HealthyDirect · GrowthFit for a long SIP
TRUSTMF Flexi Cap Fund
Trust Mutual FundEquity Scheme - Flexi Cap Fund2.5 years
The scheme seeks to provide long-term growth in capital and income to investors, through active management of investments in a diversified portfolio of equity and equity-related securities across the entire market capitalization spectrum and in debt and money market instruments.
- NAV
- 12.39
- 29 Oct 2026
- 1Y
- +3.4%
- Trailing CAGR
- Upside capture
- +113%
- Vs NIFTY 500 TRI
- Downside capture
- +84%
- 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
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 61% of rolling 1-year windows.
Buy checklist
History depth
Fail
2.5 years - thin for judging consistency.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Watch
1.74% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -18.9%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
Watch
Saurabh Kataria · 0.5 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 ≈ 36.8% 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 19%. 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+3.4%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+8.9%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+8.9%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +8.9%
- Calendar-day CAGR
- Excess 1Y
- +8.4%
- 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 500 TRI. Capture ratios use common month-end observations through 30 Oct 2026.
- 1Y excess
- +11.0%
- Fund minus TRI
- 3Y excess
- n/a
- Fund minus TRI
- Upside capture
- +113%
- Benchmark-up months
- Downside capture
- +84%
- Lower is better
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -18.9%
- Worst peak-to-trough
- Current
- -5.4%
- Below last peak
- Current spell
- 64 days
- Days below latest peak
- Time below peak
- +90%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 26 days
- 22 recovered episodes
- Longest recovery
- 480 days
- Trough to prior peak
16 Dec 2024 – 31 Jul 2026
Trough 7 Apr 2025 · recovered in 480 days
-18.9%
26 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-8.7%
3 Jun 2024 – 13 Jun 2024
Trough 4 Jun 2024 · recovered in 9 days
-8.1%
24 Sept 2024 – 5 Dec 2024
Trough 13 Nov 2024 · recovered in 22 days
-6.8%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
30
Vs category
100
Consistency
61
Risk-adjusted
38
Drawdown
53
Mean
56
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 61% of rolling 1-year windows.
Portfolio
30 Sept 2026 · 60 holdings · top 10 are 36.8%.
- Top 5
- 24.3%
- Top 10
- 36.8%
- Largest holding
- 7.8%
- Effective holdings
- 39.3
Repo/CBLO
Unspecified
7.8%
ICICI Bank Ltd
Financial
6.2%
Bharti Airtel Ltd
Technology
3.6%
Zomato Ltd
Technology
3.5%
Titan Company Ltd
Consumer Discretionary
3.3%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
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
- Lower TER
- Higher trailing returns
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
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
Capitalmind Flexi Cap Fund
Capitalmind Mutual Fund
- 1Y
- -1.3%
- 3Y
- n/a
- Vol
- 12.3%
- Max DD
- -10.1%
- Sharpe
- -0.32
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
Franklin India Flexi Cap Fund
Franklin Templeton Mutual Fund
- 1Y
- -9.4%
- 3Y
- +10.5%
- Vol
- 15.2%
- Max DD
- -37.7%
- Sharpe
- 0.62
- 3Y win
- +65%
- Lower volatility
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
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
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown