JM Low Duration Fund Direct Growth

Fund Overview

Fund Size

₹227 Cr

Expense Ratio

0.35%

ISIN

INF192K01DW3

Minimum SIP

₹100

Exit Load

No Charges

Inception Date

01 Jan 2013

About this fund

JM Low Duration Fund Direct Growth is a Low Duration mutual fund schemes offered by JM Financial Mutual Fund. This fund has been in existence for 12 years, 2 months and 27 days, having been launched on 01-Jan-13.
As of 27-Mar-25, it has a Net Asset Value (NAV) of ₹37.23, Assets Under Management (AUM) of 226.52 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, 62.73% in debts, and 36.98% 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

+7.90%

+6.45% (Cat Avg.)

3 Years

+6.78%

+6.20% (Cat Avg.)

5 Years

+9.77%

+6.26% (Cat Avg.)

10 Years

+6.53%

+5.74% (Cat Avg.)

Since Inception

+6.99%

— (Cat Avg.)

Portfolio Summaryas of 15th March 2025

Debt	₹142.1 Cr	62.73%
Others	₹84.42 Cr	37.27%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
National Bank For Agriculture And Rural Development	Bond - Corporate Bond	₹19.91 Cr	8.79%
Punjab National Bank	Cash - CD/Time Deposit	₹18.95 Cr	8.37%
Power Finance Corporation Ltd.	Bond - Corporate Bond	₹14.94 Cr	6.60%
Kotak Mahindra Bank Limited	Cash - CD/Time Deposit	₹14.07 Cr	6.21%
Bank Of Baroda	Cash - CD/Time Deposit	₹11.79 Cr	5.21%
Shriram Finance Limited	Bond - Corporate Bond	₹10.03 Cr	4.43%
360 One Prime Limited	Bond - Corporate Bond	₹10 Cr	4.41%
Small Industries Development Bank Of India	Bond - Corporate Bond	₹9.99 Cr	4.41%
Godrej Industries Limited	Bond - Corporate Bond	₹9.98 Cr	4.40%
Piramal Capital & Housing Finance Ltd	Cash - Commercial Paper	₹9.84 Cr	4.34%
Bajaj Housing Finance Limited	Bond - Corporate Bond	₹9.01 Cr	3.98%
6.75% Govt Stock 2029	Bond - Gov't/Treasury	₹8.55 Cr	3.78%
Sikka Ports & Terminals Limited	Bond - Corporate Bond	₹6.92 Cr	3.05%
India (Republic of)	Bond - Short-term Government Bills	₹6.78 Cr	2.99%
Net Receivable/Payable	Cash - Collateral	₹5.23 Cr	2.31%
7.38% Govt Stock 2027	Bond - Gov't/Treasury	₹5.08 Cr	2.24%
Power Finance Corporation Limited	Bond - Corporate Bond	₹5.03 Cr	2.22%
Godrej Industries Limited	Bond - Corporate Bond	₹5.03 Cr	2.22%
Small Industries Development Bank Of India	Bond - Corporate Bond	₹5.02 Cr	2.21%
Mahindra & Mahindra Financial Services Ltd	Bond - Corporate Bond	₹5 Cr	2.21%
Rec Limited	Bond - Corporate Bond	₹4.99 Cr	2.20%
Ccil	Cash - Repurchase Agreement	₹4.98 Cr	2.20%
Bank Of Baroda	Cash - CD/Time Deposit	₹4.93 Cr	2.18%
LIC Housing Finance Ltd	Bond - Corporate Bond	₹4.91 Cr	2.17%
Jamnagar Utilities & Power Private Limited	Bond - Corporate Bond	₹4.9 Cr	2.16%
Cholamandalam Investment And Fin. Co. Ltd	Bond - Corporate Bond	₹4 Cr	1.76%
Rural Electrification Corporation Limited	Bond - Corporate Bond	₹3.01 Cr	1.33%
Indian Railway Finance Corporation Limited	Bond - Corporate Bond	₹3 Cr	1.32%
Corporate Debt Market Development Fund - Class A2 Units	Mutual Fund - Open End	₹0.65 Cr	0.29%

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Instruments	Amount	Holdings
Bond - Corporate Bond	₹135.65 Cr	59.89%
Cash - CD/Time Deposit	₹49.74 Cr	21.96%
Bond - Gov't/Treasury	₹13.64 Cr	6.02%
Cash - Commercial Paper	₹9.84 Cr	4.34%
Bond - Short-term Government Bills	₹6.78 Cr	2.99%
Cash - Collateral	₹5.23 Cr	2.31%
Cash - Repurchase Agreement	₹4.98 Cr	2.20%
Mutual Fund - Open End	₹0.65 Cr	0.29%

Risk & Performance Ratios

Fund Managers

Killol Pandya

Since November 2024

Naghma Khoja

Since April 2024

Ruchi Fozdar

Since April 2024

Additional Scheme Detailsas of 15th March 2025

ISIN

INF192K01DW3

Expense Ratio

0.35%

Exit Load

No Charges

Fund Size

₹227 Cr

Age

12 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
Mahindra Manulife Low Duration Fund Direct Growth Moderate Risk	0.3%	0.0%	₹588.74 Cr	8.1%
Mahindra Manulife Low Duration Fund Regular Growth Moderate Risk	1.1%	0.0%	₹588.74 Cr	7.2%
Tata Treasury Advantage Fund Regular Growth Low to Moderate Risk	0.6%	0.0%	₹2391.87 Cr	7.5%
Kotak Low Duration Fund Regular Growth Moderate Risk	1.2%	0.0%	₹11678.60 Cr	7.4%
Mirae Asset Savings Fund Regular Growth Low to Moderate Risk	0.9%	0.0%	₹1199.97 Cr	7.1%
HDFC Low Duration Fund Regular Growth Low to Moderate Risk	1.0%	0.0%	₹18611.34 Cr	7.4%
Bandhan Low Duration Fund Regular Growth Low to Moderate Risk	0.6%	0.0%	₹5374.26 Cr	7.4%
Canara Robeco Savings Fund Regular Growth Low to Moderate Risk	0.6%	0.0%	₹770.26 Cr	7.4%
ICICI Prudential Savings Fund Regular Growth Moderate Risk	0.5%	0.0%	₹21665.30 Cr	7.9%
Sundaram Low Duration Fund Regular Growth Low to Moderate Risk	1.2%	0.0%	₹372.68 Cr	7.3%

About the AMC

JM Financial Mutual Fund

+91 22 61987777

https://www.jmfinancialmf.com/

Total AUM

₹13,534 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%	₹212.09 Cr	7.4%
JM Equity Hybrid Fund Direct Growth Very High Risk	0.7%	1.0%	₹729.07 Cr	10.0%
JM Focused Fund Direct Growth Very High Risk	0.8%	1.0%	₹217.48 Cr	8.5%
JM Value Fund Direct Growth Very High Risk	1.1%	1.0%	₹1388.07 Cr	6.5%
JM Low Duration Fund Direct Growth Low to Moderate Risk	0.3%	0.0%	₹226.52 Cr	7.9%
JM Large Cap Fund Direct Growth Very High Risk	0.7%	1.0%	₹457.68 Cr	2.8%
JM Liquid Fund Direct Growth Low to Moderate Risk	0.2%	0.0%	₹3497.37 Cr	7.3%
JM Dynamic Bond Fund Direct Growth Moderate Risk	0.5%	0.0%	₹44.03 Cr	9.2%
JM Medium to Long Duration Fund Direct Growth Moderate Risk	0.5%	0.0%	₹24.95 Cr	8.9%
JM Flexicap Fund Direct Growth Very High Risk	0.6%	1.0%	₹4899.24 Cr	10.2%
JM Tax Gain Fund Direct Growth Very High Risk	1.3%	0.0%	₹167.42 Cr	13.6%
JM Midcap Fund Direct Growth Very High Risk	0.6%	1.0%	₹1198.23 Cr	15.3%
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%	₹114.81 Cr	8.3%

Risk Level

Your principal amount will be at Low to Moderate Risk

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Still got questions?
We're here to help.

What is the current NAV of JM Low Duration Fund Direct Growth?

The NAV of JM Low Duration Fund Direct Growth, as of 27-Mar-2025, is ₹37.23.

What are the returns of JM Low Duration Fund Direct Growth?

The fund has generated 7.90% over the last 1 year and 6.78% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.

What is the portfolio composition of JM Low Duration Fund Direct Growth?

The fund's allocation of assets is distributed as 0.00% in equities, 62.73% in bonds, and 36.98% in cash and cash equivalents.

Who manages the JM Low Duration Fund Direct Growth?

The fund managers responsible for JM Low Duration Fund Direct Growth are:-

Killol Pandya
Naghma Khoja
Ruchi Fozdar

Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.

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Fund Overview

Fund Size

₹227 Cr

Expense Ratio

0.35%

ISIN

INF192K01DW3

Minimum SIP

₹100

Exit Load

No Charges

Inception Date

01 Jan 2013

Risk Level

Your principal amount will be at Low to Moderate Risk