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Fund Performance & Ratings

Learn to measure, compare and evaluate mutual fund performance using returns data, benchmark analysis, star ratings and risk-adjusted metrics.

Why Two SIP Investors in the Same Fund Report Different Returns Two SIP investors in the same fund report different returns mainly due to varying investment start dates and the resulting impact … 5 min read
Why SIP Returns and Lumpsum Returns in the Same Fund Always Differ The returns from a Systematic Investment Plan (SIP) and a lumpsum investment in the same fund differ because of timing. A lumpsum … 5 min read
How to Read the Returns Table in a Mutual Fund Monthly Factsheet Reading a mutual fund returns table involves more than just looking at the 1-year performance. To properly check mutual fund perfo… 5 min read
Why Returns Calculated From NFO Date Can Mislead You About a Fund's True Performance Returns calculated from a fund's New Fund Offer (NFO) date can be misleading because they are heavily influenced by market timing … 5 min read
What Is the NAV-Based Return Calculation Method in Mutual Funds? The NAV-based return calculation method is the standard way to measure a mutual fund's growth by comparing its Net Asset Value (NA… 5 min read
Returns Reported by a Fund vs Returns Earned by the Investor — Why They Differ A fund's reported return, like a 15% CAGR, assumes a single investment at the start of the period. Your actual return differs beca… 5 min read
What Is the Difference Between Total Return and Capital Gain Return in Mutual Funds? Total Return in mutual funds includes all income generated by the fund, such as capital gains and dividends, giving a complete pic… 5 min read
How to Compare a Multicap Fund Fairly When Its Benchmark Changed Mid-Period Compare a multicap fund across a benchmark change by using rolling returns, excess return over the right benchmark for each window… 5 min read
What Is the CRISIL Composite Bond Fund Index and When Is It Used? The CRISIL Composite Bond Fund Index is a benchmark used to measure the performance of Indian debt mutual funds with diversified p… 5 min read
Why a Fund That "Beats Benchmark" in a Bad Year May Still Be Underperforming A mutual fund that beats its benchmark in a bad year may seem like a strong performer, but this can be misleading. The fund might … 5 min read
How SEBI Defines an Additional Benchmark for Equity Mutual Funds SEBI defines an additional benchmark for equity mutual funds to provide a clearer performance comparison. This means funds must be… 5 min read
How the Top-Rated Fund in One Agency Can Be Average in Another A top-rated fund in one agency can be average in another because each agency uses a unique, secret formula to weigh factors like r… 5 min read
How to Evaluate a Fund in a New SEBI Category Where No Rated Peers Exist When evaluating a fund in a new SEBI category, you must look beyond ratings. Analyze the fund's mandate, the fund manager's past p… 5 min read
How the 2013 Taper Tantrum Hit Indian Debt Funds — And What It Revealed The 2013 Taper Tantrum hit Indian debt funds by causing a sudden exit of foreign capital, which led to a sharp rise in bond yields… 5 min read
How NRI Investors Should Read Market Cycle Performance for Indian Mutual Funds As an NRI investor, checking mutual fund performance in India requires looking beyond simple annual returns. You must analyze how … 5 min read
What Is "Market Cap Allocation" in a Mutual Fund Factsheet? Market Cap Allocation in a mutual fund factsheet shows you the percentage of the fund's money invested in large, mid, and small-si… 5 min read
What Does "Cash and Cash Equivalents" in a Mutual Fund Factsheet Mean? Cash and cash equivalents in a mutual fund factsheet represent the fund's most liquid assets, essentially money that can be quickl… 5 min read
Why Mutual Fund Factsheets Lag by One Month — And What to Do About It Mutual fund factsheets lag by one month because of the time needed to collect, verify, and calculate a huge amount of portfolio da… 5 min read
How to Use Factsheets to Identify Window Dressing in Mutual Funds Mutual fund factsheets reveal window dressing when you compare top holdings, sector allocations, and turnover ratios across consec… 5 min read
How to Check If a Fund's Portfolio Has Changed Significantly Since You Invested To check if a fund's portfolio has changed, you need to compare its current fund factsheet with an older one from when you investe… 5 min read
What Does the Sharpe Ratio Value in a Factsheet Mean for a Conservative Investor? The Sharpe Ratio measures a fund's return compared to its risk. For a conservative investor, a higher Sharpe Ratio (ideally above … 5 min read
How to Create a Personal Fund Report Card Using Factsheet Data To check mutual fund performance in India, gather factsheets, identify key data like returns and benchmark comparison, and create … 5 min read
What Is the Macroeconomic Commentary Section in a Fund's Annual Report? The macroeconomic commentary in a fund's annual report is the section where the fund management team explains how broad economic t… 5 min read