Should I invest in JPMorgan India Treasury Fund-Retail GROWTH?

We don't give personal investment advice. JPMorgan India Treasury Fund-Retail GROWTH 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: 8.2%. 5-year CAGR: 6.45%.

JPMorgan

JPMorgan India Treasury Fund-Retail GROWTH

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	+0.02%	-7.11%	+7.12	79 / 732	Q1
1W	+0.11%	-12.64%	+12.75	139 / 699	Q1
2W	+0.23%	-12.71%	+12.94	145 / 712	Q1
1M	+0.51%	-12.43%	+12.94	163 / 754	Q1
3M	+1.70%	-11.47%	+13.17	204 / 740	Q2
6M	+3.49%	-9.57%	+13.05	254 / 680	Q2
YTD	+6.60%	-9.94%	+16.54	97 / 704	Q1
1Y	+7.42%	-7.10%	+14.52	250 / 627	Q2
2Y	+2.87%	-7.27%	+10.14	58 / 143	Q2
3Y	+4.90%	-2.77%	+7.67	32 / 83	Q2
4Y	+5.70%	+0.17%	+5.53	21 / 70	Q2
5Y	+6.45%	+0.12%	+6.33	20 / 66	Q2
7Y	+6.60%	-0.98%	+7.58	14 / 52	Q2
10Y	—	—	—	—	—
Inception	+5.90%	-6.12%	+12.02	340 / 770	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
2016 YTD	+6.60%	+3.57%	+3.03	14 / 41
2015	-1.51%	-1.44%	-0.07	51 / 56
2014	+8.75%	+4.04%	+4.71	12 / 46
2013	+8.34%	+2.99%	+5.35	7 / 51
2012	+9.31%	+3.57%	+5.74	9 / 54
2011	+8.93%	+2.03%	+6.90	9 / 66
2010	+5.54%	-4.87%	+10.41	13 / 143
2009	+5.68%	-9.70%	+15.38	144 / 552
2008	+0.55%	+2.86%	-2.31	171 / 257
2007	—	—	—	—

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

+5.67%

100 windows

min -2.0% · max 9.8%

83% positive

3-Year rolling

+6.89%

76 windows

min 3.9% · max 9.0%

100% positive

5-Year rolling

+7.11%

51 windows

min 5.7% · max 8.6%

100% positive

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

7-Year rolling

+6.55%

27 windows

min 6.1% · max 6.7%

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

4.22%

3-year · annualised

Sharpe ratio

-0.38

vs risk-free 6.5%

Sortino ratio

-0.42

Downside-only deviation

Max drawdown

-8.23%

Aug 2015 → Sep 2015

% positive months

94.4%

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.

Recent NAVs

Date	NAV
24 Nov 2016	₹16.9411
23 Nov 2016	₹16.9384
22 Nov 2016	₹16.9356
21 Nov 2016	₹16.9328
18 Nov 2016	₹16.9245
17 Nov 2016	₹16.9217
16 Nov 2016	₹16.9189
15 Nov 2016	₹16.9162
11 Nov 2016	₹16.9049
10 Nov 2016	₹16.9021

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.

JPMorgan India Treasury Fund-Retail GROWTH is a Income from JPMorgan (Retail plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

JPMorgan India Treasury Fund-Retail GROWTH has NAV history starting from 24 Sep 2007, a track record of about 18 years 8 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.

JPMorgan India Treasury Fund-Retail GROWTH is managed by JPMorgan. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, JPMorgan India Treasury Fund-Retail GROWTH has delivered a absolute return of 7.42% — +14.52 pp ahead of the Income category average of -7.10%. The fund ranks #250 of 627 in its category — the second (Q2) quartile.

Over the trailing 3-year window, JPMorgan India Treasury Fund-Retail GROWTH has delivered a CAGR of 4.90% — +7.67 pp ahead of the Income category average of -2.77%. The fund ranks #32 of 83 in its category — the second (Q2) quartile.

Over the trailing 5-year window, JPMorgan India Treasury Fund-Retail GROWTH has delivered a CAGR of 6.45% — +6.33 pp ahead of the Income category average of 0.12%. The fund ranks #20 of 66 in its category — the second (Q2) quartile.

₹1 lakh invested in JPMorgan India Treasury Fund-Retail GROWTH exactly 5 years ago would be worth approximately ₹136,680 today — a multiplier of 1.37×, based on the 5-year CAGR of 6.45%. The category average over the same window would have grown ₹1 lakh to ₹100,600.

A ₹10,000 monthly SIP in JPMorgan India Treasury Fund-Retail GROWTH over the last 5 years — total invested ₹600,000 — would be worth ₹683,635 today. That's an XIRR (money-weighted annualised return) of 5.15%.

JPMorgan India Treasury Fund-Retail GROWTH doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,039,493 — XIRR 5.99%.

On a 5-year basis, JPMorgan India Treasury Fund-Retail GROWTH ranks #20 out of 66 funds in the Income category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 0.12%; this fund delivered 6.45%.

The worst peak-to-trough decline JPMorgan India Treasury Fund-Retail GROWTH has experienced over the last 5-year window is 8.23% — its NAV fell from a high on 26 Aug 2015 to a low on 28 Sep 2015. 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, JPMorgan India Treasury Fund-Retail GROWTH averaged 7.11% (best 8.63%, worst 5.70%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.05 — negative risk-adjusted performance.

In calendar year 2015, JPMorgan India Treasury Fund-Retail GROWTH returned -1.51% — lagging the Income category average of -1.44% by 0.07 pp. It ranked #51 of 56 in its category that year.

JPMorgan India Treasury Fund-Retail GROWTH 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. JPMorgan India Treasury Fund-Retail GROWTH 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: 8.2%. 5-year CAGR: 6.45%.

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