Should I invest in Shriram Flexi Cap Fund - Regular?

We don't give personal investment advice. Shriram Flexi Cap Fund - Regular-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: 25.1%. 5-year CAGR: 8.12%.

Shriram

Shriram Flexi Cap Fund - Regular-IDCW

Latest NAV

₹19.8998

As of

17 Jul 2026

1,913 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	+0.40%	+0.16%	+0.23	5 / 37	Q1
1W	-0.23%	-0.15%	-0.08	23 / 37	Q3
2W	-0.07%	+0.23%	-0.30	27 / 37	Q3
1M	+1.31%	+1.77%	-0.46	21 / 37	Q3
3M	+1.90%	+3.47%	-1.57	28 / 37	Q4
6M	-1.96%	+2.25%	-4.21	24 / 36	Q3
YTD	-3.57%	-1.07%	-2.50	24 / 36	Q3
1Y	-2.55%	+3.47%	-6.02	21 / 33	Q3
2Y	-7.99%	+1.44%	-9.43	30 / 33	Q4
3Y	+7.47%	+9.22%	-1.76	22 / 31	Q3
4Y	+9.66%	+10.91%	-1.26	14 / 21	Q3
5Y	+8.12%	+8.74%	-0.62	11 / 16	Q3
7Y	+9.89%	+11.00%	-1.12	9 / 12	Q3
10Y	—	—	—	—	—
Inception	+9.48%	+9.66%	-0.19	21 / 37	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	-3.57%	-1.87%	-1.71	19 / 30
2025	-6.70%	+0.95%	-7.65	25 / 27
2024	+15.78%	+18.04%	-2.26	13 / 26
2023	+26.27%	+25.45%	+0.82	10 / 20
2022	+2.35%	-2.75%	+5.09	1 / 15
2021	+20.03%	+24.94%	-4.91	12 / 15
2020	+12.22%	+11.34%	+0.88	6 / 17
2019	+6.21%	+9.92%	-3.71	14 / 16
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

+12.00%

83 windows

min -21.5% · max 45.8%

70% positive

3-Year rolling

+13.69%

59 windows

min 7.5% · max 21.7%

100% positive

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

5-Year rolling

+13.63%

34 windows

min 8.0% · max 19.3%

100% positive

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

7-Year rolling

+9.94%

10 windows

min 8.2% · max 11.1%

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

15.59%

3-year · annualised

Sharpe ratio

0.13

vs risk-free 6.5%

Sortino ratio

0.18

Downside-only deviation

Max drawdown

-25.10%

Jul 2024 → Mar 2026

% positive months

66.7%

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 Flexi Cap Fund

Scheme	Fund house	NAV	As of
Nippon India Flexi Cap Fund - Regular Plan - IDCW Option	Nippon India	₹16.7591	17 Jul 2026
Invesco India Flexi Cap Fund - Regular Plan - IDCW	Invesco	₹17.1500	17 Jul 2026
Motilal Oswal Flexi cap Fund Regular - IDCW Payout/Reinvestment	Motilal Oswal	₹31.8092	17 Jul 2026
Mirae Asset Flexi Cap Fund - Regular Plan - IDCW	Mirae Asset	₹16.1720	17 Jul 2026
Parag Parikh Flexi Cap Fund - Regular Plan - IDCW	Parag Parikh	₹83.4000	17 Jul 2026
Edelweiss Flexi Cap Fund - Regular - IDCW Option	Edelweiss	₹31.3420	17 Jul 2026
Baroda BNP Paribas Flexi Cap Fund - Regular Plan - IDCW Option	Baroda BNP Paribas	₹13.2964	17 Jul 2026
PGIM India Flexi Cap Fund - Regular Plan - Dividend Option	PGIM India	₹17.8700	17 Jul 2026
Axis Flexi Cap Fund - Regular Plan - IDCW	Axis	₹17.2100	17 Jul 2026
360 ONE FLEXICAP FUND-REGULAR PLAN- IDCW	360 ONE	₹15.8047	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹19.8998
16 Jul 2026	₹19.8210
15 Jul 2026	₹19.8653
14 Jul 2026	₹19.8383
13 Jul 2026	₹19.9761
10 Jul 2026	₹19.9454
9 Jul 2026	₹19.7406
8 Jul 2026	₹19.5611
7 Jul 2026	₹19.9506
6 Jul 2026	₹19.9950

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 Shriram Flexi Cap Fund - Regular-IDCW is ₹19.8998. It's a Flexi Cap Fund from Shriram, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Shriram Flexi Cap Fund - Regular-IDCW has NAV history starting from 08 Oct 2018, a track record of about 7 years 9 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.

Shriram Flexi Cap Fund - Regular-IDCW is managed by Shriram. It's classified by AMFI under the 'Flexi Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Shriram Flexi Cap Fund - Regular-IDCW has delivered a absolute return of -2.55% — -6.02 pp behind the Flexi Cap Fund category average of 3.47%. The fund ranks #21 of 33 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Shriram Flexi Cap Fund - Regular-IDCW has delivered a CAGR of 7.47% — -1.76 pp behind the Flexi Cap Fund category average of 9.22%. The fund ranks #22 of 31 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Shriram Flexi Cap Fund - Regular-IDCW has delivered a CAGR of 8.12% — -0.62 pp behind the Flexi Cap Fund category average of 8.74%. The fund ranks #11 of 16 in its category — the third (Q3) quartile.

₹1 lakh invested in Shriram Flexi Cap Fund - Regular-IDCW exactly 5 years ago would be worth approximately ₹147,762 today — a multiplier of 1.48×, based on the 5-year CAGR of 8.12%. The category average over the same window would have grown ₹1 lakh to ₹152,054.

A ₹10,000 monthly SIP in Shriram Flexi Cap Fund - Regular-IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹692,429 today. That's an XIRR (money-weighted annualised return) of 5.67%.

Shriram Flexi Cap Fund - Regular-IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,140,751 — XIRR 8.60%.

On a 5-year basis, Shriram Flexi Cap Fund - Regular-IDCW ranks #11 out of 16 funds in the Flexi Cap Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 8.74%; this fund delivered 8.12%.

The worst peak-to-trough decline Shriram Flexi Cap Fund - Regular-IDCW has experienced over the last 5-year window is 25.10% — its NAV fell from a high on 15 Jul 2024 to a low on 31 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, Shriram Flexi Cap Fund - Regular-IDCW averaged 13.63% (best 19.29%, worst 7.97%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.15 — weak risk-adjusted performance.

In calendar year 2025, Shriram Flexi Cap Fund - Regular-IDCW returned -6.70% — lagging the Flexi Cap Fund category average of 0.95% by 7.65 pp. It ranked #25 of 27 in its category that year.

Shriram Flexi Cap Fund - Regular-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. Shriram Flexi Cap Fund - Regular-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: 25.1%. 5-year CAGR: 8.12%.

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

Shriram Flexi Cap Fund - Regular-IDCW

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Flexi Cap Fund

Recent NAVs

Frequently asked questions

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