MonitorDirect · GrowthWatch before adding
Groww Dynamic Term Fund
Groww Mutual FundIncome/Debt Oriented Schemes - Dynamic Term Fund7.9 years
- NAV
- 1,580.2779
- 29 Oct 2026
- 1Y
- +2.7%
- Trailing CAGR
- AUM
- ₹25.46 Cr
- 30 Sept 2026
- Volatility
- Low
- 1.9% 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 HSBC Dynamic Term Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
7.9 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.45% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -2.3%. Ask whether you can hold through a similar fall.
Vs category
Fail
0% 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 ≈ 98.0% 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.
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+2.7%
- 3Y+5.8%
- 5Y+5.1%
- 10Yn/a
- SI+6.0%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+3.2%
- 3Y+4.3%
- 5Y+5.1%
- 10Yn/a
- Since inception
- +6.0%
- Calendar-day CAGR
- Excess 1Y
- -0.3%
- Category median, same plan and option
- 3Y win rate
- +0%
- Windows beating the median
- 3Y percentile
- 15
- Vs comparable share classes
- SIP 3Y XIRR
- +4.3%
- Simulated monthly SIP
- Worst rolling 3Y
- +4.2%
- 1189 daily-ending windows
- Median rolling 3Y
- +5.6%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 702 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -2.3%
- Worst peak-to-trough
- Current
- -0.3%
- Below last peak
- Current spell
- 37 days
- Days below latest peak
- Time below peak
- +63%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 6 days
- 180 recovered episodes
- Longest recovery
- 84 days
- Trough to prior peak
28 May 2025 – 15 Oct 2025
Trough 26 Aug 2025 · recovered in 50 days
-2.3%
9 Mar 2020 – 20 Apr 2020
Trough 19 Mar 2020 · recovered in 32 days
-1.8%
31 Mar 2022 – 29 Jul 2022
Trough 6 May 2022 · recovered in 84 days
-1.3%
15 Oct 2025 – 27 Feb 2026
Trough 10 Dec 2025 · recovered in 79 days
-1.3%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
15
Vs category
48
Consistency
9
Risk-adjusted
28
Drawdown
94
Mean
39
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
- Three-year return sits below the 25th percentile of comparable share classes.
- AUM fell by 30% or more versus the prior observation.
Supporting reads
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 12 holdings · top 10 are 98.0%.
- Top 5
- 85.0%
- Top 10
- 98.0%
- Largest holding
- 29.4%
- Effective holdings
- 5.6
7.71% GOI 18-May-2066
Entities
29.4%
Reverse Repo
Unspecified
22.2%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT CD 18MAR27
Financial
11.4%
Small Industries Dev Bank of India (18/02/2027) **
Financial
11.1%
INDIAN BANK CD 22JAN27
Financial
10.8%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
HSBC Dynamic Term Fund
HSBC Mutual Fund
- 1Y
- +2.2%
- 3Y
- +6.5%
- Vol
- 2.1%
- Max DD
- -2.0%
- Sharpe
- 0.21
- 3Y win
- +4%
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility
ITI Dynamic Term Fund
ITI Mutual Fund
- 1Y
- +1.2%
- 3Y
- +5.7%
- Vol
- 1.6%
- Max DD
- -2.2%
- Sharpe
- -0.18
- 3Y win
- +34%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
JM Dynamic Term Fund
JM Financial Mutual Fund
- 1Y
- +2.5%
- 3Y
- +6.5%
- Vol
- 1.4%
- Max DD
- -3.0%
- Sharpe
- 1.00
- 3Y win
- +29%
- Lower volatility
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
Mahindra Manulife Dynamic Term Fund
Mahindra Manulife Mutual Fund
- 1Y
- +3.3%
- 3Y
- +7.2%
- Vol
- 1.8%
- Max DD
- -2.3%
- Sharpe
- 0.13
- 3Y win
- +24%
- Lower volatility
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
360 ONE Dynamic Term Fund
360 ONE Mutual Fund
- 1Y
- +3.3%
- 3Y
- +7.7%
- Vol
- 2.7%
- Max DD
- -8.0%
- Sharpe
- 0.50
- 3Y win
- +43%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown