JM Low Duration Fund Regular Growth
DebtLow DurationLow to Moderate Risk
Regular
NAV (18-Jun-25)
Returns (Since Inception)
Fund Overview
Fund Size
₹232 Cr
Expense Ratio
0.72%
ISIN
INF192K01AY5
Minimum SIP
₹100
Exit Load
No Charges
Inception Date
27 Sep 2006
About this fund
As of 18-Jun-25, it has a Net Asset Value (NAV) of ₹37.06, Assets Under Management (AUM) of 232.37 Crores, and an expense ratio of 0.72%.
- JM Low Duration Fund Regular Growth has given a CAGR return of 7.25% since inception.
- The fund's asset allocation comprises around 0.00% in equities, 68.44% in debts, and 31.28% in cash & cash equivalents.
- You can start investing in JM Low Duration Fund Regular 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
+7.96%
+7.96% (Cat Avg.)
3 Years
+6.91%
+7.12% (Cat Avg.)
5 Years
+9.43%
+6.23% (Cat Avg.)
10 Years
+6.28%
+5.86% (Cat Avg.)
Since Inception
+7.25%
— (Cat Avg.)
Portfolio Summaryas of 31st May 2025
| Debt | ₹159.03 Cr | 68.44% |
| Others | ₹73.34 Cr | 31.56% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| Punjab National Bank | Cash - CD/Time Deposit | ₹19.36 Cr | 8.33% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹16.21 Cr | 6.98% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹15.02 Cr | 6.46% |
| Shriram Finance Limited | Bond - Corporate Bond | ₹11.56 Cr | 4.98% |
| Godrej Industries Limited | Bond - Corporate Bond | ₹10.22 Cr | 4.40% |
| 360 One Prime Limited | Bond - Corporate Bond | ₹10.04 Cr | 4.32% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹10.03 Cr | 4.32% |
| Piramal Housing Finance Limited | Cash - Commercial Paper | ₹9.7 Cr | 4.17% |
| Kotak Mahindra Bank Limited | Cash - CD/Time Deposit | ₹9.59 Cr | 4.13% |
| Bajaj Housing Finance Limited | Bond - Corporate Bond | ₹9.07 Cr | 3.90% |
| Sikka Ports & Terminals Limited | Bond - Corporate Bond | ₹7 Cr | 3.01% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹5.14 Cr | 2.21% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹5.12 Cr | 2.20% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹5.1 Cr | 2.20% |
| Rec Limited | Bond - Corporate Bond | ₹5.06 Cr | 2.18% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹5.05 Cr | 2.17% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹5.05 Cr | 2.17% |
| Net Receivable/Payable | Cash - Collateral | ₹5.04 Cr | 2.17% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹5.03 Cr | 2.16% |
| Mahindra Rural Housing Finance Limited | Bond - Corporate Bond | ₹5.03 Cr | 2.16% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹4.98 Cr | 2.14% |
| Jamnagar Utilities & Power Private Limited | Bond - Corporate Bond | ₹4.98 Cr | 2.14% |
| ICICI Securities Limited | Cash - Commercial Paper | ₹4.94 Cr | 2.13% |
| 364 DTB 04092025 | Bond - Gov't/Treasury | ₹4.93 Cr | 2.12% |
| India (Republic of) | Bond - Short-term Government Bills | ₹4.91 Cr | 2.11% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹4.87 Cr | 2.09% |
| 364 Days Tbill Red 12-03-2026 | Bond - Gov't/Treasury | ₹4.79 Cr | 2.06% |
| Tata Capital Housing Finance Limited | Bond - Corporate Bond | ₹4.04 Cr | 1.74% |
| 7.17% Govt Stock 2030 | Bond - Gov't/Treasury | ₹3.16 Cr | 1.36% |
| Rural Electrification Corporation Limited | Bond - Corporate Bond | ₹3.08 Cr | 1.32% |
| Indian Railway Finance Corporation Limited | Bond - Corporate Bond | ₹3.05 Cr | 1.31% |
| Cholamandalam Investment And Finance Company Limited | Bond - Corporate Bond | ₹3.02 Cr | 1.30% |
| Ccil | Cash - Repurchase Agreement | ₹2.96 Cr | 1.28% |
| 6.75% Govt Stock 2029 | Bond - Gov't/Treasury | ₹2.59 Cr | 1.11% |
| 182 Days Tbill | Bond - Gov't/Treasury | ₹1.97 Cr | 0.85% |
| Corporate Debt Market Development Fund - Class A2 Units | Mutual Fund - Open End | ₹0.67 Cr | 0.29% |
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Instruments | Amount | Holdings |
|---|---|---|
| Bond - Corporate Bond | ₹136.68 Cr | 58.82% |
| Cash - CD/Time Deposit | ₹50.03 Cr | 21.53% |
| Bond - Gov't/Treasury | ₹17.44 Cr | 7.50% |
| Cash - Commercial Paper | ₹14.64 Cr | 6.30% |
| Cash - Collateral | ₹5.04 Cr | 2.17% |
| Bond - Short-term Government Bills | ₹4.91 Cr | 2.11% |
| Cash - Repurchase Agreement | ₹2.96 Cr | 1.28% |
| Mutual Fund - Open End | ₹0.67 Cr | 0.29% |
Risk & Performance Ratios
Standard Deviation
This fund
0.44%
Cat. avg.
0.66%
Lower the better
Sharpe Ratio
This fund
0.31
Cat. avg.
0.71
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
3.18
Higher the better
Fund Managers
Killol Pandya
Since November 2024
Naghma Khoja
Since April 2024
Ruchi Fozdar
Since April 2024
Additional Scheme Detailsas of 31st May 2025
ISIN | INF192K01AY5 | Expense Ratio | 0.72% | Exit Load | No Charges | Fund Size | ₹232 Cr | Age | 18 years 8 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:
- For investments made on or after 1 April 2023: The entire capital gain is added to the investor's income and is taxed based on the applicable income tax slab.
- For investments made before 1 April 2023:
- If sold within 2 years of investment: The capital gains are added to the investor's income and taxed according to the applicable tax slab.
- If sold after 2 years of investment: The capital gains are taxed at a flat rate of 12.5%.
- Holding the units: No tax is applicable as long as you hold the units.
Dividend Taxation:
Dividends are considered part of the investor’s income and are taxed according to their applicable tax slab. Additionally, if an investor’s dividend income exceeds INR 5,000 in a financial year, a 10% Tax Deducted at Source (TDS) is withheld by the fund house before distributing the dividend.
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  |
|---|---|---|---|---|
| Edelweiss Low Duration Fund Regular Growth Low to Moderate Risk | 1.1% | 0.0% | ₹556.57 Cr | - |
| Edelweiss Low Duration Fund Direct Growth Low to Moderate Risk | 0.2% | 0.0% | ₹556.57 Cr | - |
| Franklin India Low Duration Fund Regular Growth Moderate Risk | 0.9% | 0.0% | ₹336.95 Cr | - |
| Franklin India Low Duration Fund Direct Growth Moderate Risk | 0.3% | 0.0% | ₹336.95 Cr | - |
| HSBC Low Duration Fund Direct Growth Low to Moderate Risk | 0.4% | 0.0% | ₹579.95 Cr | 9.9% |
| LIC MF Low Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹2100.35 Cr | 8.4% |
| Mirae Asset Savings Fund Direct Growth Low to Moderate Risk | 0.2% | 0.0% | ₹1838.28 Cr | 8.6% |
| Invesco India Treasury Advantage Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹1672.92 Cr | 8.3% |
| Kotak Low Duration Fund Direct Growth Low to Moderate Risk | 0.4% | 0.0% | ₹12913.39 Cr | 8.8% |
| Sundaram Low Duration Fund Direct Growth Low to Moderate Risk | 0.4% | 0.0% | ₹398.40 Cr | 8.7% |
About the AMC
Total AUM
₹13,700 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 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% | ₹194.57 Cr | 7.1% |
| JM Equity Hybrid Fund Direct Growth Very High Risk | 0.6% | 1.0% | ₹822.48 Cr | -0.0% |
| JM Focused Fund Direct Growth Very High Risk | 0.7% | 1.0% | ₹278.87 Cr | 0.0% |
| JM Value Fund Direct Growth Very High Risk | 0.8% | 1.0% | ₹1089.00 Cr | -2.2% |
| JM Low Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹232.37 Cr | 8.4% |
| JM Large Cap Fund Direct Growth Very High Risk | 0.8% | 1.0% | ₹525.71 Cr | -2.8% |
| JM Liquid Fund Direct Growth Low to Moderate Risk | 0.2% | 0.0% | ₹2195.97 Cr | 7.2% |
| JM Dynamic Bond Fund Direct Growth Moderate Risk | 0.5% | 0.0% | ₹57.28 Cr | 10.4% |
| JM Medium to Long Duration Fund Direct Growth Moderate Risk | 0.6% | 0.0% | ₹35.34 Cr | 10.4% |
| JM Flexicap Fund Direct Growth Very High Risk | 0.5% | 1.0% | ₹5917.33 Cr | -3.2% |
| JM Tax Gain Fund Direct Growth Very High Risk | 1.1% | 0.0% | ₹198.58 Cr | 0.9% |
| JM Midcap Fund Direct Growth Very High Risk | 0.5% | 1.0% | ₹1396.31 Cr | -0.3% |
| 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% | ₹120.83 Cr | 9.5% |
Risk Level
Your principal amount will be at Low to Moderate Risk
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- Killol Pandya
- Naghma Khoja
- Ruchi Fozdar
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