Should I invest in Mahindra Manulife Consumption Fund?

We don't give personal investment advice. Mahindra Manulife Consumption Fund - Regular Plan - 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: 36.0%. 5-year CAGR: 2.45%.

Mahindra Manulife

Mahindra Manulife Consumption Fund - Regular Plan - IDCW

Latest NAV

₹14.7494

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.

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%	-0.06%	+0.08	80 / 168	Q2
1W	-0.13%	-0.22%	+0.09	75 / 168	Q2
2W	-0.12%	-0.98%	+0.86	112 / 170	Q3
1M	+0.83%	+0.82%	+0.00	127 / 170	Q3
3M	+2.09%	+3.83%	-1.75	121 / 170	Q3
6M	-11.96%	+1.86%	-13.83	155 / 162	Q4
YTD	-14.64%	-0.06%	-14.58	154 / 160	Q4
1Y	-13.26%	+1.21%	-14.47	144 / 150	Q4
2Y	-10.98%	-0.78%	-10.20	105 / 109	Q4
3Y	+1.21%	+9.09%	-7.88	70 / 76	Q4
4Y	+3.46%	+9.79%	-6.33	53 / 58	Q4
5Y	+2.45%	+5.30%	-2.85	43 / 48	Q4
7Y	+6.44%	+13.56%	-7.12	30 / 32	Q4
10Y	—	—	—	—	—
Inception	+5.17%	+7.30%	-2.13	117 / 170	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	-14.64%	+1.20%	-15.85	154 / 158
2025	-6.06%	-0.40%	-5.66	100 / 129
2024	+13.71%	+19.58%	-5.87	53 / 84
2023	+17.72%	+28.75%	-11.03	56 / 62
2022	-0.11%	+0.21%	-0.32	29 / 54
2021	+21.94%	+28.31%	-6.37	25 / 43
2020	+9.52%	+22.29%	-12.77	22 / 34
2019	-0.96%	+7.10%	-8.07	22 / 29
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

+9.06%

82 windows

min -21.9% · max 49.2%

61% positive

3-Year rolling

+10.46%

58 windows

min 1.2% · max 18.0%

100% positive

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

5-Year rolling

+10.67%

33 windows

min 2.4% · max 15.9%

100% positive

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

7-Year rolling

+6.52%

9 windows

min 4.3% · max 8.5%

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

18.08%

3-year · annualised

Sharpe ratio

-0.21

vs risk-free 6.5%

Sortino ratio

-0.26

Downside-only deviation

Max drawdown

-36.01%

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 - IDCW - REGULAR PLAN	HDFC	₹11.1190	17 Jul 2026
Nippon India Active Momentum Fund- Regular Plan- IDCW Option	Nippon India	₹12.8415	17 Jul 2026
SBI Automotive Opportunities Fund - Regular Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹12.2938	17 Jul 2026
Invesco India Business Cycle Fund - Regular Plan - IDCW	Invesco	₹14.1900	17 Jul 2026
Bandhan Business Cycle Fund - Regular Plan - IDCW	Bandhan	₹9.9190	17 Jul 2026
quant BFSI Fund - IDCW Option - Regular Plan	Quant	₹21.0055	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - REGULAR - IDCW	Aditya Birla Sun Life	₹23.5200	17 Jul 2026
Motilal Oswal Active Momentum Fund - Regular- IDCW	Motilal Oswal	₹13.5064	17 Jul 2026
Mirae Asset Banking and Financial Services Fund Regular IDCW	Mirae Asset	₹21.9730	17 Jul 2026
Kotak Active Momentum Fund - Regular Plan - IDCW - Payout & Reinvestment	Kotak	₹10.6840	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹14.7494
16 Jul 2026	₹14.7465
15 Jul 2026	₹14.7045
14 Jul 2026	₹14.6575
13 Jul 2026	₹14.7453
10 Jul 2026	₹14.7679
9 Jul 2026	₹14.7063
8 Jul 2026	₹14.5980
7 Jul 2026	₹14.8369
6 Jul 2026	₹14.8452

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 - IDCW is ₹14.7494. It's a Sectoral/Thematic Fund from Mahindra Manulife, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Mahindra Manulife Consumption Fund - Regular Plan - IDCW 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 - IDCW 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 - IDCW has delivered a absolute return of -13.26% — -14.47 pp behind the Sectoral/Thematic Fund category average of 1.21%. The fund ranks #144 of 150 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Mahindra Manulife Consumption Fund - Regular Plan - IDCW has delivered a CAGR of 1.21% — -7.88 pp behind the Sectoral/Thematic Fund category average of 9.09%. The fund ranks #70 of 76 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Mahindra Manulife Consumption Fund - Regular Plan - IDCW has delivered a CAGR of 2.45% — -2.85 pp behind the Sectoral/Thematic Fund category average of 5.30%. The fund ranks #43 of 48 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Mahindra Manulife Consumption Fund - Regular Plan - IDCW exactly 5 years ago would be worth approximately ₹112,859 today — a multiplier of 1.13×, based on the 5-year CAGR of 2.45%. The category average over the same window would have grown ₹1 lakh to ₹129,463.

A ₹10,000 monthly SIP in Mahindra Manulife Consumption Fund - Regular Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹590,078 today. That's an XIRR (money-weighted annualised return) of -0.66%.

Mahindra Manulife Consumption Fund - Regular Plan - IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹944,127 — XIRR 3.29%.

On a 5-year basis, Mahindra Manulife Consumption Fund - Regular Plan - IDCW ranks #43 out of 48 funds in the Sectoral/Thematic Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 5.30%; this fund delivered 2.45%.

The worst peak-to-trough decline Mahindra Manulife Consumption Fund - Regular Plan - IDCW has experienced over the last 5-year window is 36.01% — 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 - IDCW averaged 10.67% (best 15.86%, worst 2.45%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.14 — negative risk-adjusted performance.

In calendar year 2025, Mahindra Manulife Consumption Fund - Regular Plan - IDCW returned -6.06% — lagging the Sectoral/Thematic Fund category average of -0.40% by 5.66 pp. It ranked #100 of 129 in its category that year.

Mahindra Manulife Consumption Fund - Regular Plan - 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. Mahindra Manulife Consumption Fund - Regular Plan - 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: 36.0%. 5-year CAGR: 2.45%.

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 - IDCW

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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