HealthyDirect · GrowthFit for a long SIP
Motilal Oswal Small Cap Fund
Motilal Oswal Mutual FundEquity Scheme - Small Cap Fund2.8 years
The scheme seeks to generate capital appreciation by investing predominantly in Small Cap stocks.
- NAV
- 16.4684
- 30 Oct 2026
- 1Y
- +10.6%
- Trailing CAGR
- Upside capture
- +110%
- Vs NIFTY SMALLCAP 250 TRI
- Downside capture
- +71%
- Lower is better
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 84% of rolling 1-year windows.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Buy checklist
History depth
Fail
2.8 years - thin for judging consistency.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.88% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -23.7%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
Watch
Ankit Agarwal · 0.2 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 ≈ 35.1% 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 24%. 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+10.6%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+18.9%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+18.2%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +18.9%
- Calendar-day CAGR
- Excess 1Y
- +5.5%
- 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
Official benchmark
Date-aligned against NIFTY SMALLCAP 250 TRI. Capture ratios use common month-end observations through 30 Oct 2026.
- 1Y excess
- +13.8%
- Fund minus TRI
- 3Y excess
- n/a
- Fund minus TRI
- Upside capture
- +110%
- Benchmark-up months
- Downside capture
- +71%
- Lower is better
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -23.7%
- Worst peak-to-trough
- Current
- -7.9%
- Below last peak
- Current spell
- 52 days
- Days below latest peak
- Time below peak
- +84%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 17 days
- 37 recovered episodes
- Longest recovery
- 430 days
- Trough to prior peak
17 Dec 2024 – 7 May 2026
Trough 3 Mar 2025 · recovered in 430 days
-23.7%
8 Sept 2026 – open
Trough 23 Oct 2026 · not recovered
-9.5%
27 Feb 2024 – 1 Apr 2024
Trough 13 Mar 2024 · recovered in 19 days
-9.2%
15 Oct 2024 – 29 Nov 2024
Trough 13 Nov 2024 · recovered in 16 days
-7.8%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
46
Vs category
84
Consistency
84
Risk-adjusted
63
Drawdown
41
Mean
64
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 84% of rolling 1-year windows.
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
30 Sept 2026 · 60 holdings · top 10 are 35.1%.
- Top 5
- 21.8%
- Top 10
- 35.1%
- Largest holding
- 7.2%
- Effective holdings
- 41.7
Repo
Unspecified
7.2%
Rubicon Research Ltd.
Healthcare
3.8%
VA Tech Wabag Ltd
Energy & Utilities
3.8%
CCL Products (India) Ltd
Consumer Staples
3.5%
Aditya Infotech Ltd.
Technology
3.4%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Nippon India Small Cap Fund
Nippon India Mutual Fund
- 1Y
- -0.2%
- 3Y
- +13.0%
- Vol
- 17.3%
- Max DD
- -48.6%
- Sharpe
- 0.97
- 3Y win
- +97%
- Lower volatility
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
Bajaj Finserv Small Cap Fund
Bajaj Finserv Mutual Fund
- 1Y
- +7.8%
- 3Y
- n/a
- Vol
- 16.2%
- Max DD
- -16.2%
- Sharpe
- 0.04
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
BANK OF INDIA SMALL CAP FUND
Bank of India Mutual Fund
- 1Y
- +16.7%
- 3Y
- +18.6%
- Vol
- 18.1%
- Max DD
- -32.4%
- Sharpe
- 1.08
- 3Y win
- +84%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
BANDHAN Small Cap Fund
Bandhan Mutual Fund
- 1Y
- +1.2%
- 3Y
- +21.6%
- Vol
- 17.2%
- Max DD
- -24.3%
- Sharpe
- 1.22
- 3Y win
- +76%
- Lower volatility
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
DSP Small Cap Fund
DSP Mutual Fund
- 1Y
- +9.5%
- 3Y
- +15.7%
- Vol
- 16.5%
- Max DD
- -49.1%
- Sharpe
- 0.89
- 3Y win
- +30%
- Lower volatility
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown