Should I invest in JM Income Growth - Bonus Option?

We don't give personal investment advice. JM Income Growth - Bonus 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: 3.4%. 5-year CAGR: 5.09%.

JM Financial

JM Income Growth - Bonus Option

Latest NAV

₹26.3896

As of

17 Jul 2026

4,901 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%	-8.11%	+8.07	646 / 904	Q3
1W	-0.15%	-11.78%	+11.63	395 / 779	Q3
2W	-0.06%	-11.83%	+11.76	380 / 776	Q2
1M	+0.63%	-11.79%	+12.42	65 / 772	Q1
3M	+1.65%	-11.26%	+12.91	112 / 763	Q1
6M	+2.50%	-10.36%	+12.86	170 / 749	Q1
YTD	+2.19%	-10.43%	+12.62	145 / 747	Q1
1Y	+2.94%	-8.21%	+11.15	327 / 728	Q2
2Y	+6.13%	-5.24%	+11.37	193 / 660	Q2
3Y	+6.28%	-3.97%	+10.25	241 / 646	Q2
4Y	+6.43%	+3.38%	+3.05	36 / 136	Q2
5Y	+5.09%	+3.48%	+1.61	31 / 92	Q2
7Y	+4.60%	+3.34%	+1.26	41 / 76	Q3
10Y	+4.04%	+3.82%	+0.22	37 / 66	Q3
Inception	+4.25%	-1.10%	+5.35	435 / 904	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	+2.19%	+0.27%	+1.92	25 / 49
2025	+6.60%	+2.91%	+3.69	14 / 61
2024	+8.06%	+5.21%	+2.85	18 / 62
2023	+6.54%	+3.66%	+2.88	23 / 69
2022	+0.68%	-8.21%	+8.89	134 / 224
2021	+1.58%	-6.85%	+8.43	190 / 355
2020	+10.05%	+3.44%	+6.61	50 / 433
2019	-7.30%	+4.28%	-11.58	417 / 449
2018	+5.05%	+0.48%	+4.57	91 / 205
2017	+3.54%	+1.61%	+1.93	119 / 223
2016	+7.03%	+3.44%	+3.59	112 / 223

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

+4.37%

236 windows

min -7.4% · max 14.5%

84% positive

3-Year rolling

+4.26%

211 windows

min -1.5% · max 9.2%

89% positive

5-Year rolling

+4.44%

187 windows

min 1.2% · max 8.1%

100% positive

7-Year rolling

+4.56%

163 windows

min 2.5% · max 7.2%

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

2.24%

3-year · annualised

Sharpe ratio

-0.15

vs risk-free 6.5%

Sortino ratio

-0.51

Downside-only deviation

Max drawdown

-1.57%

Mar 2026 → Apr 2026

% positive months

80.6%

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 Medium to Long Duration Fund

Scheme	Fund house	NAV	As of
HDFC Charity Fund for Cancer Cure - IDCW Option - 50% IDCW Donation Option	HDFC	₹10.1158	17 Jul 2026
NIPPON INDIA FIXED MATURITY PLAN - XLI - SERIES 8 - IDCW Option	Nippon India	₹17.3494	17 Jul 2026
SBI Magnum Income Fund-Bonus	SBI	₹44.6708	17 Jul 2026
ICICI Prudential Bond Fund - Half Yearly IDCW	ICICI Prudential	₹11.3293	17 Jul 2026
Franklin India Medium to Long Duration Fund - IDCW	Franklin India	₹10.5884	17 Jul 2026
Canara Robeco Income-Growth Plan	Canara Robeco	₹56.9903	17 Jul 2026
UTI Bond Fund-Growth (for rep. After 6 months- No Load)	UTI	₹76.0625	17 Jul 2026
Birla Sun Life Income Plus (Dividend)	Birla Sun Life	₹13.0862	17 Jul 2026
IDFC - SSIF - Investment Plan - Annual Dividend	IDFC	₹11.9547	17 Jul 2026
JM Income Fund-Dividend	JM Financial	₹21.9310	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹26.3896
16 Jul 2026	₹26.3999
15 Jul 2026	₹26.3725
14 Jul 2026	₹26.3436
13 Jul 2026	₹26.4260
10 Jul 2026	₹26.4296
9 Jul 2026	₹26.3753
8 Jul 2026	₹26.3605
7 Jul 2026	₹26.4424
6 Jul 2026	₹26.4443

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 Income Growth - Bonus Option is ₹26.3896. It's a Medium to Long Duration Fund from JM Financial, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

JM Income Growth - Bonus 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 Income Growth - Bonus Option is managed by JM Financial. It's classified by AMFI under the 'Medium to Long Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, JM Income Growth - Bonus Option has delivered a absolute return of 2.94% — +11.15 pp ahead of the Medium to Long Duration Fund category average of -8.21%. The fund ranks #327 of 728 in its category — the second (Q2) quartile.

Over the trailing 3-year window, JM Income Growth - Bonus Option has delivered a CAGR of 6.28% — +10.25 pp ahead of the Medium to Long Duration Fund category average of -3.97%. The fund ranks #241 of 646 in its category — the second (Q2) quartile.

Over the trailing 5-year window, JM Income Growth - Bonus Option has delivered a CAGR of 5.09% — +1.61 pp ahead of the Medium to Long Duration Fund category average of 3.48%. The fund ranks #31 of 92 in its category — the second (Q2) quartile.

₹1 lakh invested in JM Income Growth - Bonus Option exactly 10 years ago would be worth approximately ₹148,528 today — a multiplier of 1.49×, based on the 10-year CAGR of 4.04%. The category average over the same window would have grown ₹1 lakh to ₹145,453.

A ₹10,000 monthly SIP in JM Income Growth - Bonus Option over the last 5 years — total invested ₹600,000 — would be worth ₹695,861 today. That's an XIRR (money-weighted annualised return) of 5.87%.

A ₹10,000 monthly SIP for 10 years in JM Income Growth - Bonus Option = ₹1,200,000 invested. It would currently be worth ₹1,514,031 (multiplier 1.26×). XIRR: 4.55%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, JM Income Growth - Bonus Option ranks #31 out of 92 funds in the Medium to Long Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 3.48%; this fund delivered 5.09%.

The worst peak-to-trough decline JM Income Growth - Bonus Option has experienced over the last 5-year window is 3.40% — its NAV fell from a high on 14 Feb 2022 to a low on 09 May 2022. 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 Income Growth - Bonus Option averaged 4.44% (best 8.10%, worst 1.20%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.61 — negative risk-adjusted performance.

In calendar year 2025, JM Income Growth - Bonus Option returned 6.60% — beating the Medium to Long Duration Fund category average of 2.91% by 3.69 pp. It ranked #14 of 61 in its category that year.

JM Income Growth - Bonus 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 Income Growth - Bonus 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: 3.4%. 5-year CAGR: 5.09%.

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