Should I invest in JM Flexicap Fund (Regular)?

We don't give personal investment advice. JM Flexicap Fund (Regular) - 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: 24.0%. 5-year CAGR: 15.88%.

JM Financial

JM Flexicap Fund (Regular) - IDCW

Latest NAV

₹73.9498

As of

24 Jul 2026

4,382 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	-0.03%	-0.03%	+0.00	50 / 75	Q3
1W	-2.19%	-0.56%	-1.63	70 / 74	Q4
2W	-1.99%	-0.70%	-1.29	58 / 73	Q4
1M	-1.37%	+0.17%	-1.53	55 / 72	Q4
3M	+4.23%	+4.82%	-0.59	31 / 71	Q2
6M	+4.40%	+8.69%	-4.29	38 / 71	Q3
YTD	-0.58%	+3.32%	-3.91	46 / 71	Q3
1Y	-1.94%	+14.62%	-16.56	50 / 65	Q4
2Y	-4.48%	+7.82%	-12.30	56 / 61	Q4
3Y	+14.37%	+10.87%	+3.50	16 / 55	Q2
4Y	+17.24%	+10.98%	+6.26	4 / 35	Q1
5Y	+15.88%	+10.36%	+5.52	4 / 33	Q1
7Y	+17.40%	+12.57%	+4.83	3 / 28	Q1
10Y	+13.27%	+10.08%	+3.18	7 / 28	Q1
Inception	+11.93%	+9.02%	+2.91	26 / 75	Q2

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	-0.58%	-2.59%	+2.00	12 / 27
2025	-7.36%	+2.13%	-9.49	25 / 27
2024	+32.73%	+17.60%	+15.13	1 / 27
2023	+40.10%	+25.30%	+14.80	1 / 27
2022	+7.84%	+0.84%	+7.01	6 / 32
2021	+32.25%	+25.14%	+7.11	14 / 46
2020	+11.25%	+13.07%	-1.82	26 / 50
2019	-3.73%	+4.14%	-7.87	55 / 61
2018	-4.62%	-7.56%	+2.94	13 / 36
2017	+37.10%	+31.98%	+5.12	11 / 36
2016	+9.56%	+1.09%	+8.48	3 / 38

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

+15.72%

206 windows

min -32.9% · max 128.7%

67% positive

3-Year rolling

+13.19%

181 windows

min -10.8% · max 32.1%

83% positive

5-Year rolling

+13.26%

157 windows

min 0.0% · max 29.2%

99% positive

7-Year rolling

+12.32%

133 windows

min 5.2% · max 17.4%

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

15.16%

3-year · annualised

Sharpe ratio

0.54

vs risk-free 6.5%

Sortino ratio

0.87

Downside-only deviation

Max drawdown

-24.04%

Sep 2024 → Mar 2026

% positive months

69.4%

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 Plan	HDFC	₹2,006.6760	24 Jul 2026
SBI Flexicap Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹47.3403	24 Jul 2026
ICICI Prudential Flexicap Fund - Growth	ICICI Prudential	₹19.8000	24 Jul 2026
Franklin India Flexi Cap Fund - Growth	Franklin Templeton	₹1,575.2811	24 Jul 2026
Kotak Flexicap Fund - Growth	Kotak	₹84.0580	24 Jul 2026
HSBC Flexi Cap Fund - Regular Growth	HSBC	₹222.4477	24 Jul 2026
CANARA ROBECO FLEXICAP FUND - REGULAR PLAN - GROWTH OPTION	Canara Robeco	₹335.9000	24 Jul 2026
UTI - Flexi Cap Fund-Growth Option	UTI	₹314.2875	24 Jul 2026
Aditya Birla Sun Life Flexi Cap Fund - Growth - Regular Plan	Birla Sun Life	₹1,905.1400	24 Jul 2026
BANDHAN Flexi Cap Fund - Regular Plan - Growth	IDFC	₹207.8380	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹73.9498
23 Jul 2026	₹73.9726
22 Jul 2026	₹74.4989
21 Jul 2026	₹75.4332
20 Jul 2026	₹75.5381
17 Jul 2026	₹75.6064
16 Jul 2026	₹75.4184
15 Jul 2026	₹75.5038
14 Jul 2026	₹75.1586
13 Jul 2026	₹75.7530

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 24 Jul 2026, the NAV of JM Flexicap Fund (Regular) - IDCW is ₹73.9498. It's a Flexi Cap Fund from JM Financial, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

JM Flexicap Fund (Regular) - IDCW has NAV history starting from 25 Sep 2008, a track record of about 17 years 10 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 Flexicap Fund (Regular) - IDCW is managed by JM Financial. 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 (Regular) - IDCW has delivered a absolute return of -1.94% — -16.56 pp behind the Flexi Cap Fund category average of 14.62%. The fund ranks #50 of 65 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, JM Flexicap Fund (Regular) - IDCW has delivered a CAGR of 14.37% — +3.5 pp ahead of the Flexi Cap Fund category average of 10.87%. The fund ranks #16 of 55 in its category — the second (Q2) quartile.

Over the trailing 5-year window, JM Flexicap Fund (Regular) - IDCW has delivered a CAGR of 15.88% — +5.52 pp ahead of the Flexi Cap Fund category average of 10.36%. The fund ranks #4 of 33 in its category — the top (Q1) quartile.

₹1 lakh invested in JM Flexicap Fund (Regular) - IDCW exactly 10 years ago would be worth approximately ₹347,505 today — a multiplier of 3.48×, based on the 10-year CAGR of 13.27%. The category average over the same window would have grown ₹1 lakh to ₹261,333.

A ₹10,000 monthly SIP in JM Flexicap Fund (Regular) - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹829,211 today. That's an XIRR (money-weighted annualised return) of 12.90%.

A ₹10,000 monthly SIP for 10 years in JM Flexicap Fund (Regular) - IDCW = ₹1,200,000 invested. It would currently be worth ₹2,521,705 (multiplier 2.10×). XIRR: 14.21%. 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 (Regular) - IDCW ranks #4 out of 33 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 10.36%; this fund delivered 15.88%.

The worst peak-to-trough decline JM Flexicap Fund (Regular) - IDCW has experienced over the last 5-year window is 24.04% — 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 (Regular) - IDCW averaged 13.26% (best 29.23%, worst -0.01%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.64 — reasonable risk-adjusted performance.

In calendar year 2025, JM Flexicap Fund (Regular) - IDCW returned -7.36% — lagging the Flexi Cap Fund category average of 2.13% by 9.49 pp. It ranked #25 of 27 in its category that year.

JM Flexicap Fund (Regular) - 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 (Regular) - 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: 24.0%. 5-year CAGR: 15.88%.

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