MonitorDirect · GrowthWatch before adding
JM Dynamic Term Fund
JM Financial Mutual FundIncome/Debt Oriented Schemes - Dynamic Term Fund13.8 years
- NAV
- 46.3501
- 29 Oct 2026
- 1Y
- +2.5%
- Trailing CAGR
- AUM
- ₹52.09 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
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer 360 ONE Dynamic Term Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.44% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -3.0%. Ask whether you can hold through a similar fall.
Vs category
Fail
29% 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 ≈ 76.5% 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+2.5%
- 3Y+6.5%
- 5Y+5.9%
- 10Y+6.5%
- SI+7.2%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+2.6%
- 3Y+5.1%
- 5Y+5.9%
- 10Y+6.1%
- Since inception
- +7.2%
- Calendar-day CAGR
- Excess 1Y
- -0.4%
- Category median, same plan and option
- 3Y win rate
- +29%
- Windows beating the median
- 3Y percentile
- 45
- Vs comparable share classes
- SIP 3Y XIRR
- +5.1%
- Simulated monthly SIP
- Worst rolling 3Y
- +4.6%
- 2621 daily-ending windows
- Median rolling 3Y
- +7.5%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2137 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -3.0%
- Worst peak-to-trough
- Current
- -0.6%
- Below last peak
- Current spell
- 76 days
- Days below latest peak
- Time below peak
- +32%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 5 days
- 197 recovered episodes
- Longest recovery
- 76 days
- Trough to prior peak
6 Mar 2020 – 20 Apr 2020
Trough 24 Mar 2020 · recovered in 27 days
-3.0%
28 May 2025 – 6 Oct 2025
Trough 26 Aug 2025 · recovered in 41 days
-1.2%
5 Jan 2021 – 19 Apr 2021
Trough 2 Feb 2021 · recovered in 76 days
-1.1%
11 Mar 2026 – 7 May 2026
Trough 2 Apr 2026 · recovered in 35 days
-1.0%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
45
Vs category
47
Consistency
35
Risk-adjusted
75
Drawdown
93
Mean
59
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
No status reasons yet. History is still thin.
Supporting reads
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 17 holdings · top 10 are 76.5%.
- Top 5
- 44.6%
- Top 10
- 76.5%
- Largest holding
- 12.2%
- Effective holdings
- 13.9
GOVERNMENT OF INDIA 37080 GOI 16FB31 6.36 FV RS 100
Entities
12.2%
Power Finance Corporation Ltd SR-155 Bonds 7.23 05/01/2027
Financial
8.6%
REC LIMITED SERIES 192 7.50 BD 28FB30 FVRS10LAC
Financial
8.6%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25G 7.48 BD 15SP28 FVRS1LAC
Financial
7.6%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR IV 7.04 BD 09FB29 FVRS1LAC
Financial
7.5%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
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
Axis Dynamic Term Fund
Axis Mutual Fund
- 1Y
- +4.7%
- 3Y
- +7.3%
- Vol
- 3.3%
- Max DD
- -7.1%
- Sharpe
- 0.72
- 3Y win
- +77%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
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%
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Higher volatility · Lower trailing returns
Aditya Birla Sun Life Dynamic Term Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +4.3%
- 3Y
- +7.6%
- Vol
- 3.4%
- Max DD
- -7.5%
- Sharpe
- 0.50
- 3Y win
- +52%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
BANDHAN Dynamic Term Fund
Bandhan Mutual Fund
- 1Y
- +6.7%
- 3Y
- +8.0%
- Vol
- 3.7%
- Max DD
- -7.0%
- Sharpe
- 0.62
- 3Y win
- +59%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER