HealthyDirect · GrowthFit for a long SIP
Motilal Oswal S&P 500 Index Fund
Motilal Oswal Mutual FundOther Scheme - Index Funds6.5 years
- NAV
- 33.9418
- 29 Oct 2026
- 1Y
- +21.3%
- Trailing CAGR
- AUM
- ₹3,046.29 Cr
- 30 Jun 2026
- Volatility
- High
- 16.8% 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 64% of rolling 1-year windows.
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Pass
6.5 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.64% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -19.9%. Ask whether you can hold through a similar fall.
Vs category
Watch
48% 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
n/a
Holdings weights not on file for this scheme yet.
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 20%. 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+21.3%
- 3Y+29.2%
- 5Y+16.9%
- 10Yn/a
- SI+21.0%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+21.2%
- 3Y+24.5%
- 5Y+22.5%
- 10Yn/a
- Since inception
- +21.0%
- Calendar-day CAGR
- Excess 1Y
- +25.3%
- Category median, same plan and option
- 3Y win rate
- +48%
- Windows beating the median
- 3Y percentile
- 100
- Vs comparable share classes
- SIP 3Y XIRR
- +24.5%
- Simulated monthly SIP
- Worst rolling 3Y
- +8.5%
- 863 daily-ending windows
- Median rolling 3Y
- +15.8%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 373 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -19.9%
- Worst peak-to-trough
- Current
- -2.7%
- Below last peak
- Current spell
- 20 days
- Days below latest peak
- Time below peak
- +82%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 9 days
- 136 recovered episodes
- Longest recovery
- 361 days
- Trough to prior peak
16 Dec 2021 – 13 Jun 2023
Trough 17 Jun 2022 · recovered in 361 days
-19.9%
19 Feb 2025 – 2 Jul 2025
Trough 8 Apr 2025 · recovered in 85 days
-19.4%
31 Jul 2023 – 20 Nov 2023
Trough 27 Oct 2023 · recovered in 24 days
-9.0%
3 Sept 2020 – 10 Nov 2020
Trough 24 Sept 2020 · recovered in 47 days
-9.0%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
100
Vs category
100
Consistency
56
Risk-adjusted
69
Drawdown
50
Mean
75
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 64% of rolling 1-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
No holdings or recent changes on file for this scheme yet.
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
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
- +50%
- 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 India Manufacturing Index Fund
Nippon India Mutual Fund
- 1Y
- -1.8%
- 3Y
- n/a
- Vol
- 15.2%
- Max DD
- -12.8%
- Sharpe
- -0.01
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
ICICI Prudential Nifty Midcap 150 Index Fund
ICICI Prudential Mutual Fund
- 1Y
- -3.9%
- 3Y
- +13.7%
- Vol
- 16.7%
- Max DD
- -21.1%
- Sharpe
- 0.53
- 3Y win
- +100%
- Lower volatility
- Higher win rate vs category
- Lower TER
Caveat: Deeper drawdown · Lower trailing returns