HealthyDirect · GrowthFit for a long SIP
Bajaj Finserv Healthcare Fund
Bajaj Finserv Mutual FundEquity Scheme - Sectoral/ Thematic1.8 years
The Scheme seeks to generate long term capital appreciation by predominantly investing in equity and equity related securities of pharma, healthcare and allied companies.
- NAV
- 11.469
- 27 Oct 2026
- 1Y
- +14.9%
- Trailing CAGR
- AUM
- ₹405.14 Cr
- 30 Sept 2026
- Volatility
- Medium
- 13.6% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 27 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 · The fund beat the category median in 69% of rolling 1-year windows.
Buy checklist
History depth
Fail
1.8 years - thin for judging consistency.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.90% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -15.7%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
Watch
Bharat Hegde · 0.4 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
Watch
Top 10 holdings ≈ 59.2% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
Drawdown rehearsal
This scheme’s worst fall on file is about 16%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
If you start a SIP here, diary a 90-day check and an annual review - don’t react to every NAV print.
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+14.9%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+7.3%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+19.7%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +7.3%
- Calendar-day CAGR
- Excess 1Y
- +18.5%
- Category median, same plan and option
- 3Y win rate
- n/a
- Windows beating the median
- 3Y percentile
- n/a
- Vs comparable share classes
- SIP 3Y XIRR
- n/a
- Simulated monthly SIP
- Worst rolling 3Y
- n/a
- 0 daily-ending windows
- Median rolling 3Y
- n/a
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -15.7%
- Worst peak-to-trough
- Current
- -7.7%
- Below last peak
- Current spell
- 49 days
- Days below latest peak
- Time below peak
- +89%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 20 days
- 17 recovered episodes
- Longest recovery
- 262 days
- Trough to prior peak
2 Jan 2025 – 17 Nov 2025
Trough 28 Feb 2025 · recovered in 262 days
-15.7%
8 Sept 2026 – open
Trough 23 Oct 2026 · not recovered
-11.0%
17 Nov 2025 – 4 May 2026
Trough 23 Mar 2026 · recovered in 42 days
-10.1%
21 May 2026 – 12 Jun 2026
Trough 1 Jun 2026 · recovered in 11 days
-2.2%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
55
Vs category
100
Consistency
69
Risk-adjusted
33
Drawdown
61
Mean
64
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
- The fund beat the category median in 69% of rolling 1-year windows.
Portfolio
30 Sept 2026 · 36 holdings · top 10 are 59.2%.
- Top 5
- 37.2%
- Top 10
- 59.2%
- Largest holding
- 9.8%
- Effective holdings
- 21.4
Divi's Laboratories Ltd
Healthcare
9.8%
Sun Pharmaceutical Industries Ltd
Healthcare
9.0%
Piramal Pharma Ltd
Healthcare
6.4%
Rubicon Research Ltd.
Healthcare
6.1%
Aurobindo Pharma Ltd
Healthcare
6.0%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
16 Oct 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Kotak Business Cycle Fund
Kotak Mahindra Mutual Fund
- 1Y
- +0.3%
- 3Y
- +15.9%
- Vol
- 12.7%
- Max DD
- -18.4%
- Sharpe
- 0.71
- 3Y win
- +98%
- Lower volatility
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
ICICI Prudential Commodities Fund
ICICI Prudential Mutual Fund
- 1Y
- -0.1%
- 3Y
- +15.1%
- Vol
- 23.0%
- Max DD
- -41.2%
- Sharpe
- 0.84
- 3Y win
- +90%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
Sundaram Multi-Factor Fund
Sundaram Mutual Fund
- 1Y
- -10.0%
- 3Y
- n/a
- Vol
- 13.6%
- Max DD
- -14.9%
- Sharpe
- -0.79
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
Aditya Birla Sun Life Transportation and Logistics Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +6.4%
- 3Y
- n/a
- Vol
- 18.2%
- Max DD
- -28.2%
- Sharpe
- 0.75
- 3Y win
- n/a
- Higher win rate vs category
Caveat: Higher volatility · Deeper drawdown · Higher TER · Lower trailing returns
Baroda BNP Paribas Innovation Fund
Baroda BNP Paribas Mutual Fund
- 1Y
- +3.7%
- 3Y
- n/a
- Vol
- 15.9%
- Max DD
- -22.3%
- Sharpe
- 0.43
- 3Y win
- n/a
- Higher win rate vs category
Caveat: Higher volatility · Deeper drawdown · Higher TER · Lower trailing returns