5 ਸਰਬੋਤਮ ਜੇ ਐਮ ਵਿੱਤੀ ਐਸਆਈਪੀ ਫੰਡ 2020

Updated on July 29, 2026 , 2123 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 (%)	2025 (%)
JM Tax Gain Fund Growth	₹51.8462 ↑ 0.32	₹232	500	9.8	9.5	8.3	15.8	14.8	2.5
JM Multicap Fund Growth	₹98.7285 ↑ 0.69	₹5,178	500	6.1	5.9	2.7	14.4	16.2	-6.8
JM Core 11 Fund Growth	₹20.2837 ↑ 0.17	₹286	500	6.5	6.1	4.7	12.9	14.1	-1.9
JM Value Fund Growth	₹94.6417 ↑ 0.51	₹823	500	3.2	3	-3	12.2	14.7	-4.4
JM Large Cap Fund Growth	₹154.632 ↑ 1.26	₹409	500	4.4	0.7	2.3	10.7	11.3	3.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Jul 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	JM Tax Gain Fund	JM Multicap Fund	JM Core 11 Fund	JM Value Fund	JM Large Cap Fund
Point 1	Bottom quartile AUM (₹232 Cr).	Highest AUM (₹5,178 Cr).	Bottom quartile AUM (₹286 Cr).	Upper mid AUM (₹823 Cr).	Lower mid AUM (₹409 Cr).
Point 2	Established history (18+ yrs).	Established history (17+ yrs).	Established history (18+ yrs).	Established history (29+ yrs).	Oldest track record among peers (31 yrs).
Point 3	Rating: 3★ (bottom quartile).	Top rated.	Rating: 4★ (upper mid).	Rating: 4★ (lower mid).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: High.	Risk profile: Moderately High.
Point 5	5Y return: 14.83% (upper mid).	5Y return: 16.18% (top quartile).	5Y return: 14.15% (bottom quartile).	5Y return: 14.66% (lower mid).	5Y return: 11.30% (bottom quartile).
Point 6	3Y return: 15.80% (top quartile).	3Y return: 14.41% (upper mid).	3Y return: 12.88% (lower mid).	3Y return: 12.24% (bottom quartile).	3Y return: 10.72% (bottom quartile).
Point 7	1Y return: 8.30% (top quartile).	1Y return: 2.66% (lower mid).	1Y return: 4.68% (upper mid).	1Y return: -3.00% (bottom quartile).	1Y return: 2.33% (bottom quartile).
Point 8	Alpha: 4.31 (top quartile).	Alpha: 0.06 (bottom quartile).	Alpha: 2.17 (upper mid).	Alpha: -1.90 (bottom quartile).	Alpha: 0.20 (lower mid).
Point 9	Sharpe: -0.11 (top quartile).	Sharpe: -0.33 (lower mid).	Sharpe: -0.23 (upper mid).	Sharpe: -0.42 (bottom quartile).	Sharpe: -0.48 (bottom quartile).
Point 10	Information ratio: 0.50 (upper mid).	Information ratio: 0.52 (top quartile).	Information ratio: 0.15 (bottom quartile).	Information ratio: 0.30 (lower mid).	Information ratio: 0.15 (bottom quartile).

JM Tax Gain Fund

Bottom quartile AUM (₹232 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 14.83% (upper mid).
3Y return: 15.80% (top quartile).
1Y return: 8.30% (top quartile).
Alpha: 4.31 (top quartile).
Sharpe: -0.11 (top quartile).
Information ratio: 0.50 (upper mid).

JM Multicap Fund

Highest AUM (₹5,178 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 16.18% (top quartile).
3Y return: 14.41% (upper mid).
1Y return: 2.66% (lower mid).
Alpha: 0.06 (bottom quartile).
Sharpe: -0.33 (lower mid).
Information ratio: 0.52 (top quartile).

JM Core 11 Fund

Bottom quartile AUM (₹286 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 14.15% (bottom quartile).
3Y return: 12.88% (lower mid).
1Y return: 4.68% (upper mid).
Alpha: 2.17 (upper mid).
Sharpe: -0.23 (upper mid).
Information ratio: 0.15 (bottom quartile).

JM Value Fund

Upper mid AUM (₹823 Cr).
Established history (29+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 14.66% (lower mid).
3Y return: 12.24% (bottom quartile).
1Y return: -3.00% (bottom quartile).
Alpha: -1.90 (bottom quartile).
Sharpe: -0.42 (bottom quartile).
Information ratio: 0.30 (lower mid).

JM Large Cap Fund

Lower mid AUM (₹409 Cr).
Oldest track record among peers (31 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 11.30% (bottom quartile).
3Y return: 10.72% (bottom quartile).
1Y return: 2.33% (bottom quartile).
Alpha: 0.20 (lower mid).
Sharpe: -0.48 (bottom quartile).
Information ratio: 0.15 (bottom quartile).

1. 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 (₹232 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 14.83% (upper mid).
3Y return: 15.80% (top quartile).
1Y return: 8.30% (top quartile).
Alpha: 4.31 (top quartile).
Sharpe: -0.11 (top quartile).
Information ratio: 0.50 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding HDFC Bank Ltd (~3.3%).

Below is the key information for JM Tax Gain Fund

JM Tax Gain Fund Growth
Launch Date	31 Mar 08
NAV (31 Jul 26)	₹51.8462 ↑ 0.32 (0.61 %)
Net Assets (Cr)	₹232 on 30 Jun 26
Category	Equity - ELSS
AMC	JM Financial Asset Management Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.37
Sharpe Ratio	-0.11
Information Ratio	0.5
Alpha Ratio	4.31
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jul 21	₹10,000
31 Jul 22	₹10,560
31 Jul 23	₹12,857
31 Jul 24	₹19,571
31 Jul 25	₹18,435

JM Tax Gain Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 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 31 Jul 26

Duration	Returns
1 Month	4%
3 Month	9.8%
6 Month	9.5%
1 Year	8.3%
3 Year	15.8%
5 Year	14.8%
10 Year
15 Year
Since launch	9.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	2.5%
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%

Fund Manager information for JM Tax Gain Fund

Name	Since	Tenure
Satish Ramanathan	1 Oct 24	1.75 Yr.
Asit Bhandarkar	31 Dec 21	4.5 Yr.
Ruchi Fozdar	4 Oct 24	1.74 Yr.
Deepak Gupta	11 Apr 25	1.22 Yr.

Data below for JM Tax Gain Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	27.9%
Consumer Cyclical	17.25%
Technology	11.32%
Industrials	9.8%
Basic Materials	8.63%
Health Care	6.75%
Consumer Defensive	3.63%
Real Estate	3.5%
Energy	3.16%
Utility	2.72%
Communication Services	2.7%

Asset Allocation

Asset Class	Value
Cash	2.63%
Equity	97.37%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 11 \| HDFCBANK	3%	₹7 Cr	98,262
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 25 \| RELIANCE	3%	₹7 Cr	53,400
Syrma SGS Technology Ltd (Technology) Equity, Since 31 May 25 \| SYRMA	3%	₹6 Cr	59,457
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 22 \| ICICIBANK	3%	₹6 Cr	48,500
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 10 \| LT	3%	₹6 Cr	14,947
Adani Power Ltd (Utilities) Equity, Since 31 Mar 26 \| ADANIPOWER	3%	₹6 Cr	249,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 24 \| BHARTIARTL	3%	₹6 Cr	32,950
Karur Vysya Bank Ltd (Financial Services) Equity, Since 30 Apr 25 \| KARURVYSYA	3%	₹6 Cr	199,000
Lupin Ltd (Healthcare) Equity, Since 31 May 25 \| LUPIN	3%	₹6 Cr	25,000
Polycab India Ltd (Industrials) Equity, Since 31 Jul 25 \| POLYCAB	3%	₹6 Cr	5,900

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 (₹5,178 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 16.18% (top quartile).
3Y return: 14.41% (upper mid).
1Y return: 2.66% (lower mid).
Alpha: 0.06 (bottom quartile).
Sharpe: -0.33 (lower mid).
Information ratio: 0.52 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~5.1%).

Below is the key information for JM Multicap Fund

JM Multicap Fund Growth
Launch Date	23 Sep 08
NAV (31 Jul 26)	₹98.7285 ↑ 0.69 (0.71 %)
Net Assets (Cr)	₹5,178 on 30 Jun 26
Category	Equity - Multi Cap
AMC	JM Financial Asset Management Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.84
Sharpe Ratio	-0.33
Information Ratio	0.52
Alpha Ratio	0.06
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 Jul 21	₹10,000
31 Jul 22	₹11,133
31 Jul 23	₹14,134
31 Jul 24	₹23,147
31 Jul 25	₹20,621

JM Multicap 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 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 31 Jul 26

Duration	Returns
1 Month	1.6%
3 Month	6.1%
6 Month	5.9%
1 Year	2.7%
3 Year	14.4%
5 Year	16.2%
10 Year
15 Year
Since launch	13.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	-6.8%
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%

Fund Manager information for JM Multicap Fund

Name	Since	Tenure
Satish Ramanathan	20 Aug 21	4.86 Yr.
Asit Bhandarkar	1 Oct 24	1.75 Yr.
Ruchi Fozdar	4 Oct 24	1.74 Yr.
Deepak Gupta	11 Apr 25	1.22 Yr.

Data below for JM Multicap Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	29.54%
Consumer Cyclical	19.5%
Industrials	9.6%
Basic Materials	8.84%
Technology	8.67%
Health Care	6.63%
Energy	6.28%
Consumer Defensive	3.91%
Utility	3.04%
Communication Services	2.09%

Asset Allocation

Asset Class	Value
Cash	1.88%
Equity	98.1%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 23 \| HDFCBANK	5%	₹257 Cr	3,450,000 ↑ 1,200,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 21 \| ICICIBANK	4%	₹222 Cr	1,770,062 ↑ 350,000
Godfrey Phillips India Ltd (Consumer Defensive) Equity, Since 28 Feb 25 \| GODFRYPHLP	3%	₹155 Cr	680,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 10 \| LT	3%	₹142 Cr	347,357 ↑ 36,689
Arvind Ltd (Consumer Cyclical) Equity, Since 31 Dec 23 \| ARVIND	3%	₹132 Cr	2,781,193
One97 Communications Ltd (Technology) Equity, Since 31 May 25 \| PAYTM	2%	₹111 Cr	989,776
NTPC Ltd (Utilities) Equity, Since 31 Jan 26 \| NTPC	2%	₹110 Cr	2,854,299 ↓ -500,000
Garware Hi-Tech Films Ltd (Basic Materials) Equity, Since 28 Feb 25 \| 500655	2%	₹108 Cr	175,925
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 24 \| BHARTIARTL	2%	₹106 Cr	578,700 ↑ 51,500
State Bank of India (Financial Services) Equity, Since 30 Nov 20 \| SBIN	2%	₹105 Cr	1,090,196

3. 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 (₹286 Cr).
Established history (18+ yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 14.15% (bottom quartile).
3Y return: 12.88% (lower mid).
1Y return: 4.68% (upper mid).
Alpha: 2.17 (upper mid).
Sharpe: -0.23 (upper mid).
Information ratio: 0.15 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding Ujjivan Small Finance Bank Ltd Ordinary Shares (~5.2%).

Below is the key information for JM Core 11 Fund

JM Core 11 Fund Growth
Launch Date	5 Mar 08
NAV (31 Jul 26)	₹20.2837 ↑ 0.17 (0.86 %)
Net Assets (Cr)	₹286 on 30 Jun 26
Category	Equity - Large Cap
AMC	JM Financial Asset Management Limited
Rating	☆☆☆☆
Risk	High
Expense Ratio	2.38
Sharpe Ratio	-0.23
Information Ratio	0.15
Alpha Ratio	2.17
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 Jul 21	₹10,000
31 Jul 22	₹10,880
31 Jul 23	₹13,474
31 Jul 24	₹19,877
31 Jul 25	₹18,512

JM Core 11 Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 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 31 Jul 26

Duration	Returns
1 Month	2.5%
3 Month	6.5%
6 Month	6.1%
1 Year	4.7%
3 Year	12.9%
5 Year	14.1%
10 Year
15 Year
Since launch	3.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	-1.9%
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%

Fund Manager information for JM Core 11 Fund

Name	Since	Tenure
Satish Ramanathan	1 Oct 24	1.75 Yr.
Asit Bhandarkar	25 Feb 09	17.36 Yr.
Ruchi Fozdar	4 Oct 24	1.74 Yr.
Deepak Gupta	11 Apr 25	1.22 Yr.

Data below for JM Core 11 Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	23.84%
Consumer Cyclical	23.45%
Industrials	17.21%
Technology	14.07%
Health Care	7.8%
Basic Materials	6.35%
Utility	3.2%
Communication Services	2.95%

Asset Allocation

Asset Class	Value
Cash	1.13%
Equity	98.87%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Ujjivan Small Finance Bank Ltd Ordinary Shares (Financial Services) Equity, Since 31 May 25 \| 542904	5%	₹15 Cr	2,671,722 ↓ -130,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Oct 11 \| LT	5%	₹14 Cr	34,507 ↓ -2,000
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Mar 23 \| AMBER	5%	₹14 Cr	18,050
OneSource Specialty Pharma Ltd (Healthcare) Equity, Since 31 Jan 25 \| ONESOURCE	4%	₹12 Cr	65,637
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Jan 25 \| BAJFINANCE	4%	₹12 Cr	131,500 ↓ -8,000
One97 Communications Ltd (Technology) Equity, Since 31 May 25 \| PAYTM	4%	₹12 Cr	105,000
Premier Energies Ltd (Technology) Equity, Since 31 Mar 26 \| PREMIERENE	4%	₹12 Cr	110,000 ↑ 10,000
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 May 25 \| ADANIPORTS	4%	₹12 Cr	64,000
Eternal Ltd (Consumer Cyclical) Equity, Since 30 Nov 23 \| ETERNAL	4%	₹12 Cr	460,000
IDFC First Bank Ltd (Financial Services) Equity, Since 30 Apr 25 \| IDFCFIRSTB	4%	₹11 Cr	1,600,000

4. 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 (₹823 Cr).
Established history (29+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 14.66% (lower mid).
3Y return: 12.24% (bottom quartile).
1Y return: -3.00% (bottom quartile).
Alpha: -1.90 (bottom quartile).
Sharpe: -0.42 (bottom quartile).
Information ratio: 0.30 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~100%).
Largest holding Godfrey Phillips India Ltd (~4.3%).

Below is the key information for JM Value Fund

JM Value Fund Growth
Launch Date	2 Jun 97
NAV (31 Jul 26)	₹94.6417 ↑ 0.51 (0.55 %)
Net Assets (Cr)	₹823 on 30 Jun 26
Category	Equity - Value
AMC	JM Financial Asset Management Limited
Rating	☆☆☆☆
Risk	High
Expense Ratio	2.23
Sharpe Ratio	-0.42
Information Ratio	0.3
Alpha Ratio	-1.9
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 Jul 21	₹10,000
31 Jul 22	₹10,287
31 Jul 23	₹14,014
31 Jul 24	₹22,836
31 Jul 25	₹20,428

JM Value Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 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 31 Jul 26

Duration	Returns
1 Month	-0.1%
3 Month	3.2%
6 Month	3%
1 Year	-3%
3 Year	12.2%
5 Year	14.7%
10 Year
15 Year
Since launch	15.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	-4.4%
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%

Fund Manager information for JM Value Fund

Name	Since	Tenure
Satish Ramanathan	20 Aug 21	4.87 Yr.
Asit Bhandarkar	11 Dec 06	19.57 Yr.
Ruchi Fozdar	4 Oct 24	1.74 Yr.
Deepak Gupta	11 Apr 25	1.22 Yr.

Data below for JM Value Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	29.19%
Consumer Cyclical	22.83%
Industrials	15.53%
Technology	6.94%
Health Care	6.73%
Basic Materials	5.87%
Consumer Defensive	4.28%
Utility	3.57%
Communication Services	3.5%
Energy	1.38%

Asset Allocation

Asset Class	Value
Cash	0.17%
Equity	99.83%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Godfrey Phillips India Ltd (Consumer Defensive) Equity, Since 31 Aug 24 \| GODFRYPHLP	4%	₹34 Cr	150,823 ↓ -4,000
Shriram Finance Ltd (Financial Services) Equity, Since 31 Aug 25 \| SHRIRAMFIN	4%	₹33 Cr	349,391
Dr Reddy's Laboratories Ltd (Healthcare) Equity, Since 31 Jul 25 \| DRREDDY	3%	₹28 Cr	213,959
Jana Small Finance Bank Ltd (Financial Services) Equity, Since 30 Sep 24 \| JSFB	3%	₹27 Cr	550,553
Restaurant Brands Asia Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 29 Feb 24 \| RBA	3%	₹27 Cr	3,894,908
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 12 \| HDFCBANK	3%	₹25 Cr	330,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Apr 09 \| LT	3%	₹23 Cr	55,613 ↓ -15,000
Infosys Ltd (Technology) Equity, Since 31 May 18 \| INFY	3%	₹23 Cr	195,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 24 \| BHARTIARTL	3%	₹22 Cr	120,000 ↑ 20,000
Canara Bank (Financial Services) Equity, Since 30 Sep 25 \| CANBK	3%	₹22 Cr	1,650,000 ↓ -350,000

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 (₹409 Cr).
Oldest track record among peers (31 yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 11.30% (bottom quartile).
3Y return: 10.72% (bottom quartile).
1Y return: 2.33% (bottom quartile).
Alpha: 0.20 (lower mid).
Sharpe: -0.48 (bottom quartile).
Information ratio: 0.15 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~6.3%).

Below is the key information for JM Large Cap Fund

JM Large Cap Fund Growth
Launch Date	1 Apr 95
NAV (31 Jul 26)	₹154.632 ↑ 1.26 (0.82 %)
Net Assets (Cr)	₹409 on 30 Jun 26
Category	Equity - Large Cap
AMC	JM Financial Asset Management Limited
Rating	☆☆
Risk	Moderately High
Expense Ratio	2.36
Sharpe Ratio	-0.48
Information Ratio	0.15
Alpha Ratio	0.2
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 Jul 21	₹10,000
31 Jul 22	₹10,630
31 Jul 23	₹12,584
31 Jul 24	₹18,532
31 Jul 25	₹16,691

JM Large Cap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518 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 31 Jul 26

Duration	Returns
1 Month	2.9%
3 Month	4.4%
6 Month	0.7%
1 Year	2.3%
3 Year	10.7%
5 Year	11.3%
10 Year
15 Year
Since launch	9.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	3.8%
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%

Fund Manager information for JM Large Cap Fund

Name	Since	Tenure
Satish Ramanathan	20 Aug 21	4.86 Yr.
Asit Bhandarkar	5 Oct 17	8.74 Yr.
Ruchi Fozdar	4 Oct 24	1.74 Yr.
Deepak Gupta	27 Jan 25	1.42 Yr.

Data below for JM Large Cap Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	29%
Industrials	13.88%
Consumer Cyclical	12.93%
Technology	8.17%
Health Care	7.67%
Basic Materials	6.44%
Energy	5.74%
Consumer Defensive	5.57%
Communication Services	3.91%
Utility	3.61%
Real Estate	1.27%

Asset Allocation

Asset Class	Value
Cash	1.8%
Equity	98.2%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 12 \| HDFCBANK	6%	₹26 Cr	353,694
Reliance Industries Ltd (Energy) Equity, Since 31 Mar 25 \| RELIANCE	6%	₹24 Cr	180,700
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jan 11 \| ICICIBANK	4%	₹18 Cr	145,387 ↑ 15,600
State Bank of India (Financial Services) Equity, Since 31 Oct 11 \| SBIN	4%	₹16 Cr	169,097
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 24 \| BHARTIARTL	4%	₹16 Cr	88,950
Larsen & Toubro Ltd (Industrials) Equity, Since 28 Feb 25 \| LT	3%	₹13 Cr	32,300 ↓ -2,500
Shriram Finance Ltd (Financial Services) Equity, Since 30 Apr 25 \| SHRIRAMFIN	3%	₹11 Cr	119,500
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 May 25 \| ADANIPORTS	3%	₹11 Cr	61,750
Axis Bank Ltd (Financial Services) Equity, Since 31 Mar 25 \| AXISBANK	3%	₹11 Cr	83,723
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 28 Feb 25 \| APOLLOHOSP	3%	₹11 Cr	12,875 ↓ -1,154

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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ਆਪਣੀ ਰਜਿਸਟ੍ਰੇਸ਼ਨ ਅਤੇ ਕੇਵਾਈਸੀ ਪ੍ਰਕਿਰਿਆ ਨੂੰ ਪੂਰਾ ਕਰੋ

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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.