Should I invest in Mahindra Manulife Consumption Fund?

We don't give personal investment advice. Mahindra Manulife Consumption Fund- Regular Plan - Growth 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: 24.4%. 5-year CAGR: 10.64%.

Mahindra Manulife

Mahindra Manulife Consumption Fund- Regular Plan - Growth

Latest NAV

₹21.6713

As of

17 Jul 2026

1,889 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.

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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%	-0.07%	+0.08	87 / 175	Q2
1W	-0.13%	-0.23%	+0.11	81 / 175	Q2
2W	-0.12%	-0.28%	+0.16	115 / 176	Q3
1M	+0.83%	+1.47%	-0.64	130 / 176	Q3
3M	+2.09%	+4.83%	-2.74	131 / 176	Q3
6M	-2.49%	+4.22%	-6.71	143 / 168	Q4
YTD	-5.46%	+2.36%	-7.83	151 / 165	Q4
1Y	-3.93%	+4.18%	-8.11	138 / 155	Q4
2Y	-3.24%	+2.32%	-5.56	95 / 111	Q4
3Y	+9.25%	+13.55%	-4.31	60 / 74	Q4
4Y	+11.77%	+14.92%	-3.16	46 / 55	Q4
5Y	+10.64%	+10.53%	+0.11	33 / 46	Q3
7Y	+12.45%	+16.29%	-3.84	25 / 32	Q4
10Y	—	—	—	—	—
Inception	+10.58%	+9.09%	+1.49	90 / 176	Q3

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	-5.46%	+2.99%	-8.45	151 / 164
2025	+0.22%	+1.66%	-1.44	78 / 133
2024	+21.04%	+21.92%	-0.89	42 / 82
2023	+27.48%	+31.01%	-3.54	35 / 59
2022	+7.76%	+2.36%	+5.40	18 / 52
2021	+21.94%	+31.79%	-9.85	30 / 42
2020	+9.52%	+20.01%	-10.48	21 / 34
2019	-0.96%	+8.53%	-9.49	23 / 28
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

+14.20%

82 windows

min -21.9% · max 49.5%

76% positive

3-Year rolling

+16.40%

58 windows

min 8.4% · max 24.3%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+16.54%

33 windows

min 10.6% · max 22.6%

100% positive

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

7-Year rolling

+11.80%

9 windows

min 10.2% · max 13.0%

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

14.17%

3-year · annualised

Sharpe ratio

0.23

vs risk-free 6.5%

Sortino ratio

0.33

Downside-only deviation

Max drawdown

-24.39%

Sep 2024 → Mar 2026

% positive months

58.3%

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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC INNOVATION FUND - REGULAR PLAN - GROWTH OPTION	HDFC	₹11.1190	17 Jul 2026
Nippon India Active Momentum Fund - Regular Plan- Growth Option	Nippon India	₹12.8415	17 Jul 2026
SBI Automotive Opportunities Fund - Regular Plan - Growth	SBI	₹12.2936	17 Jul 2026
Invesco India Business Cycle Fund - Regular Plan - Growth	Invesco	₹14.1900	17 Jul 2026
Bandhan Business Cycle Fund - Regular Plan - Growth	Bandhan	₹9.9190	17 Jul 2026
quant BFSI Fund - Growth Option - Regular Plan	Quant	₹21.0071	17 Jul 2026
QUANTUM ESG BEST IN CLASS STRATEGY FUND - REGULAR PLAN - GROWTH OPTION	Quantum	₹23.1700	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - Growth	Aditya Birla Sun Life	₹64.3300	17 Jul 2026
Motilal Oswal Active Momentum Fund- Regular- Growth	Motilal Oswal	₹13.5060	17 Jul 2026
Mirae Asset Banking and Financial Services Fund Regular Growth	Mirae Asset	₹21.9450	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹21.6713
16 Jul 2026	₹21.6671
15 Jul 2026	₹21.6053
14 Jul 2026	₹21.5362
13 Jul 2026	₹21.6653
10 Jul 2026	₹21.6985
9 Jul 2026	₹21.6079
8 Jul 2026	₹21.4489
7 Jul 2026	₹21.7999
6 Jul 2026	₹21.8120

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 Mahindra Manulife Consumption Fund- Regular Plan - Growth is ₹21.6713. It's a Sectoral/Thematic Fund from Mahindra Manulife, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

Mahindra Manulife Consumption Fund- Regular Plan - Growth has NAV history starting from 16 Nov 2018, a track record of about 7 years 8 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.

Mahindra Manulife Consumption Fund- Regular Plan - Growth is managed by Mahindra Manulife. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Mahindra Manulife Consumption Fund- Regular Plan - Growth has delivered a absolute return of -3.93% — -8.11 pp behind the Sectoral/Thematic Fund category average of 4.18%. The fund ranks #138 of 155 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Mahindra Manulife Consumption Fund- Regular Plan - Growth has delivered a CAGR of 9.25% — -4.31 pp behind the Sectoral/Thematic Fund category average of 13.55%. The fund ranks #60 of 74 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Mahindra Manulife Consumption Fund- Regular Plan - Growth has delivered a CAGR of 10.64% — +0.11 pp ahead of the Sectoral/Thematic Fund category average of 10.53%. The fund ranks #33 of 46 in its category — the third (Q3) quartile.

₹1 lakh invested in Mahindra Manulife Consumption Fund- Regular Plan - Growth exactly 5 years ago would be worth approximately ₹165,822 today — a multiplier of 1.66×, based on the 5-year CAGR of 10.64%. The category average over the same window would have grown ₹1 lakh to ₹164,992.

A ₹10,000 monthly SIP in Mahindra Manulife Consumption Fund- Regular Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹741,420 today. That's an XIRR (money-weighted annualised return) of 8.40%.

Mahindra Manulife Consumption Fund- Regular Plan - Growth doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,261,622 — XIRR 11.42%.

On a 5-year basis, Mahindra Manulife Consumption Fund- Regular Plan - Growth ranks #33 out of 46 funds in the Sectoral/Thematic Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 10.53%; this fund delivered 10.64%.

The worst peak-to-trough decline Mahindra Manulife Consumption Fund- Regular Plan - Growth has experienced over the last 5-year window is 24.39% — its NAV fell from a high on 23 Sep 2024 to a low on 23 Mar 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, Mahindra Manulife Consumption Fund- Regular Plan - Growth averaged 16.54% (best 22.60%, worst 10.64%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.32 — weak risk-adjusted performance.

In calendar year 2025, Mahindra Manulife Consumption Fund- Regular Plan - Growth returned 0.22% — lagging the Sectoral/Thematic Fund category average of 1.66% by 1.44 pp. It ranked #78 of 133 in its category that year.

Mahindra Manulife Consumption Fund- Regular Plan - Growth 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. Mahindra Manulife Consumption Fund- Regular Plan - Growth 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: 24.4%. 5-year CAGR: 10.64%.

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

Mahindra Manulife Consumption Fund- Regular Plan - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Sectoral/Thematic Fund

Recent NAVs

Frequently asked questions

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