5 ਸਰਬੋਤਮ ਜੇ ਐਮ ਵਿੱਤੀ ਐਸਆਈਪੀ ਫੰਡ 2020

Updated on November 2, 2025 , 1692 views

ਜੇ ਐਮ ਵਿੱਤੀਐਸ.ਆਈ.ਪੀ. ਕਰਨ ਲਈ ਇੱਕ ਕੁਸ਼ਲ ਤਰੀਕਾ ਹੈਮਿਉਚੁਅਲ ਫੰਡਾਂ ਵਿਚ ਨਿਵੇਸ਼ ਕਰੋ. ਇੱਕ ਐਸਆਈਪੀ ਇੱਕ methodੰਗ ਹੈਨਿਵੇਸ਼ ਇੱਕ ਨਿਯਮਤ ਅਧਾਰ ਤੇ, ਇੱਕ ਵਿੱਚਮਿਉਚੁਅਲ ਫੰਡ ਸਕੀਮ. ਇਹ ਨਿਯਮਤ ਬਚਤ ਸਕੀਮਾਂ ਵਾਂਗ ਹੀ ਹੈ ਜਿਵੇਂ ਕਿਆਵਰਤੀ ਜਮ੍ਹਾਂ ਰਕਮ. ਇੱਥੇ, ਤੁਸੀਂ ਇੱਕ ਨਿਰਧਾਰਤ ਅੰਤਰਾਲ 'ਤੇ ਥੋੜ੍ਹੀ ਜਿਹੀ ਰਕਮ ਦਾ ਨਿਵੇਸ਼ ਕਰ ਸਕਦੇ ਹੋ. ਐਸਆਈਪੀ ਤੁਹਾਨੂੰ ਲੰਬੀ ਮਿਆਦ ਦੀ ਪ੍ਰਾਪਤੀ ਵਿਚ ਸਹਾਇਤਾ ਕਰਦੀ ਹੈਵਿੱਤੀ ਟੀਚੇ ਇਥੋਂ ਤਕ ਕਿ ਮਹੀਨਾਵਾਰ ਨਿਵੇਸ਼ ਕੀਤੀ ਥੋੜ੍ਹੀ ਜਿਹੀ ਰਕਮ ਦੇ ਨਾਲ. ਇੱਕਨਿਵੇਸ਼ਕ ਮਹੀਨਾਵਾਰ / ਤਿਮਾਹੀ ਜਿਹੇ ਨਿਵੇਸ਼ਾਂ ਦੇ ਸਮੇਂ-ਸਮੇਂ ਤੇ ਅੰਤਰ ਨਾਲ 500 ਰੁਪਏ ਦੇ ਰੂਪ ਵਿੱਚ ਘੱਟ ਨਿਵੇਸ਼ ਕਰ ਸਕਦਾ ਹੈ. ਇਹ ਸਧਾਰਣ ਅਤੇ ਕਿਫਾਇਤੀ ਹੈ. ਨਿਵੇਸ਼ਕ ਜੋ ਇਕੁਇਟੀ, ਸਿਸਟਮਟਿਕ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨਾ ਚਾਹੁੰਦੇ ਹਨਨਿਵੇਸ਼ ਦੀ ਯੋਜਨਾ ਦੁਆਰਾ ਨਿਵੇਸ਼ ਕਰਨ ਦਾ ਇੱਕ ਆਦਰਸ਼ ਤਰੀਕਾ ਹੈ. ਐਸਆਈਪੀ ਇਕੁਇਟੀ ਨਿਵੇਸ਼ਾਂ ਦੀਆਂ ਮੁਸ਼ਕਲਾਂ ਨੂੰ ਸੰਤੁਲਿਤ ਕਰਦਾ ਹੈ.

ਜੇ ਐਮ ਵਿੱਤੀ ਐਸਆਈਪੀ ਫੰਡਾਂ ਵਿੱਚ ਕਿਉਂ ਨਿਵੇਸ਼ ਕਰੋ?

ਦੇ ਕੁਝਐਸਆਈਪੀ ਦੇ ਲਾਭ ਹਨ:

ਰੁਪਏ ਦੀ costਸਤਨ ਕੀਮਤ
ਮਿਸ਼ਰਣ ਦੀ ਸ਼ਕਤੀ
ਲੰਬੀ ਮਿਆਦ ਦੀ ਬਚਤ ਦੀ ਆਦਤ
ਕਿਫਾਇਤੀ ਅਤੇ ਲਚਕਦਾਰ
ਮਾਰਕੀਟ ਨੂੰ ਸਮੇਂ ਦੀ ਜ਼ਰੂਰਤ ਨਹੀਂ

ਨਿਵੇਸ਼ਕ ਜੋ ਚਾਹਵਾਨ ਹਨਇੱਕ ਐਸਆਈਪੀ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰੋ, ਇੱਥੇ ਨਿਵੇਸ਼ ਕਰਨ ਲਈ ਸਭ ਤੋਂ ਵਧੀਆ ਜੇ ਐਮ ਵਿੱਤੀ ਐਸਆਈਪੀ ਫੰਡ ਹਨਇਕਵਿਟੀ ਫੰਡ. ਇਹ ਫੰਡ ਵੱਖ-ਵੱਖ ਮਾਪਦੰਡਾਂ ਜਿਵੇਂ ਕਿ ਏਯੂਐਮ, ਪਿਛਲੇ ਪ੍ਰਦਰਸ਼ਨ, ਪੀਅਰ averageਸਤਨ ਰਿਟਰਨ ਅਤੇ ਹੋਰ ਜਾਣਕਾਰੀ ਅਨੁਪਾਤ, ਆਦਿ ਦੁਆਰਾ ਸ਼ਾਰਟਲਿਸਟ ਕੀਤੇ ਗਏ ਹਨ.

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ਵਧੀਆ ਜੇ ਐਮ ਵਿੱਤੀ ਐਸਆਈਪੀ ਮਿਉਚੁਅਲ ਫੰਡ

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
JM Value Fund Growth	₹97.9126 ↓ -0.68	₹1,019	500	1.3	6.5	-4.8	23	25	25.1
JM Multicap Fund Growth	₹98.5239 ↓ -0.86	₹5,943	500	2.9	4.9	-4.9	21.4	25.2	33.3
JM Tax Gain Fund Growth	₹50.0334 ↓ -0.38	₹210	500	5.4	10.8	1.6	20.1	22.3	29
JM Core 11 Fund Growth	₹20.5278 ↓ -0.11	₹283	500	5.7	10.5	1	19	20	24.3
JM Large Cap Fund Growth	₹157.441 ↓ -0.76	₹490	500	4.7	8.4	0.6	15.5	16.8	15.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Nov 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	JM Value Fund	JM Multicap Fund	JM Tax Gain Fund	JM Core 11 Fund	JM Large Cap Fund
Point 1	Upper mid AUM (₹1,019 Cr).	Highest AUM (₹5,943 Cr).	Bottom quartile AUM (₹210 Cr).	Bottom quartile AUM (₹283 Cr).	Lower mid AUM (₹490 Cr).
Point 2	Established history (28+ yrs).	Established history (17+ yrs).	Established history (17+ yrs).	Established history (17+ yrs).	Oldest track record among peers (30 yrs).
Point 3	Top rated.	Rating: 4★ (upper mid).	Rating: 3★ (bottom quartile).	Rating: 4★ (lower mid).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.
Point 5	5Y return: 25.04% (upper mid).	5Y return: 25.24% (top quartile).	5Y return: 22.27% (lower mid).	5Y return: 20.02% (bottom quartile).	5Y return: 16.83% (bottom quartile).
Point 6	3Y return: 22.96% (top quartile).	3Y return: 21.39% (upper mid).	3Y return: 20.10% (lower mid).	3Y return: 18.96% (bottom quartile).	3Y return: 15.49% (bottom quartile).
Point 7	1Y return: -4.79% (bottom quartile).	1Y return: -4.91% (bottom quartile).	1Y return: 1.56% (top quartile).	1Y return: 1.02% (upper mid).	1Y return: 0.60% (lower mid).
Point 8	Alpha: -10.12 (bottom quartile).	Alpha: -8.50 (bottom quartile).	Alpha: -3.68 (top quartile).	Alpha: -5.21 (upper mid).	Alpha: -7.84 (lower mid).
Point 9	Sharpe: -1.17 (bottom quartile).	Sharpe: -1.13 (bottom quartile).	Sharpe: -0.85 (top quartile).	Sharpe: -0.92 (upper mid).	Sharpe: -1.11 (lower mid).
Point 10	Information ratio: 1.05 (upper mid).	Information ratio: 1.09 (top quartile).	Information ratio: 0.80 (lower mid).	Information ratio: 0.54 (bottom quartile).	Information ratio: 0.25 (bottom quartile).

JM Value Fund

Upper mid AUM (₹1,019 Cr).
Established history (28+ yrs).
Top rated.
Risk profile: High.
5Y return: 25.04% (upper mid).
3Y return: 22.96% (top quartile).
1Y return: -4.79% (bottom quartile).
Alpha: -10.12 (bottom quartile).
Sharpe: -1.17 (bottom quartile).
Information ratio: 1.05 (upper mid).

JM Multicap Fund

Highest AUM (₹5,943 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 25.24% (top quartile).
3Y return: 21.39% (upper mid).
1Y return: -4.91% (bottom quartile).
Alpha: -8.50 (bottom quartile).
Sharpe: -1.13 (bottom quartile).
Information ratio: 1.09 (top quartile).

JM Tax Gain Fund

Bottom quartile AUM (₹210 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 22.27% (lower mid).
3Y return: 20.10% (lower mid).
1Y return: 1.56% (top quartile).
Alpha: -3.68 (top quartile).
Sharpe: -0.85 (top quartile).
Information ratio: 0.80 (lower mid).

JM Core 11 Fund

Bottom quartile AUM (₹283 Cr).
Established history (17+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 20.02% (bottom quartile).
3Y return: 18.96% (bottom quartile).
1Y return: 1.02% (upper mid).
Alpha: -5.21 (upper mid).
Sharpe: -0.92 (upper mid).
Information ratio: 0.54 (bottom quartile).

JM Large Cap Fund

Lower mid AUM (₹490 Cr).
Oldest track record among peers (30 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.83% (bottom quartile).
3Y return: 15.49% (bottom quartile).
1Y return: 0.60% (lower mid).
Alpha: -7.84 (lower mid).
Sharpe: -1.11 (lower mid).
Information ratio: 0.25 (bottom quartile).

1. JM Value Fund

(Erstwhile JM Basic Fund)

The primary objective of the Scheme will be to provide capital appreciation to its Unitholders through judicious deployment of the corpus of the Scheme in sectors categorized under “basic industry” in the normal parlance and in context of the Indian economy, including but not limited to, energy, petrochemicals, oil & gas, power generation & distribution and electrical equipment suppliers, metals and building material. The fund would continue to remain open-ended with a sector focus.

Research Highlights for JM Value Fund

Upper mid AUM (₹1,019 Cr).
Established history (28+ yrs).
Top rated.
Risk profile: High.
5Y return: 25.04% (upper mid).
3Y return: 22.96% (top quartile).
1Y return: -4.79% (bottom quartile).
Alpha: -10.12 (bottom quartile).
Sharpe: -1.17 (bottom quartile).
Information ratio: 1.05 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~100%).
Largest holding Godfrey Phillips India Ltd (~4.9%).

Below is the key information for JM Value Fund

JM Value Fund Growth
Launch Date	2 Jun 97
NAV (04 Nov 25)	₹97.9126 ↓ -0.68 (-0.69 %)
Net Assets (Cr)	₹1,019 on 31 Aug 25
Category	Equity - Value
AMC	JM Financial Asset Management Limited
Rating	☆☆☆☆
Risk	High
Expense Ratio	2.23
Sharpe Ratio	-1.17
Information Ratio	1.05
Alpha Ratio	-10.12
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-60 Days (1%),60 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹16,691
31 Oct 22	₹16,877
31 Oct 23	₹22,295
31 Oct 24	₹33,117
31 Oct 25	₹31,484

JM Value Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 Invest Now

Returns for JM Value Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Nov 25

Duration	Returns
1 Month	0.9%
3 Month	1.3%
6 Month	6.5%
1 Year	-4.8%
3 Year	23%
5 Year	25%
10 Year
15 Year
Since launch	16.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	25.1%
2023	47.7%
2022	5.3%
2021	36.3%
2020	13.4%
2019	11.9%
2018	-11.2%
2017	44.6%
2016	12.1%
2015	3.5%

Fund Manager information for JM Value Fund

Name	Since	Tenure
Satish Ramanathan	20 Aug 21	4.12 Yr.
Asit Bhandarkar	11 Dec 06	18.82 Yr.
Ruchi Fozdar	4 Oct 24	0.99 Yr.
Deepak Gupta	11 Apr 25	0.47 Yr.

Data below for JM Value Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	28.01%
Consumer Cyclical	22.49%
Industrials	16.48%
Technology	7.78%
Basic Materials	7.06%
Consumer Defensive	6.99%
Communication Services	5.72%
Health Care	4.01%
Energy	1.24%

Asset Allocation

Asset Class	Value
Cash	0.23%
Equity	99.77%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Godfrey Phillips India Ltd (Consumer Defensive) Equity, Since 31 Aug 24 \| GODFRYPHLP	5%	₹50 Cr	146,367
Infosys Ltd (Technology) Equity, Since 31 May 18 \| INFY	4%	₹38 Cr	260,605 ↑ 30,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 12 \| HDFCBANK	3%	₹34 Cr	360,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Apr 09 \| LT	3%	₹34 Cr	92,613
CreditAccess Grameen Ltd Ordinary Shares (Financial Services) Equity, Since 31 Oct 24 \| CREDITACC	3%	₹31 Cr	225,630
Tech Mahindra Ltd (Technology) Equity, Since 30 Jun 24 \| 532755	3%	₹30 Cr	215,000
Restaurant Brands Asia Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 29 Feb 24 \| RBA	3%	₹30 Cr	3,894,908
Whirlpool of India Ltd (Consumer Cyclical) Equity, Since 30 Apr 25 \| 500238	3%	₹29 Cr	245,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 24 \| BHARTIARTL	3%	₹28 Cr	150,000
Motilal Oswal Financial Services Ltd (Financial Services) Equity, Since 30 Apr 25 \| MOTILALOFS	3%	₹27 Cr	303,220

2. JM Multicap Fund

(Erstwhile JM Multi Strategy Fund)

The investment objective of the Scheme is to provide capital appreciation by investing in equity and equity related securities using a combination of strategies.

Research Highlights for JM Multicap Fund

Highest AUM (₹5,943 Cr).
Established history (17+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately High.
5Y return: 25.24% (top quartile).
3Y return: 21.39% (upper mid).
1Y return: -4.91% (bottom quartile).
Alpha: -8.50 (bottom quartile).
Sharpe: -1.13 (bottom quartile).
Information ratio: 1.09 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~5.0%).

Below is the key information for JM Multicap Fund

JM Multicap Fund Growth
Launch Date	23 Sep 08
NAV (04 Nov 25)	₹98.5239 ↓ -0.86 (-0.86 %)
Net Assets (Cr)	₹5,943 on 31 Aug 25
Category	Equity - Multi Cap
AMC	JM Financial Asset Management Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.84
Sharpe Ratio	-1.13
Information Ratio	1.09
Alpha Ratio	-8.5
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-60 Days (1%),60 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹16,602
31 Oct 22	₹17,570
31 Oct 23	₹21,650
31 Oct 24	₹33,523
31 Oct 25	₹31,781

JM Multicap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 Invest Now

Returns for JM Multicap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Nov 25

Duration	Returns
1 Month	0.8%
3 Month	2.9%
6 Month	4.9%
1 Year	-4.9%
3 Year	21.4%
5 Year	25.2%
10 Year
15 Year
Since launch	14.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	33.3%
2023	40%
2022	7.8%
2021	32.9%
2020	11.4%
2019	16.6%
2018	-5.4%
2017	39.5%
2016	10.5%
2015	-2.8%

Fund Manager information for JM Multicap Fund

Name	Since	Tenure
Satish Ramanathan	20 Aug 21	4.12 Yr.
Asit Bhandarkar	1 Oct 24	1 Yr.
Ruchi Fozdar	4 Oct 24	0.99 Yr.
Deepak Gupta	11 Apr 25	0.47 Yr.

Data below for JM Multicap Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	27.74%
Consumer Cyclical	21.49%
Technology	15.69%
Industrials	11.65%
Consumer Defensive	6.79%
Health Care	5.85%
Energy	3.19%
Communication Services	2.95%
Basic Materials	2.93%
Real Estate	0.68%

Asset Allocation

Asset Class	Value
Cash	1.03%
Equity	98.96%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 21 \| ICICIBANK	5%	₹297 Cr	2,200,000
Godfrey Phillips India Ltd (Consumer Defensive) Equity, Since 28 Feb 25 \| GODFRYPHLP	4%	₹266 Cr	785,118
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 23 \| HDFCBANK	4%	₹224 Cr	2,355,252
Tech Mahindra Ltd (Technology) Equity, Since 31 Jul 24 \| 532755	3%	₹202 Cr	1,440,908
One97 Communications Ltd (Technology) Equity, Since 31 May 25 \| 543396	3%	₹186 Cr	1,654,322
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 10 \| LT	3%	₹183 Cr	500,000 ↓ -150,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 24 \| BHARTIARTL	3%	₹177 Cr	940,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Jan 25 \| MARUTI	3%	₹160 Cr	100,000
State Bank of India (Financial Services) Equity, Since 30 Nov 20 \| SBIN	3%	₹153 Cr	1,755,000
Eternal Ltd (Consumer Cyclical) Equity, Since 30 Nov 24 \| 543320	2%	₹146 Cr	4,470,323 ↑ 500,000

3. JM Tax Gain Fund

The investment objective is to generate long-term capital growth from a diversified and actively managed portfolio of equity and equity related securities and to enable investors a deduction from total income, as permitted under the Income Tax Act, 1961 from time to time. However, there can be no assurance that the investment objectives of the Scheme will be realized. The Scheme does not guarantee/indicate any returns.

Research Highlights for JM Tax Gain Fund

Bottom quartile AUM (₹210 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 22.27% (lower mid).
3Y return: 20.10% (lower mid).
1Y return: 1.56% (top quartile).
Alpha: -3.68 (top quartile).
Sharpe: -0.85 (top quartile).
Information ratio: 0.80 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding HDFC Bank Ltd (~4.4%).

Below is the key information for JM Tax Gain Fund

JM Tax Gain Fund Growth
Launch Date	31 Mar 08
NAV (04 Nov 25)	₹50.0334 ↓ -0.38 (-0.75 %)
Net Assets (Cr)	₹210 on 31 Aug 25
Category	Equity - ELSS
AMC	JM Financial Asset Management Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.37
Sharpe Ratio	-0.86
Information Ratio	0.8
Alpha Ratio	-3.68
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹16,303
31 Oct 22	₹16,143
31 Oct 23	₹18,504
31 Oct 24	₹27,673
31 Oct 25	₹28,069

JM Tax Gain Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 Invest Now

Returns for JM Tax Gain Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Nov 25

Duration	Returns
1 Month	2.4%
3 Month	5.4%
6 Month	10.8%
1 Year	1.6%
3 Year	20.1%
5 Year	22.3%
10 Year
15 Year
Since launch	9.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	29%
2023	30.9%
2022	0.5%
2021	32.2%
2020	18.3%
2019	14.9%
2018	-4.6%
2017	42.6%
2016	5.2%
2015	-0.6%

Fund Manager information for JM Tax Gain Fund

Name	Since	Tenure
Satish Ramanathan	1 Oct 24	1 Yr.
Asit Bhandarkar	31 Dec 21	3.75 Yr.
Ruchi Fozdar	4 Oct 24	0.99 Yr.
Deepak Gupta	11 Apr 25	0.47 Yr.

Data below for JM Tax Gain Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	27.8%
Consumer Cyclical	16.03%
Technology	12.13%
Industrials	11.62%
Basic Materials	11.11%
Health Care	8.3%
Consumer Defensive	4.01%
Energy	3.42%
Communication Services	2.25%
Real Estate	1.44%
Utility	0.91%

Asset Allocation

Asset Class	Value
Cash	0.99%
Equity	99.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 11 \| HDFCBANK	4%	₹9 Cr	98,262
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 22 \| ICICIBANK	4%	₹8 Cr	56,000
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 25 \| RELIANCE	3%	₹7 Cr	53,400
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 10 \| LT	3%	₹7 Cr	19,647 ↓ -1,000
Syrma SGS Technology Ltd (Technology) Equity, Since 31 May 25 \| SYRMA	3%	₹6 Cr	71,957 ↓ -12,793
CreditAccess Grameen Ltd Ordinary Shares (Financial Services) Equity, Since 31 Oct 24 \| CREDITACC	3%	₹5 Cr	40,401 ↓ -1,200
One97 Communications Ltd (Technology) Equity, Since 31 May 25 \| 543396	3%	₹5 Cr	47,500 ↓ -8,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Sep 24 \| MARUTI	2%	₹5 Cr	3,306
OneSource Specialty Pharma Ltd (Healthcare) Equity, Since 31 Jan 25 \| ONESOURCE	2%	₹5 Cr	28,195
Shaily Engineering Plastics Ltd (Basic Materials) Equity, Since 30 Jun 25 \| 501423	2%	₹5 Cr	23,737 ↓ -1,763

4. JM Core 11 Fund

The investment objective of the Scheme is to provide long-term growth by investing predominantly in a concentrated portfolio of equity / equity related instruments of companies.

Research Highlights for JM Core 11 Fund

Bottom quartile AUM (₹283 Cr).
Established history (17+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 20.02% (bottom quartile).
3Y return: 18.96% (bottom quartile).
1Y return: 1.02% (upper mid).
Alpha: -5.21 (upper mid).
Sharpe: -0.92 (upper mid).
Information ratio: 0.54 (bottom quartile).
Higher exposure to Consumer Cyclical vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding Amber Enterprises India Ltd Ordinary Shares (~5.3%).

Below is the key information for JM Core 11 Fund

JM Core 11 Fund Growth
Launch Date	5 Mar 08
NAV (04 Nov 25)	₹20.5278 ↓ -0.11 (-0.54 %)
Net Assets (Cr)	₹283 on 31 Aug 25
Category	Equity - Large Cap
AMC	JM Financial Asset Management Limited
Rating	☆☆☆☆
Risk	High
Expense Ratio	2.38
Sharpe Ratio	-0.92
Information Ratio	0.54
Alpha Ratio	-5.21
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-60 Days (1%),60 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹14,964
31 Oct 22	₹15,203
31 Oct 23	₹17,808
31 Oct 24	₹25,282
31 Oct 25	₹25,647

JM Core 11 Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 Invest Now

Returns for JM Core 11 Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Nov 25

Duration	Returns
1 Month	2.6%
3 Month	5.7%
6 Month	10.5%
1 Year	1%
3 Year	19%
5 Year	20%
10 Year
15 Year
Since launch	4.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	24.3%
2023	32.9%
2022	7.1%
2021	16.3%
2020	6.3%
2019	10.6%
2018	-5%
2017	43.1%
2016	11.1%
2015	-2.4%

Fund Manager information for JM Core 11 Fund

Name	Since	Tenure
Satish Ramanathan	1 Oct 24	1 Yr.
Asit Bhandarkar	25 Feb 09	16.61 Yr.
Ruchi Fozdar	4 Oct 24	0.99 Yr.
Deepak Gupta	11 Apr 25	0.47 Yr.

Data below for JM Core 11 Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Consumer Cyclical	27.5%
Financial Services	25.44%
Technology	15.75%
Industrials	12.85%
Health Care	5.82%
Basic Materials	4.11%
Communication Services	3.92%
Real Estate	2.5%

Asset Allocation

Asset Class	Value
Cash	2.11%
Equity	97.89%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Mar 23 \| AMBER	5%	₹15 Cr	19,048
One97 Communications Ltd (Technology) Equity, Since 31 May 25 \| 543396	5%	₹15 Cr	130,000 ↓ -10,000
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 31 Jan 25 \| MARUTI	5%	₹14 Cr	9,000 ↑ 1,500
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Oct 11 \| LT	5%	₹14 Cr	38,507
Eicher Motors Ltd (Consumer Cyclical) Equity, Since 28 Feb 25 \| EICHERMOT	5%	₹14 Cr	20,000
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 24 \| HDFCBANK	4%	₹13 Cr	134,000
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Jan 25 \| 500034	4%	₹13 Cr	127,000
Ujjivan Small Finance Bank Ltd Ordinary Shares (Financial Services) Equity, Since 31 May 25 \| UJJIVANSFB	4%	₹12 Cr	2,626,723 ↑ 200,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 24 \| BHARTIARTL	4%	₹11 Cr	61,000 ↓ -9,000
Waaree Energies Ltd (Technology) Equity, Since 31 May 25 \| 544277	4%	₹11 Cr	34,000

5. JM Large Cap Fund

(Erstwhile JM Equity Fund)

The scheme seeks to provide optimum capital growth and appreciation.

Research Highlights for JM Large Cap Fund

Lower mid AUM (₹490 Cr).
Oldest track record among peers (30 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.83% (bottom quartile).
3Y return: 15.49% (bottom quartile).
1Y return: 0.60% (lower mid).
Alpha: -7.84 (lower mid).
Sharpe: -1.11 (lower mid).
Information ratio: 0.25 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~8.5%).

Below is the key information for JM Large Cap Fund

JM Large Cap Fund Growth
Launch Date	1 Apr 95
NAV (04 Nov 25)	₹157.441 ↓ -0.76 (-0.48 %)
Net Assets (Cr)	₹490 on 31 Aug 25
Category	Equity - Large Cap
AMC	JM Financial Asset Management Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	2.36
Sharpe Ratio	-1.11
Information Ratio	0.25
Alpha Ratio	-7.84
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-60 Days (1%),60 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹13,939
31 Oct 22	₹14,367
31 Oct 23	₹15,954
31 Oct 24	₹22,133
31 Oct 25	₹22,086

JM Large Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 Invest Now

Returns for JM Large Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Nov 25

Duration	Returns
1 Month	3.3%
3 Month	4.7%
6 Month	8.4%
1 Year	0.6%
3 Year	15.5%
5 Year	16.8%
10 Year
15 Year
Since launch	9.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	15.1%
2023	29.6%
2022	3.4%
2021	23.2%
2020	18.1%
2019	4.9%
2018	0.8%
2017	20.9%
2016	1.8%
2015	-1.3%

Fund Manager information for JM Large Cap Fund

Name	Since	Tenure
Satish Ramanathan	20 Aug 21	4.12 Yr.
Asit Bhandarkar	5 Oct 17	7.99 Yr.
Ruchi Fozdar	4 Oct 24	0.99 Yr.
Deepak Gupta	27 Jan 25	0.68 Yr.

Data below for JM Large Cap Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	29.57%
Consumer Cyclical	13.75%
Industrials	12.13%
Technology	11.63%
Health Care	7.38%
Basic Materials	5.83%
Communication Services	5.41%
Consumer Defensive	4.86%
Energy	3.97%
Utility	3.57%
Real Estate	1.09%

Asset Allocation

Asset Class	Value
Cash	0.79%
Equity	99.19%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 12 \| HDFCBANK	9%	₹41 Cr	433,944
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jan 11 \| ICICIBANK	5%	₹26 Cr	194,587
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 24 \| BHARTIARTL	4%	₹21 Cr	109,350 ↓ -13,150
Reliance Industries Ltd (Energy) Equity, Since 31 Mar 25 \| RELIANCE	4%	₹19 Cr	141,000 ↑ 6,000
Larsen & Toubro Ltd (Industrials) Equity, Since 28 Feb 25 \| LT	3%	₹16 Cr	43,850 ↓ -11,150
Infosys Ltd (Technology) Equity, Since 30 Apr 15 \| INFY	3%	₹15 Cr	106,998
Bajaj Finance Ltd (Financial Services) Equity, Since 28 Feb 25 \| 500034	3%	₹14 Cr	139,999
State Bank of India (Financial Services) Equity, Since 31 Oct 11 \| SBIN	3%	₹12 Cr	141,397
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Mar 25 \| INDIGO	3%	₹12 Cr	21,900
Maruti Suzuki India Ltd (Consumer Cyclical) Equity, Since 30 Sep 24 \| MARUTI	2%	₹12 Cr	7,217

ਐਸਆਈਪੀ ਨਿਵੇਸ਼ ਕਿਵੇਂ ਵਧਦਾ ਹੈ?

ਜਾਣਨਾ ਚਾਹੁੰਦੇ ਹਾਂ ਕਿ ਕਿਵੇਂ ਤੁਹਾਡਾਐਸਆਈਪੀ ਨਿਵੇਸ਼ ਵਧੇਗਾ ਜੇ ਤੁਸੀਂ ਇੱਕ ਨਿਸ਼ਚਤ ਸਮੇਂ ਲਈ ਮਹੀਨਾਵਾਰ ਇੱਕ ਨਿਸ਼ਚਤ ਰਕਮ ਦਾ ਨਿਵੇਸ਼ ਕਰੋਗੇ? ਅਸੀਂ ਤੁਹਾਨੂੰ ਇੱਕ ਉਦਾਹਰਣ ਦੇ ਨਾਲ ਸਮਝਾਵਾਂਗੇ.

SIP ਕੈਲਕੁਲੇਟਰ ਜਾਂ SIP ਰਿਟਰਨ ਕੈਲਕੁਲੇਟਰ

ਐਸਆਈਪੀ ਕੈਲਕੁਲੇਟਰ ਆਮ ਤੌਰ 'ਤੇ ਇਨਪੁਟਸ ਲੈਂਦੇ ਹਨ ਜਿਵੇਂ ਐਸਆਈਪੀ ਨਿਵੇਸ਼ ਦੀ ਰਕਮ (ਟੀਚਾ) ਜੋ ਕੋਈ ਨਿਵੇਸ਼ ਕਰਨਾ ਚਾਹੁੰਦਾ ਹੈ, ਲੋੜੀਂਦੇ ਨਿਵੇਸ਼ ਦੇ ਸਾਲਾਂ ਦੀ ਸੰਖਿਆ, ਉਮੀਦਮਹਿੰਗਾਈ ਰੇਟ (ਇਸ ਲਈ ਕਿਸੇ ਨੂੰ ਲੇਖਾ ਦੇਣਾ ਚਾਹੀਦਾ ਹੈ!) ਅਤੇ ਅਨੁਮਾਨਤ ਰਿਟਰਨਾਂ. ਇਸ ਲਈ, ਕੋਈ ਵੀ ਟੀਚਾ ਪ੍ਰਾਪਤ ਕਰਨ ਲਈ ਲੋੜੀਂਦੀ ਐਸਆਈਪੀ ਰਿਟਰਨ ਦੀ ਗਣਨਾ ਕਰ ਸਕਦਾ ਹੈ!

ਮੰਨ ਲਓ, ਜੇ ਤੁਸੀਂ 10 ਸਾਲਾਂ ਲਈ 10,000 ਰੁਪਏ ਨਿਵੇਸ਼ ਕਰਦੇ ਹੋ, ਤਾਂ ਵੇਖੋ ਕਿ ਤੁਹਾਡਾ ਐਸਆਈਪੀ ਨਿਵੇਸ਼ ਕਿਵੇਂ ਵਧਦਾ ਹੈ-

ਮਹੀਨਾਵਾਰ ਨਿਵੇਸ਼: 10,000 ਰੁਪਏ

ਨਿਵੇਸ਼ ਦੀ ਮਿਆਦ: 10 ਸਾਲ

ਨਿਵੇਸ਼ ਦੀ ਕੁੱਲ ਰਕਮ: INR 12,00,000

ਲੰਬੇ ਸਮੇਂ ਦੀ ਵਿਕਾਸ ਦਰ (ਲਗਭਗ): 15%

ਅਨੁਸਾਰ ਉਮੀਦ ਕੀਤੀ ਰਿਟਰਨਸਿਪ ਕੈਲਕੁਲੇਟਰ: INR 27,86,573

ਕੁੱਲ ਲਾਭ: INR 15,86,573 (ਪੂਰੀ ਵਾਪਸੀ= 132.2%)

ਉਪਰੋਕਤ ਗਣਨਾਵਾਂ ਦਰਸਾਉਂਦੀਆਂ ਹਨ ਕਿ ਜੇ ਤੁਸੀਂ 10 ਸਾਲਾਂ ਲਈ 10,000 ਰੁਪਏ ਮਾਸਿਕ ਨਿਵੇਸ਼ ਕਰਦੇ ਹੋ (ਕੁੱਲ INR12,00,000) ਤੁਸੀਂ ਕਮਾਈ ਕਰੋਗੇINR 27,86,573, ਜਿਸਦਾ ਅਰਥ ਹੈ ਕਿ ਤੁਸੀਂ ਕੁੱਲ ਲਾਭ ਪ੍ਰਾਪਤ ਕਰਦੇ ਹੋINR 15,86,573. ਕੀ ਇਹ ਵਧੀਆ ਨਹੀਂ ਹੈ!

ਜੇ ਐਮ ਮਿਉਚੁਅਲ ਫੰਡ SIP inਨਲਾਈਨ ਵਿੱਚ ਕਿਵੇਂ ਨਿਵੇਸ਼ ਕਰਨਾ ਹੈ?

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Disclaimer:
ਇੱਥੇ ਪ੍ਰਦਾਨ ਕੀਤੀ ਜਾਣਕਾਰੀ ਨੂੰ ਸਹੀ ਬਣਾਉਣ ਲਈ ਸਾਰੇ ਯਤਨ ਕੀਤੇ ਗਏ ਹਨ. ਹਾਲਾਂਕਿ, ਅੰਕੜਿਆਂ ਦੀ ਸ਼ੁੱਧਤਾ ਦੇ ਸੰਬੰਧ ਵਿੱਚ ਕੋਈ ਗਰੰਟੀ ਨਹੀਂ ਦਿੱਤੀ ਜਾਂਦੀ. ਕਿਰਪਾ ਕਰਕੇ ਕੋਈ ਵੀ ਨਿਵੇਸ਼ ਕਰਨ ਤੋਂ ਪਹਿਲਾਂ ਯੋਜਨਾ ਜਾਣਕਾਰੀ ਦਸਤਾਵੇਜ਼ ਨਾਲ ਜਾਂਚ ਕਰੋ.