Should I invest in Navi Large & Midcap Fund - Regular Normal IDCW Payout?

We don't give personal investment advice. Navi Large & Midcap Fund - Regular Normal IDCW Payout 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: 19.5%. 5-year CAGR: 11.19%.

Navi

Navi Large & Midcap Fund - Regular Normal IDCW Payout

Latest NAV

₹36.4200

As of

17 Jul 2026

2,613 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	+0.37%	+0.13%	+0.24	5 / 17	Q2
1W	-0.17%	-0.31%	+0.13	9 / 17	Q3
2W	-0.18%	+0.32%	-0.50	16 / 17	Q4
1M	+0.74%	+1.62%	-0.89	15 / 17	Q4
3M	+3.69%	+4.27%	-0.58	14 / 17	Q4
6M	+3.00%	+0.57%	+2.44	6 / 17	Q2
YTD	+1.05%	-1.78%	+2.82	6 / 17	Q2
1Y	+1.87%	-0.57%	+2.44	6 / 17	Q2
2Y	+1.42%	-1.19%	+2.61	5 / 15	Q2
3Y	+9.27%	+9.33%	-0.06	7 / 12	Q3
4Y	+12.39%	+10.97%	+1.43	7 / 12	Q3
5Y	+11.19%	+8.16%	+3.03	3 / 11	Q2
7Y	+13.44%	+11.48%	+1.96	3 / 7	Q2
10Y	+12.53%	+10.51%	+2.02	1 / 3	Q2
Inception	+12.95%	+9.85%	+3.10	4 / 17	Q1

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	+1.05%	-1.78%	+2.82	6 / 17
2025	+0.69%	-1.18%	+1.87	6 / 16
2024	+16.01%	+19.96%	-3.96	8 / 12
2023	+22.94%	+22.10%	+0.85	7 / 12
2022	+0.28%	-5.07%	+5.36	3 / 12
2021	+42.87%	+35.83%	+7.04	1 / 11
2020	+7.90%	+13.27%	-5.37	8 / 10
2019	+8.90%	+11.21%	-2.31	5 / 6
2018	-8.48%	-10.78%	+2.30	1 / 4
2017	+37.64%	+32.47%	+5.17	1 / 4
2016	+11.06%	+5.83%	+5.23	2 / 3

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

+14.67%

118 windows

min -23.6% · max 64.5%

81% positive

3-Year rolling

+13.63%

93 windows

min -5.5% · max 30.8%

95% positive

5-Year rolling

+14.79%

69 windows

min 9.0% · max 25.1%

100% positive

7-Year rolling

+13.31%

45 windows

min 11.4% · max 15.2%

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

14.18%

3-year · annualised

Sharpe ratio

0.24

vs risk-free 6.5%

Sortino ratio

0.38

Downside-only deviation

Max drawdown

-19.47%

Sep 2024 → Feb 2025

% positive months

55.6%

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 Large & Mid Cap Fund

Scheme	Fund house	NAV	As of
Motilal Oswal Large and Midcap Fund Regular - IDCW Payout/Reinvestment	Motilal Oswal	₹25.3609	17 Jul 2026
Mirae Asset Large & Midcap Fund - Regular Plan - IDCW	Mirae Asset	₹48.4280	17 Jul 2026
Edelweiss Large and Mid Cap Fund - Regular Plan - IDCW Option	Edelweiss	₹34.3170	17 Jul 2026
HSBC Large & Mid Cap Fund - Regular IDCW	HSBC	₹20.3089	17 Jul 2026
Baroda BNP Paribas Large and Mid Cap Fund-Regular plan-IDCW Option	Baroda BNP Paribas	₹18.0756	17 Jul 2026
PGIM India Large and Midcap Fund - Regular Plan - IDCW Option	PGIM India	₹11.6500	17 Jul 2026
Axis Large & Mid Cap Fund - Regular Plan - IDCW	Axis	₹20.0900	17 Jul 2026
Bajaj Finserv Large and Mid Cap Fund- Regular Plan- IDCW	Bajaj Finserv	₹12.3410	17 Jul 2026
Helios Large & Mid Cap Fund - Regular Plan - IDCW Option	Helios	₹11.3500	17 Jul 2026
ITI Large & Midcap Fund - Regular Plan - IDCW Option	ITI	₹9.8268	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹36.4200
16 Jul 2026	₹36.2854
15 Jul 2026	₹36.3764
14 Jul 2026	₹36.2640
13 Jul 2026	₹36.5642
10 Jul 2026	₹36.4835
9 Jul 2026	₹36.0460
8 Jul 2026	₹35.6981
7 Jul 2026	₹36.3639
6 Jul 2026	₹36.5239

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 Navi Large & Midcap Fund - Regular Normal IDCW Payout is ₹36.4200. It's a Large & Mid Cap Fund from Navi, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Navi Large & Midcap Fund - Regular Normal IDCW Payout has NAV history starting from 08 Dec 2015, a track record of about 10 years 7 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.

Navi Large & Midcap Fund - Regular Normal IDCW Payout is managed by Navi. It's classified by AMFI under the 'Large & Mid Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Navi Large & Midcap Fund - Regular Normal IDCW Payout has delivered a absolute return of 1.87% — +2.44 pp ahead of the Large & Mid Cap Fund category average of -0.57%. The fund ranks #6 of 17 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Navi Large & Midcap Fund - Regular Normal IDCW Payout has delivered a CAGR of 9.27% — -0.06 pp behind the Large & Mid Cap Fund category average of 9.33%. The fund ranks #7 of 12 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Navi Large & Midcap Fund - Regular Normal IDCW Payout has delivered a CAGR of 11.19% — +3.03 pp ahead of the Large & Mid Cap Fund category average of 8.16%. The fund ranks #3 of 11 in its category — the second (Q2) quartile.

₹1 lakh invested in Navi Large & Midcap Fund - Regular Normal IDCW Payout exactly 10 years ago would be worth approximately ₹325,469 today — a multiplier of 3.25×, based on the 10-year CAGR of 12.53%. The category average over the same window would have grown ₹1 lakh to ₹271,642.

A ₹10,000 monthly SIP in Navi Large & Midcap Fund - Regular Normal IDCW Payout over the last 5 years — total invested ₹600,000 — would be worth ₹760,294 today. That's an XIRR (money-weighted annualised return) of 9.40%.

A ₹10,000 monthly SIP for 10 years in Navi Large & Midcap Fund - Regular Normal IDCW Payout = ₹1,200,000 invested. It would currently be worth ₹2,274,585 (multiplier 1.90×). XIRR: 12.28%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Navi Large & Midcap Fund - Regular Normal IDCW Payout ranks #3 out of 11 funds in the Large & Mid Cap Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 8.16%; this fund delivered 11.19%.

The worst peak-to-trough decline Navi Large & Midcap Fund - Regular Normal IDCW Payout has experienced over the last 5-year window is 19.47% — its NAV fell from a high on 23 Sep 2024 to a low on 28 Feb 2025. 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, Navi Large & Midcap Fund - Regular Normal IDCW Payout averaged 14.79% (best 25.14%, worst 9.02%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.34 — weak risk-adjusted performance.

In calendar year 2025, Navi Large & Midcap Fund - Regular Normal IDCW Payout returned 0.69% — beating the Large & Mid Cap Fund category average of -1.18% by 1.87 pp. It ranked #6 of 16 in its category that year.

Navi Large & Midcap Fund - Regular Normal IDCW Payout 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. Navi Large & Midcap Fund - Regular Normal IDCW Payout 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: 19.5%. 5-year CAGR: 11.19%.

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