HealthyDirect · GrowthFit for a long SIP
360 ONE Dynamic Term Fund
360 ONE Mutual FundIncome/Debt Oriented Schemes - Dynamic Term Fund13.4 years
The scheme seeks to generate income and long term gains by investing in a range of debt & money market instruments of various maturities.
- NAV
- 25.305
- 30 Oct 2026
- 1Y
- +3.6%
- Trailing CAGR
- AUM
- ₹559.35 Cr
- 31 Aug 2026
- Volatility
- Low
- 2.7% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 30 Oct 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · Three-year return is above the category median.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Buy checklist
History depth
Pass
13.4 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.34% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -8.0%. Ask whether you can hold through a similar fall.
Vs category
Watch
43% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Pass
Milan Mody · 5.7 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 53.8% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+3.6%
- 3Y+7.7%
- 5Y+6.6%
- 10Y+7.0%
- SI+7.2%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+2.7%
- 3Y+6.1%
- 5Y+6.8%
- 10Y+6.9%
- Since inception
- +7.2%
- Calendar-day CAGR
- Excess 1Y
- +0.6%
- Category median, same plan and option
- 3Y win rate
- +43%
- Windows beating the median
- 3Y percentile
- 95
- Vs comparable share classes
- SIP 3Y XIRR
- +6.1%
- Simulated monthly SIP
- Worst rolling 3Y
- +5.3%
- 2504 daily-ending windows
- Median rolling 3Y
- +7.4%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2021 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -8.0%
- Worst peak-to-trough
- Current
- -1.8%
- Below last peak
- Current spell
- 77 days
- Days below latest peak
- Time below peak
- +60%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 7 days
- 298 recovered episodes
- Longest recovery
- 259 days
- Trough to prior peak
11 Jul 2013 – 5 May 2014
Trough 19 Aug 2013 · recovered in 259 days
-8.0%
28 Apr 2015 – 13 Aug 2015
Trough 12 Jun 2015 · recovered in 62 days
-2.2%
14 Aug 2026 – open
Trough 26 Oct 2026 · not recovered
-2.1%
5 Apr 2022 – 1 Aug 2022
Trough 9 May 2022 · recovered in 84 days
-1.8%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
95
Vs category
54
Consistency
47
Risk-adjusted
50
Drawdown
80
Mean
65
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
31 Aug 2026 · 37 holdings · top 10 are 53.8%.
- Top 5
- 31.7%
- Top 10
- 53.8%
- Largest holding
- 11.9%
- Effective holdings
- 21.4
GOVERNMENT OF INDIA 31909 GOI 22AG32 7.26 FV RS 100
Entities
11.9%
GOI Sec 7.41 19/12/2036
Entities
5.5%
GOI Sec 7.18 24/07/2037
Entities
5.4%
Embassy Office Parks REIT
Real Estate
4.7%
STATE DEVELOPMENT LOAN 32601 MP 08FB33 7.64 FV RS 100
Unspecified
4.5%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
BANDHAN Dynamic Term Fund
Bandhan Mutual Fund
- 1Y
- +6.9%
- 3Y
- +8.0%
- Vol
- 3.7%
- Max DD
- -7.0%
- Sharpe
- 0.61
- 3Y win
- +59%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Higher TER
ICICI Prudential Dynamic Term Fund
ICICI Prudential Mutual Fund
- 1Y
- +3.7%
- 3Y
- +7.2%
- Vol
- 2.5%
- Max DD
- -3.6%
- Sharpe
- 1.31
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
Kotak Dynamic Term Fund
Kotak Mahindra Mutual Fund
- 1Y
- +4.7%
- 3Y
- +7.7%
- Vol
- 2.4%
- Max DD
- -3.2%
- Sharpe
- 1.06
- 3Y win
- +89%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
Aditya Birla Sun Life Dynamic Term Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +4.5%
- 3Y
- +7.6%
- Vol
- 3.4%
- Max DD
- -7.5%
- Sharpe
- 0.50
- 3Y win
- +52%
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher volatility · Higher TER · Lower trailing returns
Axis Dynamic Term Fund
Axis Mutual Fund
- 1Y
- +4.8%
- 3Y
- +7.3%
- Vol
- 3.3%
- Max DD
- -7.1%
- Sharpe
- 0.71
- 3Y win
- +77%
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher volatility · Lower trailing returns