Should I invest in JM Floater Fund - Long Term Plan?

We don't give personal investment advice. JM Floater Fund - Long Term Plan - Regular Plan - Growth Option is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.3%. 5-year CAGR: 5.70%.

JM Financial

JM Floater Fund - Long Term Plan - Regular Plan - Growth Option

Latest NAV

₹43.1921

As of

17 Jul 2026

4,900 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	-0.01%	-0.08%	+0.07	14 / 44	Q2
1W	-0.08%	-0.13%	+0.05	20 / 44	Q2
2W	-0.10%	-0.12%	+0.02	17 / 44	Q2
1M	+0.58%	+0.59%	-0.02	27 / 44	Q3
3M	+1.49%	+1.45%	+0.04	21 / 44	Q2
6M	+2.26%	+1.96%	+0.30	20 / 44	Q2
YTD	+1.79%	+1.47%	+0.32	21 / 44	Q2
1Y	+3.02%	+2.14%	+0.89	14 / 44	Q2
2Y	+6.21%	+3.06%	+3.14	13 / 44	Q2
3Y	+6.37%	+3.08%	+3.29	11 / 44	Q1
4Y	+6.38%	+3.39%	+2.99	11 / 42	Q2
5Y	+5.70%	+3.49%	+2.20	12 / 37	Q2
7Y	+5.66%	+2.92%	+2.73	11 / 33	Q2
10Y	+6.20%	+3.51%	+2.69	9 / 25	Q2
Inception	+6.82%	+2.69%	+4.14	5 / 44	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	+1.79%	+1.43%	+0.36	20 / 41
2025	+7.10%	+2.27%	+4.83	6 / 43
2024	+8.12%	+4.07%	+4.06	15 / 43
2023	+6.19%	+2.84%	+3.35	9 / 43
2022	+3.83%	+1.74%	+2.09	9 / 36
2021	+2.66%	+1.29%	+1.36	10 / 32
2020	+7.76%	+2.67%	+5.10	7 / 33
2019	+6.15%	+2.75%	+3.40	10 / 33
2018	+7.38%	+3.81%	+3.57	5 / 27
2017	+7.50%	+1.05%	+6.45	5 / 25
2016	+8.29%	+6.59%	+1.70	9 / 24

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

+6.92%

236 windows

min 1.2% · max 11.3%

100% positive

3-Year rolling

+6.92%

211 windows

min 4.1% · max 9.0%

100% positive

5-Year rolling

+6.99%

187 windows

min 5.3% · max 8.5%

100% positive

7-Year rolling

+7.14%

163 windows

min 5.5% · max 8.3%

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

2.14%

3-year · annualised

Sharpe ratio

-0.12

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-1.28%

May 2025 → Aug 2025

% positive months

77.8%

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 Dynamic Bond Fund

Scheme	Fund house	NAV	As of
ICICI Prudential Long Term Plan- Regular Dividend	ICICI Prudential	₹10.9272	17 Jul 2026
BANDHAN Dynamic Bond Fund - Regular Plan B - Annual IDCW	Bandhan	₹11.5799	17 Jul 2026
Quantum Dynamic Bond Fund - Regular Plan Monthly IDCW	Quantum	₹10.4821	17 Jul 2026
Aditya Birla Sun Life Dynamic Bond Fund -Regular - IDCW	Aditya Birla Sun Life	₹12.1627	17 Jul 2026
Mirae Asset Dynamic Bond Fund Regular IDCW	Mirae Asset	₹17.0470	17 Jul 2026
Kotak Dynamic Bond Fund Regular Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹14.8769	17 Jul 2026
HSBC Dynamic Bond Fund - Regular Annual IDCW	HSBC	₹10.2710	17 Jul 2026
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Daily IDCW Option	Baroda BNP Paribas	₹10.0832	17 Jul 2026
UTI Dynamic Bond Fund - Regular Plan - Annual IDCW	UTI	₹13.8838	17 Jul 2026
Axis Dynamic Bond Fund - Regular Plan - Half Yearly IDCW	Axis	₹11.9670	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹43.1921
16 Jul 2026	₹43.1965
15 Jul 2026	₹43.1608
14 Jul 2026	₹43.1221
13 Jul 2026	₹43.2319
10 Jul 2026	₹43.2267
9 Jul 2026	₹43.1719
8 Jul 2026	₹43.1398
7 Jul 2026	₹43.2590
6 Jul 2026	₹43.2722

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 Floater Fund - Long Term Plan - Regular Plan - Growth Option is ₹43.1921. It's a Dynamic Bond Fund from JM Financial, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

JM Floater Fund - Long Term Plan - Regular Plan - Growth Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 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 Floater Fund - Long Term Plan - Regular Plan - Growth Option is managed by JM Financial. It's classified by AMFI under the 'Dynamic Bond Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, JM Floater Fund - Long Term Plan - Regular Plan - Growth Option has delivered a absolute return of 3.02% — +0.89 pp ahead of the Dynamic Bond Fund category average of 2.14%. The fund ranks #14 of 44 in its category — the second (Q2) quartile.

Over the trailing 3-year window, JM Floater Fund - Long Term Plan - Regular Plan - Growth Option has delivered a CAGR of 6.37% — +3.29 pp ahead of the Dynamic Bond Fund category average of 3.08%. The fund ranks #11 of 44 in its category — the top (Q1) quartile.

Over the trailing 5-year window, JM Floater Fund - Long Term Plan - Regular Plan - Growth Option has delivered a CAGR of 5.70% — +2.2 pp ahead of the Dynamic Bond Fund category average of 3.49%. The fund ranks #12 of 37 in its category — the second (Q2) quartile.

₹1 lakh invested in JM Floater Fund - Long Term Plan - Regular Plan - Growth Option exactly 10 years ago would be worth approximately ₹182,474 today — a multiplier of 1.82×, based on the 10-year CAGR of 6.20%. The category average over the same window would have grown ₹1 lakh to ₹141,243.

A ₹10,000 monthly SIP in JM Floater Fund - Long Term Plan - Regular Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹698,910 today. That's an XIRR (money-weighted annualised return) of 6.04%.

A ₹10,000 monthly SIP for 10 years in JM Floater Fund - Long Term Plan - Regular Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,623,803 (multiplier 1.35×). XIRR: 5.89%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, JM Floater Fund - Long Term Plan - Regular Plan - Growth Option ranks #12 out of 37 funds in the Dynamic Bond Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 3.49%; this fund delivered 5.70%.

The worst peak-to-trough decline JM Floater Fund - Long Term Plan - Regular Plan - Growth Option has experienced over the last 5-year window is 1.28% — its NAV fell from a high on 28 May 2025 to a low on 26 Aug 2025. 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 Floater Fund - Long Term Plan - Regular Plan - Growth Option averaged 6.99% (best 8.50%, worst 5.26%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.50 — negative risk-adjusted performance.

In calendar year 2025, JM Floater Fund - Long Term Plan - Regular Plan - Growth Option returned 7.10% — beating the Dynamic Bond Fund category average of 2.27% by 4.83 pp. It ranked #6 of 43 in its category that year.

JM Floater Fund - Long Term Plan - Regular Plan - Growth Option is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. JM Floater Fund - Long Term Plan - Regular Plan - Growth Option is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.3%. 5-year CAGR: 5.70%.

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

JM Floater Fund - Long Term Plan - Regular Plan - Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Dynamic Bond Fund

Recent NAVs

Frequently asked questions

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