HealthyDirect · GrowthFit for a long SIP
Edelweiss CRISIL IBX AAA Financial Services Bond - Jan 2028 Index Fund
- NAV
- 11.422
- 30 Oct 2026
- 1Y
- +5.4%
- Trailing CAGR
- AUM
- ₹103.32 Cr
- 31 Aug 2026
- Volatility
- Low
- 0.9% 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 92% of rolling 1-year windows.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Buy checklist
History depth
Fail
1.9 years - thin for judging consistency.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.16% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -0.5%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
n/a
Manager not listed.
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 ≈ 76.8% 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 0%. 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+5.4%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+7.2%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+5.4%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +7.2%
- Calendar-day CAGR
- Excess 1Y
- +9.0%
- 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
- -0.5%
- Worst peak-to-trough
- Current
- -0.0%
- Below last peak
- Current spell
- 11 days
- Days below latest peak
- Time below peak
- +39%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 4 days
- 53 recovered episodes
- Longest recovery
- 17 days
- Trough to prior peak
11 May 2026 – 4 Jun 2026
Trough 21 May 2026 · recovered in 14 days
-0.5%
9 Jun 2025 – 30 Jun 2025
Trough 13 Jun 2025 · recovered in 17 days
-0.3%
6 Mar 2026 – 8 Apr 2026
Trough 2 Apr 2026 · recovered in 6 days
-0.2%
6 May 2025 – 13 May 2025
Trough 9 May 2025 · recovered in 4 days
-0.2%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
34
Vs category
100
Consistency
92
Risk-adjusted
93
Drawdown
99
Mean
84
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 92% of rolling 1-year windows.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
31 Aug 2026 · 17 holdings · top 10 are 76.8%.
- Top 5
- 47.9%
- Top 10
- 76.8%
- Largest holding
- 9.7%
- Effective holdings
- 13.3
KOTAK MAHINDRA INVESTMENTS LIMITED 8.3721 NCD 20AG27 FVRS1LAC
Financial
9.7%
AXIS FINANCE LIMITED SR 01 8.29 NCD 19AG27 FVRS1LAC
Financial
9.7%
MAHINDRA AND MAHINDRA FINANCIAL SERVICES LIMITED SR AC2024 8.01 NCD 24DC27 FVRS1LAC
Financial
9.7%
ADITYA BIRLA FINANCE LIMITED SR I2 7.92 NCD 27DC27 FVRS10LAC
Financial
9.7%
TATA CAPITAL HOUSING FINANCE LIMITED SR D 7.7120 NCD 14JN28 FVRS1LAC
Financial
9.7%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Kotak CRISIL-IBX Financial Services 3-6 Months Debt Index Fund
Kotak Mahindra Mutual Fund
- 1Y
- +6.5%
- 3Y
- n/a
- Vol
- 0.4%
- Max DD
- -0.2%
- Sharpe
- 2.28
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
BANDHAN CRISIL IBX GILT APRIL 2026 INDEX FUND
Bandhan Mutual Fund
- 1Y
- +5.8%
- 3Y
- +6.8%
- Vol
- 0.8%
- Max DD
- -0.4%
- Sharpe
- 1.62
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
Caveat: Higher TER
ICICI Prudential Nifty Auto Index Fund
ICICI Prudential Mutual Fund
- 1Y
- -4.6%
- 3Y
- +17.1%
- Vol
- 18.0%
- Max DD
- -28.3%
- Sharpe
- 0.76
- 3Y win
- +100%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
ICICI Prudential Nifty Midcap 150 Index Fund
ICICI Prudential Mutual Fund
- 1Y
- -4.6%
- 3Y
- +13.3%
- Vol
- 16.7%
- Max DD
- -21.1%
- Sharpe
- 0.52
- 3Y win
- +100%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
Kotak Nifty Next 50 Index Fund
Kotak Mahindra Mutual Fund
- 1Y
- -2.7%
- 3Y
- +16.2%
- Vol
- 17.5%
- Max DD
- -26.3%
- Sharpe
- 0.49
- 3Y win
- +100%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER