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: 28 May 2025
Author: Sayan Sircar
Tags: Tags Screener ;  Mutual Funds
16 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 27-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 3.51 1002.1019 1037.3111
Motilal Oswal Liquid 6.90 12.9659 13.8600
Quantum Liquid 6.96 32.7640 35.0432
Parag Parikh Liquid 6.99 1356.1350 1450.9510
ITI Liquid 7.14 1272.7217 1363.6178
360 ONE LIQUID 7.15 1876.9357 2011.1934
JM Liquid 7.26 66.7435 71.5910
WhiteOak Capital Liquid 7.26 1309.7898 1404.8673
SBI Liquid 7.28 3821.7225 4099.8827
TRUSTMF Liquid 7.29 1183.4868 1269.7647

Debt: Low Duration

Fund Change (%) NAV (52w low) Latest NAV
Edelweiss Low Duration 1.95 1000.7779 1020.2505
Franklin India Low Duration 2.52 10.0000 10.2522
BANDHAN Low Duration 8.23 36.3583 39.3523
CANARA ROBECO SAVINGS 8.24 39.8264 43.1099
Invesco India Low Duration 8.30 3622.3430 3923.1199
DSP Low Duration 8.33 18.8247 20.3937
Tata Treasury Advantage 8.34 3714.6521 4024.4380
JM Low Duration 8.41 34.9578 37.8981
BARODA BNP PARIBAS LOW DURATION 8.41 40.2786 43.6662
UTI Low Duration 8.42 3309.6718 3588.3445

Debt: Ultra Short Duration

Fund Change (%) NAV (52w low) Latest NAV
Franklin India Ultra Short Duration 5.98 10.0000 10.5983
Motilal Oswal Ultra Short Term 6.63 16.2571 17.3351
BANK OF INDIA Ultra Short Duration 7.53 3024.5446 3252.3723
WhiteOak Capital Ultra Short Duration 7.61 1302.2742 1401.3896
ITI Ultra Short Duration 7.63 1182.4832 1272.6521
CANARA ROBECO ULTRA SHORT TERM 7.66 3730.4638 4016.3333
PGIM India Ultra Short Duration 7.74 32.8711 35.4139
BANDHAN ULTRA SHORT TERM 7.79 14.2119 15.3184
SBI MAGNUM ULTRA SHORT DURATION 7.83 5606.4088 6045.5539
LIC MF Ultra Short Duration 7.84 1244.6984 1342.2913

Debt: Short Duration

Fund Change (%) NAV (52w low) Latest NAV
Union Short Duration 3.92 10.0087 10.4010
CANARA ROBECO SHORT DURATION 9.37 25.3419 27.7153
UTI Short Duration 9.70 30.7730 33.7566
Tata Short Term Bond 9.84 48.2861 53.0384
TRUSTMF Short Duration 9.88 1161.4161 1276.2080
JM Short Duration 9.88 11.2124 12.3198
ICICI Prudential Short Term 9.89 59.6261 65.5252

Debt: Money Market

Fund Change (%) NAV (52w low) Latest NAV
Bank of India Money Market 2.81 10.0047 10.2857
LIC MF Money Market 6.83 1120.7011 1197.2108
DSP Savings 7.82 50.0429 53.9557
Union Money Market 7.87 1167.5419 1259.3873
TRUSTMF MONEY MARKET 7.92 1129.5571 1219.0570
PGIM India Money Market 8.03 1259.4337 1360.5055
Invesco India Money Market 8.05 2902.2716 3135.9948
Baroda BNP Paribas Money Market 8.05 1287.8216 1391.4841
Sundaram Money Market 8.09 13.8952 15.0192
HSBC Money Market 8.13 25.4772 27.5488

Debt: Medium To Long Duration

Fund Change (%) NAV (52w low) Latest NAV
Franklin India Medium to Long Duration 7.55 9.9889 10.7430
BANK OF INDIA Conservative Hybrid 7.81 33.7712 36.4075
BANDHAN Bond 9.20 65.2762 71.2831

Other: FoF Domestic

Fund Change (%) NAV (52w low) Latest NAV
SBI Income Plus Arbitrage Active FOF 0.86 9.9882 10.0741
UTI Income Plus Arbitrage Active 1.57 10.0090 10.1658
DSP Silver ETF 1.71 10.1356 10.3091
BHARAT Bond FOF April 2025 Pan 6.81 12.0714 12.8931
Groww Nifty 500 Momentum 50 ETF FOF 7.74 9.6927 10.4428
HDFC Income Plus Arbitrage Active FOF 8.10 39.6165 42.8237
Axis Nifty AAA Bond Plus SDL Apr 2026 5050 ETF FOF 8.28 11.2595 12.1917
ICICI Prudential Nifty EV New Age Automotive ETF FOF 9.05 10.2202 11.1448
HSBC Income Plus Arbitrage Active FOF 9.11 20.7880 22.6818
Bandhan Income Plus Arbitrage 9.37 41.9503 45.8798

Hybrid: Arbitrage

Fund Change (%) NAV (52w low) Latest NAV
quant Arbitrage 0.90 10.0075 10.0977
Samco Arbitrage 2.70 10.0000 10.2700
Motilal Oswal Arbitrage 2.88 10.0112 10.2997
Franklin India Arbitrage 3.71 10.0000 10.3708
WhiteOak Capital Arbitrage 5.28 10.0130 10.5420
Mahindra Manulife Arbitrage 6.54 11.9759 12.7588
NJ Arbitrage 7.01 11.3502 12.1457
JM Arbitrage 7.27 32.1893 34.5299
Bajaj Finserv Arbitrage 7.31 10.5240 11.2930
Parag Parikh Arbitrage 7.32 10.4364 11.2006

Hybrid: Equity Savings

Fund Change (%) NAV (52w low) Latest NAV
WhiteOak Capital Equity Savings 4.99 9.9930 10.4920
Union Equity Savings 8.01 15.9900 17.2700
Nippon India Equity Savings 8.19 16.1173 17.4370
Nippon India Equity Savings 8.19 16.1173 17.4370
PGIM India Equity Savings 8.32 51.0009 55.2444
Franklin India Equity Savings 8.69 16.2911 17.7060
BANDHAN Equity Savings 8.88 31.5100 34.3070
Aditya Birla Sun Life Equity Savings 9.26 22.0200 24.0600
Kotak Equity Savings 9.55 25.6875 28.1409
UTI Equity Savings 9.71 17.5865 19.2949

Debt: Floater

Fund Change (%) NAV (52w low) Latest NAV
UTI Floater 8.47 1440.5857 1562.6670
Aditya Birla Sun Life Floating Rate 8.82 327.3286 356.1864
SBI Floating Rate Debt 9.05 12.2894 13.4013
ICICI Prudential Floating Interest 9.33 422.0510 461.4484
HDFC Floating Rate Debt 9.51 46.4475 50.8659
Tata Floating Rate 9.86 11.8392 13.0063
KOTAK FLOATING RATE 9.99 1403.6595 1543.8992

Debt: Banking And PSU

Fund Change (%) NAV (52w low) Latest NAV
Canara Robeco Banking and PSU Debt 9.09 11.1680 12.1833
ITI Banking PSU Debt 9.13 12.2334 13.3508
BANDHAN Banking PSU Debt 9.40 23.1548 25.3314
UTI Banking PSU 9.47 20.3585 22.2859
HSBC Banking and PSU Debt 9.55 23.3485 25.5788
TRUSTMF BANKING PSU 9.59 1183.9087 1297.4387
Axis Banking PSU Debt 9.71 2479.5226 2720.3861
Franklin India Banking PSU Debt 9.72 21.3949 23.4741
ICICI Prudential Banking and PSU Debt 9.73 31.1226 34.1515
Sundaram Banking PSU 9.94 39.7848 43.7412

Debt: Medium Duration

Fund Change (%) NAV (52w low) Latest NAV
Sundaram Medium Duration 9.16 70.8243 77.3129

Debt: Credit Risk

Fund Change (%) NAV (52w low) Latest NAV
Kotak Credit Risk 9.36 30.1586 32.9809
BANDHAN Credit Risk 9.52 16.2643 17.8121
UTI Credit Risk 9.72 17.5390 19.2440
HDFC Credit Risk Debt 9.94 23.5751 25.9195

Debt: Overnight

Fund Change (%) NAV (52w low) Latest NAV
Zerodha Overnight 0.74 10.0213 10.0956
Samco Overnight 6.30 1109.5650 1179.4432
ITI Overnight 6.31 1228.9349 1306.4579
Shriram Overnight 6.39 11.1870 11.9020
CANARA ROBECO OVERNIGHT 6.42 1250.4339 1330.7636
Helios Overnight 6.42 1039.9135 1106.6608
JM Overnight 6.44 1228.3214 1307.4719
JM Overnight 6.44 1228.3372 1307.4914
NJ Overnight 6.45 1120.9002 1193.2150
Edelweiss Overnight 6.47 1252.4372 1333.4147

Hybrid: Aggressive

Fund Change (%) NAV (52w low) Latest NAV
JM Aggressive Hybrid 8.93 123.1480 134.1464
Shriram Aggressive Hybrid 9.86 32.0756 35.2374

Debt: Corporate Bond

Fund Change (%) NAV (52w low) Latest NAV
DSP Corporate Bond 9.22 14.8309 16.1988
CANARA ROBECO CORPORATE BOND 9.43 21.3197 23.3308
TRUSTMF CORPORATE BOND 9.67 1098.8754 1205.1767
ICICI Prudential Corporate Bond 9.71 28.4804 31.2448

Hybrid: Dynamic Asset Allocation Or Balanced Advantage

Fund Change (%) NAV (52w low) Latest NAV
Unifi Dynamic Asset Allocation 2.05 10.0047 10.2099
Samco Dynamic Asset Allocation 5.30 10.0000 10.5300
Shriram Balanced Advantage 7.54 17.4112 18.7240
Tata Balanced Advantage 8.94 20.5384 22.3751
NJ Balanced Advantage 9.03 12.9500 14.1200
Canara Robeco Balanced Advantage 9.61 9.3700 10.2700
Helios Balanced Advantage 9.70 10.2100 11.2000
BANK OF INDIA BALANCED ADVANTAGE 9.86 24.1169 26.4942

Other: FoF Overseas

Fund Change (%) NAV (52w low) Latest NAV
Bandhan US TREASURY BOND 01 YEAR 7.32 10.6746 11.4564
Aditya Birla Sun Life US Treasury 13 Year Bond ETFs 7.93 10.2291 11.0407
Aditya Birla Sun Life US Treasury 310 Year Bond ETFs 8.48 10.3261 11.2014
DSP US Treasury 8.51 9.9519 10.7988
Edelweiss US Value Equity Offshore 8.85 30.9805 33.7236
Axis US Treasury Dynamic Bond ETF 8.86 9.6889 10.5475

Debt: Dynamic Bond

Fund Change (%) NAV (52w low) Latest NAV
Mirae Asset Dynamic Bond 9.30 16.1265 17.6258

Solution: Retirement Fund

Fund Change (%) NAV (52w low) Latest NAV
Aditya Birla Sun Life Retirement 8.49 13.1855 14.3047
ICICI Prudential Retirement 9.73 14.9145 16.3662

Hybrid: Multi Asset Allocation

Fund Change (%) NAV (52w low) Latest NAV
Motilal Oswal Multi Asset 8.06 11.8056 12.7573
Shriram Multi Asset Allocation 8.76 11.3048 12.2956
Invesco India Multi Asset Allocation 9.02 9.7600 10.6400
Bajaj Finserv Multi Asset Allocation 9.12 9.9936 10.9053
Edelweiss Multi Asset Allocation 9.56 10.6899 11.7118

Other: Index Funds

Fund Change (%) NAV (52w low) Latest NAV
HDFC CRISILIBX Financial Services 36 Months Debt Index 0.43 10.0026 10.0460
Bajaj Finserv Nifty 50 Index 0.85 9.9435 10.0279
ICICI Prudential CRISILIBX Financial Services 36 Months Debt Index 1.65 10.0032 10.1686
Bandhan CRISILIBX Financial Services 36 Months Debt Index 1.77 10.0107 10.1878
Kotak CRISILIBX Financial Services 36 Months Debt Index 1.88 10.0094 10.1974
Aditya Birla Sun Life CrisilIBX Financial Services 912 Months Debt Index 1.88 10.0084 10.1963
Edelweiss BSE Internet Economy Index 2.23 9.7723 9.9903
Kotak Nifty Top 10 Equal Weight Index 2.57 9.9120 10.1670
Bajaj Finserv Nifty Next 50 Index 2.59 10.4255 10.6953
Kotak CRISIL IBX AAA Bond Financial Services Index Dec 2026 2.97 10.0112 10.3086

Equity: Multi Cap

Fund Change (%) NAV (52w low) Latest NAV
UTI Multi Cap 0.63 9.9634 10.0259
Samco Multi Cap 8.42 8.7900 9.5300

Equity: Sectoral or Thematic

Fund Change (%) NAV (52w low) Latest NAV
Kotak Energy Opportunities 2.43 10.0140 10.2570
Motilal Oswal Infrastructure 2.65 10.5087 10.7873
Shriram Multi Sector Rotation 5.19 7.4906 7.8792

Debt: Long Duration

Fund Change (%) NAV (52w low) Latest NAV
Mirae Asset Long Duration 6.37 9.9452 10.5789
Franklin India Long Duration 6.58 9.9770 10.6337

Debt: Gilt

Fund Change (%) NAV (52w low) Latest NAV
Groww Gilt 0.52 10.0431 10.0954
Bajaj Finserv Gilt 5.85 1000.1294 1058.6351

Equity: Large Cap

Fund Change (%) NAV (52w low) Latest NAV
Samco Large Cap 2.58 9.6900 9.9400

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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