HealthyDirect · GrowthFit for a long SIP
TRUSTMF MULTI CAP FUND
Trust Mutual FundEquity Scheme - Multi Cap Fund1.3 years
The scheme seeks to generate long-term capital appreciation by predominantly investing in a diversified portfolio of equity & equity related instruments across large cap, mid cap and small cap stocks.
- NAV
- 11.56
- 29 Oct 2026
- 1Y
- +9.6%
- Trailing CAGR
- AUM
- ₹913.52 Cr
- 30 Sept 2026
- Volatility
- Medium
- 14.5% 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 100% of rolling 1-year windows.
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Buy checklist
History depth
Fail
1.3 years - thin for judging consistency.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Watch
1.77% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -12.7%. 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 ≈ 29.9% 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 13%. 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+9.6%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+12.0%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+13.1%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +12.0%
- Calendar-day CAGR
- Excess 1Y
- +10.0%
- 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
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -12.7%
- Worst peak-to-trough
- Current
- -6.3%
- Below last peak
- Current spell
- 59 days
- Days below latest peak
- Time below peak
- +82%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 9 days
- 19 recovered episodes
- Longest recovery
- 44 days
- Trough to prior peak
17 Nov 2025 – 6 May 2026
Trough 23 Mar 2026 · recovered in 44 days
-12.7%
31 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-9.9%
19 Sept 2025 – 13 Oct 2025
Trough 26 Sept 2025 · recovered in 17 days
-3.7%
7 May 2026 – 27 May 2026
Trough 12 May 2026 · recovered in 15 days
-3.3%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
44
Vs category
100
Consistency
100
Risk-adjusted
48
Drawdown
68
Mean
72
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 100% of rolling 1-year windows.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 74 holdings · top 10 are 29.9%.
- Top 5
- 19.7%
- Top 10
- 29.9%
- Largest holding
- 7.8%
- Effective holdings
- 49.6
Repo/CBLO
Unspecified
7.8%
ICICI Bank Ltd
Financial
4.0%
Multi Commodity Exchange Of India Ltd
Financial
2.7%
Zomato Ltd
Technology
2.6%
Lenskart Solutions Ltd.
Consumer Discretionary
2.5%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Aditya Birla Sun Life Multi-Cap Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +0.9%
- 3Y
- +14.0%
- Vol
- 14.0%
- Max DD
- -20.0%
- Sharpe
- 0.67
- 3Y win
- +16%
- Lower volatility
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
BANDHAN MULTI CAP FUND
Bandhan Mutual Fund
- 1Y
- -5.0%
- 3Y
- +12.0%
- Vol
- 13.3%
- Max DD
- -18.3%
- Sharpe
- 0.51
- 3Y win
- +57%
- Lower volatility
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
LIC MF Multi Cap Fund
LIC Mutual Fund
- 1Y
- +1.2%
- 3Y
- +17.1%
- Vol
- 14.2%
- Max DD
- -19.3%
- Sharpe
- 0.79
- 3Y win
- +100%
- Lower volatility
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
SBI MultiCap Fund
SBI Mutual Fund
- 1Y
- -6.7%
- 3Y
- +12.0%
- Vol
- 12.2%
- Max DD
- -15.1%
- Sharpe
- 0.49
- 3Y win
- +5%
- Lower volatility
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
TATA MULTICAP FUND
Tata Mutual Fund
- 1Y
- -0.7%
- 3Y
- +9.6%
- Vol
- 14.3%
- Max DD
- -22.4%
- Sharpe
- 0.44
- 3Y win
- 0%
- Lower volatility
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown