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 25-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
JioBlackRock Liquid
0.28
1000.7456
1003.5954
Unifi Liquid
0.68
1000.7380
1007.5794
Shriram Liquid
4.49
1002.1019
1047.1147
Motilal Oswal Liquid
6.76
13.1037
13.9893
Quantum Liquid
6.84
33.1153
35.3813
Parag Parikh Liquid
6.89
1370.6832
1465.1631
360 ONE LIQUID
7.01
1897.4799
2030.5826
ITI Liquid
7.07
1286.4067
1377.3977
WhiteOak Capital Liquid
7.12
1324.1947
1418.5287
SBI Liquid
7.14
3864.0811
4140.1206
Debt: Medium To Long Duration
Fund
Change (%)
NAV (52w low)
Latest NAV
BANK OF INDIA Conservative Hybrid
6.64
34.3474
36.6286
BANDHAN Bond
7.08
66.3229
71.0181
Franklin India Medium to Long Duration
7.84
9.9889
10.7725
CANARA ROBECO INCOME
8.07
57.7387
62.3956
Aditya Birla Sun Life Income
8.79
125.2492
136.2634
Nippon India Medium to Long Duration
8.80
26.4837
28.8152
Nippon India Medium to Long Duration
8.80
92.6787
100.8376
SBI Magnum Income
8.99
70.3369
76.6625
UTI Medium to Long Duration
9.11
73.7006
80.4176
HSBC Medium to Long Duration
9.12
43.3059
47.2560
Debt: Dynamic Bond
Fund
Change (%)
NAV (52w low)
Latest NAV
BANDHAN Dynamic Bond
7.06
35.3275
37.8225
CANARA ROBECO DYNAMIC BOND
7.69
30.1911
32.5139
Groww Dynamic Bond
8.07
1420.6682
1535.3207
Union Dynamic Bond
8.13
22.8808
24.7413
DSP Strategic Bond
8.31
3329.4148
3606.2275
Baroda BNP Paribas Dynamic Bond
8.76
47.0194
51.1368
HDFC Dynamic Debt
8.77
91.4951
99.5149
ITI Dynamic Bond
8.81
12.0953
13.1609
SBI Dynamic Bond
8.85
36.0726
39.2636
Mirae Asset Dynamic Bond
8.97
16.3346
17.8002
Debt: Low Duration
Fund
Change (%)
NAV (52w low)
Latest NAV
Union Low Duration
0.11
10.0125
10.0235
Edelweiss Low Duration
3.18
1000.7779
1032.5823
Franklin India Low Duration
3.82
10.0000
10.3818
BANDHAN Low Duration
8.23
36.7733
39.8005
DSP Low Duration
8.28
19.0465
20.6242
CANARA ROBECO SAVINGS
8.30
40.2864
43.6295
Invesco India Low Duration
8.31
3664.2051
3968.8073
Tata Treasury Advantage
8.34
3758.0889
4071.3814
SBI MAGNUM LOW DURATION
8.38
3376.6144
3659.4107
LIC MF Low Duration
8.38
39.8295
43.1672
Debt: Gilt
Fund
Change (%)
NAV (52w low)
Latest NAV
Groww Gilt
1.01
9.8411
9.9403
Bajaj Finserv Gilt
4.54
1000.1294
1045.5160
BANDHAN Government Securities
7.30
35.6349
38.2361
Union Gilt
7.77
11.5438
12.4409
LIC MF Gilt
7.80
61.1566
65.9290
Aditya Birla Sun Life Government Securities
7.87
81.1002
87.4835
Kotak GiltInvestment Provident
7.87
103.9960
112.1756
CANARA ROBECO GILT
7.97
75.5913
81.6182
HSBC Gilt
8.10
70.3383
76.0361
Invesco India Gilt
8.11
2915.3697
3151.8031
Hybrid: Conservative
Fund
Change (%)
NAV (52w low)
Latest NAV
Sundaram Conservative Hybrid
6.28
30.7585
32.6897
BANDHAN Conservative Hybrid
6.31
33.6537
35.7759
HDFC Hybrid Debt
6.35
82.3491
87.5742
LIC MF Conservative Hybrid
6.40
85.3545
90.8169
SBI Conservative Hybrid
7.05
74.3179
79.5550
Kotak Debt Hybrid
7.48
62.9095
67.6134
Axis Conservative Hybrid
7.86
32.6196
35.1832
BARODA BNP PARIBAS Conservative Hybrid
7.93
50.6140
54.6300
UTI Conservative Hybrid
8.09
69.7532
75.3995
Franklin India Conservative Hybrid
8.42
92.5102
100.2998
Debt: Ultra Short Duration
Fund
Change (%)
NAV (52w low)
Latest NAV
Motilal Oswal Ultra Short Term
6.60
16.4215
17.5046
Franklin India Ultra Short Duration
7.29
10.0000
10.7294
ITI Ultra Short Duration
7.59
1195.3935
1286.1758
BANK OF INDIA Ultra Short Duration
7.60
3056.8948
3289.3307
WhiteOak Capital Ultra Short Duration
7.63
1316.8819
1417.3060
CANARA ROBECO ULTRA SHORT TERM
7.73
3771.3453
4062.9149
PGIM India Ultra Short Duration
7.76
33.2424
35.8211
BANDHAN ULTRA SHORT DURATION
7.79
14.3721
15.4916
SBI MAGNUM ULTRA SHORT DURATION
7.82
5670.7502
6114.1322
LIC MF Ultra Short Duration
7.84
1259.0460
1357.7438
Debt: Short Duration
Fund
Change (%)
NAV (52w low)
Latest NAV
Union Short Duration
4.84
10.0087
10.4928
CANARA ROBECO SHORT DURATION
8.89
25.6412
27.9218
Tata Short Term Bond
9.27
48.8849
53.4184
JM Short Duration
9.34
11.3559
12.4164
UTI Short Duration
9.35
31.1329
34.0438
TRUSTMF Short Duration
9.41
1175.8890
1286.5989
HSBC Short Duration
9.58
25.8369
28.3131
DSP Short Term
9.59
46.6162
51.0889
HDFC Short Term Debt
9.61
30.4296
33.3537
Invesco India Short Duration
9.64
3624.3925
3973.7798
Debt: Money Market
Fund
Change (%)
NAV (52w low)
Latest NAV
JioBlackRock Money Market
0.27
1000.8839
1003.5378
Bank of India Money Market
4.07
10.0047
10.4116
LIC MF Money Market
7.14
1131.1406
1211.8609
DSP Savings
7.87
50.6224
54.6048
Union Money Market
7.92
1180.6683
1274.1615
TRUSTMF MONEY MARKET
8.01
1142.0406
1233.5720
PGIM India Money Market
8.06
1273.9337
1376.5722
Invesco India Money Market
8.11
2935.7023
3173.7144
Baroda BNP Paribas Money Market
8.16
1302.3566
1408.6167
Sundaram Money Market
8.19
14.0531
15.2043
Debt: Medium Duration
Fund
Change (%)
NAV (52w low)
Latest NAV
Sundaram Medium Duration
8.25
71.6578
77.5716
UTI Medium Duration
9.25
18.0520
19.7227
SBI MAGNUM MEDIUM DURATION
9.42
50.8915
55.6846
Invesco India Medium Duration
9.47
1178.7543
1290.4138
BANDHAN Bond
9.57
45.8583
50.2461
HDFC Medium Term Debt
9.72
56.1659
61.6256
DSP Bond
9.99
79.7743
87.7461
Other: FoF Domestic
Fund
Change (%)
NAV (52w low)
Latest NAV
Mirae Asset Income plus Arbitrage Active FOF
0.30
10.0160
10.0460
Nippon India Income Plus Arbitrage Active
0.68
10.0120
10.0805
Union Income Plus Arbitrage Active FOF
0.76
9.9688
10.0442
Tata Income Plus Arbitrage Active FOF
0.81
10.0108
10.0922
Baroda BNP Paribas Multi Asset Active FOF
0.85
10.0111
10.0961
Baroda BNP Paribas Income Plus Arbitrage Active FOF
0.98
10.0040
10.1025
SBI Income Plus Arbitrage Active FOF
1.49
9.9882
10.1366
UTI Income Plus Arbitrage Active
2.45
10.0090
10.2543
Zerodha Silver ETF FoF
3.78
10.2465
10.6339
Groww Nifty India Internet ETF FOF
5.48
9.9124
10.4560
Hybrid: Arbitrage
Fund
Change (%)
NAV (52w low)
Latest NAV
quant Arbitrage
2.16
10.0075
10.2235
Samco Arbitrage
3.70
10.0000
10.3700
Motilal Oswal Arbitrage
4.45
10.0112
10.4569
Franklin India Arbitrage
5.00
10.0000
10.4996
Mahindra Manulife Arbitrage
6.31
12.1298
12.8948
WhiteOak Capital Arbitrage
6.57
10.0130
10.6710
NJ Arbitrage
6.74
11.5042
12.2793
JM Arbitrage
7.04
32.6252
34.9205
BANK OF INDIA Arbitrage
7.05
13.5029
14.4547
Bajaj Finserv Arbitrage
7.11
10.6640
11.4220
Hybrid: Equity Savings
Fund
Change (%)
NAV (52w low)
Latest NAV
Nippon India Equity Savings
5.95
16.6061
17.5944
Nippon India Equity Savings
5.95
16.6061
17.5944
UTI Equity Savings
6.04
18.2712
19.3751
Union Equity Savings
6.39
16.4200
17.4700
Franklin India Equity Savings
6.76
16.7765
17.9099
BANDHAN Equity Savings
6.77
32.4620
34.6600
PGIM India Equity Savings
6.92
52.2128
55.8253
Axis Equity Savings
6.97
23.3800
25.0100
HDFC Equity Savings
7.09
68.7630
73.6350
Tata Equity Savings
7.21
57.9764
62.1540
Equity: Dividend Yield
Fund
Change (%)
NAV (52w low)
Latest NAV
Franklin India Dividend Yield
9.83
138.2964
151.8969
Solution: Retirement Fund
Fund
Change (%)
NAV (52w low)
Latest NAV
HDFC Retirement Savings
6.78
22.8719
24.4215
Nippon India Retirement
7.18
21.6155
23.1680
Nippon India Retirement
7.18
21.6155
23.1680
SBI Retirement Benefit
7.19
13.6905
14.6746
Aditya Birla Sun Life Retirement
7.66
13.3359
14.3568
Axis Retirement
7.67
16.1444
17.3829
Tata Retirement Savings
7.77
34.4689
37.1468
SBI Retirement Benefit
7.89
14.8177
15.9874
Aditya Birla Sun Life Retirement
7.93
14.7235
15.8911
Franklin India Retirement
8.19
222.2409
240.4356
Hybrid: Dynamic Asset Allocation Or Balanced Advantage
Fund
Change (%)
NAV (52w low)
Latest NAV
Unifi Dynamic Asset Allocation
3.20
10.0047
10.3251
Samco Dynamic Asset Allocation
7.19
10.1500
10.8800
Parag Parikh Dynamic Asset Allocation
7.43
10.6172
11.4065
Shriram Balanced Advantage
7.81
17.4112
18.7710
Axis Balanced Advantage
8.55
21.4100
23.2400
DSP Dynamic Asset Allocation
8.58
29.0830
31.5780
SBI Balanced Advantage
8.73
14.6454
15.9241
Tata Balanced Advantage
8.96
20.7915
22.6537
ITI Balanced Advantage
8.99
14.8273
16.1606
HSBC Balanced Advantage
9.34
45.9868
50.2801
Debt: Floater
Fund
Change (%)
NAV (52w low)
Latest NAV
UTI Floater
8.28
1456.5510
1577.1214
SBI Floating Rate Debt
8.69
12.4478
13.5299
Aditya Birla Sun Life Floating Rate
8.70
331.3870
360.2278
ICICI Prudential Floating Interest
9.09
428.1110
467.0102
HDFC Floating Rate Debt
9.17
47.0724
51.3875
Tata Floating Rate
9.41
11.9807
13.1086
DSP Floater
9.62
12.2817
13.4635
Nippon India Floater
9.65
43.7721
47.9961
BANDHAN FLOATER
9.70
12.1025
13.2770
KOTAK FLOATING RATE
9.76
1423.3188
1562.1980
Debt: Corporate Bond
Fund
Change (%)
NAV (52w low)
Latest NAV
CANARA ROBECO CORPORATE BOND
8.60
21.5893
23.4459
TRUSTMF CORPORATE BOND
9.05
1112.9542
1213.6421
DSP Corporate Bond
9.06
15.0160
16.3766
ICICI Prudential Corporate Bond
9.35
28.8354
31.5303
Mirae Asset Corporate Bond
9.47
11.9855
13.1208
Aditya Birla Sun Life Corporate Bond
9.49
105.8049
115.8506
BANDHAN Corporate Bond
9.54
18.2439
19.9835
Sundaram Corporate Bond
9.57
38.2549
41.9165
HDFC Corporate Bond
9.60
30.6330
33.5739
Tata Corporate Bond
9.60
11.6294
12.7462
Debt: Banking And PSU
Fund
Change (%)
NAV (52w low)
Latest NAV
Canara Robeco Banking and PSU Debt
8.40
11.3045
12.2543
ITI Banking PSU Debt
8.76
12.3764
13.4605
Bandhan Banking and PSU
8.92
23.4397
25.5299
ICICI Prudential Banking and PSU Debt
9.11
31.5284
34.3995
UTI Banking PSU
9.11
20.6234
22.5016
HSBC Banking and PSU Debt
9.12
23.6213
25.7755
TRUSTMF BANKING PSU
9.16
1198.4786
1308.2786
Franklin India Banking PSU Debt
9.18
21.6582
23.6472
Axis Banking PSU Debt
9.21
2509.7353
2740.9642
DSP Banking PSU Debt
9.22
23.0114
25.1340
Solution: Child Fund
Fund
Change (%)
NAV (52w low)
Latest NAV
SBI Magnum Childrens Benefit
9.54
109.6996
120.1655
Debt: Credit Risk
Fund
Change (%)
NAV (52w low)
Latest NAV
BANDHAN Credit Risk
8.79
16.4763
17.9239
Kotak Credit Risk
9.19
30.6333
33.4471
UTI Credit Risk
9.56
17.7419
19.4372
SBI CREDIT RISK
9.57
45.3352
49.6730
HDFC Credit Risk Debt
9.61
23.9112
26.2081
Axis Credit Risk
9.94
21.9513
24.1330
Debt: Overnight
Fund
Change (%)
NAV (52w low)
Latest NAV
360 ONE Overnight
0.18
1000.6319
1002.3861
JioBlackRock Overnight
0.28
1000.7415
1003.5114
Zerodha Overnight
1.59
10.0213
10.1810
Samco Overnight
6.14
1120.4790
1189.2330
ITI Overnight
6.18
1241.0825
1317.8086
Shriram Overnight
6.23
11.2999
12.0037
JM Overnight
6.28
1240.6433
1318.5756
JM Overnight
6.28
1240.6601
1318.5953
Helios Overnight
6.29
1050.3117
1116.3295
Groww Overnight
6.31
1260.4336
1339.9206
Debt: Gilt Fund With 10 Year Constant Duration
Fund
Change (%)
NAV (52w low)
Latest NAV
DSP 10Y GSec
9.93
20.4751
22.5085
Debt: Long Duration
Fund
Change (%)
NAV (52w low)
Latest NAV
Franklin India Long Duration
4.76
9.9770
10.4524
Mirae Asset Long Duration
4.85
9.9452
10.4276
UTI Long Duration
6.81
11.4352
12.2145
SBI Long Duration
7.21
11.6839
12.5260
Axis Long Duration
7.30
1163.6049
1248.5771
Bandhan Long Duration
7.42
10.3767
11.1470
HDFC Long Duration Debt
7.55
11.5457
12.4175
Kotak Long Duration
7.82
10.3409
11.1491
Nippon India Nivesh Lakshya Long Duration
8.86
16.9411
18.4420
Aditya Birla Sun Life Long Duration
9.52
11.9766
13.1162
Other: Index Funds
Fund
Change (%)
NAV (52w low)
Latest NAV
Kotak Nifty AAA Bond Financial Services Mar 2028 Index
0.20
10.0076
10.0281
Mirae Asset CRISILIBX Financial Services 912 Months Debt Index
0.59
10.0024
10.0615
Kotak Nifty Top 10 Equal Weight Index
1.02
9.9120
10.0130
Bajaj Finserv Nifty 50 Index
1.53
9.9266
10.0787
ANGEL ONE NIFTY 50 INDEX
1.54
9.9834
10.1372
Nippon India BSE Sensex Next 30 Index
1.60
9.7658
9.9220
HDFC CRISILIBX Financial Services 36 Months Debt Index
1.61
10.0026
10.1640
Bajaj Finserv Nifty Next 50 Index
2.50
10.4255
10.6864
ICICI Prudential CRISILIBX Financial Services 36 Months Debt Index
2.78
10.0032
10.2816
Bandhan CRISILIBX Financial Services 36 Months Debt Index
2.89
10.0107
10.2998
Other: FoF Overseas
Fund
Change (%)
NAV (52w low)
Latest NAV
DSP US Treasury
7.41
10.2889
11.0511
Axis US Specific Treasury Dynamic Debt Passive FOF
7.44
10.0572
10.8051
Bandhan US TREASURY BOND 01 YEAR
8.02
10.8272
11.6957
Aditya Birla Sun Life US Treasury 310 Year Bond ETFs
8.10
10.6530
11.5154
Aditya Birla Sun Life US Treasury 13 Year Bond ETFs
8.23
10.4362
11.2947
Equity: Sectoral or Thematic
Fund
Change (%)
NAV (52w low)
Latest NAV
HDFC INNOVATION
0.69
9.9780
10.0470
Baroda BNP Paribas Health and Wellness
1.38
9.9790
10.1166
ICICI Prudential Quality
1.50
10.0100
10.1600
Motilal Oswal Services
1.75
9.7751
9.9462
Kotak Energy Opportunities
1.88
10.0140
10.2020
Shriram Multi Sector Rotation
5.58
7.4906
7.9089
Motilal Oswal Infrastructure
6.96
10.5087
11.2402
Samco Active Momentum
8.46
13.5900
14.7400
Hybrid: Multi Asset Allocation
Fund
Change (%)
NAV (52w low)
Latest NAV
Canara Robeco Multi Asset Allocation
1.60
10.0000
10.1600
Edelweiss Multi Asset Allocation
8.78
10.8592
11.8122
Hybrid: Balanced
Fund
Change (%)
NAV (52w low)
Latest NAV
360 ONE Balanced Hybrid
8.62
12.0175
13.0532
Equity: Large Cap
Fund
Change (%)
NAV (52w low)
Latest NAV
Samco Large Cap
1.96
9.6900
9.8800
Equity: Multi Cap
Fund
Change (%)
NAV (52w low)
Latest NAV
UTI Multi Cap
2.69
9.9634
10.2318
Equity: Flexi Cap
Fund
Change (%)
NAV (52w low)
Latest NAV
Unifi Flexi Cap
1.83
10.0165
10.2002
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