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: 06 Jul 2025
Author: Sayan Sircar
Tags: Tags Screener ;  Mutual Funds
19 mins read
📢Join 3,900+ readers on WhatsApp and get new post notifications!

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.


👉 Join our free WhatsApp community for the latest updates.

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.

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 04-Jul-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
Unifi Liquid 0.39 1000.7380 1004.6380
Shriram Liquid 4.20 1002.1019 1044.2254
Motilal Oswal Liquid 6.89 13.0527 13.9515
Quantum Liquid 6.94 32.9859 35.2758
Parag Parikh Liquid 7.00 1365.3174 1460.9010
360 ONE LIQUID 7.15 1889.9136 2025.0020
ITI Liquid 7.15 1281.4190 1373.0563
WhiteOak Capital Liquid 7.26 1318.8987 1414.5860
SBI Liquid 7.28 3848.3722 4128.5877
JM Liquid 7.28 67.2064 72.0958

Debt: Medium To Long Duration

Fund Change (%) NAV (52w low) Latest NAV
BANK OF INDIA Conservative Hybrid 7.28 34.3474 36.8488
BANDHAN Bond 7.39 65.9044 70.7744
Franklin India Medium to Long Duration 7.52 9.9889 10.7403
CANARA ROBECO INCOME 8.43 57.3482 62.1852
Aditya Birla Sun Life Income 8.99 124.4718 135.6598
Nippon India Medium to Long Duration 9.05 26.3110 28.6932
Nippon India Medium to Long Duration 9.05 92.0744 100.4108
UTI Medium to Long Duration 9.47 73.2974 80.2353
SBI Magnum Income 9.49 69.8993 76.5346
Kotak Bond 9.49 79.0202 86.5214

Debt: Dynamic Bond

Fund Change (%) NAV (52w low) Latest NAV
BANDHAN Dynamic Bond 7.23 35.0937 37.6309
CANARA ROBECO DYNAMIC BOND 8.07 30.0009 32.4215
Groww Dynamic Bond 8.29 1412.1237 1529.1258
Union Dynamic Bond 8.53 22.7408 24.6799
DSP Strategic Bond 8.54 3310.1229 3592.9048
HDFC Dynamic Debt 9.08 90.8792 99.1334
SBI Dynamic Bond 9.18 35.8331 39.1228
Mirae Asset Dynamic Bond 9.20 16.2470 17.7418
Baroda BNP Paribas Dynamic Bond 9.33 46.7133 51.0711
Kotak Dynamic Bond 9.43 37.4499 40.9817

Debt: Low Duration

Fund Change (%) NAV (52w low) Latest NAV
Edelweiss Low Duration 2.83 1000.7779 1029.0826
Franklin India Low Duration 3.46 10.0000 10.3461
BANDHAN Low Duration 8.35 36.6065 39.6618
CANARA ROBECO SAVINGS 8.42 40.1040 43.4801
DSP Low Duration 8.42 18.9573 20.5541
Invesco India Low Duration 8.43 3647.4695 3954.9686
Tata Treasury Advantage 8.47 3740.5130 4057.3878
JM Low Duration 8.52 35.2050 38.2031
SBI MAGNUM LOW DURATION 8.53 3360.3701 3647.1092
LIC MF Low Duration 8.53 39.6340 43.0141

Debt: Gilt

Fund Change (%) NAV (52w low) Latest NAV
Groww Gilt 0.56 9.8411 9.8962
Bajaj Finserv Gilt 4.19 1000.1294 1041.9862
BANDHAN Government Securities 7.48 35.3921 38.0382
LIC MF Gilt 7.97 60.7839 65.6293
Union Gilt 8.02 11.4665 12.3866
Kotak GiltInvestment Provident 8.03 103.3799 111.6827
Aditya Birla Sun Life Government Securities 8.04 80.5648 87.0462
CANARA ROBECO GILT 8.38 75.0874 81.3783
Invesco India Gilt 8.46 2895.7238 3140.7234
HSBC Gilt 8.54 69.8685 75.8361

Hybrid: Conservative

Fund Change (%) NAV (52w low) Latest NAV
BANDHAN Conservative Hybrid 7.15 33.5559 35.9564
Sundaram Conservative Hybrid 7.27 30.5931 32.8167
HDFC Hybrid Debt 7.68 81.5190 87.7796
SBI Conservative Hybrid 7.84 73.8995 79.6921
LIC MF Conservative Hybrid 8.06 84.6340 91.4513
HSBC Conservative Hybrid 8.11 63.3657 68.5023
BARODA BNP PARIBAS Conservative Hybrid 8.36 50.4898 54.7120
Kotak Debt Hybrid 8.40 62.4983 67.7507
Axis Conservative Hybrid 8.79 32.4040 35.2518
CANARA ROBECO CONSERVATIVE HYBRID 9.03 102.2133 111.4388

Debt: Ultra Short Duration

Fund Change (%) NAV (52w low) Latest NAV
Motilal Oswal Ultra Short Term 6.67 16.3595 17.4514
Franklin India Ultra Short Duration 6.93 10.0000 10.6927
BANK OF INDIA Ultra Short Duration 7.71 3044.4206 3279.1634
ITI Ultra Short Duration 7.71 1190.4048 1282.1680
WhiteOak Capital Ultra Short Duration 7.73 1311.3283 1412.7002
CANARA ROBECO ULTRA SHORT TERM 7.84 3755.6005 4050.1085
PGIM India Ultra Short Duration 7.85 33.1022 35.7018
BANDHAN ULTRA SHORT TERM 7.89 14.3117 15.4404
SBI MAGNUM ULTRA SHORT DURATION 7.93 5646.0757 6093.5684
LIC MF Ultra Short Duration 7.95 1253.5932 1353.2197

Debt: Short Duration

Fund Change (%) NAV (52w low) Latest NAV
Union Short Duration 4.52 10.0087 10.4607
CANARA ROBECO SHORT DURATION 9.12 25.5059 27.8326
Tata Short Term Bond 9.57 48.6063 53.2583
JM Short Duration 9.63 11.2908 12.3779
UTI Short Duration 9.64 30.9592 33.9424
TRUSTMF Short Duration 9.75 1168.8134 1282.7679
ICICI Prudential Short Term 9.84 60.0503 65.9580
HDFC Short Term Debt 9.86 30.2560 33.2401
Invesco India Short Duration 9.88 3603.6968 3959.6262
DSP Short Term 9.90 46.3376 50.9241

Debt: Money Market

Fund Change (%) NAV (52w low) Latest NAV
Bank of India Money Market 3.72 10.0047 10.3768
LIC MF Money Market 7.14 1127.2811 1207.7429
DSP Savings 7.99 50.3968 54.4242
Union Money Market 8.02 1175.6308 1269.9529
TRUSTMF MONEY MARKET 8.13 1137.1959 1229.6500
PGIM India Money Market 8.19 1268.2674 1372.1576
Invesco India Money Market 8.23 2922.7568 3163.3617
Baroda BNP Paribas Money Market 8.25 1296.9328 1403.9345
Sundaram Money Market 8.30 13.9930 15.1539
HSBC Money Market 8.30 25.6594 27.7893

Other: FoF Domestic

Fund Change (%) NAV (52w low) Latest NAV
Nippon India Income Plus Arbitrage Active 0.33 10.0120 10.0446
Union Income Plus Arbitrage Active FOF 0.39 9.9688 10.0076
Tata Income Plus Arbitrage Active FOF 0.42 10.0108 10.0526
Baroda BNP Paribas Income Plus Arbitrage Active FOF 0.60 10.0040 10.0641
Baroda BNP Paribas Multi Asset Active FOF 0.86 10.0111 10.0975
SBI Income Plus Arbitrage Active FOF 1.15 9.9882 10.1034
UTI Income Plus Arbitrage Active 2.14 10.0090 10.2235
HDFC Income Plus Arbitrage Active FOF 5.14 40.8907 42.9929
BHARAT Bond FOF April 2025 Pan 6.23 12.1369 12.8931
HSBC Income Plus Arbitrage Active FOF 7.60 21.1675 22.7769

Hybrid: Arbitrage

Fund Change (%) NAV (52w low) Latest NAV
quant Arbitrage 1.71 10.0075 10.1782
Samco Arbitrage 3.40 10.0000 10.3400
Motilal Oswal Arbitrage 4.04 10.0112 10.4157
Franklin India Arbitrage 4.61 10.0000 10.4615
WhiteOak Capital Arbitrage 6.18 10.0130 10.6320
Mahindra Manulife Arbitrage 6.48 12.0721 12.8541
NJ Arbitrage 6.89 11.4467 12.2356
JM Arbitrage 7.20 32.4598 34.7962
BANK OF INDIA Arbitrage 7.23 13.4323 14.4036
Bajaj Finserv Arbitrage 7.30 10.6100 11.3850

Hybrid: Equity Savings

Fund Change (%) NAV (52w low) Latest NAV
Nippon India Equity Savings 6.22 16.5985 17.6316
Nippon India Equity Savings 6.22 16.5985 17.6316
Union Equity Savings 6.76 16.4200 17.5300
WhiteOak Capital Equity Savings 6.78 9.9930 10.6710
BANDHAN Equity Savings 7.17 32.3010 34.6180
Axis Equity Savings 7.23 23.3800 25.0700
PGIM India Equity Savings 7.27 52.0744 55.8584
Tata Equity Savings 7.42 57.9705 62.2699
Franklin India Equity Savings 7.56 16.6469 17.9053
HDFC Equity Savings 7.57 68.7630 73.9690

Solution: Retirement Fund

Fund Change (%) NAV (52w low) Latest NAV
Nippon India Retirement 7.46 21.4821 23.0857
Nippon India Retirement 7.46 21.4821 23.0857
SBI Retirement Benefit 7.75 13.6455 14.7025
HDFC Retirement Savings 7.89 22.6729 24.4627
Aditya Birla Sun Life Retirement 7.90 13.2696 14.3173
Tata Retirement Savings 8.43 34.4689 37.3731
Aditya Birla Sun Life Retirement 8.58 14.6223 15.8767
SBI Retirement Benefit 8.64 14.8177 16.0983
Franklin India PENSION PLAN 8.66 222.2409 241.4914
Axis Retirement 8.70 16.1444 17.5484

Debt: Floater

Fund Change (%) NAV (52w low) Latest NAV
UTI Floater 8.42 1450.0846 1572.2461
Aditya Birla Sun Life Floating Rate 8.88 329.7154 359.0101
SBI Floating Rate Debt 8.93 12.3811 13.4868
ICICI Prudential Floating Interest 9.31 425.5375 465.1364
HDFC Floating Rate Debt 9.42 46.7977 51.2047
Tata Floating Rate 9.48 11.9237 13.0545
DSP Floater 9.89 12.2112 13.4186
Nippon India Floater 9.92 43.5176 47.8345
KOTAK FLOATING RATE 9.96 1414.2698 1555.0709

Debt: Corporate Bond

Fund Change (%) NAV (52w low) Latest NAV
CANARA ROBECO CORPORATE BOND 8.82 21.4701 23.3639
DSP Corporate Bond 9.34 14.9297 16.3239
TRUSTMF CORPORATE BOND 9.41 1105.9975 1210.0289
ICICI Prudential Corporate Bond 9.55 28.6767 31.4154
Aditya Birla Sun Life Corporate Bond 9.76 105.1794 115.4491
Tata Corporate Bond 9.80 11.5618 12.6943
HDFC Corporate Bond 9.82 30.4599 33.4515
Mirae Asset Corporate Bond 9.82 11.9142 13.0843
Sundaram Corporate Bond 9.87 38.0361 41.7907
BANDHAN Corporate Bond 9.94 18.1304 19.9321

Debt: Medium Duration

Fund Change (%) NAV (52w low) Latest NAV
Sundaram Medium Duration 8.65 71.2961 77.4667
UTI Medium Duration 9.60 17.9491 19.6718
Nippon India Medium Duration 9.75 15.2986 16.7900
SBI MAGNUM MEDIUM DURATION 9.83 50.5885 55.5609
Invesco India Medium Duration 9.87 1171.9201 1287.6316
HDFC Medium Term Debt 9.95 55.8247 61.3809

Debt: Banking And PSU

Fund Change (%) NAV (52w low) Latest NAV
Canara Robeco Banking and PSU Debt 8.60 11.2448 12.2118
ITI Banking PSU Debt 9.05 12.3108 13.4250
BANDHAN Banking PSU Debt 9.29 23.3037 25.4691
Franklin India Banking PSU Debt 9.31 21.5360 23.5414
HSBC Banking and PSU Debt 9.33 23.5025 25.6961
ICICI Prudential Banking and PSU Debt 9.34 31.3493 34.2772
UTI Banking PSU 9.41 20.5018 22.4312
DSP Banking PSU Debt 9.42 22.8854 25.0411
Axis Banking PSU Debt 9.51 2495.3008 2732.6721
TRUSTMF BANKING PSU 9.53 1191.4347 1304.9444

Debt: Credit Risk

Fund Change (%) NAV (52w low) Latest NAV
BANDHAN Credit Risk 9.07 16.3899 17.8759
Kotak Credit Risk 9.30 30.4634 33.2966
SBI CREDIT RISK 9.67 45.0980 49.4588
UTI Credit Risk 9.78 17.6528 19.3794
HDFC Credit Risk Debt 9.82 23.7716 26.1056

Debt: Overnight

Fund Change (%) NAV (52w low) Latest NAV
Zerodha Overnight 1.32 10.0213 10.1537
Samco Overnight 6.23 1116.5130 1186.0986
ITI Overnight 6.25 1236.6131 1313.9341
Shriram Overnight 6.33 11.2587 11.9710
Helios Overnight 6.35 1046.5296 1112.9831
CANARA ROBECO OVERNIGHT 6.37 1258.3715 1338.5121
JM Overnight 6.38 1236.1575 1315.0150
JM Overnight 6.38 1236.1742 1315.0347
NJ Overnight 6.40 1128.0059 1200.1719
Groww Overnight 6.41 1255.8252 1336.2725

Hybrid: Dynamic Asset Allocation Or Balanced Advantage

Fund Change (%) NAV (52w low) Latest NAV
Unifi Dynamic Asset Allocation 2.79 10.0047 10.2841
Samco Dynamic Asset Allocation 5.91 10.1500 10.7500
Parag Parikh Dynamic Asset Allocation 8.34 10.4824 11.3565
DSP Dynamic Asset Allocation 9.00 28.9480 31.5520
HSBC Balanced Advantage 9.26 45.9868 50.2437
ITI Balanced Advantage 9.54 14.8273 16.2412
Shriram Balanced Advantage 9.68 17.4112 19.0972
Tata Balanced Advantage 9.84 20.7915 22.8373
Axis Balanced Advantage 9.86 21.4100 23.5200

Debt: Long Duration

Fund Change (%) NAV (52w low) Latest NAV
Mirae Asset Long Duration 4.33 9.9452 10.3758
Franklin India Long Duration 4.37 9.9770 10.4133
UTI Long Duration 6.92 11.3622 12.1479
Axis Long Duration 7.18 1157.3977 1240.4583
SBI Long Duration 7.33 11.6126 12.4640
HDFC Long Duration Debt 7.58 11.4736 12.3430
Bandhan Long Duration 7.62 10.3095 11.0947
Kotak Long Duration 7.84 10.2866 11.0935
Nippon India Nivesh Lakshya Long Duration 8.63 16.8354 18.2881
Aditya Birla Sun Life Long Duration 9.89 11.8990 13.0756

Hybrid: Multi Asset Allocation

Fund Change (%) NAV (52w low) Latest NAV
Canara Robeco Multi Asset Allocation 1.70 10.0000 10.1700
Edelweiss Multi Asset Allocation 9.09 10.7891 11.7694
Motilal Oswal Multi Asset 9.24 11.8056 12.8969

Other: Index Funds

Fund Change (%) NAV (52w low) Latest NAV
Mirae Asset CRISILIBX Financial Services 912 Months Debt Index 0.24 10.0024 10.0265
HDFC CRISILIBX Financial Services 36 Months Debt Index 1.24 10.0026 10.1270
Tata Nifty Midcap 150 Index 1.56 10.2758 10.4365
DSP Nifty IT Index 1.91 9.8569 10.0449
ICICI Prudential CRISILIBX Financial Services 36 Months Debt Index 2.43 10.0032 10.2460
Bandhan CRISILIBX Financial Services 36 Months Debt Index 2.54 10.0107 10.2645
Kotak CRISILIBX Financial Services 36 Months Debt Index 2.61 10.0094 10.2703
Aditya Birla Sun Life CrisilIBX Financial Services 912 Months Debt Index 2.80 10.0084 10.2884
ICICI Prudential Nifty200 Quality 30 Index 2.88 9.8396 10.1231
SBI Nifty200 Quality 30 Index 2.92 9.9859 10.2777

Other: FoF Overseas

Fund Change (%) NAV (52w low) Latest NAV
Bandhan US TREASURY BOND 01 YEAR 7.04 10.7594 11.5171
Aditya Birla Sun Life US Treasury 13 Year Bond ETFs 7.77 10.3395 11.1431
DSP US Treasury 8.59 10.0855 10.9521
Aditya Birla Sun Life US Treasury 310 Year Bond ETFs 8.90 10.4665 11.3979
Axis US Treasury Dynamic Bond ETF 8.97 9.8330 10.7149

Hybrid: Balanced

Fund Change (%) NAV (52w low) Latest NAV
360 ONE Balanced Hybrid 8.96 12.0175 13.0947

Equity: Sectoral or Thematic

Fund Change (%) NAV (52w low) Latest NAV
ICICI Prudential Quality 3.20 10.0100 10.3300
Kotak Energy Opportunities 3.98 10.0140 10.4130
Motilal Oswal Services 4.79 9.7751 10.2437
Shriram Multi Sector Rotation 8.05 7.4906 8.0939
Motilal Oswal Infrastructure 9.54 10.5087 11.5110

Equity: Large Cap

Fund Change (%) NAV (52w low) Latest NAV
Samco Large Cap 4.33 9.6900 10.1100

Equity: Multi Cap

Fund Change (%) NAV (52w low) Latest NAV
UTI Multi Cap 4.57 9.9634 10.4192

Equity: Flexi Cap

Fund Change (%) NAV (52w low) Latest NAV
Unifi Flexi Cap 2.38 10.0165 10.2548

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.

Related Articles

What's next? You can join the Arthgyaan WhatsApp community

You can stay updated on our latest content and learn about our webinars. Our community is fully private so that no one, other than the admin, can see your name or number. Also, we will not spam you.

For resident Indians 🇮🇳:


For NRIs 🇺🇸🇬🇧🇪🇺🇦🇺🇦🇪🇸🇬:

To understand how this article can help you:

If you have a comment or question about this article

The following button will open a form with the link of this page populated for context:

If you liked this article, please leave us a rating

The following button will take you to Trustpilot:

Check out our two calculators: Arthgyaan step-up SIP calculator
Arthgyaan step-up SWP calculator

Latest articles:

Article: This article is a deep-dive into how, when, and why to use RFC accounts: not just as a banking product, but as a transitional asset management strategy for intelligent NRIs planning a return to India.
NRI Return to India
How Returning NRIs can Preserve Forex and Save Taxes via RFC accounts? Article: This article is a deep-dive into how, when, and why to use RFC accounts: not just as a banking product, but as a transitional asset management strategy for intelligent NRIs planning a return to India.

Published: 28 May 2025

14 MIN READ
Article: This article explains what UK-based NRIs should do with their India investments post the new non-dom tax changes.
NRI Tax
UK Non-Dom Tax Regime Ended in April 2025: What should UK NRIs do with their Indian Investments? Article: This article explains what UK-based NRIs should do with their India investments post the new non-dom tax changes.

Published: 21 May 2025

5 MIN READ

Topics you will like:

Asset Allocation (19) Basics (8) Behaviour (20) Budget (24) Budgeting (12) Calculator (36) Case Study (7) Children (22) Choosing Investments (40) FAQ (20) FIRE (19) Fixed Deposit (10) Free Planning Tool (16) Gold (29) Health Insurance (8) House Purchase (43) Index Funds (1) Insurance (20) International Investing (16) Life Stages (2) Loans (27) Market Data (10) Market Movements (28) Mutual Funds (86) NPS (17) NRI (43) News (38) Pension (11) Portfolio Construction (61) Portfolio Review (32) Reader Questions (8) Real Estate (16) Research (6) Retirement (44) Return to India (8) Review (27) Risk (8) Safe Withdrawal Rate (6) Screener (8) Senior Citizens (5) Set Goals (28) Step by step (15) Stock Investing (5) Tax (104)

Next steps:

1. Email me with any questions.

2. Use our goal-based investing template to prepare a financial plan for yourself.

Don't forget to share this article on WhatsApp or Twitter or post this to Facebook.

Discuss this post with us via Facebook or get regular bite-sized updates on Twitter.

More posts...

Disclaimer: Content on this site is for educational purpose only and is not financial advice. Nothing on this site should be construed as an offer or recommendation to buy/sell any financial product or service. Please consult a registered investment advisor before making any investments.

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


We are currently at 559 posts and growing fast. Search this site:
Copyright © 2021-2025 Arthgyaan.com. All rights reserved.
YouTube WhatsApp Facebook Group Consult