A ₹10,000 monthly SIP in this flexi-cap mutual fund has turned into over ₹16 lakh in 8 years

A ₹10,000 monthly SIP in this flexi-cap mutual fund has turned into over ₹16 lakh in 8 years


A monthly SIP of ₹10,000 in the Navi Flexicap Fund since its launch in July 2018 would have grown to ₹16.48 lakh by April 30, against a total investment of ₹9.4 lakh, according to data released by Navi Mutual Fund.

The fund house also said its historical rolling return data shows that all five-year holding periods delivered annualised returns of over 10%, based on data till April 2026.

For three-year holding periods, over 99% of observations generated returns above 10%, while for one-year periods the outcome was less consistent.

The data suggests that longer holding periods have historically improved the fund’s return profile. However, the fund house has also stated that past performance is not an indication of future performance.

Flexible allocation across market capitalisation

The flexi-cap fund follows an investment approach that allows it to move away from benchmark weights across large-, mid-, small- and micro-cap stocks.

As of April 30, 2026, the portfolio had:

  • 41.9% in large-cap stocks, lower than the Nifty 500’s 69.2% weight.
  • 11.9% in mid-caps.
  • 17.8% in small-caps within the Nifty 500 universe.
  • 20.3% in micro-cap stocks outside the Nifty 500.
  • 8.3% in cash and money market instruments.

Investment philosophy

According to the fund house, stock selection is based on five broad principles: corporate governance, sustainable growth, strong balance sheets, valuation discipline with a margin of safety, and flexible allocation across market capitalisations.

It said companies with weak governance or poor capital allocation are excluded irrespective of their financial performance.

Investors should keep risks in mind

While the historical returns may appear attractive, investors should note that flexi-cap funds invest across market segments, including smaller companies, which can be more volatile than large-cap stocks.

Future returns may differ significantly from historical performance.



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