HealthyDirect · GrowthFit for a long SIP
Bajaj Finserv Multi Cap Fund
Bajaj Finserv Mutual FundEquity Scheme - Multi Cap Fund1.7 years
The scheme seeks to generate long term capital appreciation by investing in equity and equity related securities of large cap, mid cap and small cap companies.
- NAV
- 11.797
- 29 Oct 2026
- 1Y
- +2.5%
- Trailing CAGR
- AUM
- ₹1,641.36 Cr
- 30 Sept 2026
- Volatility
- Medium
- 13.9% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 28 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 72% of rolling 1-year windows.
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Buy checklist
History depth
Fail
1.7 years - thin for judging consistency.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
1.11% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -14.2%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
Watch
Nimesh Chandan · 1.7 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 ≈ 36.3% 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 14%. 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+2.5%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+10.2%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+2.1%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +10.2%
- Calendar-day CAGR
- Excess 1Y
- +3.0%
- 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
- -14.2%
- Worst peak-to-trough
- Current
- -7.4%
- Below last peak
- Current spell
- 63 days
- Days below latest peak
- Time below peak
- +86%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 10 days
- 23 recovered episodes
- Longest recovery
- 80 days
- Trough to prior peak
5 Jan 2026 – 7 May 2026
Trough 23 Mar 2026 · recovered in 45 days
-14.2%
26 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-9.2%
17 Jul 2025 – 17 Nov 2025
Trough 29 Aug 2025 · recovered in 80 days
-6.1%
3 Apr 2025 – 15 Apr 2025
Trough 7 Apr 2025 · recovered in 8 days
-4.6%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
28
Vs category
69
Consistency
72
Risk-adjusted
43
Drawdown
65
Mean
55
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 72% of rolling 1-year windows.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 73 holdings · top 10 are 36.3%.
- Top 5
- 24.2%
- Top 10
- 36.3%
- Largest holding
- 9.7%
- Effective holdings
- 38.0
HDFC Bank Ltd
Financial
9.7%
Bharti Airtel Ltd
Technology
4.5%
Reliance Industries Ltd
Energy & Utilities
4.2%
Schaeffler India Ltd
Industrials
3.1%
Glaxosmithkline Pharmaceuticals Ltd
Healthcare
2.6%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
TRUSTMF MULTI CAP FUND
Trust Mutual Fund
- 1Y
- +8.9%
- 3Y
- n/a
- Vol
- 14.5%
- Max DD
- -12.7%
- Sharpe
- 0.42
- 3Y win
- n/a
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Higher TER
HDFC Multi Cap Fund
HDFC Mutual Fund
- 1Y
- -9.3%
- 3Y
- +10.5%
- Vol
- 14.5%
- Max DD
- -20.2%
- Sharpe
- 0.55
- 3Y win
- +77%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
LIC MF Multi Cap Fund
LIC Mutual Fund
- 1Y
- +1.3%
- 3Y
- +16.8%
- Vol
- 14.2%
- Max DD
- -19.3%
- Sharpe
- 0.77
- 3Y win
- +100%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Quant Multi Cap Fund
quant Mutual Fund
- 1Y
- -0.2%
- 3Y
- +9.6%
- Vol
- 17.2%
- Max DD
- -36.3%
- Sharpe
- 0.71
- 3Y win
- +81%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
BANDHAN MULTI CAP FUND
Bandhan Mutual Fund
- 1Y
- -5.0%
- 3Y
- +12.0%
- Vol
- 13.3%
- Max DD
- -18.3%
- Sharpe
- 0.51
- 3Y win
- +57%
- Lower volatility
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown