Mutual Funds Near 52-Week Lows: Is Now the Best Time to Buy?

This article lists funds that are currently close to their lowest NAVs in the past year.

Mutual Funds Near 52-Week Lows: Is Now the Best Time to Buy?


Posted on 03 Feb 2025 • Updated on: 15 Jun 2025
Author: Sayan Sircar
Tags: Tags Screener ;  Mutual Funds
19 mins read
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This article lists funds that are currently close to their lowest NAVs in the past year.

Mutual Funds Near 52-Week Lows: Is Now the Best Time to Buy?

Disclaimer: The Fund names in this article are not recommendations to buy/hold/sell. Mutual funds are subject to market risks. Do not invest real money without adequate research.

📚 Table of Contents

Mutual Funds Near Their 52-Week Lows ? Should You Buy?

Identifying mutual funds trading close to their 52-week lows will give you an idea that the market has bottomed out. We already have a list of funds available for bottom-fishing based on the fall of their 52-week high NAVs: Bottom fishing tracker: which mutual funds have fallen the most?

Objection: Isn't buying at 52-week lows just market timing?
Response: While it may seem like market timing, this approach is about performing an initial shortlist of funds as a part of a broader fund-picking strategy.

This article will show you a list of funds that have fallen and are trading very close to their 52-week low NAVs.


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Who Benefits from This Strategy?

Investors who have received a recent windfall like an annual bonus, money from a property sale or are simply rebalancing their portfolio, can start their mutual fund shortlisting journey from a list like this.

We recommend having the experience of at least one market cycle because, without it, it is easy to believe that stock markets rise 15-20% every year, like a supercharged fixed deposit.

If you are not this type of investor, it’s best to continue your SIP in your chosen funds as-is without making any additional changes.

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Which mutual funds are trading closest to their 52-week lows?

We have set a threshold of 10% or less closeness to the 52-week low NAV to identify these opportunities using NAV data from AMFI for the closing date of 17-Jun-2025.

A fund will make it to this list if, for example, the 52-week low NAV is 50 and its current NAV is equal to or lower than 55. A maximum of 10 funds in each category are presented to keep the list of funds manageable.

Debt: Liquid

Fund Change (%) NAV (52w low) Latest NAV
Shriram Liquid 3.85 1002.1019 1040.6424
Motilal Oswal Liquid 6.95 13.0017 13.9056
Quantum Liquid 7.01 32.8566 35.1602
Parag Parikh Liquid 7.05 1359.9623 1455.8509
ITI Liquid 7.20 1276.3880 1368.2992
360 ONE LIQUID 7.21 1882.3046 2017.9747
WhiteOak Capital Liquid 7.31 1313.5425 1409.5588
JM Liquid 7.33 66.9361 71.8426
SBI Liquid 7.34 3832.7020 4114.0857
TRUSTMF Liquid 7.34 1187.0123 1274.1925

Debt: Medium To Long Duration

Fund Change (%) NAV (52w low) Latest NAV
BANK OF INDIA Conservative Hybrid 6.20 34.3474 36.4772
Franklin India Medium to Long Duration 7.13 9.9889 10.7008
BANDHAN Bond 7.60 65.5036 70.4806
CANARA ROBECO INCOME 8.90 56.9270 61.9924
Aditya Birla Sun Life Income 9.24 123.6707 135.1017
Nippon India Income 9.33 26.1576 28.5982
Nippon India Income 9.33 91.5373 100.0780
UTI Medium to Long Duration 9.64 72.8866 79.9103
HDFC Income 9.69 58.6323 64.3167
SBI Magnum Income 9.72 69.4221 76.1671

Debt: Dynamic Bond

Fund Change (%) NAV (52w low) Latest NAV
BANDHAN Dynamic Bond 7.93 34.7176 37.4708
CANARA ROBECO DYNAMIC BOND 8.35 29.7856 32.2736
Groww Dynamic Bond 8.40 1405.7444 1523.7774
Union Dynamic Bond 8.79 22.5863 24.5720
HDFC Dynamic Debt 9.30 90.2815 98.6738
Mirae Asset Dynamic Bond 9.33 16.1690 17.6769
DSP Strategic Bond 9.34 3275.3106 3581.3574
Baroda BNP Paribas Dynamic Bond 9.62 46.4033 50.8658
SBI Dynamic Bond 9.68 35.5604 39.0011
Mahindra Manulife Dynamic Bond 9.85 14.0398 15.4228

Debt: Low Duration

Fund Change (%) NAV (52w low) Latest NAV
Edelweiss Low Duration 2.31 1000.7779 1023.9413
Franklin India Low Duration 2.88 10.0000 10.2877
BANDHAN Low Duration 8.33 36.4480 39.4844
CANARA ROBECO SAVINGS 8.37 39.9273 43.2703
Invesco India Low Duration 8.40 3631.1238 3936.2753
DSP Low Duration 8.40 18.8729 20.4591
Tata Treasury Advantage 8.46 3723.9816 4038.8712
JM Low Duration 8.47 35.0497 38.0175
LIC MF Low Duration 8.49 39.4654 42.8168
BARODA BNP PARIBAS LOW DURATION 8.50 40.3843 43.8161

Debt: Gilt

Fund Change (%) NAV (52w low) Latest NAV
Bajaj Finserv Gilt 3.82 1000.1294 1038.3701
BANDHAN Government Securities 8.19 35.0050 37.8723
Union Gilt 8.25 11.3897 12.3295
Aditya Birla Sun Life Government Securities 8.33 79.9940 86.6605
LIC MF Gilt 8.35 60.3380 65.3739
Kotak GiltInvestment Provident 8.56 102.4526 111.2224
CANARA ROBECO GILT 8.69 74.5294 81.0087
Edelweiss Government Securities 8.81 23.9499 26.0593
quant Gilt 8.86 11.1279 12.1136
HSBC Gilt 8.94 69.3510 75.5541

Hybrid: Conservative

Fund Change (%) NAV (52w low) Latest NAV
Sundaram Conservative Hybrid 7.73 30.1304 32.4603
BANDHAN Conservative Hybrid 7.86 32.9941 35.5858
HDFC Hybrid Debt 8.07 80.5848 87.0918
SBI Conservative Hybrid 8.08 72.7932 78.6757
Kotak Debt Hybrid 8.53 61.7618 67.0318
BARODA BNP PARIBAS Conservative Hybrid 8.78 49.7496 54.1159
LIC MF Conservative Hybrid 8.98 83.3277 90.8094
HSBC Conservative Hybrid 9.38 62.2804 68.1241
Nippon India Hybrid Bond 9.48 57.8390 63.3227
Axis Conservative Hybrid 9.50 31.8989 34.9281

Debt: Ultra Short Duration

Fund Change (%) NAV (52w low) Latest NAV
Franklin India Ultra Short Duration 6.38 10.0000 10.6381
Motilal Oswal Ultra Short Term 6.73 16.2969 17.3937
BANK OF INDIA Ultra Short Duration 7.66 3031.9948 3264.3799
WhiteOak Capital Ultra Short Duration 7.73 1305.6756 1406.6417
ITI Ultra Short Duration 7.73 1185.5958 1277.2220
CANARA ROBECO ULTRA SHORT TERM 7.81 3740.3495 4032.3276
PGIM India Ultra Short Duration 7.84 32.9614 35.5462
BANDHAN ULTRA SHORT TERM 7.90 14.2503 15.3757
SBI MAGNUM ULTRA SHORT DURATION 7.95 5621.1392 6068.2777
LIC MF Ultra Short Duration 7.95 1248.0926 1347.2913

Debt: Short Duration

Fund Change (%) NAV (52w low) Latest NAV
Union Short Duration 3.94 10.0087 10.4028
CANARA ROBECO SHORT DURATION 9.06 25.3923 27.6937
JM Short Duration 9.50 11.2427 12.3103
Tata Short Term Bond 9.53 48.3867 52.9981
UTI Short Duration 9.61 30.8182 33.7784
TRUSTMF Short Duration 9.64 1163.7532 1275.9915
Invesco India Short Duration 9.79 3587.5795 3938.7923
ICICI Prudential Short Term 9.80 59.7585 65.6139
HSBC Short Duration 9.82 25.5697 28.0800
HDFC Short Term Debt 9.83 30.1131 33.0726

Debt: Money Market

Fund Change (%) NAV (52w low) Latest NAV
Bank of India Money Market 3.23 10.0047 10.3283
LIC MF Money Market 7.04 1123.2534 1202.2824
DSP Savings 7.99 50.1703 54.1779
Union Money Market 8.02 1170.5491 1264.4706
TRUSTMF MONEY MARKET 8.09 1132.4742 1224.0481
PGIM India Money Market 8.18 1262.6078 1365.8884
Invesco India Money Market 8.22 2909.6083 3148.7333
Baroda BNP Paribas Money Market 8.23 1291.1419 1397.3637
Sundaram Money Market 8.28 13.9302 15.0832
HSBC Money Market 8.29 25.5442 27.6627

Other: FoF Domestic

Fund Change (%) NAV (52w low) Latest NAV
Baroda BNP Paribas Income Plus Arbitrage Active FOF 0.13 10.0040 10.0166
Baroda BNP Paribas Multi Asset Active FOF 0.49 10.0111 10.0598
SBI Income Plus Arbitrage Active FOF 0.70 9.9882 10.0583
UTI Income Plus Arbitrage Active 1.71 10.0090 10.1803
HDFC Income Plus Arbitrage Active FOF 4.71 40.8907 42.8155
BHARAT Bond FOF April 2025 Pan 6.57 12.0987 12.8931
HSBC Income Plus Arbitrage Active FOF 8.09 20.9769 22.6746
BANDHAN Asset Allocation 8.19 32.8899 35.5832
Axis Nifty AAA Bond Plus SDL Apr 2026 5050 ETF FOF 8.23 11.3171 12.2490
BANDHAN Asset Allocation 8.57 39.3549 42.7277

Hybrid: Arbitrage

Fund Change (%) NAV (52w low) Latest NAV
quant Arbitrage 1.35 10.0075 10.1422
Samco Arbitrage 3.20 10.0000 10.3200
Motilal Oswal Arbitrage 3.51 10.0112 10.3629
Franklin India Arbitrage 4.19 10.0000 10.4193
WhiteOak Capital Arbitrage 5.82 10.0130 10.5960
Mahindra Manulife Arbitrage 6.54 12.0329 12.8194
NJ Arbitrage 6.96 11.4100 12.2041
JM Arbitrage 7.22 32.3582 34.6953
BANK OF INDIA Arbitrage 7.29 13.3904 14.3666
Parag Parikh Arbitrage 7.29 10.4896 11.2540

Hybrid: Equity Savings

Fund Change (%) NAV (52w low) Latest NAV
WhiteOak Capital Equity Savings 5.33 9.9930 10.5260
Union Equity Savings 6.32 16.2900 17.3200
Nippon India Equity Savings 6.38 16.4050 17.4522
Nippon India Equity Savings 6.38 16.4050 17.4522
HSBC Equity Savings 6.94 33.6006 35.9314
Kotak Equity Savings 7.00 26.4171 28.2669
HDFC Equity Savings 7.36 68.1320 73.1450
PGIM India Equity Savings 7.56 51.5291 55.4249
Mahindra Manulife Equity Savings 7.59 21.9853 23.6529
BANDHAN Equity Savings 7.68 31.9530 34.4080

Equity: Dividend Yield

Fund Change (%) NAV (52w low) Latest NAV
Templeton India Equity Income 8.28 138.2964 149.7436

Solution: Retirement Fund

Fund Change (%) NAV (52w low) Latest NAV
Axis Retirement 7.37 16.0936 17.2794
SBI Retirement Benefit 7.40 14.8177 15.9136
Aditya Birla Sun Life Retirement 8.08 13.2206 14.2894
Tata Retirement Savings 8.26 34.1585 36.9789
HDFC Retirement Savings 8.39 22.3698 24.2472
SBI Retirement Benefit 8.61 13.4302 14.5860
ICICI Prudential Retirement 8.64 17.0979 18.5747
Aditya Birla Sun Life Retirement 8.72 14.4451 15.7045
Franklin India PENSION PLAN 8.81 218.9754 238.2699
Nippon India Retirement 9.18 21.0350 22.9668

Hybrid: Dynamic Asset Allocation Or Balanced Advantage

Fund Change (%) NAV (52w low) Latest NAV
Unifi Dynamic Asset Allocation 2.30 10.0047 10.2353
Samco Dynamic Asset Allocation 5.32 10.1500 10.6900
Shriram Balanced Advantage 6.98 17.4112 18.6268
Tata Balanced Advantage 7.79 20.7915 22.4120
SBI Balanced Advantage 8.18 14.6454 15.8433
Invesco India Balanced Advantage 8.65 57.8300 62.8300
Sundaram Balanced Advantage 8.88 37.4277 40.7502
Union Balanced Advantage 8.89 19.6900 21.4400
BANDHAN Balanced Advantage 8.95 25.4060 27.6800
NJ Balanced Advantage 9.03 12.9500 14.1200

Debt: Floater

Fund Change (%) NAV (52w low) Latest NAV
UTI Floater 8.35 1443.9535 1564.5613
Aditya Birla Sun Life Floating Rate 8.86 328.1167 357.2004
SBI Floating Rate Debt 8.95 12.3206 13.4229
HDFC Floating Rate Debt 9.41 46.5616 50.9431
ICICI Prudential Floating Interest 9.43 423.0562 462.9414
Tata Floating Rate 9.49 11.8672 12.9930
Nippon India Floating Rate 9.84 43.3173 47.5796
KOTAK FLOATING RATE 9.92 1406.9892 1546.5404

Hybrid: Balanced

Fund Change (%) NAV (52w low) Latest NAV
360 ONE Balanced Hybrid 8.62 11.8821 12.9064
Nippon India Balanced Advantage 8.76 181.0539 196.9190

Debt: Corporate Bond

Fund Change (%) NAV (52w low) Latest NAV
CANARA ROBECO CORPORATE BOND 8.94 21.3621 23.2717
DSP Corporate Bond 9.24 14.8666 16.2402
TRUSTMF CORPORATE BOND 9.24 1101.6187 1203.4251
ICICI Prudential Corporate Bond 9.52 28.5406 31.2590
Sundaram Corporate Bond 9.76 37.8674 41.5646
BANDHAN Corporate Bond 9.78 18.0536 19.8193
Mirae Asset Corporate Bond 9.78 11.8601 13.0205
Aditya Birla Sun Life Corporate Bond 9.81 104.6270 114.8932
HDFC Corporate Bond 9.86 30.3010 33.2881
Tata Corporate Bond 9.86 11.4982 12.6322

Debt: Medium Duration

Fund Change (%) NAV (52w low) Latest NAV
Sundaram Medium Duration 8.72 70.9822 77.1695
UTI Medium Duration 9.60 17.8752 19.5910
SBI MAGNUM MEDIUM DURATION 9.82 50.3162 55.2581
Nippon India Strategic Debt 9.82 15.2139 16.7078
Invesco India Medium Duration 9.83 1166.0278 1280.6622
HDFC Medium Term Debt 9.87 55.5433 61.0273

Debt: Banking And PSU

Fund Change (%) NAV (52w low) Latest NAV
Canara Robeco Banking and PSU Debt 8.71 11.1927 12.1675
ITI Banking PSU Debt 9.02 12.2565 13.3615
BANDHAN Banking PSU Debt 9.21 23.2100 25.3480
HSBC Banking and PSU Debt 9.24 23.4056 25.5681
TRUSTMF BANKING PSU 9.27 1187.0540 1297.1231
UTI Banking PSU 9.28 20.4143 22.3089
Franklin India Banking PSU Debt 9.36 21.4367 23.4433
ICICI Prudential Banking and PSU Debt 9.38 31.2023 34.1299
Axis Banking PSU Debt 9.44 2485.3415 2719.9983
Mirae Asset Banking and PSU 9.58 12.0996 13.2592

Debt: Credit Risk

Fund Change (%) NAV (52w low) Latest NAV
Kotak Credit Risk 9.09 30.2869 33.0398
BANDHAN Credit Risk 9.11 16.3040 17.7895
UTI Credit Risk 9.53 17.5852 19.2607
HDFC Credit Risk Debt 9.61 23.6622 25.9363
SBI CREDIT RISK 9.62 44.8688 49.1832

Debt: Overnight

Fund Change (%) NAV (52w low) Latest NAV
Zerodha Overnight 1.02 10.0213 10.1235
Samco Overnight 6.31 1112.4302 1182.6400
ITI Overnight 6.33 1232.0555 1310.0212
Shriram Overnight 6.41 11.2165 11.9354
Helios Overnight 6.44 1042.6215 1109.7259
CANARA ROBECO OVERNIGHT 6.45 1253.6870 1334.5134
JM Overnight 6.46 1231.5253 1311.1006
JM Overnight 6.46 1231.5412 1311.1202
NJ Overnight 6.47 1123.8195 1196.5508
Edelweiss Overnight 6.49 1255.6832 1337.1477

Equity: Sectoral or Thematic

Fund Change (%) NAV (52w low) Latest NAV
ICICI Prudential Quality 1.40 10.0100 10.1500
Kotak Energy Opportunities 1.86 10.0140 10.2000
Motilal Oswal Infrastructure 5.17 10.5087 11.0522
Shriram Multi Sector Rotation 5.80 7.4906 7.9247
Samco Active Momentum 7.28 13.5900 14.5800
ICICI Prudential FMCG 9.13 476.4100 519.8900
Axis ESG Integration Strategy 9.64 20.5500 22.5300

Hybrid: Aggressive

Fund Change (%) NAV (52w low) Latest NAV
PGIM India Hybrid Equity 9.87 138.4900 152.1600
Shriram Aggressive Hybrid 9.94 32.0756 35.2627

Debt: Long Duration

Fund Change (%) NAV (52w low) Latest NAV
Mirae Asset Long Duration 3.86 9.9452 10.3289
Franklin India Long Duration 4.07 9.9770 10.3827
UTI Long Duration 7.37 11.2685 12.0988
Axis Long Duration 8.13 1143.8335 1236.8719
Bandhan Long Duration 8.31 10.1984 11.0455
SBI Long Duration 8.37 11.4778 12.4383
HDFC Long Duration Debt 8.44 11.3409 12.2985
Kotak Long Duration 8.86 10.1740 11.0758
Nippon India Nivesh Lakshya 10.00 16.6669 18.3334

Hybrid: Multi Asset Allocation

Fund Change (%) NAV (52w low) Latest NAV
Edelweiss Multi Asset Allocation 9.09 10.7399 11.7162
Motilal Oswal Multi Asset 9.47 11.8056 12.9239
Shriram Multi Asset Allocation 9.79 11.3048 12.4116

Other: Index Funds

Fund Change (%) NAV (52w low) Latest NAV
Bajaj Finserv Nifty 50 Index 0.75 9.9266 10.0011
ANGEL ONE NIFTY 50 INDEX 0.75 9.9834 10.0583
HDFC CRISILIBX Financial Services 36 Months Debt Index 0.77 10.0026 10.0798
ICICI Prudential CRISILIBX Financial Services 36 Months Debt Index 2.00 10.0032 10.2032
Bandhan CRISILIBX Financial Services 36 Months Debt Index 2.09 10.0107 10.2200
Kotak CRISILIBX Financial Services 36 Months Debt Index 2.18 10.0094 10.2278
Bajaj Finserv Nifty Next 50 Index 2.30 10.4255 10.6653
Aditya Birla Sun Life CrisilIBX Financial Services 912 Months Debt Index 2.31 10.0084 10.2392
Kotak Nifty Top 10 Equal Weight Index 2.45 9.9120 10.1550
Kotak CRISIL IBX AAA Bond Financial Services Index Dec 2026 3.28 10.0112 10.3397

Other: FoF Overseas

Fund Change (%) NAV (52w low) Latest NAV
Bandhan US TREASURY BOND 01 YEAR 7.90 10.7377 11.5861
DSP US Treasury 8.63 10.0760 10.9459
Aditya Birla Sun Life US Treasury 13 Year Bond ETFs 8.73 10.3038 11.2037
Axis US Treasury Dynamic Bond ETF 8.93 9.8275 10.7048
Aditya Birla Sun Life US Treasury 310 Year Bond ETFs 9.12 10.4399 11.3920

Equity: Large Cap

Fund Change (%) NAV (52w low) Latest NAV
Samco Large Cap 1.34 9.6900 9.8200

Equity: Multi Cap

Fund Change (%) NAV (52w low) Latest NAV
UTI Multi Cap 1.75 9.9634 10.1380

Note Arbitrage funds will be on this list since by design they don’t give a huge amount of returns and therefore will be fairly close to their 52-week low levels.

What should investors do with this data?

Investors must be extremely cautious that this exercise does not turn into catching a falling knife. Just because a fund has fallen does not make it “cheap” to invest.

Objection: I don't have experience with market cycles; should I still look at this list?
Response: If you're unsure about market trends, it's best to stick with regular SIPs rather than making lump-sum investments based on NAV movement.

There are three key takeaways from this data:

  1. Review existing funds: Investors should check if their current funds are on the list and evaluate their next steps, including consulting their advisor.
  2. Rebalance portfolios: Most investors should use this opportunity to rebalance from debt to equity if their portfolio’s asset allocation has drifted by 5%. Having a worked out financial plan is important to execute this step correctly
  3. Understand market trends: If you’re trying to determine whether we’re in a bear market, here’s a guide to help you assess the situation.

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This post titled Mutual Funds Near 52-Week Lows: Is Now the Best Time to Buy? first appeared on 03 Feb 2025 at https://arthgyaan.com


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