.82	3 / 18	Q1
Inception	+16.75%	+11.59%	+5.15	19 / 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	+2.31%	+0.72%	+1.59	13 / 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

+21.06%

153 windows

min -16.6% · max 76.3%

79% positive

3-Year rolling

+19.14%

129 windows

min -1.9% · max 34.2%

99% positive

5-Year rolling

+18.10%

105 windows

min 4.7% · max 30.7%

100% positive

7-Year rolling

+17.26%

80 windows

min 11.1% · max 21.5%

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

15.78%

3-year · annualised

Sharpe ratio

0.66

vs risk-free 6.5%

Sortino ratio

1.14

Downside-only deviation

Max drawdown

-22.58%

Sep 2024 → Mar 2026

% positive months

61.1%

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	₹2,248.7410	17 Jul 2026
Nippon India Flexi Cap Fund - Direct Plan - Growth Plan - Growth Option	Nippon India	₹17.9459	17 Jul 2026
SBI Flexicap Fund - DIRECT PLAN - Growth Option	SBI	₹121.4251	17 Jul 2026
ICICI Prudential Flexicap Fund - Direct Plan - Growth	ICICI Prudential	₹21.1200	17 Jul 2026
Invesco India Flexi Cap Fund - Direct Plan - Growth	Invesco	₹20.6200	17 Jul 2026
BANDHAN Flexi Cap Fund-Direct Plan-Growth	Bandhan	₹232.8250	17 Jul 2026
quant Flexi Cap Fund - Growth Option-Direct Plan	Quant	₹122.1976	17 Jul 2026
Aditya Birla Sun Life Flexi Cap Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹2,165.0600	17 Jul 2026
Motilal Oswal Flexi cap Fund Direct Plan-Growth Option	Motilal Oswal	₹67.6885	17 Jul 2026
Franklin India Flexi Cap Fund - Direct - Growth	Franklin India	₹1,808.6718	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹113.0117
16 Jul 2026	₹112.7269
15 Jul 2026	₹112.8507
14 Jul 2026	₹112.3310
13 Jul 2026	₹113.2156
10 Jul 2026	₹112.7512
9 Jul 2026	₹111.5191
8 Jul 2026	₹110.6174
7 Jul 2026	₹112.7556
6 Jul 2026	₹113.3446

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 17 Jul 2026, the NAV of JM Flexicap Fund (Direct) - Growth Option is ₹113.0117. 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 6 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 0.58% — -17.44 pp behind the Flexi Cap Fund category average of 18.02%. The fund ranks #77 of 90 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, JM Flexicap Fund (Direct) - Growth Option has delivered a CAGR of 16.83% — +3.57 pp ahead of the Flexi Cap Fund category average of 13.26%. The fund ranks #18 of 76 in its category — the top (Q1) quartile.

Over the trailing 5-year window, JM Flexicap Fund (Direct) - Growth Option has delivered a CAGR of 17.99% — +3.92 pp ahead of the Flexi Cap Fund category average of 14.07%. The fund ranks #6 of 34 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 ₹487,592 today — a multiplier of 4.88×, based on the 10-year CAGR of 17.17%. The category average over the same window would have grown ₹1 lakh to ₹382,055.

A ₹10,000 monthly SIP in JM Flexicap Fund (Direct) - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹874,243 today. That's an XIRR (money-weighted annualised return) of 15.04%.

A ₹10,000 monthly SIP for 10 years in JM Flexicap Fund (Direct) - Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,970,703 (multiplier 2.48×). XIRR: 17.26%. 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 #6 out of 34 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 14.07%; this fund delivered 17.99%.

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 18.10% (best 30.69%, worst 4.67%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.69 — 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: 17.99%.

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