HealthyDirect · GrowthFit for a long SIP
TRUSTMF SMALL CAP FUND
- NAV
- 13.52
- 29 Oct 2026
- 1Y
- +21.2%
- Trailing CAGR
- AUM
- ₹3,877.01 Cr
- 30 Sept 2026
- Volatility
- High
- 18.6% 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 · Risk-adjusted return sits above the documented risk-free proxy.
Buy checklist
History depth
Fail
2.0 years - thin for judging consistency.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
1.47% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -24.0%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
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
Pass
Top 10 holdings ≈ 25.1% 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 24%. 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+21.2%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+16.1%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+30.8%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +16.1%
- Calendar-day CAGR
- Excess 1Y
- +16.4%
- 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
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -24.0%
- Worst peak-to-trough
- Current
- -5.2%
- Below last peak
- Current spell
- 51 days
- Days below latest peak
- Time below peak
- +86%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 14 days
- 26 recovered episodes
- Longest recovery
- 234 days
- Trough to prior peak
3 Jan 2025 – 23 Oct 2025
Trough 3 Mar 2025 · recovered in 234 days
-24.0%
17 Nov 2025 – 22 Apr 2026
Trough 23 Mar 2026 · recovered in 30 days
-14.0%
8 Sept 2026 – open
Trough 23 Oct 2026 · not recovered
-10.2%
7 Nov 2024 – 26 Nov 2024
Trough 13 Nov 2024 · recovered in 13 days
-4.5%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
69
Vs category
100
Consistency
100
Risk-adjusted
55
Drawdown
40
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
- The fund beat the category median in 100% of rolling 1-year windows.
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
30 Sept 2026 · 73 holdings · top 10 are 25.1%.
- Top 5
- 15.0%
- Top 10
- 25.1%
- Largest holding
- 6.0%
- Effective holdings
- 58.1
Repo/CBLO
Unspecified
6.0%
Lenskart Solutions Ltd.
Consumer Discretionary
2.4%
RBL Bank Ltd
Financial
2.2%
Sansera Engineering Ltd
Consumer Discretionary
2.2%
Shadowfax Technologies Ltd.
Industrials
2.1%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Bajaj Finserv Small Cap Fund
Bajaj Finserv Mutual Fund
- 1Y
- +9.5%
- 3Y
- n/a
- Vol
- 16.2%
- Max DD
- -16.2%
- Sharpe
- 0.10
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
BANDHAN Small Cap Fund
Bandhan Mutual Fund
- 1Y
- +2.5%
- 3Y
- +22.6%
- Vol
- 17.2%
- Max DD
- -24.3%
- Sharpe
- 1.24
- 3Y win
- +76%
- Lower volatility
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
Motilal Oswal Small Cap Fund
Motilal Oswal Mutual Fund
- 1Y
- +12.3%
- 3Y
- n/a
- Vol
- 17.3%
- Max DD
- -23.7%
- Sharpe
- 0.80
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
QUANTUM SMALL CAP FUND
Quantum Mutual Fund
- 1Y
- +0.1%
- 3Y
- n/a
- Vol
- 14.5%
- Max DD
- -18.2%
- Sharpe
- 0.31
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Aditya Birla Sun Life Small Cap Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +9.5%
- 3Y
- +14.5%
- Vol
- 17.2%
- Max DD
- -57.4%
- Sharpe
- 0.65
- 3Y win
- +18%
- Lower volatility
- Lower TER
Caveat: Deeper drawdown · Lower trailing returns