Should I invest in JM Low Duration Fund (Regular) - Fortnightly IDCW?

We don't give personal investment advice. JM Low Duration Fund (Regular) - Fortnightly IDCW 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: 0.7%. 5-year CAGR: -0.03%.

JM Low Duration Fund (Regular) - Fortnightly IDCW

Latest NAV

₹11.0908

As of

17 Jul 2026

1,972 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%	-0.08%	+0.12	25 / 42	Q3
1W	-0.01%	-0.12%	+0.11	37 / 42	Q4
2W	-0.03%	-0.15%	+0.12	33 / 42	Q4
1M	+0.10%	+0.03%	+0.07	18 / 42	Q2
3M	-0.40%	+0.29%	-0.69	38 / 42	Q4
6M	+0.14%	+0.63%	-0.49	21 / 41	Q3
YTD	+0.03%	+0.56%	-0.54	22 / 41	Q3
1Y	+0.08%	+1.52%	-1.44	18 / 41	Q2
2Y	+0.05%	+1.98%	-1.93	20 / 39	Q3
3Y	+0.03%	+2.01%	-1.97	17 / 38	Q2
4Y	-0.02%	+1.90%	-1.92	31 / 34	Q4
5Y	-0.03%	+1.94%	-1.96	27 / 31	Q4
7Y	+2.49%	+1.88%	+0.61	11 / 31	Q2
10Y	—	—	—	—	—
Inception	+0.86%	+2.53%	-1.68	19 / 42	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	+0.03%	+0.47%	-0.44	18 / 35
2025	+0.03%	+2.13%	-2.10	19 / 35
2024	-0.27%	+2.19%	-2.45	35 / 36
2023	+0.02%	+1.84%	-1.82	22 / 36
2022	+0.06%	+1.18%	-1.12	18 / 31
2021	-0.18%	+0.67%	-0.85	23 / 28
2020	+25.35%	+3.17%	+22.17	1 / 31
2019	-14.37%	-0.92%	-13.45	31 / 31
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

+1.39%

88 windows

min -14.9% · max 26.1%

64% positive

3-Year rolling

+1.98%

63 windows

min -0.2% · max 8.0%

79% positive

5-Year rolling

+1.83%

39 windows

min -0.1% · max 4.7%

79% positive

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

7-Year rolling

+1.20%

15 windows

min 1.0% · max 2.5%

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

0.62%

3-year · annualised

Sharpe ratio

-10.62

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.74%

Apr 2025 → May 2026

% 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 Low Duration Fund

Scheme	Fund house	NAV	As of
BANDHAN Low Duration Fund - Regular Plan - Periodic IDCW	Bandhan	₹13.6178	17 Jul 2026
Aditya Birla Sun Life Low Duration Fund -Regular - DAILY IDCW	Aditya Birla Sun Life	₹99.9879	17 Jul 2026
Mirae Asset Low Duration Fund - Regular Plan - Quarterly IDCW	Mirae Asset	₹1,001.1851	17 Jul 2026
Kotak Low Duration Fund- Regular Plan-Standard Income Distribution cum capital withdrawal option	Kotak	₹1,267.8923	17 Jul 2026
Edelweiss Low Duration Fund - Regular Plan IDCW Payout	Edelweiss	₹1,083.4106	17 Jul 2026
DSP Low Duration Fund - Regular Plan - IDCW - Daily	DSP	₹10.1813	17 Jul 2026
HSBC Low Duration Fund - Regular Annual IDCW	HSBC	₹10.3418	17 Jul 2026
BARODA BNP PARIBAS LOW DURATION FUND - Regular Plan - DAILY IDCW OPTION	Baroda BNP Paribas	₹10.0604	17 Jul 2026
CANARA ROBECO SAVINGS FUND - REGULAR PLAN - MONTHLY IDCW (Payout/Reinvestment)	Canara Robeco	₹10.3068	17 Jul 2026
UTI Low Duration Fund - Regular Plan - Flexi IDCW	UTI	₹1,439.2649	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹11.0908
16 Jul 2026	₹11.0861
15 Jul 2026	₹11.0817
14 Jul 2026	₹11.0800
13 Jul 2026	₹11.0954
10 Jul 2026	₹11.0917
9 Jul 2026	₹11.0870
8 Jul 2026	₹11.0832
7 Jul 2026	₹11.0921
6 Jul 2026	₹11.0971

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 Low Duration Fund (Regular) - Fortnightly IDCW is ₹11.0908. It's a Low Duration Fund from the fund house, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

JM Low Duration Fund (Regular) - Fortnightly IDCW has NAV history starting from 25 May 2018, a track record of about 8 years 1 months. 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 (Regular) - Fortnightly IDCW 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 (Regular) - Fortnightly IDCW has delivered a absolute return of 0.08% — -1.44 pp behind the Low Duration Fund category average of 1.52%. The fund ranks #18 of 41 in its category — the second (Q2) quartile.

Over the trailing 3-year window, JM Low Duration Fund (Regular) - Fortnightly IDCW has delivered a CAGR of 0.03% — -1.97 pp behind the Low Duration Fund category average of 2.01%. The fund ranks #17 of 38 in its category — the second (Q2) quartile.

Over the trailing 5-year window, JM Low Duration Fund (Regular) - Fortnightly IDCW has delivered a CAGR of -0.03% — -1.96 pp behind the Low Duration Fund category average of 1.94%. The fund ranks #27 of 31 in its category — the bottom (Q4) quartile.

₹1 lakh invested in JM Low Duration Fund (Regular) - Fortnightly IDCW exactly 5 years ago would be worth approximately ₹99,871 today — a multiplier of 1.00×, based on the 5-year CAGR of -0.03%. The category average over the same window would have grown ₹1 lakh to ₹110,067.

A ₹10,000 monthly SIP in JM Low Duration Fund (Regular) - Fortnightly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹599,946 today. That's an XIRR (money-weighted annualised return) of -0.00%.

JM Low Duration Fund (Regular) - Fortnightly IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹866,702 — XIRR 0.88%.

On a 5-year basis, JM Low Duration Fund (Regular) - Fortnightly IDCW ranks #27 out of 31 funds in the Low Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 1.94%; this fund delivered -0.03%.

The worst peak-to-trough decline JM Low Duration Fund (Regular) - Fortnightly IDCW has experienced over the last 5-year window is 0.74% — its NAV fell from a high on 07 Apr 2025 to a low on 21 May 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 Low Duration Fund (Regular) - Fortnightly IDCW averaged 1.83% (best 4.68%, worst -0.10%). 79% of rolling windows ended positive. The 5-year Sharpe ratio is -11.77 — negative risk-adjusted performance.

In calendar year 2025, JM Low Duration Fund (Regular) - Fortnightly IDCW returned 0.03% — lagging the Low Duration Fund category average of 2.12% by 2.10 pp. It ranked #19 of 35 in its category that year.

JM Low Duration Fund (Regular) - Fortnightly IDCW 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 (Regular) - Fortnightly IDCW 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: 0.7%. 5-year CAGR: -0.03%.

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