Navi Flexi Cap Fund - IDCW - Monthly

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Flexi Cap Fund

Fund House : Essel Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 23.6156 0.59%
(as on 12th November, 2025)

Crisil Rating

Below average performance among peers

Fund Size

: ₹ 262.98 Cr

(0.05% of Investment in Category)

Expense Ratio

: 2.29%

(1.9% Category average)

Risk-O-Meter

Very High Risk

Flexi Cap Fund :Flexi Cap Fund : The fund has 90.56% investment in domestic equities of which 33.8% is in Large Cap stocks, 9.95% is in Mid Cap stocks, 19.59% in Small Cap stocks.The fund has 2.79% investment in Debt, of which , 2.79% is in Low Risk securities.

Suitable For : Investors who are looking to invest money for at least 3-4 years and looking for high returns. At the same time, these investors should also be ready for possibility of moderate losses in their investments.

1M
3M
6M
1Y
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5Y
ALL

This Scheme

VS

Benchmark
Nifty 500 TRI

2.25%

5.83%

6.7%

7.84%

18.3%

19.38%

12.62%
NA
1.32%

4.8%

6.67%

5.07%

17.51%

18.66%

14.32%

NA
Gold

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SIP Calculator
VIP (Value Avg)

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Profit/Loss

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Annualised Returns

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Returns (NAV as on 12th November, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	04-Nov-25	10044.10	0.44%	-	0.27%	16/42
1 Month	10-Oct-25	10244.30	2.44%	-	1.32%	6/41
3 Month	12-Aug-25	10717.70	7.18%	-	4.80%	5/41
6 Month	12-May-25	10922.00	9.22%	-	6.67%	7/39
YTD	01-Jan-25	10423.60	4.24%	-	3.56%	17/39
1 Year	12-Nov-24	10417.90	4.18%	4.18%	5.07%	28/39
2 Year	10-Nov-23	12698.90	26.99%	12.63%	17.51%	35/37
3 Year	11-Nov-22	14360.10	43.60%	12.80%	16.22%	29/32
5 Year	12-Nov-20	21497.80	114.98%	16.53%	18.66%	17/24
Since Inception	09-Jul-18	23615.60	136.16%	12.40%	14.32%	30/39

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 12th November, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	12-Nov-24	12000	12932.87	7.77 %	14.66 %
2 Year	10-Nov-23	24000	26260.76	9.42 %	8.89 %
3 Year	11-Nov-22	36000	42952.05	19.31 %	11.78 %
5 Year	12-Nov-20	60000	82291.01	37.15 %	12.58 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 12.5%, if your total long term capital gain exceeds 1.25 lakh. Any cess/surcharge is not included. If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 20%. Any cess/surcharge is not included in the 20%.

Portfolio (Updated on 31st Oct,2025)

Equity Holding : 90.56% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 90.56%

No of Stocks : 69 (Category Avg - 63.17) | Large Cap Investments : 33.8%| Mid Cap Investments : 9.95% | Small Cap Investments : 19.59% | Other : 27.22%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
# HDFC Bank Ltd.	Private sector bank	156	5.93%	0.00%	7.24% (Jul 2025)	2.18% (Oct 2024)	1.58 L	-0.25 L
# ICICI Bank Ltd.	Private sector bank	118.4	4.50%	0.00%	5.11% (Jul 2025)	2.95% (Oct 2024)	88.00 k	0.00
# Axis Bank Ltd.	Private sector bank	104.2	3.96%	0.00%	4.1% (Apr 2025)	2.29% (Dec 2024)	84.50 k	0.00
# Shriram Finance Ltd.	Non banking financial company (nbfc)	92.5	3.52%	0.00%	3% (Sep 2025)	1.33% (Dec 2024)	1.24 L	0.00
# Usha Martin Ltd.	Iron & steel products	81.8	3.11%	0.00%	3.19% (Sep 2025)	1.07% (Nov 2024)	1.76 L	0.00
# Sansera Engineering Ltd.	Auto components & equipments	78.7	2.99%	0.00%	2.82% (Sep 2025)	0% (Oct 2024)	52.00 k	0.00
# Bharti Airtel Ltd.	Telecom - cellular & fixed line services	74	2.81%	0.00%	2.76% (Jun 2025)	2.17% (Oct 2024)	36.00 k	0.00
# Kotak Mahindra Bank Ltd.	Private sector bank	73.6	2.80%	0.00%	2.75% (Sep 2025)	0% (Oct 2024)	35.00 k	0.00
# BLS International Services Ltd.	Diversified commercial services	68.3	2.60%	0.00%	2.76% (Sep 2025)	0% (Oct 2024)	2.17 L	0.00
# Reliance Industries Ltd.	Refineries & marketing	63.9	2.43%	0.00%	2.46% (Jun 2025)	1.59% (Dec 2024)	43.00 k	0.00

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

No of Debt Holding 5 (Category Avg - 2.40) | Modified Duration 0.00 Years (Category Avg - 0.00)| Yield to Maturity - -- (Category Avg - 0.00%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	0.00%	0.10%
CD	0.00%	0.25%
T-Bills	0.00%	0.25%
CP	2.08%	0.07%
NCD & Bonds	0.71%	0.02%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	0.00%	0.00%
Low Risk	2.79%	0.34%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	6.65%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 31st October, 2025)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

11.95vs12.91

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

0.89vs0.94

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.57vs0.83

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.08vs0.11

Category Avg
Jensen's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Poor risk adjusted returns

-2.35vs0.88

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Helios Flexi Cap Fund - Regular Plan - Growth	NA	4936.69	1.86	8.05	12.83	10.95	0.00
HDFC Flexi Cap Fund - Growth	5	91041.00	0.72	5.42	6.27	10.86	21.40
Mirae Asset Flexi Cap Fund - Regular Plan - Growth	NA	3303.69	3.10	6.01	9.58	10.31	0.00
Kotak Flexi Cap Fund - Growth	4	56039.86	1.38	4.75	6.72	10.10	16.60
Aditya Birla Sun Life Flexi Cap Fund - Regular Plan - Growth	4	24443.27	3.35	6.90	7.39	9.83	17.36
ICICI Prudential Flexicap Fund - Regular Plan - Growth	4	19620.81	0.05	8.50	10.20	9.10	18.65
WhiteOak Capital Flexi Cap Fund - Regular Plan - Growth	4	6481.36	2.55	5.71	7.71	9.02	18.99
Bajaj Finserv Flexi Cap Fund - Regular Plan - Growth	NA	6034.03	2.08	5.86	10.38	8.76	0.00
Bandhan Flexi Cap Fund - Regular Plan - Growth	3	7645.00	2.09	4.78	6.22	8.61	15.35
Tata Flexi Cap Fund - Growth	4	3617.70	0.60	4.72	5.26	8.43	15.84

Detailed Comparison

More Funds from Essel Mutual Fund

Out of 19 mutual fund schemes offered by this AMC, 3 is/are ranked 3 * , 2 is/are ranked 2 * , 1 is/are ranked 1 * , and 13 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Navi Nifty 50 Index Fund - Regular Plan - Growth	3	3714.63	2.46	5.81	4.66	9.34	12.97
Navi US Nasdaq100 FOF - Regular Plan - Growth	NA	1151.02	5.23	8.19	26.89	27.16	33.35
Navi US Nasdaq100 FOF - Regular Plan - Growth	NA	1151.02	0.00	0.00	0.00	0.00	0.00
Navi Nifty Next 50 Index Fund - Regular Plan - Growth	NA	1022.78	1.61	5.32	7.36	2.21	17.04
Navi US Total Stock Market Fund of Fund - Regular Plan - Growth	NA	975.48	0.00	0.00	0.00	0.00	0.00
Navi US Total Stock Market Fund of Fund - Regular Plan - Growth	NA	975.48	4.12	7.39	21.55	19.60	23.51
Navi Nifty Bank Index Fund - Regular Plan - Growth	NA	643.16	2.86	5.63	5.54	13.73	11.19
Navi Nifty Midcap 150 Index Fund - Regular Plan - Growth	NA	345.98	2.95	6.72	9.86	8.09	22.43
Navi Large & Midcap Fund - Regular Plan - Growth	2	318.87	2.68	5.61	6.26	4.01	13.08
Navi Flexi Cap Fund - Growth	2	262.98	2.45	7.18	9.22	4.18	12.78