Should I invest in JM Low Duration Fund - Bonus Option - Principal Units?

We don't give personal investment advice. JM Low Duration Fund - Bonus Option - Principal Units 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: 0.4%. 5-year CAGR: 5.78%.

JM Low Duration Fund - Bonus Option - Principal Units

Latest NAV

₹23.4425

As of

3 Jun 2026

1,941 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	0.00%	+0.01%	-0.01	41 / 46	Q4
1W	+0.20%	-7.85%	+8.05	24 / 50	Q2
2W	+0.23%	-4.03%	+4.27	5 / 48	Q1
1M	+0.20%	-4.03%	+4.23	11 / 48	Q1
3M	+1.05%	-3.68%	+4.73	18 / 48	Q2
6M	+2.19%	-2.28%	+4.47	18 / 48	Q2
YTD	+1.83%	-2.40%	+4.23	19 / 48	Q2
1Y	+5.28%	-0.31%	+5.59	17 / 48	Q2
2Y	+6.62%	+4.01%	+2.61	15 / 45	Q2
3Y	+6.67%	+3.64%	+3.04	16 / 43	Q2
4Y	+6.46%	+3.46%	+3.00	15 / 43	Q2
5Y	+5.78%	+3.44%	+2.34	15 / 39	Q2
7Y	+7.16%	+3.33%	+3.83	2 / 38	Q1
10Y	—	—	—	—	—
Inception	+5.73%	+4.12%	+1.61	16 / 46	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	+1.83%	+0.90%	+0.93	16 / 37
2025	+7.16%	+3.42%	+3.74	10 / 36
2024	+7.29%	+3.30%	+3.98	8 / 38
2023	+6.56%	-2.05%	+8.61	16 / 40
2022	+4.08%	+3.32%	+0.76	10 / 37
2021	+3.10%	+2.96%	+0.14	15 / 34
2020	+26.75%	+4.32%	+22.44	1 / 35
2019	-12.06%	+1.00%	-13.06	39 / 39
2018	—	—	—	—

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

+6.06%

86 windows

min -12.7% · max 27.0%

84% positive

3-Year rolling

+6.53%

62 windows

min 4.2% · max 11.1%

100% positive

5-Year rolling

+6.48%

38 windows

min 5.0% · max 9.5%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+5.78%

13 windows

min 5.5% · max 7.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

0.53%

3-year · annualised

Sharpe ratio

-0.01

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.23%

May 2026 → May 2026

% positive months

100.0%

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 Low Duration Fund

Scheme	Fund house	NAV	As of
NIPPON INDIA LOW DURATION FUND - IDCW Option	Nippon India	₹2,089.8894	3 Jun 2026
ICICI Prudential Flexible Income Plan Premium-Daily Dividend Plan	ICICI Prudential	₹105.7358	3 Jun 2026
Invesco India Low Duration Fund - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹4,068.9854	3 Jun 2026
Franklin India Low Duration Fund-IDCW	Franklin India	₹10.5303	3 Jun 2026
BARODA BNP PARIBAS LOW DURATION Fund-Defunct Plan- Daily IDCW Option	Baroda BNP Paribas	₹10.0499	3 Jun 2026
Canara Robeco Floating Rate-SHORT TERM PLAN-DAILY DIVIDEND REINVESTMENT	Canara Robeco	₹10.2600	3 Jun 2026
UTI - Treasury Advantage Fund - Quarterly Dividend Option	UTI	₹2,337.4714	3 Jun 2026
Birla Sun Life Cash Manager-Plan B(Growth)	Birla Sun Life	₹687.0564	3 Jun 2026
IDFC Liquidity Manager - Daily Dividend	IDFC	₹10.1011	3 Jun 2026
LICMF Savings Plus Fund - Daily Dividned	LIC	₹10.9507	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹23.4425
2 Jun 2026	₹23.4429
1 Jun 2026	₹23.4319
29 May 2026	₹23.4142
27 May 2026	₹23.3962
26 May 2026	₹23.3881
25 May 2026	₹23.3889
22 May 2026	₹23.3736
21 May 2026	₹23.3679
20 May 2026	₹23.3877

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 03 Jun 2026, the NAV of JM Low Duration Fund - Bonus Option - Principal Units is ₹23.4425. It's a Low Duration Fund from the fund house, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

JM Low Duration Fund - Bonus Option - Principal Units has NAV history starting from 25 May 2018, a track record of about 8 years. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

JM Low Duration Fund - Bonus Option - Principal Units is managed by the fund house. It's classified by AMFI under the 'Low Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, JM Low Duration Fund - Bonus Option - Principal Units has delivered a absolute return of 5.28% — +5.59 pp ahead of the Low Duration Fund category average of -0.31%. The fund ranks #17 of 48 in its category — the second (Q2) quartile.

Over the trailing 3-year window, JM Low Duration Fund - Bonus Option - Principal Units has delivered a CAGR of 6.67% — +3.04 pp ahead of the Low Duration Fund category average of 3.64%. The fund ranks #16 of 43 in its category — the second (Q2) quartile.

Over the trailing 5-year window, JM Low Duration Fund - Bonus Option - Principal Units has delivered a CAGR of 5.78% — +2.34 pp ahead of the Low Duration Fund category average of 3.44%. The fund ranks #15 of 39 in its category — the second (Q2) quartile.

₹1 lakh invested in JM Low Duration Fund - Bonus Option - Principal Units exactly 5 years ago would be worth approximately ₹132,419 today — a multiplier of 1.32×, based on the 5-year CAGR of 5.78%. The category average over the same window would have grown ₹1 lakh to ₹118,421.

A ₹10,000 monthly SIP in JM Low Duration Fund - Bonus Option - Principal Units over the last 5 years — total invested ₹600,000 — would be worth ₹703,873 today. That's an XIRR (money-weighted annualised return) of 6.32%.

JM Low Duration Fund - Bonus Option - Principal Units doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,068,955 — XIRR 6.78%.

On a 5-year basis, JM Low Duration Fund - Bonus Option - Principal Units ranks #15 out of 39 funds in the Low Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 3.44%; this fund delivered 5.78%.

The worst peak-to-trough decline JM Low Duration Fund - Bonus Option - Principal Units has experienced over the last 5-year window is 0.37% — its NAV fell from a high on 02 May 2022 to a low on 13 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 Low Duration Fund - Bonus Option - Principal Units averaged 6.48% (best 9.52%, worst 4.97%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.38 — negative risk-adjusted performance.

In calendar year 2025, JM Low Duration Fund - Bonus Option - Principal Units returned 7.16% — beating the Low Duration Fund category average of 3.42% by 3.74 pp. It ranked #10 of 36 in its category that year.

JM Low Duration Fund - Bonus Option - Principal Units 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 Low Duration Fund - Bonus Option - Principal Units 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: 0.4%. 5-year CAGR: 5.78%.

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

JM Low Duration Fund - Bonus Option - Principal Units

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Low Duration Fund

Recent NAVs

Frequently asked questions

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