JM Low Duration Fund Direct Growth
DebtLow DurationLow to Moderate Risk
Direct
NAV (20-Mar-26)
Returns (Since Inception)
Fund Overview
Fund Size
₹222 Cr
Expense Ratio
0.35%
ISIN
INF192K01DW3
Minimum SIP
₹100
Exit Load
No Charges
Inception Date
01 Jan 2013
About this fund
As of 20-Mar-26, it has a Net Asset Value (NAV) of ₹39.74, Assets Under Management (AUM) of 222.35 Crores, and an expense ratio of 0.35%.
- JM Low Duration Fund Direct Growth has given a CAGR return of 6.99% since inception.
- The fund's asset allocation comprises around 0.00% in equities, 64.81% in debts, and 34.87% in cash & cash equivalents.
- You can start investing in JM Low Duration Fund Direct Growth with a SIP of ₹100 or a Lumpsum investment of ₹1000.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
1 Year
+7.03%
+6.73% (Cat Avg.)
3 Years
+7.37%
+7.11% (Cat Avg.)
5 Years
+6.21%
+6.05% (Cat Avg.)
10 Years
+6.38%
+5.83% (Cat Avg.)
Since Inception
+6.99%
— (Cat Avg.)
Portfolio Summaryas of 15th March 2026
| Debt | ₹144.1 Cr | 64.81% |
| Others | ₹78.25 Cr | 35.19% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| Canara Bank | Cash - CD/Time Deposit | ₹16.05 Cr | 7.20% |
| Punjab National Bank | Bond - Gov't Agency Debt | ₹15.9 Cr | 7.14% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹14.7 Cr | 6.60% |
| Shriram Finance Limited | Bond - Corporate Bond | ₹10.13 Cr | 4.55% |
| Godrej Industries Limited | Bond - Corporate Bond | ₹10.06 Cr | 4.51% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹9.1 Cr | 4.09% |
| Rec Limited | Bond - Corporate Bond | ₹7.99 Cr | 3.59% |
| 360 One Prime Limited | Bond - Corporate Bond | ₹7.48 Cr | 3.36% |
| HDFC Bank Ltd. | Bond - Corporate Bond | ₹6.54 Cr | 2.93% |
| Cholamandalam Investment And Finance Company Limited | Bond - Corporate Bond | ₹5.05 Cr | 2.27% |
| Ccil | Cash - Repurchase Agreement | ₹5.05 Cr | 2.27% |
| Muthoot Finance Limited | Bond - Corporate Bond | ₹5.05 Cr | 2.27% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹5.04 Cr | 2.26% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹5.03 Cr | 2.26% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹5.02 Cr | 2.26% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹5.02 Cr | 2.25% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹5.01 Cr | 2.25% |
| Sikka Ports & Terminals Limited | Bond - Corporate Bond | ₹5 Cr | 2.25% |
| Rural Electrification Corporation Limited | Bond - Corporate Bond | ₹5 Cr | 2.24% |
| Muthoot Finance Limited | Bond - Corporate Bond | ₹5 Cr | 2.24% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹5 Cr | 2.24% |
| Kotak Mahindra Bank Ltd | Cash - Commercial Paper | ₹4.99 Cr | 2.24% |
| Piramal Finance Limited | Bond - Corporate Bond | ₹4.99 Cr | 2.24% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹4.99 Cr | 2.24% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹4.96 Cr | 2.23% |
| Jamnagar Utilities & Power Private Limited | Bond - Corporate Bond | ₹4.96 Cr | 2.23% |
| Tbill | Bond - Gov't/Treasury | ₹4.96 Cr | 2.23% |
| 28/05/2026 Maturing 182 DTB | Bond - Gov't/Treasury | ₹4.95 Cr | 2.22% |
| India (Republic of) | Bond - Short-term Government Bills | ₹4.94 Cr | 2.22% |
| Aditya Birla Capital Ltd | Cash - Commercial Paper | ₹4.93 Cr | 2.21% |
| Tata Housing Development Co Ltd. | Cash - Commercial Paper | ₹4.7 Cr | 2.11% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹4.02 Cr | 1.80% |
| Net Receivable/Payable | Cash | ₹3.44 Cr | 1.55% |
| Indian Railway Finance Corporation Limited | Bond - Corporate Bond | ₹3.01 Cr | 1.35% |
| 10/04/2026 Maturing 364 DTB | Bond - Gov't/Treasury | ₹2.99 Cr | 1.34% |
| Bajaj Financial Securities Limited | Cash - Commercial Paper | ₹0.98 Cr | 0.44% |
| Corporate Debt Market Development Fund - Class A2 Units | Mutual Fund - Unspecified | ₹0.72 Cr | 0.32% |
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Instruments | Amount | Holdings |
|---|---|---|
| Bond - Corporate Bond | ₹128.47 Cr | 57.67% |
| Cash - CD/Time Deposit | ₹35.75 Cr | 16.05% |
| Bond - Gov't Agency Debt | ₹15.9 Cr | 7.14% |
| Cash - Commercial Paper | ₹15.6 Cr | 7.00% |
| Bond - Gov't/Treasury | ₹12.89 Cr | 5.79% |
| Cash - Repurchase Agreement | ₹5.05 Cr | 2.27% |
| Bond - Short-term Government Bills | ₹4.94 Cr | 2.22% |
| Cash | ₹3.44 Cr | 1.55% |
| Mutual Fund - Unspecified | ₹0.72 Cr | 0.32% |
Risk & Performance Ratios
Standard Deviation
This fund
0.41%
Cat. avg.
0.60%
Lower the better
Sharpe Ratio
This fund
1.96
Cat. avg.
1.13
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
3.17
Higher the better
Fund Managers
Killol Pandya
Since November 2024
Ruchi Fozdar
Since April 2024
Jayant Dhoot
Since August 2025
Additional Scheme Detailsas of 15th March 2026
ISIN INF192K01DW3 | Expense Ratio 0.35% | Exit Load No Charges | Fund Size ₹222 Cr | Age 13 years 2 months | Lumpsum Minimum ₹1,000 | Fund Status Open Ended Investment Company | Benchmark Crisil Low Duration Debt TR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Capital Gains Taxation:
Dividend Taxation:
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Low Duration Funds
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| Bajaj Finserv Low Duration Fund Regular Growth Low to Moderate Risk | 1.0% | 0.0% | ₹665.49 Cr | - |
| Bajaj Finserv Low Duration Fund Direct Growth Low to Moderate Risk | 0.2% | 0.0% | ₹665.49 Cr | - |
| JioBlackRock Low Duration Fund Direct Growth Low to Moderate Risk | 0.2% | 0.0% | ₹387.08 Cr | - |
| Union Low Duration Fund Regular Growth Low to Moderate Risk | 1.0% | 0.0% | ₹1066.78 Cr | - |
| Union Low Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹1066.78 Cr | - |
| Edelweiss Low Duration Fund Regular Growth Low to Moderate Risk | 0.6% | 0.0% | ₹527.19 Cr | 6.1% |
| Edelweiss Low Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹527.19 Cr | 7.0% |
| Franklin India Low Duration Fund Regular Growth Low to Moderate Risk | 0.7% | 0.0% | ₹399.48 Cr | 7.2% |
| Franklin India Low Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹399.48 Cr | 7.8% |
| HSBC Low Duration Fund Direct Growth Moderate Risk | 0.4% | 0.0% | ₹1008.67 Cr | 8.4% |
| LIC MF Low Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹2018.24 Cr | 7.1% |
| Mirae Asset Savings Fund Direct Growth Low to Moderate Risk | 0.2% | 0.0% | ₹2719.52 Cr | 7.2% |
| Invesco India Treasury Advantage Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹2065.01 Cr | 6.9% |
| Kotak Low Duration Fund Direct Growth Low to Moderate Risk | 0.4% | 0.0% | ₹16392.94 Cr | 7.4% |
| Sundaram Low Duration Fund Direct Growth Moderate Risk | 0.4% | 0.0% | ₹469.75 Cr | 6.9% |
| Bandhan Low Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹5925.71 Cr | 6.9% |
| Nippon India Low Duration Fund Direct Growth Low to Moderate Risk | 0.4% | 0.0% | ₹10968.99 Cr | 7.3% |
| JM Low Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹222.35 Cr | 7.0% |
| SBI Magnum Low Duration Fund Regular Growth Low to Moderate Risk | 0.9% | 0.0% | ₹16391.06 Cr | 6.5% |
| Axis Treasury Advantage Fund Regular Growth Moderate Risk | 0.7% | 0.0% | ₹7830.96 Cr | 7.0% |
| DSP Low Duration Fund Regular Growth Low to Moderate Risk | 0.6% | 0.0% | ₹5592.77 Cr | 6.5% |
| JM Low Duration Fund Regular Growth Low to Moderate Risk | 0.9% | 0.0% | ₹222.35 Cr | 6.5% |
| Nippon India Low Duration Fund Regular Growth Low to Moderate Risk | 1.0% | 0.0% | ₹10968.99 Cr | 6.7% |
| Invesco India Treasury Advantage Fund Regular Growth Low to Moderate Risk | 0.7% | 0.0% | ₹2065.01 Cr | 5.9% |
| PGIM India Low Duration Fund Regular Growth Low to Moderate Risk | 1.2% | 0.0% | ₹93.31 Cr | 6.3% |
| UTI - Treasury Advantage Fund Regular Growth Moderate Risk | 0.4% | 0.0% | ₹2989.59 Cr | 7.1% |
| DSP Low Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹5592.77 Cr | 6.9% |
| HSBC Low Duration Fund Regular Growth Moderate Risk | 0.9% | 0.0% | ₹1008.67 Cr | 7.9% |
| UTI - Treasury Advantage Fund Direct Growth Moderate Risk | 0.3% | 0.0% | ₹2989.59 Cr | 7.2% |
| Axis Treasury Advantage Fund Direct Growth Moderate Risk | 0.3% | 0.0% | ₹7830.96 Cr | 7.3% |
| Aditya BSL Low Duration Fund Direct Growth Moderate Risk | 0.4% | 0.0% | ₹15208.78 Cr | 7.3% |
| Baroda BNP Paribas Low Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹256.21 Cr | 7.1% |
| ICICI Prudential Savings Fund Direct Growth Low to Moderate Risk | 0.4% | 0.0% | ₹31283.97 Cr | 7.4% |
| Canara Robeco Savings Fund Direct Growth Low to Moderate Risk | 0.2% | 0.0% | ₹1350.56 Cr | 7.0% |
| SBI Magnum Low Duration Fund Direct Growth Low to Moderate Risk | 0.4% | 0.0% | ₹16391.06 Cr | 7.0% |
| Tata Treasury Advantage Fund Direct Growth Low to Moderate Risk | 0.2% | 0.0% | ₹3490.68 Cr | 7.0% |
| PGIM India Low Duration Fund Direct Growth Low to Moderate Risk | 0.4% | 0.0% | ₹93.31 Cr | 7.2% |
| HDFC Low Duration Fund Direct Growth Low to Moderate Risk | 0.5% | 0.0% | ₹25582.08 Cr | 7.4% |
| Aditya BSL Low Duration Fund Regular Growth Moderate Risk | 1.2% | 0.0% | ₹15208.78 Cr | 6.5% |
| LIC MF Low Duration Fund Regular Growth Low to Moderate Risk | 1.2% | 0.0% | ₹2018.24 Cr | 6.3% |
| Baroda BNP Paribas Low Duration Fund Regular Growth Low to Moderate Risk | 1.0% | 0.0% | ₹256.21 Cr | 6.3% |
| Sundaram Low Duration Fund Regular Growth Moderate Risk | 1.2% | 0.0% | ₹469.75 Cr | 6.1% |
| ICICI Prudential Savings Fund Regular Growth Low to Moderate Risk | 0.6% | 0.0% | ₹31283.97 Cr | 7.2% |
| Canara Robeco Savings Fund Regular Growth Low to Moderate Risk | 0.5% | 0.0% | ₹1350.56 Cr | 6.8% |
| Bandhan Low Duration Fund Regular Growth Low to Moderate Risk | 0.7% | 0.0% | ₹5925.71 Cr | 6.6% |
| HDFC Low Duration Fund Regular Growth Low to Moderate Risk | 1.1% | 0.0% | ₹25582.08 Cr | 6.7% |
| Mirae Asset Savings Fund Regular Growth Low to Moderate Risk | 0.9% | 0.0% | ₹2719.52 Cr | 7.1% |
| Kotak Low Duration Fund Regular Growth Low to Moderate Risk | 1.2% | 0.0% | ₹16392.94 Cr | 6.6% |
| Tata Treasury Advantage Fund Regular Growth Low to Moderate Risk | 0.6% | 0.0% | ₹3490.68 Cr | 6.7% |
| Mahindra Manulife Low Duration Fund Regular Growth Moderate Risk | 1.1% | 0.0% | ₹573.15 Cr | 6.4% |
About the AMC
JM Financial Mutual Fund
Total AUM
₹13,517 Cr
Address
502, 5th Floor, A - Wing, Mumbai, 400 051
Other Funds by JM Financial Mutual Fund
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y |
|---|---|---|---|---|
| JM Large & Mid Cap Fund Direct Growth Very High Risk | 0.6% | 1.0% | ₹406.43 Cr | - |
| JM Overnight Fund Direct Growth Low Risk | 0.1% | 0.0% | ₹89.35 Cr | 5.4% |
| JM Small Cap Fund Direct Growth Very High Risk | 0.7% | 1.0% | ₹645.98 Cr | -2.4% |
| JM Fixed Maturity Fund Series 28 Plan B Direct Growth Moderate Risk | - | 0.0% | - | - |
| JM Fixed Maturity Fund Series 28 Plan A Direct Growth Moderate Risk | - | 0.0% | - | - |
| JM Arbitrage Fund Direct Growth Low Risk | 0.4% | 0.0% | ₹355.42 Cr | 6.5% |
| JM Equity Hybrid Fund Direct Growth Very High Risk | 0.8% | 1.0% | ₹735.49 Cr | -2.4% |
| JM Focused Fund Direct Growth Very High Risk | 0.8% | 1.0% | ₹286.18 Cr | -4.0% |
| JM Value Fund Direct Growth Very High Risk | 1.1% | 1.0% | ₹857.89 Cr | -4.6% |
| JM Low Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹222.35 Cr | 7.0% |
| JM Large Cap Fund Direct Growth Very High Risk | 0.9% | 1.0% | ₹442.78 Cr | 2.3% |
| JM Liquid Fund Direct Growth Low to Moderate Risk | 0.2% | 0.0% | ₹2576.85 Cr | 6.3% |
| JM Dynamic Bond Fund Direct Growth Moderate Risk | 0.4% | 0.0% | ₹57.82 Cr | 5.6% |
| JM Medium to Long Duration Fund Direct Growth Moderate Risk | 0.6% | 0.0% | ₹30.33 Cr | 5.3% |
| JM Flexicap Fund Direct Growth Very High Risk | 0.6% | 1.0% | ₹5158.73 Cr | -3.0% |
| JM Tax Gain Fund Direct Growth Very High Risk | 1.0% | 0.0% | ₹217.28 Cr | -0.6% |
| JM Midcap Fund Direct Growth Very High Risk | 0.7% | 1.0% | ₹1133.76 Cr | 2.7% |
| JM Overnight Fund Direct Growth Low Risk | 0.1% | 0.0% | ₹200.81 Cr | 6.8% |
| JM Short Duration Fund Direct Growth Moderate Risk | 0.4% | 0.0% | ₹83.69 Cr | 6.8% |
Risk Level
Your principal amount will be at Low to Moderate Risk
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Who manages the JM Low Duration Fund Direct Growth?
- Killol Pandya
- Ruchi Fozdar
- Jayant Dhoot
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