MonitorDirect · GrowthWatch before adding
Navi Flexi Cap Fund
Navi Mutual FundEquity Scheme - Flexi Cap Fund8.3 years
The scheme to generate capital appreciation in the long term through equity investments by investing in a diversified portfolio of large cap, mid cap and small cap companies as defined by SEBI from time to time.
- NAV
- 27.9627
- 29 Oct 2026
- 1Y
- +2.7%
- Trailing CAGR
- Upside capture
- +99%
- Vs NIFTY 500 TRI
- Downside capture
- +92%
- 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 29 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Maximum drawdown exceeded 35%.
Prefer peers if · Prefer Parag Parikh Flexi Cap Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
8.3 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.70% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Watch
Peak-to-trough -37.9%. Ask whether you can hold through a similar fall.
Vs category
Fail
35% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Watch
Rushabh Patel · 0.1 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 ≈ 31.5% 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.
Drawdown rehearsal
This scheme’s worst fall on file is about 38%. 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
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+11.4%
- 5Y+9.9%
- 10Yn/a
- SI+13.2%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+4.3%
- 3Y+6.7%
- 5Y+10.5%
- 10Yn/a
- Since inception
- +13.2%
- Calendar-day CAGR
- Excess 1Y
- +7.6%
- Category median, same plan and option
- 3Y win rate
- +35%
- Windows beating the median
- 3Y percentile
- 57
- Vs comparable share classes
- SIP 3Y XIRR
- +6.7%
- Simulated monthly SIP
- Worst rolling 3Y
- +9.6%
- 1307 daily-ending windows
- Median rolling 3Y
- +16.5%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 815 daily-ending windows
Official benchmark
Date-aligned against NIFTY 500 TRI. Capture ratios use common month-end observations through 30 Oct 2026.
- 1Y excess
- +10.3%
- Fund minus TRI
- 3Y excess
- +1.0%
- Fund minus TRI
- Upside capture
- +99%
- Benchmark-up months
- Downside capture
- +92%
- Lower is better
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -37.9%
- Worst peak-to-trough
- Current
- -5.9%
- Below last peak
- Current spell
- 78 days
- Days below latest peak
- Time below peak
- +87%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 17 days
- 94 recovered episodes
- Longest recovery
- 433 days
- Trough to prior peak
12 Feb 2020 – 24 Nov 2020
Trough 23 Mar 2020 · recovered in 246 days
-37.9%
27 Sept 2024 – 7 May 2026
Trough 28 Feb 2025 · recovered in 433 days
-19.3%
17 Jan 2022 – 1 Nov 2022
Trough 20 Jun 2022 · recovered in 134 days
-18.0%
31 Aug 2018 – 28 Mar 2019
Trough 26 Oct 2018 · recovered in 153 days
-14.5%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
57
Vs category
98
Consistency
41
Risk-adjusted
49
Drawdown
5
Mean
50
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
- Maximum drawdown exceeded 35%.
Supporting reads
No supporting reads in the current evidence set.
Portfolio
30 Sept 2026 · 73 holdings · top 10 are 31.5%.
- Top 5
- 18.9%
- Top 10
- 31.5%
- Largest holding
- 5.3%
- Effective holdings
- 50.2
Cash/Net Current Assets
Unspecified
5.3%
Axis Bank Ltd
Financial
3.6%
ICICI Bank Ltd
Financial
3.6%
HDFC Bank Ltd
Financial
3.3%
Usha Martin Ltd
Materials
3.1%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Parag Parikh Flexi Cap Fund
PPFAS Mutual Fund
- 1Y
- -7.0%
- 3Y
- +12.5%
- Vol
- 11.9%
- Max DD
- -31.2%
- Sharpe
- 0.96
- 3Y win
- +88%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Bajaj Finserv Flexi Cap Fund
Bajaj Finserv Mutual Fund
- 1Y
- -0.3%
- 3Y
- +15.8%
- Vol
- 13.1%
- Max DD
- -17.5%
- Sharpe
- 0.69
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
BANK OF INDIA FLEXI CAP FUND
Bank of India Mutual Fund
- 1Y
- +3.1%
- 3Y
- +18.6%
- Vol
- 16.6%
- Max DD
- -23.7%
- Sharpe
- 1.09
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
Baroda BNP Paribas Flexi Cap Fund
Baroda BNP Paribas Mutual Fund
- 1Y
- -3.8%
- 3Y
- +11.9%
- Vol
- 13.9%
- Max DD
- -20.4%
- Sharpe
- 0.48
- 3Y win
- +78%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
ITI Flexi Cap Fund
ITI Mutual Fund
- 1Y
- +6.5%
- 3Y
- +18.5%
- Vol
- 15.4%
- Max DD
- -21.4%
- Sharpe
- 1.00
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER