HealthyPlan n/a · Option n/aFit for a long SIP
Navi Total Stock Market US Specific Equity Passive FoF
- NAV
- 22.7088
- 4 Nov 2026
- 1Y
- +21.9%
- Trailing CAGR
- AUM
- ₹982 Cr
- 30 Jun 2026
- Volatility
- High
- 18.1% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 4 Nov 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · Three-year return is above the category median.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Buy checklist
History depth
Watch
4.7 years - usable, still building a track record.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
n/a
TER not on file yet.
Drawdown vs peers
Pass
Peak-to-trough -20.0%. Ask whether you can hold through a similar fall.
Vs category
Fail
3% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
n/a
Holdings weights not on file for this scheme yet.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+21.9%
- 3Y+26.6%
- 5Yn/a
- 10Yn/a
- SI+18.9%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+17.2%
- 3Y+23.8%
- 5Yn/a
- 10Yn/a
- Since inception
- +18.9%
- Calendar-day CAGR
- Excess 1Y
- +3.9%
- Category median, same plan and option
- 3Y win rate
- +3%
- Windows beating the median
- 3Y percentile
- 75
- Vs comparable share classes
- SIP 3Y XIRR
- +23.8%
- Simulated monthly SIP
- Worst rolling 3Y
- +7.7%
- 406 daily-ending windows
- Median rolling 3Y
- +24.3%
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -20.0%
- Worst peak-to-trough
- Current
- -3.4%
- Below last peak
- Current spell
- 26 days
- Days below latest peak
- Time below peak
- +83%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 10 days
- 92 recovered episodes
- Longest recovery
- 355 days
- Trough to prior peak
19 Feb 2025 – 10 Jul 2025
Trough 8 Apr 2025 · recovered in 93 days
-20.0%
29 Mar 2022 – 6 Jun 2023
Trough 16 Jun 2022 · recovered in 355 days
-19.4%
31 Jul 2023 – 22 Nov 2023
Trough 27 Oct 2023 · recovered in 26 days
-9.8%
16 Jul 2024 – 30 Aug 2024
Trough 5 Aug 2024 · recovered in 25 days
-8.3%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
75
Vs category
74
Consistency
10
Risk-adjusted
64
Drawdown
50
Mean
55
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
What changed
DECISION
Status moved from MONITOR to HEALTHY.
3 Nov 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
8 Sept 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Baroda BNP Paribas Aqua Fund of Fund
Baroda BNP Paribas Mutual Fund
- 1Y
- +18.7%
- 3Y
- +17.4%
- Vol
- 16.7%
- Max DD
- -17.7%
- Sharpe
- 0.50
- 3Y win
- +4%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Lower trailing returns
DSP US Specific Debt Passive FoF
DSP Mutual Fund
- 1Y
- +5.7%
- 3Y
- n/a
- Vol
- 6.4%
- Max DD
- -4.8%
- Sharpe
- 0.45
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Lower trailing returns
Motilal Oswal Developed Market Ex US ETFs Overseas Equity Passive FOF
Motilal Oswal Mutual Fund
- 1Y
- +24.5%
- 3Y
- +22.8%
- Vol
- 15.2%
- Max DD
- -14.3%
- Sharpe
- 1.06
- 3Y win
- +48%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Lower trailing returns
Aditya Birla Sun Life Global Excellence Equity Fund Of Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +16.4%
- 3Y
- +21.4%
- Vol
- 17.3%
- Max DD
- -39.1%
- Sharpe
- 0.27
- 3Y win
- +31%
- Lower volatility
- Higher win rate vs category
Caveat: Deeper drawdown · Lower trailing returns
DSP Global Innovation Overseas Equity Omni FoF
DSP Mutual Fund
- 1Y
- +14.0%
- 3Y
- +26.6%
- Vol
- 20.6%
- Max DD
- -27.6%
- Sharpe
- 0.72
- 3Y win
- +100%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown