Should I invest in JM Large Cap Fund (Regular)?

We don't give personal investment advice. JM Large Cap 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: 20.4%. 5-year CAGR: 10.80%.

JM Financial

JM Large Cap Fund (Regular) - IDCW

Latest NAV

₹29.1515

As of

24 Jul 2026

5,004 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	-0.29%	-0.35%	+0.06	10 / 35	Q2
1W	-1.69%	-1.80%	+0.11	15 / 35	Q2
2W	-1.62%	-1.49%	-0.12	14 / 35	Q2
1M	-0.37%	-0.37%	+0.00	19 / 35	Q3
3M	+1.39%	+1.15%	+0.24	15 / 35	Q2
6M	-0.82%	-2.82%	+2.01	7 / 35	Q1
YTD	-5.87%	-6.84%	+0.97	10 / 35	Q2
1Y	-2.13%	-4.27%	+2.13	14 / 35	Q2
2Y	-3.93%	-2.12%	-1.81	26 / 35	Q3
3Y	+10.14%	+7.28%	+2.86	7 / 35	Q1
4Y	+12.47%	+9.46%	+3.01	7 / 34	Q1
5Y	+10.80%	+7.88%	+2.92	5 / 34	Q1
7Y	+1.27%	+10.08%	-8.81	33 / 34	Q4
10Y	+2.54%	+8.36%	-5.82	31 / 34	Q4
Inception	+2.64%	+8.33%	-5.69	30 / 35	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	-5.87%	-7.22%	+1.35	9 / 34
2025	+3.53%	+5.20%	-1.67	26 / 34
2024	+14.68%	+12.60%	+2.08	15 / 34
2023	+29.66%	+21.38%	+8.28	2 / 34
2022	+3.40%	+0.25%	+3.15	12 / 34
2021	+22.99%	+23.62%	-0.63	20 / 34
2020	-31.64%	+11.04%	-42.67	34 / 34
2019	-13.47%	+7.65%	-21.11	35 / 35
2018	+1.21%	-3.82%	+5.03	8 / 35
2017	+20.94%	+24.19%	-3.26	26 / 35
2016	+1.65%	+0.01%	+1.64	14 / 33

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

+6.51%

236 windows

min -63.1% · max 79.5%

64% positive

3-Year rolling

+4.11%

211 windows

min -22.0% · max 24.3%

61% positive

5-Year rolling

+3.37%

187 windows

min -12.6% · max 19.3%

58% positive

7-Year rolling

+3.03%

163 windows

min -3.9% · max 13.6%

66% 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

13.03%

3-year · annualised

Sharpe ratio

0.32

vs risk-free 6.5%

Sortino ratio

0.48

Downside-only deviation

Max drawdown

-20.37%

Sep 2024 → Feb 2025

% 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 Large Cap Fund

Scheme	Fund house	NAV	As of
HDFC Large Cap Fund - Growth Option - Regular Plan	HDFC	₹1,117.6250	24 Jul 2026
SBI Large Cap Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹52.5157	24 Jul 2026
Franklin India Large Cap Fund - IDCW	Franklin Templeton	₹41.8537	24 Jul 2026
Mirae Asset Large Cap Fund - Growth Plan	Mirae Asset	₹110.1470	24 Jul 2026
Kotak Large Cap Fund - Growth	Kotak	₹558.1270	24 Jul 2026
Edelweiss Large Cap Fund - Plan B - IDCW Option	Edelweiss	₹80.3900	24 Jul 2026
HSBC Large Cap Fund - Regular Growth	HSBC	₹464.7238	24 Jul 2026
UTI Large Cap Fund - Regular Plan - Growth Option	UTI	₹260.1960	24 Jul 2026
PGIM India Large Cap Fund - Growth	PGIM India	₹327.1700	24 Jul 2026
Aditya Birla Sun Life Large Cap Fund-Growth	Birla Sun Life	₹511.5500	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹29.1515
23 Jul 2026	₹29.2356
22 Jul 2026	₹29.4789
21 Jul 2026	₹29.7063
20 Jul 2026	₹29.6569
17 Jul 2026	₹29.6537
16 Jul 2026	₹29.5252
15 Jul 2026	₹29.5693
14 Jul 2026	₹29.4834
13 Jul 2026	₹29.6536

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 Large Cap Fund (Regular) - IDCW is ₹29.1515. It's a Large Cap Fund from JM Financial, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

JM Large Cap Fund (Regular) - IDCW 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 Large Cap Fund (Regular) - IDCW is managed by JM Financial. It's classified by AMFI under the 'Large Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, JM Large Cap Fund (Regular) - IDCW has delivered a absolute return of -2.13% — +2.13 pp ahead of the Large Cap Fund category average of -4.27%. The fund ranks #14 of 35 in its category — the second (Q2) quartile.

Over the trailing 3-year window, JM Large Cap Fund (Regular) - IDCW has delivered a CAGR of 10.14% — +2.86 pp ahead of the Large Cap Fund category average of 7.28%. The fund ranks #7 of 35 in its category — the top (Q1) quartile.

Over the trailing 5-year window, JM Large Cap Fund (Regular) - IDCW has delivered a CAGR of 10.80% — +2.92 pp ahead of the Large Cap Fund category average of 7.88%. The fund ranks #5 of 34 in its category — the top (Q1) quartile.

₹1 lakh invested in JM Large Cap Fund (Regular) - IDCW exactly 10 years ago would be worth approximately ₹128,465 today — a multiplier of 1.28×, based on the 10-year CAGR of 2.54%. The category average over the same window would have grown ₹1 lakh to ₹223,148.

A ₹10,000 monthly SIP in JM Large Cap Fund (Regular) - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹745,195 today. That's an XIRR (money-weighted annualised return) of 8.60%.

A ₹10,000 monthly SIP for 10 years in JM Large Cap Fund (Regular) - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,586,292 (multiplier 1.32×). XIRR: 5.45%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, JM Large Cap Fund (Regular) - IDCW ranks #5 out of 34 funds in the Large Cap Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 7.88%; this fund delivered 10.80%.

The worst peak-to-trough decline JM Large Cap Fund (Regular) - IDCW has experienced over the last 5-year window is 20.37% — its NAV fell from a high on 27 Sep 2024 to a low on 28 Feb 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 Large Cap Fund (Regular) - IDCW averaged 3.37% (best 19.34%, worst -12.56%). 58% of rolling windows ended positive. The 5-year Sharpe ratio is 0.36 — weak risk-adjusted performance.

In calendar year 2025, JM Large Cap Fund (Regular) - IDCW returned 3.53% — lagging the Large Cap Fund category average of 5.20% by 1.67 pp. It ranked #26 of 34 in its category that year.

JM Large Cap 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 Large Cap 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: 20.4%. 5-year CAGR: 10.80%.

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