This article lists funds that are currently close to their lowest NAVs in the past year.
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.
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.
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.
Did you know that we have a private Facebook group which you can join for free and ask your own questions? Please click the button below to join.
Start Building Wealth with Expertly Curated Mutual Fund Packages
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 23-Dec-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
Abakkus Liquid
0.08
100.0706
100.1523
Navi Liquid
0.28
29.3106
29.3927
Capitalmind Liquid
0.31
1001.9576
1005.0427
THE WEALTH COMPANY LIQUID
1.04
1001.0502
1011.4742
JioBlackRock Liquid
2.65
1000.7456
1027.2778
Unifi Liquid
3.07
1000.7380
1031.4453
Quantum Liquid
6.19
34.0536
36.1613
Motilal Oswal Liquid
6.23
13.4694
14.3080
Shriram Liquid
6.26
1007.9917
1071.1279
Parag Parikh Liquid
6.36
1409.0686
1498.6969
Debt: Medium To Long Duration
Fund
Change (%)
NAV (52w low)
Latest NAV
Bandhan Medium to Long Duration
4.87
68.1667
71.4876
CANARA ROBECO INCOME
5.57
59.5023
62.8175
Aditya Birla Sun Life Income
5.63
129.4630
136.7528
Nippon India Medium to Long Duration
5.87
95.7858
101.4065
UTI Medium to Long Duration
6.02
76.2826
80.8761
HDFC Income
6.03
61.3938
65.0977
Kotak Bond
6.38
82.2572
87.5040
HSBC Medium to Long Duration
6.42
44.7652
47.6400
SBI Medium to Long Duration
6.58
72.7246
77.5103
LIC MF Medium to Long Duration
7.06
74.0427
79.2693
Debt: Dynamic Bond
Fund
Change (%)
NAV (52w low)
Latest NAV
Union Dynamic Bond
4.41
23.5434
24.5814
BANDHAN Dynamic Bond
4.84
36.1694
37.9214
DSP Strategic Bond
4.99
3436.6121
3608.0507
CANARA ROBECO DYNAMIC BOND
5.05
30.9413
32.5043
ITI Dynamic Bond
5.11
12.5522
13.1934
Groww Dynamic Bond
5.14
1462.9770
1538.2418
HDFC Dynamic Debt
5.47
94.5925
99.7646
Baroda BNP Paribas Dynamic Bond
5.50
48.5736
51.2460
HSBC Dynamic Bond
6.35
30.5308
32.4697
PGIM India Dynamic Bond
6.41
2847.3046
3029.8871
Debt: Low Duration
Fund
Change (%)
NAV (52w low)
Latest NAV
Union Low Duration
2.38
10.0125
10.2512
Edelweiss Low Duration
5.59
1000.7779
1056.6732
Franklin India Low Duration
6.55
10.0000
10.6549
BANDHAN Low Duration
7.40
37.8878
40.6919
DSP Low Duration
7.42
19.6315
21.0878
Invesco India Low Duration
7.46
3777.9903
4059.8845
Tata Treasury Advantage
7.48
3874.7656
4164.4231
CANARA ROBECO SAVINGS
7.49
41.5120
44.6229
SBI LOW DURATION
7.50
3481.6063
3742.8626
LIC MF Low Duration
7.58
41.0761
44.1898
Debt: Gilt
Fund
Change (%)
NAV (52w low)
Latest NAV
Groww Gilt
1.86
9.7108
9.8910
Bajaj Finserv Gilt
3.52
1000.1294
1035.3593
Union Gilt
3.60
11.8677
12.2946
Kotak GiltInvestment Provident
3.62
107.1056
110.9862
LIC MF Gilt
3.70
62.8969
65.2221
Aditya Birla Sun Life Government Securities
3.82
83.4360
86.6257
CANARA ROBECO GILT
4.68
77.7119
81.3470
Edelweiss Government Securities
4.68
24.9847
26.1530
Nippon India Gilt
4.74
41.0187
42.9636
HSBC Gilt
4.75
72.3211
75.7574
Hybrid: Conservative
Fund
Change (%)
NAV (52w low)
Latest NAV
Sundaram Conservative Hybrid
6.50
31.0466
33.0649
LIC MF Conservative Hybrid
7.33
86.5480
92.8939
HDFC Hybrid Debt
7.53
82.5587
88.7781
Parag Parikh Conservative Hybrid
7.80
14.4342
15.5596
UTI Conservative Hybrid
8.11
70.6309
76.3564
CANARA ROBECO CONSERVATIVE HYBRID
8.17
103.9742
112.4701
HSBC Conservative Hybrid
8.37
63.3657
68.6703
Franklin India Conservative Hybrid
8.42
93.5591
101.4379
BANDHAN Conservative Hybrid
8.48
33.8200
36.6890
Axis Conservative Hybrid
8.50
33.0889
35.9029
Debt: Ultra Short Duration
Fund
Change (%)
NAV (52w low)
Latest NAV
Motilal Oswal Ultra Short Term
6.23
16.8630
17.9144
WhiteOak Capital Ultra Short Duration
6.89
1355.6735
1449.0170
ITI Ultra Short Duration
6.91
1231.3867
1316.4812
BANK OF INDIA Ultra Short Duration
6.94
3146.0106
3364.4631
PGIM India Ultra Short Duration
6.99
34.2453
36.6398
CANARA ROBECO ULTRA SHORT TERM
7.03
3883.2301
4156.3931
BANDHAN ULTRA SHORT DURATION
7.09
14.8048
15.8548
LIC MF Ultra Short Duration
7.11
1297.2984
1389.5286
SBI ULTRA SHORT DURATION
7.14
5842.5441
6259.9760
Baroda BNP Paribas Ultra Short Duration
7.14
1500.8968
1608.0085
Debt: Short Duration
Fund
Change (%)
NAV (52w low)
Latest NAV
Union Short Duration
6.70
10.0087
10.6795
CANARA ROBECO SHORT DURATION
7.55
26.4549
28.4518
BANK OF INDIA Short Term Income
7.55
27.7987
29.8983
Tata Short Term Bond
7.57
50.5244
54.3499
UTI Short Duration
7.78
32.1912
34.6957
DSP Short Term
7.85
48.2457
52.0337
Bandhan Short Duration
7.88
58.2478
62.8371
Sundaram Short Duration
7.90
45.6884
49.2963
JM Short Duration
7.90
11.7263
12.6529
Kotak Bond Short Term
8.03
54.6537
59.0438
Debt: Money Market
Fund
Change (%)
NAV (52w low)
Latest NAV
Groww Money Market
0.40
10.0050
10.0450
JioBlackRock Money Market
2.63
1000.8839
1027.1826
Bank of India Money Market
6.53
10.0047
10.6582
LIC MF Money Market
6.99
1159.7126
1240.8154
Union Money Market
7.21
1216.1388
1303.8784
TRUSTMF MONEY MARKET
7.21
1177.0704
1261.9218
DSP Savings
7.22
52.1299
55.8917
PGIM India Money Market
7.32
1312.1152
1408.1789
Invesco India Money Market
7.39
3023.8632
3247.3521
HSBC Money Market
7.44
26.5582
28.5346
Debt: Gilt Fund With 10 Year Constant Duration
Fund
Change (%)
NAV (52w low)
Latest NAV
DSP 10Y GSec
6.57
21.2110
22.6047
SBI CONSTANT MATURITY 10 YEAR GILT
7.07
62.8496
67.2960
UTI Gilt
7.12
12.1192
12.9823
Bandhan Gilt
7.69
44.0147
47.3984
ICICI Prudential Constant Maturity Gilt
7.70
23.8720
25.7111
Debt: Medium Duration
Fund
Change (%)
NAV (52w low)
Latest NAV
Sundaram Medium Duration
6.45
73.8234
78.5887
UTI Medium Duration
7.11
18.6990
20.0288
Bandhan Medium Duration
7.28
47.4637
50.9167
Invesco India Medium Duration
7.41
1219.5613
1309.9093
SBI MEDIUM DURATION
7.87
52.7248
56.8768
DSP Bond
8.07
82.4702
89.1246
HDFC Medium Term Debt
8.16
58.1909
62.9402
HSBC Medium Duration
8.42
21.1622
22.9444
Axis Strategic Bond
8.75
29.2366
31.7948
ICICI Prudential Medium Term Bond
9.51
46.7031
51.1445
Other: FoF Domestic
Fund
Change (%)
NAV (52w low)
Latest NAV
Mahindra Manulife Income Plus Arbitrage Active FOF
0.10
10.0014
10.0119
Axis Income Plus Arbitrage Passive FOF
0.40
10.0121
10.0522
Groww BSE Power ETF FOF
1.09
9.6873
9.7925
Union Income Plus Arbitrage Active FOF
1.99
9.9688
10.1668
Invesco India Income Plus Arbitrage Active
2.05
1000.9427
1021.4439
Edelweiss Income Plus Arbitrage Active
2.12
10.0074
10.2196
HDFC Diversified Equity All Cap Active FOF
2.46
10.0106
10.2573
Mirae Asset Income plus Arbitrage Active FOF
2.58
10.0160
10.2740
Union Diversified Equity All Cap Active FOF
2.65
9.6625
9.9187
Nippon India Income Plus Arbitrage Active
2.70
10.0120
10.2821
Hybrid: Arbitrage
Fund
Change (%)
NAV (52w low)
Latest NAV
Old Bridge Arbitrage
0.56
10.0029
10.0587
THE WEALTH COMPANY ARBITRAGE
1.03
10.0100
10.1128
TRUSTMF ARBITRAGE
1.88
10.0000
10.1881
quant Arbitrage
4.95
10.0075
10.5027
Samco Arbitrage
5.27
10.0500
10.5800
Mahindra Manulife Arbitrage
6.08
12.4394
13.1951
NJ Arbitrage
6.24
11.8238
12.5617
BANK OF INDIA Arbitrage
6.36
13.9055
14.7892
JM Arbitrage
6.46
33.5797
35.7483
Union Arbitrage
6.53
14.0127
14.9281
Hybrid: Equity Savings
Fund
Change (%)
NAV (52w low)
Latest NAV
quant Equity Savings
1.58
10.0090
10.1667
BAJAJ FINSERV EQUITY SAVINGS
1.67
10.0160
10.1830
BANDHAN Equity Savings
7.15
33.1450
35.5140
PGIM India Equity Savings
7.29
53.2247
57.1036
Franklin India Equity Savings
7.45
17.1038
18.3772
DSP Equity Savings
7.82
23.1720
24.9840
Invesco India Equity Savings
8.14
17.4427
18.8627
Tata Equity Savings
8.26
58.8932
63.7598
Union Equity Savings
8.65
16.4200
17.8400
Nippon India Equity Savings
8.77
16.6061
18.0627
Debt: Floater
Fund
Change (%)
NAV (52w low)
Latest NAV
SBI Floating Rate Debt
7.02
12.8491
13.7517
UTI Floater
7.48
1498.9694
1611.0824
DSP Floater
7.71
12.7514
13.7344
Aditya Birla Sun Life Floating Rate
7.85
342.0614
368.9092
Tata Floating Rate
7.97
12.4020
13.3908
HDFC Floating Rate Debt
8.03
48.6679
52.5768
Axis Floater
8.03
1252.1253
1352.6752
BANDHAN FLOATER
8.10
12.5400
13.5553
Nippon India Floater
8.23
45.3102
49.0380
ICICI Prudential Floating Interest
8.35
442.9793
479.9877
Solution: Retirement
Fund
Change (%)
NAV (52w low)
Latest NAV
Aditya Birla Sun Life Retirement
5.94
13.7333
14.5488
Nippon India Retirement
6.14
21.8188
23.1585
ICICI Prudential Retirement
6.59
15.6246
16.6549
SBI Retirement Benefit
6.82
13.7904
14.7313
HDFC Retirement Savings
8.33
22.9229
24.8324
Tata Retirement Savings
8.97
34.4689
37.5609
SBI Retirement Benefit
8.99
14.8177
16.1500
Aditya Birla Sun Life Retirement
9.03
14.8827
16.2264
Franklin India Retirement
9.35
222.2409
243.0150
Debt: Corporate Bond
Fund
Change (%)
NAV (52w low)
Latest NAV
CANARA ROBECO CORPORATE BOND
6.77
22.3018
23.8117
TRUSTMF CORPORATE BOND
7.05
1150.7529
1231.8465
Aditya Birla Sun Life Corporate Bond
7.39
109.6063
117.7025
HDFC Corporate Bond
7.45
31.7444
34.1109
Tata Corporate Bond
7.59
12.0442
12.9584
BANDHAN Corporate Bond
7.65
18.8677
20.3120
Mirae Asset Corporate Bond
7.66
12.4019
13.3518
Sundaram Corporate Bond
7.79
39.5795
42.6610
Union Corporate Bond
7.83
14.8741
16.0386
Invesco India Corporate Bond
7.94
3242.6307
3500.1561
Debt: Credit Risk
Fund
Change (%)
NAV (52w low)
Latest NAV
BANDHAN Credit Risk
7.22
17.0349
18.2640
UTI Credit Risk
7.94
18.4463
19.9105
HDFC Credit Risk Debt
8.40
24.7889
26.8721
SBI CREDIT RISK
8.52
46.8990
50.8970
Baroda BNP Paribas Credit Risk
8.84
23.2342
25.2880
Axis Credit Risk
9.38
22.7681
24.9047
Nippon India Credit Risk
9.64
36.4828
39.9980
Kotak Credit Risk
9.93
31.3812
34.4989
Debt: Overnight
Fund
Change (%)
NAV (52w low)
Latest NAV
360 ONE Overnight
2.41
1000.6319
1024.7002
JioBlackRock Overnight
2.47
1000.7415
1025.4787
Zerodha Overnight
3.78
10.0213
10.3997
Samco Overnight
5.59
1149.9998
1214.2435
ITI Overnight
5.62
1273.7418
1345.3763
Helios Overnight
5.68
1078.5527
1139.8390
quant Overnight
5.71
11.4927
12.1485
JM Overnight
5.72
1274.0165
1346.8577
Shriram Overnight
5.72
11.6019
12.2651
Groww Overnight
5.74
1294.5177
1368.8258
Debt: Banking And PSU
Fund
Change (%)
NAV (52w low)
Latest NAV
Canara Robeco Banking and PSU Debt
6.90
11.6680
12.4735
DSP Banking PSU Debt
6.98
23.8322
25.4962
Mirae Asset Banking and PSU
7.37
12.6418
13.5733
Bandhan Banking and PSU
7.40
24.1939
25.9839
ITI Banking PSU Debt
7.43
12.7724
13.7217
Invesco India Banking and PSU
7.56
2313.8997
2488.7406
Aditya Birla Sun Life Banking PSU Debt
7.59
363.0202
390.5791
Nippon India Banking and PSU
7.65
20.5223
22.0913
Edelweiss Banking and PSU Debt
7.65
24.3203
26.1806
Sundaram Banking PSU
7.70
41.6480
44.8548
Solution: Child
Fund
Change (%)
NAV (52w low)
Latest NAV
SBI Childrens
7.44
112.5346
120.9124
Equity: Sectoral or Thematic
Fund
Change (%)
NAV (52w low)
Latest NAV
LIC MF Consumption
0.51
9.9032
9.9536
Kotak Rural Opportunities
0.77
10.0090
10.0860
Bajaj Finserv Banking and Financial Services
0.84
9.9020
9.9850
Bandhan Healthcare
0.88
9.7320
9.8180
Mirae Asset Infrastructure
1.00
9.8520
9.9510
Baroda BNP Paribas Health and Wellness
1.02
9.4019
9.4978
Samco Active Momentum
1.06
13.1900
13.3300
THE WEALTH COMPANY ETHICAL
1.33
9.7648
9.8947
Franklin India MultiFactor
1.34
9.8376
9.9691
ICICI Prudential Conglomerate
1.64
9.7800
9.9400
Debt: Long Duration
Fund
Change (%)
NAV (52w low)
Latest NAV
UTI Long Duration
3.03
11.7227
12.0780
Kotak Long Duration
3.15
10.6155
10.9504
Axis Long Duration
3.46
1194.3303
1235.6539
HDFC Long Duration Debt
3.74
11.8537
12.2972
Mirae Asset Long Duration
3.79
9.9452
10.3222
Bandhan Long Duration
4.03
10.6491
11.0785
SBI Long Duration
4.04
12.0041
12.4894
Nippon India Nivesh Lakshya Long Duration
5.03
17.4598
18.3374
Aditya Birla Sun Life Long Duration
5.54
12.3966
13.0829
ICICI Prudential Long Term Bond
5.77
93.6514
99.0511
Other: Index Funds
Fund
Change (%)
NAV (52w low)
Latest NAV
HDFC BSE India Sector Leaders India
1.22
9.7528
9.8714
ANGEL ONE NIFTY TOTAL MARKET MOMENTUM QUALITY 50 INDEX
1.26
9.5741
9.6951
Kotak CRISILIBX Financial Services 9 to 12 Months Debt Index
1.28
10.0112
10.1396
DSP Nifty Smallcap 250 Index
1.33
9.9509
10.0832
Axis Nifty500 Quality 50 Index
1.36
9.6069
9.7377
DSP Nifty Midcap 150 Index
1.36
9.9757
10.1110
Axis CRISILIBX Financial Services 36 Months Debt Index
1.40
10.0078
10.1479
Tata Nifty Next 50 Index
1.61
9.8810
10.0400
Zerodha Nifty 50 Index
1.74
10.1401
10.3163
JioBlackRock Nifty Smallcap 250 Index
1.77
9.5399
9.7088
Hybrid: Multi Asset Allocation
Fund
Change (%)
NAV (52w low)
Latest NAV
The Wealth Company Multi Asset Allocation
0.18
10.0336
10.0514
PGIM India Multi Asset Allocation
1.81
9.9400
10.1200
Groww Multi Asset Allocation
3.01
10.0149
10.3159
Edelweiss Multi Asset Allocation
7.34
11.2183
12.0416
Franklin India Multi Asset Allocation
8.62
9.9271
10.7828
Canara Robeco Multi Asset Allocation
9.30
10.0000
10.9300
Hybrid: Balanced
Fund
Change (%)
NAV (52w low)
Latest NAV
360 ONE Balanced Hybrid
9.77
12.0175
13.1917
Hybrid: Dynamic Asset Allocation Or Balanced Advantage
Fund
Change (%)
NAV (52w low)
Latest NAV
Samco Dynamic Asset Allocation
4.73
10.1500
10.6300
Unifi Dynamic Asset Allocation
6.23
10.0047
10.6284
Parag Parikh Dynamic Asset Allocation
6.34
10.8094
11.4947
Equity: Multi Cap
Fund
Change (%)
NAV (52w low)
Latest NAV
Samco Multi Cap
2.84
8.7900
9.0400
TRUSTMF MULTI CAP
5.44
9.9200
10.4600
UTI Multi Cap
7.08
9.9634
10.6692
Equity: Large Cap
Fund
Change (%)
NAV (52w low)
Latest NAV
Samco Large Cap
0.21
9.4100
9.4300
Equity: Large Mid Cap
Fund
Change (%)
NAV (52w low)
Latest NAV
Samco Large Mid Cap
0.44
9.1300
9.1700
JM Large Mid Cap
6.18
9.8852
10.4959
Equity: Flexi Cap
Fund
Change (%)
NAV (52w low)
Latest NAV
JioBlackRock Flexi Cap
1.29
10.0400
10.1700
THE WEALTH COMPANY FLEXI CAP
2.45
9.9400
10.1837
Unifi Flexi Cap
4.65
9.9003
10.3606
CAPITALMIND FLEXI CAP
5.03
9.6311
10.1160
Equity: Small Cap
Fund
Change (%)
NAV (52w low)
Latest NAV
Helios Small Cap
1.45
9.6600
9.8000
BAJAJ FINSERV SMALL CAP
1.96
9.3260
9.5090
Equity: Mid Cap
Fund
Change (%)
NAV (52w low)
Latest NAV
Bank of India Mid Cap
1.36
9.5600
9.6900
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:
Review existing funds: Investors should check if their current funds are on the list and evaluate their next steps, including consulting their advisor.
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
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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