HealthyDirect · GrowthFit for a long SIP
Bajaj Finserv Small Cap Fund
Bajaj Finserv Mutual FundEquity Scheme - Small Cap Fund1.3 years
The scheme seeks to generate long term capital appreciation by investing in equity and equity related securities of small cap companies.
- NAV
- 10.674
- 30 Oct 2026
- 1Y
- +7.8%
- Trailing CAGR
- AUM
- ₹2,646.91 Cr
- 31 Aug 2026
- Volatility
- High
- 16.2% 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 · The fund beat the category median in 100% of rolling 1-year windows.
Buy checklist
History depth
Fail
1.3 years - thin for judging consistency.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.98% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -16.2%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
Watch
Nimesh Chandan · 1.3 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 ≈ 28.1% 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+7.8%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+5.3%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+12.8%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +5.3%
- Calendar-day CAGR
- Excess 1Y
- +4.9%
- 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
- -16.2%
- Worst peak-to-trough
- Current
- -7.8%
- Below last peak
- Current spell
- 49 days
- Days below latest peak
- Time below peak
- +90%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 11 days
- 15 recovered episodes
- Longest recovery
- 66 days
- Trough to prior peak
3 Nov 2025 – 27 Apr 2026
Trough 23 Mar 2026 · recovered in 35 days
-16.2%
11 Sept 2026 – open
Trough 23 Oct 2026 · not recovered
-9.9%
22 Jul 2025 – 3 Nov 2025
Trough 29 Aug 2025 · recovered in 66 days
-6.5%
7 May 2026 – 15 Jun 2026
Trough 18 May 2026 · recovered in 28 days
-4.8%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
40
Vs category
80
Consistency
100
Risk-adjusted
27
Drawdown
60
Mean
61
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 100% of rolling 1-year windows.
Portfolio
31 Aug 2026 · 98 holdings · top 10 are 28.1%.
- Top 5
- 16.1%
- Top 10
- 28.1%
- Largest holding
- 4.0%
- Effective holdings
- 62.0
Rubicon Research Ltd.
Healthcare
4.0%
Welspun Corp Ltd
Materials
3.9%
TD Power Systems Ltd
Industrials
2.8%
Crisil Ltd
Industrials
2.7%
S.J.S Enterprises Ltd
Consumer Discretionary
2.7%
What changed
DECISION
Status moved from MONITOR to HEALTHY.
27 Oct 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Kotak Small Cap Fund
Kotak Mahindra Mutual Fund
- 1Y
- -2.9%
- 3Y
- +10.8%
- Vol
- 15.4%
- Max DD
- -40.6%
- Sharpe
- 0.80
- 3Y win
- +42%
- Lower volatility
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
PGIM India Small Cap Fund
PGIM India Mutual Fund
- 1Y
- +4.8%
- 3Y
- +14.6%
- Vol
- 15.9%
- Max DD
- -24.6%
- Sharpe
- 0.47
- 3Y win
- +6%
- Lower volatility
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
SBI SMALL CAP FUND
SBI Mutual Fund
- 1Y
- -1.0%
- 3Y
- +10.3%
- Vol
- 15.1%
- Max DD
- -40.3%
- Sharpe
- 1.10
- 3Y win
- +51%
- Lower volatility
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
Franklin India Small Cap Fund
Franklin Templeton Mutual Fund
- 1Y
- -5.6%
- 3Y
- +9.8%
- Vol
- 15.8%
- Max DD
- -49.9%
- Sharpe
- 0.82
- 3Y win
- +51%
- Lower volatility
- Higher trailing returns
Caveat: Deeper drawdown · Higher TER
BANDHAN Small Cap Fund
Bandhan Mutual Fund
- 1Y
- +1.2%
- 3Y
- +21.6%
- Vol
- 17.2%
- Max DD
- -24.3%
- Sharpe
- 1.22
- 3Y win
- +76%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown