HealthyDirect · GrowthFit for a long SIP
Edelweiss NIFTY PSU Bond Plus SDL Apr 2027 50:50 Index Fund
- NAV
- 13.4907
- 29 Oct 2026
- 1Y
- +5.7%
- Trailing CAGR
- AUM
- ₹2,083.52 Cr
- 30 Sept 2026
- Volatility
- Low
- 1.4% 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
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Buy checklist
History depth
Pass
5.0 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.25% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -3.5%. Ask whether you can hold through a similar fall.
Vs category
Fail
2% of rolling 3Y windows beat the category median, same plan and option.
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 ≈ 63.8% 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 4%. 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+5.7%
- 3Y+7.5%
- 5Y+6.2%
- 10Yn/a
- SI+6.1%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+5.8%
- 3Y+6.8%
- 5Y+6.9%
- 10Yn/a
- Since inception
- +6.1%
- Calendar-day CAGR
- Excess 1Y
- +9.7%
- Category median, same plan and option
- 3Y win rate
- +2%
- Windows beating the median
- 3Y percentile
- 57
- Vs comparable share classes
- SIP 3Y XIRR
- +6.8%
- Simulated monthly SIP
- Worst rolling 3Y
- +5.6%
- 493 daily-ending windows
- Median rolling 3Y
- +7.4%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 8 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -3.5%
- Worst peak-to-trough
- Current
- 0.0%
- At peak
- Current spell
- 0 days
- Days below latest peak
- Time below peak
- +43%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 5 days
- 132 recovered episodes
- Longest recovery
- 130 days
- Trough to prior peak
31 Mar 2022 – 13 Sept 2022
Trough 6 May 2022 · recovered in 130 days
-3.5%
13 Sept 2022 – 11 Nov 2022
Trough 26 Sept 2022 · recovered in 46 days
-1.4%
15 Dec 2021 – 11 Feb 2022
Trough 2 Feb 2022 · recovered in 9 days
-0.9%
28 Feb 2022 – 28 Mar 2022
Trough 9 Mar 2022 · recovered in 19 days
-0.6%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
57
Vs category
100
Consistency
21
Risk-adjusted
34
Drawdown
91
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
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 31 holdings · top 10 are 63.8%.
- Top 5
- 40.8%
- Top 10
- 63.8%
- Largest holding
- 10.6%
- Effective holdings
- 18.4
STATE DEVELOPMENT LOAN 30214 GUJ 31MR27 6.58 FV RS 100
Industrials
10.6%
INDIAN OIL CORPORATION LIMITED SR XXI 6.14 LOA 18FB27 FVRS10LAC
Energy & Utilities
9.6%
Indian Railway Finance Corporation Ltd SR-118 Bonds 7.83 21/03/2027
Financial
8.2%
Power Finance Corporation Ltd SR-164 Bonds 7.75 22/03/2027
Financial
7.2%
Power Grid Corporation of India Ltd SR-LVIII Bonds 7.89 09/03/2027
Energy & Utilities
5.3%
What changed
DECISION
Status moved from MONITOR to HEALTHY.
22 Sept 2026
DECISION
Status moved from HEALTHY to MONITOR.
8 Sept 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
DSP Nifty SDL Plus G-Sec Sep 2027 50:50 Index Fund
DSP Mutual Fund
- 1Y
- +5.1%
- 3Y
- +7.4%
- Vol
- 0.9%
- Max DD
- -0.3%
- Sharpe
- 1.56
- 3Y win
- +6%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
Edelweiss CRISIL IBX AAA Financial Services Bond - Jan 2028 Index Fund
Edelweiss Mutual Fund
- 1Y
- +5.4%
- 3Y
- n/a
- Vol
- 0.9%
- Max DD
- -0.5%
- Sharpe
- 1.37
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
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
- 2.30
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
Nippon India Nifty SDL Plus G-Sec - Jun 2028 Maturity 70:30 Index Fund
Nippon India Mutual Fund
- 1Y
- +4.7%
- 3Y
- +7.5%
- Vol
- 1.1%
- Max DD
- -0.7%
- Sharpe
- 1.22
- 3Y win
- +15%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
BANDHAN NIFTY 100 INDEX FUND
Bandhan Mutual Fund
- 1Y
- -9.7%
- 3Y
- +8.9%
- Vol
- 13.5%
- Max DD
- -17.3%
- Sharpe
- 0.26
- 3Y win
- +51%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown