Should I invest in JM Focused Fund (Regular)?

We don't give personal investment advice. JM Focused Fund (Regular) - 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: 21.4%. 5-year CAGR: 13.18%.

JM Financial

JM Focused Fund (Regular) - Growth Option

Latest NAV

₹19.6755

As of

24 Jul 2026

3,939 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	-0.04%	-0.19%	+0.16	2 / 17	Q1
1W	-2.21%	-2.15%	-0.07	11 / 17	Q3
2W	-2.80%	-1.98%	-0.82	13 / 17	Q4
1M	+0.17%	-0.56%	+0.74	6 / 17	Q2
3M	+3.73%	+2.49%	+1.24	5 / 17	Q2
6M	+4.09%	+1.65%	+2.44	6 / 17	Q2
YTD	-2.30%	-3.55%	+1.25	8 / 17	Q2
1Y	-0.25%	-1.54%	+1.29	9 / 17	Q3
2Y	-1.46%	-0.21%	-1.25	12 / 17	Q3
3Y	+12.47%	+9.82%	+2.65	9 / 17	Q3
4Y	+14.85%	+11.44%	+3.41	5 / 17	Q2
5Y	+13.18%	+9.99%	+3.19	3 / 16	Q1
7Y	+12.68%	+12.31%	+0.37	11 / 16	Q3
10Y	+11.50%	+9.83%	+1.67	11 / 16	Q3
Inception	+4.13%	+8.22%	-4.09	13 / 17	Q4

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	-2.30%	-3.55%	+1.25	8 / 17
2025	-2.61%	+3.05%	-5.66	14 / 17
2024	+23.65%	+16.43%	+7.23	4 / 17
2023	+33.16%	+23.77%	+9.39	1 / 17
2022	+7.05%	+2.25%	+4.80	6 / 17
2021	+16.14%	+29.90%	-13.76	16 / 16
2020	+6.76%	+10.37%	-3.61	10 / 16
2019	+10.34%	+6.11%	+4.22	4 / 16
2018	-4.28%	-12.13%	+7.84	3 / 16
2017	+40.53%	+33.15%	+7.38	4 / 16
2016	+10.16%	-0.16%	+10.32	2 / 16

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

+11.91%

212 windows

min -74.9% · max 121.1%

67% positive

3-Year rolling

+10.37%

188 windows

min -27.0% · max 30.7%

79% positive

5-Year rolling

+11.06%

163 windows

min -17.5% · max 24.7%

96% positive

7-Year rolling

+10.94%

139 windows

min -6.7% · max 17.4%

95% 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

14.67%

3-year · annualised

Sharpe ratio

0.45

vs risk-free 6.5%

Sortino ratio

0.66

Downside-only deviation

Max drawdown

-21.43%

Sep 2024 → Mar 2026

% positive months

72.2%

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 Focused Fund

Scheme	Fund house	NAV	As of
HDFC Focused Fund - GROWTH PLAN	HDFC	₹229.8100	24 Jul 2026
SBI Focused Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹71.0702	24 Jul 2026
Franklin India Focused Equity Fund - Growth Plan	Franklin Templeton	₹99.5472	24 Jul 2026
Aditya Birla Sun Life Focused Fund -Growth Option	Birla Sun Life	₹144.4529	24 Jul 2026
Bandhan Focused Fund - Regular Plan - Growth	IDFC	₹86.5290	24 Jul 2026
JM Focused Fund (Regular) - IDCW	JM Financial	₹19.6748	24 Jul 2026
NIPPON INDIA FOCUSED FUND - IDCW OPTION	Reliance	₹31.9967	24 Jul 2026
quant Focused Fund - Growth Option - Regular Plan	Escorts	₹91.6024	24 Jul 2026
Sundaram Focused Fund (Formerly Known as Principal Focused Multicap Fund)-Growth Option	Sundaram	₹160.7671	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹19.6755
23 Jul 2026	₹19.6824
22 Jul 2026	₹19.7933
21 Jul 2026	₹19.9996
20 Jul 2026	₹20.0693
17 Jul 2026	₹20.1211
16 Jul 2026	₹20.1414
15 Jul 2026	₹20.1809
14 Jul 2026	₹20.0717
13 Jul 2026	₹20.3048

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 Focused Fund (Regular) - Growth Option is ₹19.6755. It's a Focused Fund from JM Financial, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

JM Focused Fund (Regular) - Growth Option has NAV history starting from 12 Mar 2008, a track record of about 18 years 4 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 Focused Fund (Regular) - Growth Option is managed by JM Financial. It's classified by AMFI under the 'Focused Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, JM Focused Fund (Regular) - Growth Option has delivered a absolute return of -0.25% — +1.29 pp ahead of the Focused Fund category average of -1.54%. The fund ranks #9 of 17 in its category — the third (Q3) quartile.

Over the trailing 3-year window, JM Focused Fund (Regular) - Growth Option has delivered a CAGR of 12.47% — +2.65 pp ahead of the Focused Fund category average of 9.82%. The fund ranks #9 of 17 in its category — the third (Q3) quartile.

Over the trailing 5-year window, JM Focused Fund (Regular) - Growth Option has delivered a CAGR of 13.18% — +3.19 pp ahead of the Focused Fund category average of 9.99%. The fund ranks #3 of 16 in its category — the top (Q1) quartile.

₹1 lakh invested in JM Focused Fund (Regular) - Growth Option exactly 10 years ago would be worth approximately ₹296,965 today — a multiplier of 2.97×, based on the 10-year CAGR of 11.50%. The category average over the same window would have grown ₹1 lakh to ₹255,326.

A ₹10,000 monthly SIP in JM Focused Fund (Regular) - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹792,983 today. That's an XIRR (money-weighted annualised return) of 11.09%.

A ₹10,000 monthly SIP for 10 years in JM Focused Fund (Regular) - Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,226,109 (multiplier 1.86×). XIRR: 11.88%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, JM Focused Fund (Regular) - Growth Option ranks #3 out of 16 funds in the Focused Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 9.99%; this fund delivered 13.18%.

The worst peak-to-trough decline JM Focused Fund (Regular) - Growth Option has experienced over the last 5-year window is 21.43% — its NAV fell from a high on 23 Sep 2024 to a low on 23 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 Focused Fund (Regular) - Growth Option averaged 11.06% (best 24.73%, worst -17.49%). 96% of rolling windows ended positive. The 5-year Sharpe ratio is 0.48 — weak risk-adjusted performance.

In calendar year 2025, JM Focused Fund (Regular) - Growth Option returned -2.61% — lagging the Focused Fund category average of 3.05% by 5.66 pp. It ranked #14 of 17 in its category that year.

JM Focused Fund (Regular) - 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 Focused Fund (Regular) - 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: 21.4%. 5-year CAGR: 13.18%.

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