HealthyDirect · GrowthFit for a long SIP
Nippon India Equity Savings Fund (Existing number of Segregated Portfolios - 2)
Nippon India Mutual FundHybrid Scheme - Equity Savings7.1 years
- NAV
- 0.6828
- 21 Mar 2025
- 1Y
- +126.1%
- Trailing CAGR
- AUM
- ₹1.15 Cr
- 31 Mar 2025
- Volatility
- n/a
- History still thin
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 21 Mar 2025
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · Three-year return is above the category median.
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Watch if · Risk metrics are withheld because the NAV history contains an implausible daily move above 50%.
Buy checklist
History depth
Pass
7.1 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.99% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough 0.0%. Ask whether you can hold through a similar fall.
Vs category
Fail
0% 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 0%. 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+126.1%
- 3Y+31.2%
- 5Y+17.7%
- 10Yn/a
- SI+16.0%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+294.9%
- 3Y+60.9%
- 5Y+33.4%
- 10Yn/a
- Since inception
- +16.0%
- Calendar-day CAGR
- Excess 1Y
- +125.0%
- Category median, same plan and option
- 3Y win rate
- +0%
- Windows beating the median
- 3Y percentile
- 92
- Vs comparable share classes
- SIP 3Y XIRR
- +60.9%
- Simulated monthly SIP
- Worst rolling 3Y
- 0.0%
- 612 daily-ending windows
- Median rolling 3Y
- 0.0%
- Calendar-day CAGR
- Positive rolling 5Y
- +1%
- 122 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- 0.0%
- Worst peak-to-trough
- Current
- 0.0%
- At peak
- Current spell
- 0 days
- Days below latest peak
- Time below peak
- 0%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- n/a
- 0 recovered episodes
- Longest recovery
- n/a
- Trough to prior peak
No completed or open drawdown episodes in the current snapshots.
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
92
Vs category
100
Consistency
0
Risk-adjusted
n/a
Drawdown
100
Mean
73
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
- Three-year return is above the category median.
- Peak-to-trough drawdown has stayed shallower than 15%.
Risk metrics are withheld because the NAV history contains an implausible daily move above 50%.
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 EQUITY SAVINGS FUND
Bandhan Mutual Fund
- 1Y
- +3.0%
- 3Y
- +7.1%
- Vol
- 4.6%
- Max DD
- -17.3%
- Sharpe
- 0.31
- 3Y win
- +7%
- Higher win rate vs category
- Lower TER
Caveat: Deeper drawdown · Lower trailing returns
Franklin India Equity Savings Fund
Franklin Templeton Mutual Fund
- 1Y
- +2.3%
- 3Y
- +7.2%
- Vol
- 5.8%
- Max DD
- -16.7%
- Sharpe
- 0.36
- 3Y win
- +29%
- Higher win rate vs category
- Lower TER
Caveat: Deeper drawdown · Lower trailing returns
Tata Equity Savings Fund
Tata Mutual Fund
- 1Y
- +7.5%
- 3Y
- +10.6%
- Vol
- 4.9%
- Max DD
- -13.9%
- Sharpe
- 0.54
- 3Y win
- +14%
- Higher win rate vs category
- Lower TER
Caveat: Deeper drawdown · Lower trailing returns
Aditya Birla Sun Life Equity Savings Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +2.7%
- 3Y
- +7.6%
- Vol
- 6.0%
- Max DD
- -17.8%
- Sharpe
- 0.39
- 3Y win
- +32%
- Higher win rate vs category
Caveat: Deeper drawdown · Higher TER · Lower trailing returns
Bajaj Finserv Equity Savings Fund
Bajaj Finserv Mutual Fund
- 1Y
- +3.6%
- 3Y
- n/a
- Vol
- 2.4%
- Max DD
- -1.6%
- Sharpe
- -0.86
- 3Y win
- n/a
- Higher win rate vs category
Caveat: Deeper drawdown · Higher TER · Lower trailing returns