Should I invest in JM Flexicap Fund (Direct)?

We don't give personal investment advice. JM Flexicap Fund (Direct) - IDCW 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) - IDCW

Latest NAV

₹102.7220

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%	-0.75%	+1.00	26 / 105	Q1
1W	+0.23%	-1.14%	+1.37	30 / 104	Q2
2W	0.00%	-1.11%	+1.11	60 / 104	Q3
1M	+2.29%	-0.05%	+2.34	28 / 104	Q2
3M	+5.95%	+3.22%	+2.73	31 / 103	Q2
6M	+3.67%	+4.88%	-1.21	49 / 100	Q2
YTD	+2.31%	+0.89%	+1.42	38 / 98	Q2
1Y	+0.58%	+10.06%	-9.47	60 / 88	Q3
2Y	-2.62%	+5.19%	-7.82	65 / 82	Q4
3Y	+16.83%	+9.89%	+6.94	13 / 73	Q1
4Y	+20.18%	+10.57%	+9.61	3 / 43	Q1
5Y	+17.99%	+9.11%	+8.88	1 / 36	Q1
7Y	+19.00%	+12.20%	+6.80	2 / 27	Q1
10Y	+17.08%	+8.87%	+8.21	2 / 17	Q1
Inception	+16.55%	+8.47%	+8.07	11 / 105	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%	-1.68%	+3.99	15 / 46
2025	-6.18%	+1.97%	-8.15	40 / 43
2024	+34.72%	+18.83%	+15.88	3 / 42
2023	+41.67%	+26.32%	+15.35	1 / 36
2022	+8.69%	-2.27%	+10.96	4 / 36
2021	+33.28%	+23.11%	+10.17	13 / 50
2020	+12.12%	+11.58%	+0.55	22 / 56
2019	+17.10%	+5.80%	+11.31	2 / 68
2018	-3.88%	-11.53%	+7.66	6 / 33
2017	+38.18%	+29.49%	+8.69	7 / 30
2016	+10.26%	-0.10%	+10.35	2 / 30

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

+20.85%

153 windows

min -16.6% · max 76.4%

78% positive

3-Year rolling

+18.89%

129 windows

min -1.9% · max 34.2%

99% positive

5-Year rolling

+17.89%

105 windows

min 4.2% · max 30.7%

100% positive

7-Year rolling

+17.07%

80 windows

min 10.7% · 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 - IDCW Option - Direct Plan	HDFC	₹90.9250	17 Jul 2026
Nippon India Flexi Cap Fund - Direct Plan - IDCW Option	Nippon India	₹17.9459	17 Jul 2026
SBI Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹60.6918	17 Jul 2026
ICICI Prudential Flexicap Fund - Direct Plan - IDCW	ICICI Prudential	₹17.8600	17 Jul 2026
Invesco India Flexi Cap Fund - Direct Plan - IDCW	Invesco	₹18.4500	17 Jul 2026
BANDHAN Flexi Cap Fund-Direct Plan-IDCW	Bandhan	₹51.9180	17 Jul 2026
quant Flexi Cap Fund - IDCW Option - Direct Plan	Quant	₹83.0629	17 Jul 2026
Aditya Birla Sun Life Flexi Cap Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹235.7300	17 Jul 2026
Motilal Oswal Flexi Cap Fund Direct - IDCW Payout/Reinvestment	Motilal Oswal	₹33.4858	17 Jul 2026
Franklin India Flexi Cap Fund - Direct - IDCW	Franklin India	₹69.9344	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹102.7220
16 Jul 2026	₹102.4632
15 Jul 2026	₹102.5757
14 Jul 2026	₹102.1033
13 Jul 2026	₹102.9074
10 Jul 2026	₹102.4852
9 Jul 2026	₹101.3653
8 Jul 2026	₹100.5457
7 Jul 2026	₹102.4893
6 Jul 2026	₹103.0246

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) - IDCW is ₹102.7220. It's a Flexi Cap Fund from the fund house, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

JM Flexicap Fund (Direct) - IDCW 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) - IDCW 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) - IDCW has delivered a absolute return of 0.58% — -9.47 pp behind the Flexi Cap Fund category average of 10.06%. The fund ranks #60 of 88 in its category — the third (Q3) quartile.

Over the trailing 3-year window, JM Flexicap Fund (Direct) - IDCW has delivered a CAGR of 16.83% — +6.94 pp ahead of the Flexi Cap Fund category average of 9.89%. The fund ranks #13 of 73 in its category — the top (Q1) quartile.

Over the trailing 5-year window, JM Flexicap Fund (Direct) - IDCW has delivered a CAGR of 17.99% — +8.88 pp ahead of the Flexi Cap Fund category average of 9.11%. The fund ranks #1 of 36 in its category — the top (Q1) quartile.

₹1 lakh invested in JM Flexicap Fund (Direct) - IDCW exactly 10 years ago would be worth approximately ₹483,876 today — a multiplier of 4.84×, based on the 10-year CAGR of 17.08%. The category average over the same window would have grown ₹1 lakh to ₹233,919.

A ₹10,000 monthly SIP in JM Flexicap Fund (Direct) - IDCW 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) - IDCW = ₹1,200,000 invested. It would currently be worth ₹2,969,081 (multiplier 2.47×). XIRR: 17.25%. 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) - IDCW ranks #1 out of 36 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 9.11%; this fund delivered 17.99%.

The worst peak-to-trough decline JM Flexicap Fund (Direct) - IDCW 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) - IDCW averaged 17.89% (best 30.69%, worst 4.18%). 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) - IDCW returned -6.18% — lagging the Flexi Cap Fund category average of 1.97% by 8.15 pp. It ranked #40 of 43 in its category that year.

JM Flexicap Fund (Direct) - IDCW 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) - IDCW 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.