HealthyDirect · GrowthFit for a long SIP
Invesco India Consumption Fund
Invesco Mutual FundEquity Schemes - Thematic Fund1 years
The scheme seeks to generate long term capital appreciation by investing predominantly in equity and equity related instruments of companies benefitting from consumption theme.
- NAV
- 10.79
- 29 Oct 2026
- 1Y
- +7.7%
- Trailing CAGR
- AUM
- ₹590.4 Cr
- 30 Sept 2026
- Volatility
- High
- 16.3% 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 · The fund beat the category median in 100% of rolling 1-year windows.
Buy checklist
History depth
Fail
1.0 years - thin for judging consistency.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
1.17% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -15.6%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
Watch
Manish Poddar · 1.1 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 ≈ 36.1% 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+7.7%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+7.7%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+18.5%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +7.7%
- Calendar-day CAGR
- Excess 1Y
- +12.2%
- 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
- -15.6%
- Worst peak-to-trough
- Current
- -4.5%
- Below last peak
- Current spell
- 36 days
- Days below latest peak
- Time below peak
- +90%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 15 days
- 9 recovered episodes
- Longest recovery
- 84 days
- Trough to prior peak
30 Oct 2025 – 15 Jun 2026
Trough 23 Mar 2026 · recovered in 84 days
-15.6%
23 Sept 2026 – open
Trough 23 Oct 2026 · not recovered
-9.1%
11 Sept 2026 – 22 Sept 2026
Trough 15 Sept 2026 · recovered in 7 days
-2.5%
6 Jul 2026 – 29 Jul 2026
Trough 8 Jul 2026 · recovered in 21 days
-2.0%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
39
Vs category
100
Consistency
100
Risk-adjusted
34
Drawdown
61
Mean
67
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
30 Sept 2026 · 45 holdings · top 10 are 36.1%.
- Top 5
- 20.5%
- Top 10
- 36.1%
- Largest holding
- 6.2%
- Effective holdings
- 37.0
Zomato Ltd
Technology
6.2%
Milky Mist Dairy Food Ltd.
Consumer Staples
4.1%
TVS Motor Company Ltd
Consumer Discretionary
3.5%
Mahindra & Mahindra Ltd
Consumer Discretionary
3.4%
Bharti Airtel Ltd
Technology
3.4%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
DSP Business Cycle Fund
DSP Mutual Fund
- 1Y
- -4.0%
- 3Y
- n/a
- Vol
- 13.7%
- Max DD
- -14.8%
- Sharpe
- -0.35
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
HSBC India Export Opportunities Fund
HSBC Mutual Fund
- 1Y
- +13.7%
- 3Y
- n/a
- Vol
- 16.1%
- Max DD
- -20.5%
- Sharpe
- 0.17
- 3Y win
- n/a
- Lower volatility
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
Mahindra Manulife Business Cycle Fund
Mahindra Manulife Mutual Fund
- 1Y
- -3.8%
- 3Y
- +16.3%
- Vol
- 15.7%
- Max DD
- -21.4%
- Sharpe
- 0.58
- 3Y win
- +100%
- Lower volatility
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
Mirae Asset Great Consumer Fund
Mirae Asset Mutual Fund
- 1Y
- -8.6%
- 3Y
- +10.1%
- Vol
- 14.5%
- Max DD
- -35.5%
- Sharpe
- 0.72
- 3Y win
- +71%
- Lower volatility
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
Nippon India Consumption Fund
Nippon India Mutual Fund
- 1Y
- -11.6%
- 3Y
- +8.5%
- Vol
- 15.7%
- Max DD
- -31.0%
- Sharpe
- 0.48
- 3Y win
- +46%
- Lower volatility
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown