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: 07 May 2025
Author: Sayan Sircar
23 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 06-May-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 3.14 1002.1019 1033.5506
Motilal Oswal Liquid 6.94 12.9153 13.8111
Quantum Liquid 7.00 32.6331 34.9168
Parag Parikh Liquid 7.01 1350.7233 1445.4543
ITI Liquid 7.16 1267.7278 1358.4539
360 ONE LIQUID 7.18 1869.4043 2003.6830
SBI Liquid 7.29 3806.3247 4083.9664
JM Liquid 7.29 66.4738 71.3172
WhiteOak Capital Liquid 7.30 1304.4159 1399.5886
TRUSTMF Liquid 7.31 1178.6595 1264.8697

Debt: Low Duration

Fund Change (%) NAV (52w low) Latest NAV
Edelweiss Low Duration 1.46 1000.7779 1015.3561
Franklin India Low Duration 1.94 10.0000 10.1939
BANDHAN Low Duration 8.10 36.2014 39.1320
CANARA ROBECO SAVINGS 8.11 39.6592 42.8757
Invesco India Low Duration 8.16 3606.6984 3900.9047
DSP Low Duration 8.16 18.7458 20.2753
Tata Treasury Advantage 8.21 3698.6883 4002.4610
UTI Low Duration 8.25 3296.2940 3568.2661
BARODA BNP PARIBAS LOW DURATION 8.29 40.1080 43.4344
SBI MAGNUM LOW DURATION 8.30 3321.7129 3597.3383

Debt: Ultra Short Duration

Fund Change (%) NAV (52w low) Latest NAV
Franklin India Ultra Short Duration 5.51 10.0000 10.5511
Motilal Oswal Ultra Short Term 6.58 16.2000 17.2667
BANK OF INDIA Ultra Short Duration 7.49 3013.1475 3238.7986
WhiteOak Capital Ultra Short Duration 7.59 1297.0571 1395.4784
ITI Ultra Short Duration 7.59 1177.7028 1267.1322
CANARA ROBECO ULTRA SHORT TERM 7.63 3715.7961 3999.2064
PGIM India Ultra Short Duration 7.69 32.7488 35.2658
BANDHAN ULTRA SHORT TERM 7.73 14.1549 15.2492
SBI MAGNUM ULTRA SHORT DURATION 7.79 5583.6054 6018.4180
Baroda BNP Paribas Ultra Short Duration 7.81 1433.9975 1545.9701

Debt: Short Duration

Fund Change (%) NAV (52w low) Latest NAV
Union Short Duration 2.91 10.0087 10.3002
CANARA ROBECO SHORT DURATION 9.04 25.2126 27.4909
UTI Short Duration 9.34 30.6150 33.4748
TRUSTMF Short Duration 9.41 1155.4396 1264.2098
JM Short Duration 9.42 11.1564 12.2072
ICICI Prudential Short Term 9.59 59.3080 64.9981
Invesco India Short Duration 9.60 3560.4514 3902.4323
HDFC Short Term Debt 9.62 29.8817 32.7569
Tata Short Term Bond 9.62 48.0177 52.6357
HSBC Short Duration 9.63 25.3714 27.8138

Debt: Money Market

Fund Change (%) NAV (52w low) Latest NAV
Bank of India Money Market 2.35 10.0047 10.2396
LIC MF Money Market 6.72 1116.7610 1191.7952
DSP Savings 7.77 49.8475 53.7204
Union Money Market 7.83 1162.9194 1253.9896
TRUSTMF MONEY MARKET 7.87 1125.0814 1213.5849
PGIM India Money Market 7.96 1254.5202 1354.3449
Invesco India Money Market 7.97 2890.9859 3121.3926
Baroda BNP Paribas Money Market 7.97 1282.8178 1385.0635
Sundaram Money Market 8.05 13.8366 14.9500
HSBC Money Market 8.06 25.3749 27.4206

Debt: Medium To Long Duration

Fund Change (%) NAV (52w low) Latest NAV
BANK OF INDIA Conservative Hybrid 5.44 33.7712 35.6077
Franklin India Medium to Long Duration 6.86 9.9889 10.6740
BANDHAN Bond 9.73 64.7427 71.0423

Other: FoF Domestic

Fund Change (%) NAV (52w low) Latest NAV
Groww Nifty 500 Momentum 50 ETF FOF 0.40 9.7712 9.8106
UTI Income Plus Arbitrage Active 0.90 10.0090 10.0993
ICICI Prudential Nifty EV New Age Automotive ETF FOF 1.65 10.2202 10.3888
BHARAT Bond FOF April 2025 Pan 7.25 12.0213 12.8931
HDFC Income Plus Arbitrage Active FOF 7.51 39.5579 42.5270
Axis Nifty AAA Bond Plus SDL Apr 2026 5050 ETF FOF 7.60 11.2595 12.1153
Mirae Asset BSE 200 Equal Weight ETF 8.15 9.7230 10.5150
Axis Equity ETFs FOF 8.33 13.2944 14.4015
Mirae Asset BSE Select IPO ETF 8.70 9.9100 10.7720
Mirae Asset Nifty Smallcap 250 Momentum Quality 100 ETF 8.77 8.5270 9.2750

Equity: ELSS

Fund Change (%) NAV (52w low) Latest NAV
Groww ELSS Tax Saver 7.70 19.2300 20.7100
JM ELSS Tax Saver 7.78 47.3996 51.0862
Shriram ELSS Tax Saver 8.81 20.6814 22.5024
BANDHAN ELSS Tax Saver 8.84 152.4550 165.9260
Union ELSS Tax Saver 9.18 59.9200 65.4200
BAJAJ FINSERV ELSS TAX SAVER 9.47 9.8370 10.7690
ITI ELSS Tax Saver 9.50 22.4816 24.6163
Aditya Birla Sun Life ELSS Tax Saver 9.88 57.1000 62.7400

Hybrid: Arbitrage

Fund Change (%) NAV (52w low) Latest NAV
quant Arbitrage 0.64 10.0075 10.0713
Samco Arbitrage 2.60 10.0000 10.2600
Motilal Oswal Arbitrage 2.69 10.0112 10.2805
Franklin India Arbitrage 3.44 10.0000 10.3437
WhiteOak Capital Arbitrage 5.02 10.0130 10.5160
Mahindra Manulife Arbitrage 6.73 11.9358 12.7393
NJ Arbitrage 7.25 11.3087 12.1281
JM Arbitrage 7.54 32.0578 34.4737
Bajaj Finserv Arbitrage 7.54 10.4810 11.2710
Parag Parikh Arbitrage 7.54 10.3958 11.1795

Hybrid: Equity Savings

Fund Change (%) NAV (52w low) Latest NAV
WhiteOak Capital Equity Savings 3.88 9.9930 10.3810
Union Equity Savings 7.20 15.9700 17.1200
Nippon India Equity Savings 7.54 16.0660 17.2768
Nippon India Equity Savings 7.54 16.0660 17.2768
Mahindra Manulife Equity Savings 8.10 21.4472 23.1835
PGIM India Equity Savings 8.41 50.7136 54.9790
HDFC Equity Savings 8.50 66.3220 71.9610
Kotak Equity Savings 8.68 25.5477 27.7657
Franklin India Equity Savings 8.68 16.1752 17.5799
Aditya Birla Sun Life Equity Savings 8.81 21.9000 23.8300

Equity: Value

Fund Change (%) NAV (52w low) Latest NAV
LIC MF Value 7.43 21.7292 23.3442
Mahindra Manulife Value 7.49 9.9691 10.7162
Quant Value 8.18 17.6527 19.0971
BANDHAN Sterling Value 8.42 147.5250 159.9470
Baroda BNP Paribas Value 8.45 12.6520 13.7215
Aditya Birla Sun Life Pure Value 9.03 118.8609 129.5937
Tata Equity PE 9.17 337.2983 368.2391
ITI Value 9.37 15.1385 16.5564
JM Value 9.40 93.5753 102.3719
Templeton India Value 9.78 699.1915 767.5393

Equity: Dividend Yield

Fund Change (%) NAV (52w low) Latest NAV
Aditya Birla Sun Life Dividend Yield 7.30 430.3500 461.7500
SBI Dividend Yield 7.47 13.6002 14.6163
Templeton India Equity Income 8.32 136.9570 148.3545
Baroda BNP Paribas Dividend Yield 9.33 8.4065 9.1911
Sundaram Dividend Yield 9.93 129.5871 142.4610

Hybrid: Dynamic Asset Allocation Or Balanced Advantage

Fund Change (%) NAV (52w low) Latest NAV
Unifi Dynamic Asset Allocation 1.53 10.0047 10.1576
Samco Dynamic Asset Allocation 2.10 10.0000 10.2100
NJ Balanced Advantage 5.56 12.9500 13.6700
Shriram Balanced Advantage 6.17 17.4112 18.4847
Motilal Oswal Balanced Advantage 6.84 18.8177 20.1054
Canara Robeco Balanced Advantage 6.94 9.3700 10.0200
BANK OF INDIA BALANCED ADVANTAGE 7.32 24.1169 25.8826
Tata Balanced Advantage 7.50 20.4380 21.9716
Helios Balanced Advantage 7.64 10.2100 10.9900
Bajaj Finserv Balanced Advantage 8.04 10.3870 11.2220

Equity: Multi Cap

Fund Change (%) NAV (52w low) Latest NAV
Samco Multi Cap 2.05 8.7900 8.9700
Sundaram Multi Cap 5.04 79.5545 83.5659
BAJAJ FINSERV MULTI CAP 7.14 9.9150 10.6230
Union Multicap 8.64 13.7700 14.9600
Baroda BNP Paribas MULTI CAP 8.87 274.3035 298.6257
DSP Multicap 9.08 10.3030 11.2380
quant Active 9.18 588.7864 642.8205
BANDHAN MULTI CAP 9.19 15.4770 16.9000
Tata Multicap 9.34 12.4357 13.5970
Sundaram Multi Cap 9.40 358.3719 392.0519

Debt: Floater

Fund Change (%) NAV (52w low) Latest NAV
UTI Floater 8.14 1434.6219 1551.4472
Aditya Birla Sun Life Floating Rate 8.60 325.9078 353.9248
SBI Floating Rate Debt 8.85 12.2179 13.2995
ICICI Prudential Floating Interest 9.00 420.3538 458.1936
HDFC Floating Rate Debt 9.14 46.2355 50.4595
Tata Floating Rate 9.46 11.7789 12.8936
Nippon India Floating Rate 9.57 42.9999 47.1131
KOTAK FLOATING RATE 9.59 1396.5644 1530.4844

Hybrid: Conservative

Fund Change (%) NAV (52w low) Latest NAV
LIC MF Conservative Hybrid 9.49 81.6188 89.3642
BARODA BNP PARIBAS Conservative Hybrid 9.49 48.8427 53.4779
SBI Conservative Hybrid 9.60 70.6810 77.4640
Nippon India Hybrid Bond 9.62 57.0602 62.5494

Equity: Sectoral or Thematic

Fund Change (%) NAV (52w low) Latest NAV
Kotak Energy Opportunities 0.02 10.0200 10.0220
Shriram Multi Sector Rotation 4.94 7.4906 7.8603
ICICI Prudential MNC 6.77 26.5900 28.3900
SBI Innovative Opportunities 6.77 8.2054 8.7607
Quantum Ethical 6.99 8.7300 9.3400
Tata Ethical 7.24 388.7248 416.8576
UTI Innovation 7.34 9.8933 10.6197
Tata India Innovation 7.38 8.4039 9.0242
Motilal Oswal Quant 7.43 8.5949 9.2337
HDFC MNC 7.50 11.8460 12.7350

Equity: Flexi Cap

Fund Change (%) NAV (52w low) Latest NAV
LIC MF Flexi Cap 6.35 90.1490 95.8749
Navi Flexi Cap 7.49 22.3842 24.0608
Taurus Flexi Cap 7.55 207.0600 222.6900
NJ Flexi Cap 8.31 12.0400 13.0400
JM Flexicap 8.61 97.8154 106.2390
Shriram Flexi Cap 8.80 19.9654 21.7224
Samco Flexi Cap 8.87 9.2400 10.0600
SBI Flexicap 9.27 107.0911 117.0222
BANK OF INDIA Flexi Cap 9.53 30.7600 33.6900
Nippon India Flexi Cap 9.92 15.0405 16.5330

Debt: Corporate Bond

Fund Change (%) NAV (52w low) Latest NAV
DSP Corporate Bond 8.93 14.7601 16.0781
TRUSTMF CORPORATE BOND 9.01 1093.6970 1192.2592
CANARA ROBECO CORPORATE BOND 9.17 21.2128 23.1587
ICICI Prudential Corporate Bond 9.37 28.3329 30.9884
BANDHAN Corporate Bond 9.70 17.9140 19.6521
Sundaram Corporate Bond 9.73 37.5955 41.2522
HSBC Corporate Bond 9.75 70.2954 77.1506
UTI Corporate Bond 9.83 15.1512 16.6405
Union Corporate Bond 9.89 14.1147 15.5112
Mirae Asset Corporate Bond 9.90 11.7701 12.9350

Equity: Large Cap

Fund Change (%) NAV (52w low) Latest NAV
Samco Large Cap 0.10 9.8400 9.8500
JM Large Cap 8.15 152.7536 165.1990
quant Large Cap 8.53 13.3863 14.5280
ITI Large Cap 9.23 16.7366 18.2808
Tata Large Cap 9.41 505.7365 553.3076
Union Largecap 9.54 21.9100 24.0000
BARODA BNP PARIBAS LARGE CAP 9.56 222.3780 243.6421
Groww Largecap 9.61 43.9200 48.1400
HDFC Large Cap 9.96 1085.8200 1193.9390

Hybrid: Aggressive

Fund Change (%) NAV (52w low) Latest NAV
JM Aggressive Hybrid 5.76 123.1480 130.2377
Shriram Aggressive Hybrid 8.09 32.0756 34.6700
Groww Aggressive Hybrid 8.37 20.5483 22.2672
Tata Hybrid Equity 8.74 436.2155 474.3442
BANK OF INDIA MID SMALL CAP EQUITY DEBT 8.98 34.9500 38.0900
LIC MF Aggressive Hybrid 9.26 192.0395 209.8301
Navi Aggressive Hybrid 9.29 19.9541 21.8077
HSBC Aggressive Hybrid 9.33 52.5597 57.4648
Baroda BNP Paribas Aggressive Hybrid 9.86 27.7100 30.4421

Equity: Mid Cap

Fund Change (%) NAV (52w low) Latest NAV
Helios Mid Cap 6.57 9.8900 10.5400
BARODA BNP PARIBAS Mid Cap 8.34 102.0385 110.5462
LIC MF Mid Cap 9.00 27.1179 29.5594
SBI Magnum MIDCAP 9.42 227.4410 248.8590
BANDHAN MIDCAP 9.54 14.8500 16.2660
UTI Mid Cap 9.55 277.6101 304.1105
Canara Robeco Mid Cap 9.64 14.3100 15.6900
Union Midcap 9.94 41.6600 45.8000
Tata Mid Cap 9.95 408.1124 448.7318

Equity: Small Cap

Fund Change (%) NAV (52w low) Latest NAV
QUANTUM SMALL CAP 6.60 10.6000 11.3000
Tata Small Cap 7.36 37.3062 40.0518
DSP Small Cap 7.50 171.9890 184.8880
HDFC Small Cap 7.65 128.0830 137.8870
LIC MF Small Cap 7.90 28.1269 30.3480
PGIM India Small Cap 8.17 14.0800 15.2300
HSBC Small Cap 8.31 74.0448 80.1963
KotakSmall Cap 8.57 254.4000 276.1940
SBI Small Cap 8.61 166.5363 180.8742
TRUSTMF SMALL CAP 8.74 8.3500 9.0800

Solution: Retirement Fund

Fund Change (%) NAV (52w low) Latest NAV
SBI Retirement Benefit 7.54 17.4578 18.7748
Aditya Birla Sun Life Retirement 8.45 13.1195 14.2283
SBI Retirement Benefit 8.58 18.4562 20.0403
ICICI Prudential Retirement 9.14 16.6655 18.1893
SBI Retirement Benefit 9.15 14.3178 15.6278
Tata Retirement Savings 9.19 33.1307 36.1752
ICICI Prudential Retirement 9.48 23.9500 26.2200
Nippon India Retirement 9.54 27.9412 30.6056
Nippon India Retirement 9.54 27.9412 30.6056
ICICI Prudential Retirement 9.54 14.8394 16.2545

Solution: Child Fund

Fund Change (%) NAV (52w low) Latest NAV
LIC MF Childrens 5.24 31.6985 33.3580
ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA DIRECT GROWTH 9.51 18.7200 20.5000
Baroda BNP Paribas Childrens 9.69 9.0623 9.9402
Tata Young Citizens 9.82 59.4888 65.3325
UTI Childrens Equity 9.82 81.4597 89.4608

Debt: Banking And PSU

Fund Change (%) NAV (52w low) Latest NAV
Canara Robeco Banking and PSU Debt 8.89 11.1086 12.0961
HSBC Banking and PSU Debt 8.98 23.2385 25.3256
ITI Banking PSU Debt 8.99 12.1594 13.2522
UTI Banking PSU 9.00 20.2641 22.0880
Franklin India Banking PSU Debt 9.07 21.2919 23.2229
TRUSTMF BANKING PSU 9.10 1178.4841 1285.7630
BANDHAN Banking PSU Debt 9.13 23.0361 25.1389
Axis Banking PSU Debt 9.22 2468.5925 2696.2268
ICICI Prudential Banking and PSU Debt 9.30 30.9626 33.8434
Sundaram Banking PSU 9.58 39.5842 43.3765

Debt: Medium Duration

Fund Change (%) NAV (52w low) Latest NAV
Sundaram Medium Duration 8.91 70.4581 76.7344
UTI Medium Duration 9.78 17.7398 19.4756

Debt: Credit Risk

Fund Change (%) NAV (52w low) Latest NAV
Kotak Credit Risk 8.89 29.9937 32.6610
UTI Credit Risk 9.39 17.4522 19.0910
BANDHAN Credit Risk 9.45 16.1682 17.6960
HDFC Credit Risk Debt 9.59 23.4592 25.7090
SBI CREDIT RISK 9.73 44.3751 48.6928
Axis Credit Risk 9.79 21.5556 23.6658
Baroda BNP Paribas Credit Risk 9.82 21.9725 24.1312

Equity: Contra

Fund Change (%) NAV (52w low) Latest NAV
Kotak India EQ Contra 9.37 150.0940 164.1550

Debt: Overnight

Fund Change (%) NAV (52w low) Latest NAV
Zerodha Overnight 0.42 10.0213 10.0631
ITI Overnight 6.35 1224.5572 1302.3042
Samco Overnight 6.35 1105.5149 1175.7579
Shriram Overnight 6.45 11.1450 11.8637
CANARA ROBECO OVERNIGHT 6.47 1245.7906 1326.4462
Helios Overnight 6.48 1036.0619 1103.1485
JM Overnight 6.50 1223.7071 1303.2683
JM Overnight 6.50 1223.7229 1303.2879
NJ Overnight 6.50 1116.7427 1189.3640
Edelweiss Overnight 6.52 1247.7881 1329.0976

Equity: Focused

Fund Change (%) NAV (52w low) Latest NAV
Motilal Oswal Focused 25 7.41 41.1809 44.2326
Sundaram Focused 7.60 156.1631 168.0383
JM Focused 7.91 20.0834 21.6713
360 ONE Focused Equity 7.98 46.6993 50.4240
quant Focused 8.38 82.5848 89.5054
LIC MF Focused 8.93 20.0318 21.8205
UTI Focused 9.02 14.3725 15.6682
Tata Focused Equity 9.04 22.0926 24.0902
Union Focused 9.31 23.0900 25.2400
Mahindra Manulife Focused 9.99 25.3127 27.8403

Hybrid: Multi Asset Allocation

Fund Change (%) NAV (52w low) Latest NAV
Motilal Oswal Multi Asset 4.93 11.8056 12.3872
Invesco India Multi Asset Allocation 7.38 9.7600 10.4800
Bajaj Finserv Multi Asset Allocation 7.47 9.9936 10.7400
Bank of India Multi Asset Allocation 7.65 10.2761 11.0618
Shriram Multi Asset Allocation 8.28 11.3048 12.2406
quant Multi Asset 8.60 131.3398 142.6353
Kotak Multi Asset Allocation 9.00 11.7400 12.7970
LIC MF Multi Asset Allocation 9.12 9.7878 10.6808
Edelweiss Multi Asset Allocation 9.26 10.6524 11.6390
Union Multi Asset Allocation 9.48 9.4900 10.3900

Other: FoF Overseas

Fund Change (%) NAV (52w low) Latest NAV
Bandhan US TREASURY BOND 01 YEAR 6.16 10.6711 11.3281
Aditya Birla Sun Life US Treasury 13 Year Bond ETFs 7.06 10.2291 10.9517
DSP US Treasury 7.26 9.9519 10.6741
Edelweiss US Value Equity Offshore 7.58 30.9805 33.3295
Axis US Treasury Dynamic Bond ETF 7.76 9.6889 10.4409
Aditya Birla Sun Life US Treasury 310 Year Bond ETFs 8.08 10.3261 11.1602

Debt: Dynamic Bond

Fund Change (%) NAV (52w low) Latest NAV
Mirae Asset Dynamic Bond 8.98 16.0456 17.4863

Other: Index Funds

Fund Change (%) NAV (52w low) Latest NAV
ICICI Prudential CRISILIBX Financial Services 36 Months Debt Index 1.21 10.0032 10.1243
Bandhan CRISILIBX Financial Services 36 Months Debt Index 1.31 10.0107 10.1421
Aditya Birla Sun Life CrisilIBX Financial Services 912 Months Debt Index 1.38 10.0084 10.1466
Kotak CRISILIBX Financial Services 36 Months Debt Index 1.43 10.0094 10.1526
SBI BSE PSU BANK INDEX 2.15 9.7910 10.0014
Kotak CRISIL IBX AAA Bond Financial Services Index Dec 2026 2.35 10.0112 10.2469
Edelweiss CRISIL IBX AAA Bond NBFC HFC Jun 2027 Index 2.57 10.0057 10.2625
ICICI Prudential CRISILIBX AAA Bond Financial Services Index Dec 2026 2.87 10.0037 10.2910
Bandhan CRISILIBX 1090 Gilt Plus SDL Index Dec 2029 3.13 10.0059 10.3193
Aditya Birla Sun Life CrisilIBX financial Services 3 to 6 months Debt Index 3.15 10.0034 10.3185

Equity: Large Mid Cap

Fund Change (%) NAV (52w low) Latest NAV
Union Large Midcap 9.14 23.0900 25.2000
Baroda BNP Paribas Large and Mid Cap 9.39 24.8422 27.1737
ITI Large Midcap 9.71 8.2531 9.0543

Debt: Gilt

Fund Change (%) NAV (52w low) Latest NAV
Bajaj Finserv Gilt 5.22 1000.1294 1052.2975
quant Gilt 9.97 11.0361 12.1366

Debt: Long Duration

Fund Change (%) NAV (52w low) Latest NAV
Mirae Asset Long Duration 5.98 9.9452 10.5397
Franklin India Long Duration 6.24 9.9770 10.5991

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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