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: 17.01%.

JM Flexicap Fund (Direct) - IDCW

Latest NAV

₹97.3471

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%	-0.75%	+0.52	98 / 105	Q4
1W	-1.81%	-1.81%	0.00	81 / 104	Q4
2W	-0.50%	-1.11%	+0.61	75 / 104	Q3
1M	-0.42%	-1.16%	+0.74	53 / 104	Q3
3M	+2.67%	+1.00%	+1.67	40 / 103	Q2
6M	-3.93%	+1.92%	-5.85	62 / 100	Q3
YTD	-3.04%	-1.23%	-1.81	57 / 98	Q3
1Y	-1.51%	+9.43%	-10.94	62 / 88	Q3
2Y	-1.10%	+5.85%	-6.95	60 / 82	Q3
3Y	+17.46%	+10.05%	+7.40	10 / 71	Q1
4Y	+19.21%	+9.63%	+9.59	3 / 39	Q1
5Y	+17.01%	+8.82%	+8.19	2 / 34	Q1
7Y	+17.87%	+10.71%	+7.17	2 / 27	Q1
10Y	+17.17%	+8.89%	+8.27	2 / 17	Q1
Inception	+16.24%	+8.04%	+8.20	10 / 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	-3.04%	-6.20%	+3.16	14 / 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

+20.74%

152 windows

min -20.5% · max 80.6%

79% positive

3-Year rolling

+18.42%

128 windows

min -2.7% · max 33.7%

98% positive

5-Year rolling

+17.67%

103 windows

min 2.8% · max 29.4%

100% positive

7-Year rolling

+16.94%

79 windows

min 11.3% · 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 - IDCW Option - Direct Plan	HDFC	₹85.5390	3 Jun 2026
Nippon India Flexi Cap Fund - Direct Plan - IDCW Option	Nippon India	₹17.0211	3 Jun 2026
SBI Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹58.6919	2 Jun 2026
ICICI Prudential Flexicap Fund - Direct Plan - IDCW	ICICI Prudential	₹16.7500	3 Jun 2026
Invesco India Flexi Cap Fund - Direct Plan - IDCW	Invesco	₹17.0200	3 Jun 2026
BANDHAN Flexi Cap Fund-Direct Plan-IDCW	Bandhan	₹49.6510	3 Jun 2026
quant Flexi Cap Fund - IDCW Option - Direct Plan	Quant	₹80.8500	3 Jun 2026
Aditya Birla Sun Life Flexi Cap Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹224.7300	3 Jun 2026
Motilal Oswal Flexi Cap Fund Direct - IDCW Payout/Reinvestment	Motilal Oswal	₹31.2807	3 Jun 2026
Franklin India Flexi Cap Fund - Direct - IDCW	Franklin India	₹66.6106	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹97.3471
2 Jun 2026	₹97.5727
1 Jun 2026	₹97.1507
29 May 2026	₹98.1184
27 May 2026	₹99.1436
26 May 2026	₹98.9611
25 May 2026	₹99.0729
22 May 2026	₹97.8647
21 May 2026	₹97.9911
20 May 2026	₹97.8392

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) - IDCW is ₹97.3471. 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 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) - 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 -1.51% — -10.94 pp behind the Flexi Cap Fund category average of 9.43%. The fund ranks #62 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 17.46% — +7.4 pp ahead of the Flexi Cap Fund category average of 10.05%. The fund ranks #10 of 71 in its category — the top (Q1) quartile.

Over the trailing 5-year window, JM Flexicap Fund (Direct) - IDCW has delivered a CAGR of 17.01% — +8.19 pp ahead of the Flexi Cap Fund category average of 8.82%. The fund ranks #2 of 34 in its category — the top (Q1) quartile.

₹1 lakh invested in JM Flexicap Fund (Direct) - IDCW exactly 10 years ago would be worth approximately ₹487,667 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 ₹234,455.

A ₹10,000 monthly SIP in JM Flexicap Fund (Direct) - IDCW 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) - IDCW = ₹1,200,000 invested. It would currently be worth ₹2,868,226 (multiplier 2.39×). XIRR: 16.60%. 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 #2 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 8.82%; this fund delivered 17.01%.

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 17.67% (best 29.40%, worst 2.76%). 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) - 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: 17.01%.

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