MonitorDirect · GrowthWatch before adding
Bajaj Finserv Multi Asset Allocation Fund
Bajaj Finserv Mutual FundHybrid Scheme - Multi Asset Allocation2.4 years
The scheme seeks to generate income from fixed income instruments and generate capital appreciation for investors by investing in equity and equity related securities including derivatives, Gold ETFs, Silver ETFs, exchange traded commodity derivatives and in units of REITs & InvITs.
- NAV
- 12.0388
- 29 Oct 2026
- 1Y
- -0.0%
- Trailing CAGR
- AUM
- ₹1,913.03 Cr
- 30 Sept 2026
- Volatility
- Medium
- 10.3% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer Aditya Birla Sun Life Multi Asset Allocation Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Fail
2.4 years - thin for judging consistency.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.73% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -13.2%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
Watch
Cheragh Sidhwa · 0.5 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 ≈ 40.5% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
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 13%. 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
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
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-0.0%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+7.9%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-6.2%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +7.9%
- Calendar-day CAGR
- Excess 1Y
- -2.9%
- 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
- -13.2%
- Worst peak-to-trough
- Current
- -9.6%
- Below last peak
- Current spell
- 273 days
- Days below latest peak
- Time below peak
- +85%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 7 days
- 31 recovered episodes
- Longest recovery
- 98 days
- Trough to prior peak
29 Jan 2026 – open
Trough 23 Mar 2026 · not recovered
-13.2%
27 Sept 2024 – 9 Jun 2025
Trough 3 Mar 2025 · recovered in 98 days
-10.0%
23 Jul 2025 – 16 Sept 2025
Trough 28 Aug 2025 · recovered in 19 days
-3.5%
31 Jul 2024 – 21 Aug 2024
Trough 6 Aug 2024 · recovered in 15 days
-2.8%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
22
Vs category
32
Consistency
40
Risk-adjusted
36
Drawdown
67
Mean
40
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
- Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
Supporting reads
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 72 holdings · top 10 are 40.5%.
- Top 5
- 27.0%
- Top 10
- 40.5%
- Largest holding
- 8.0%
- Effective holdings
- 36.8
DSP Gold ETF - Growth
Unspecified
8.0%
HDFC Bank Ltd
Financial
6.2%
ICICI Bank Ltd
Financial
5.7%
Others CBLO
Unspecified
3.9%
Embassy Office Parks REIT
Real Estate
3.3%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
29 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
28 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
27 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
26 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
21 Oct 2026
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.
Aditya Birla Sun Life Multi Asset Allocation Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +3.9%
- 3Y
- +15.4%
- Vol
- 9.8%
- Max DD
- -12.8%
- Sharpe
- 0.93
- 3Y win
- +60%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Nippon India Multi Asset Allocation Fund
Nippon India Mutual Fund
- 1Y
- +3.1%
- 3Y
- +17.9%
- Vol
- 9.5%
- Max DD
- -10.8%
- Sharpe
- 1.09
- 3Y win
- +84%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
BANDHAN MULTI ASSET ALLOCATION FUND
Bandhan Mutual Fund
- 1Y
- +5.0%
- 3Y
- n/a
- Vol
- 9.2%
- Max DD
- -10.0%
- Sharpe
- 0.78
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
SBI MULTI ASSET ALLOCATION FUND
SBI Mutual Fund
- 1Y
- +2.5%
- 3Y
- +13.9%
- Vol
- 6.6%
- Max DD
- -17.6%
- Sharpe
- 0.91
- 3Y win
- +45%
- Lower volatility
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
Union Multi Asset Allocation Fund
Union Mutual Fund
- 1Y
- +2.6%
- 3Y
- n/a
- Vol
- 11.2%
- Max DD
- -12.4%
- Sharpe
- 0.27
- 3Y win
- n/a
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Higher TER