How the numbersare made.

NAV

The daily NAV file published by AMFI (source (opens in a new tab)).

Scheme terms

Each AMC’s Investment Strategy Information Document (ISID), Scheme Information Document and Key Information Memorandum — risk band, benchmark, exit load, liquidity, minimum investment, maximum expense ratio.

AUM

Month-end AUM from AMC factsheets and monthly disclosures.

Average AUM

The quarterly average AUM that AMFI publishes for every SIF strategy (source (opens in a new tab)).

Expense ratio

The total expense ratio disclosed for each plan, as AMFI publishes it for every SIF strategy (source (opens in a new tab)), and the AMCs’ own TER files for earlier dates.

Calculations

Returns, volatility, drawdown and scheme age are calculated by SIF Insight from the AMFI NAV series, as set out below.

A researched value is used only once it has been checked against the document it came from; each carries the document and the place in it. Of the 39 schemes we track, 39 have every headline disclosure captured.

Every figure is shown with the date it is correct as of. The latest NAV file we hold is dated 13 Nov 2026, and that date — not the day you are reading — is the reference date for every return, age and window on the site. AUM and expense ratios carry their own, usually earlier, dates. We show the latest NAV, not a live price.

SIF units are issued at different face values — some at ₹10, others at ₹1,000. A scheme’s NAV therefore says nothing about whether it has done better or worse than another, and we never rank, chart or compare NAVs across schemes. Percentage change is the only basis on which schemes are compared.

Where the face value is stated in a scheme document we use it. Where it is not, we infer it from the first published NAV — ₹1,000 if that NAV is above ₹200, otherwise ₹10 — and label it as inferred.

• 1D is the change from the previous published NAV, whatever its date.
• 1W looks back 7 calendar days.
• 1M, 3M, 6M, 1Y, 2Y look back by calendar months or years from the reference date.
• The start value is the last NAV published on or before the target date. If the series starts after the target date, or the nearest earlier NAV is more than 7 days before it, the return is shown as “N/A — Insufficient history”.
• Periods shorter than 365 days are absolute returns; periods of a year or more are annualised (CAGR).
• Since inception starts from the face value on the allotment date where both are taken from a scheme document, and otherwise from the first published NAV. The label says which.

Past performance may or may not be sustained in the future. Returns shown are historical, for the selected period, and are not an indication or guarantee of future returns or a recommendation.

A month’s return runs from the last NAV of the previous month to the last NAV of the month. Only completed months are shown; the current, partial month is not.

Inception is the allotment date stated in the scheme document. Where that has not been captured we use the date of the first published NAV and label it so. Age is measured from inception to the reference date.

The sample standard deviation of daily NAV returns, annualised by multiplying by the square root of 252. It is calculated only once a scheme has at least 126 daily returns; before that it is shown as “N/A — Insufficient history”.

The largest fall in NAV from a previous peak to a subsequent trough over the scheme’s published history, as a percentage of the peak. The same minimum of 126 observations applies.

The risk band (1 to 5) is the one the AMC assigns under the SEBI framework, taken from the scheme’s latest document we hold. It is not a SIF Insight rating. See Regulatory Disclosures.

The benchmark is the index the scheme document names. Where AMCs word the same index differently we group them under one name for filtering, and keep the document’s own wording on the scheme page.

AUM is the scheme-level month-end figure in ₹ crore, as the AMC discloses it. AMC and industry totals add up the schemes reporting for the same month — the month with the most schemes reporting — and state how many schemes they cover, so a partial total is never shown as a complete one.

Current coverage: 33 of 39 schemes, as of 31 Aug 2026.

Average AUM is a separate figure: the average of a scheme’s assets over a whole quarter, all of its plans together, as AMFI publishes it. It is shown on the scheme page under its own label with the quarter it covers, and is never added into an AMC or industry total or used in place of a month-end figure. Because the average runs over the whole quarter, a fund that opened during it shows less than it holds; the scheme page says so where that applies.

Where a TER disclosure has been captured, we show the charged total expense ratio of the Regular plan with its date. Otherwise we show the maximum the scheme document permits, written “Up to x%”. The two are different figures. The document’s maximum limits the base expense ratio; the total charged adds brokerage, transaction costs and statutory levies to it, so the total can be above that maximum. Where the disclosure states the base expense ratio, it is shown beside the total.

That maximum has applied to the base expense ratio only since April 2026. A scheme document drafted under the earlier regulations, as most of those dated before then were, states a ceiling on total expenses, which is a different figure. We therefore show a maximum only where a fund-house document states the base-expense ceiling for that scheme: its current scheme document, or a notice that names the scheme. Where a fund house has published limits by category of scheme without saying which category a fund belongs to, we do not pick one, and the maximum reads “Not captured”.

Exit load is read from the scheme document. Where the load steps down over time, the headline percentage is the highest rate charged and the period is the latest point at which any load still applies; the document’s full wording is shown on the scheme page.

To make schemes filterable, the redemption frequency in each scheme document is grouped into one of these buckets: Daily, Twice a week, Weekly, Fortnightly, Monthly, Other. The bucket is a summary; notice periods, cut-offs and settlement times are in the document’s exact wording, which is shown on the scheme page and prevails.

Return heatmaps shade each cell by the size of the move, in four grades each side of zero. Every cell also prints its signed figure — colour never carries gain or loss on its own.

1D and 1W

below 0.25% · 0.25–1% · 1–2.5% · above 2.5%

1M and longer

below 1% · 1–3% · 3–7% · above 7%

N/A — Insufficient history

The scheme has not existed long enough, or its NAV series has a gap, for the figure to be calculated honestly.

Not captured

The value exists in principle but we have not yet taken it from an official document.

Not applicable

The field does not apply to this scheme.

These metrics are planned. Until the data behind them is held, they do not appear as columns, filters or sort options anywhere on the site.

Sharpe ratio

Needs a benchmark index series and a risk-free rate held alongside each scheme, and enough history to be meaningful.

Alpha

Needs a benchmark index series and a risk-free rate held alongside each scheme, and enough history to be meaningful.

Beta

Needs a benchmark index series and a risk-free rate held alongside each scheme, and enough history to be meaningful.

Benchmark return

Needs the benchmark index’s own daily series, which we do not yet hold.

Excess return

Needs the benchmark index’s own daily series, which we do not yet hold.

AUM growth

Needs at least two month-end AUM figures per scheme from AMC disclosures.

Equity exposure

Needs monthly portfolio disclosures from each AMC, which are not yet captured.

Debt exposure

Needs monthly portfolio disclosures from each AMC, which are not yet captured.

Cash exposure

Needs monthly portfolio disclosures from each AMC, which are not yet captured.

Gross long

Needs monthly portfolio disclosures from each AMC, which are not yet captured.

Gross short

Needs monthly portfolio disclosures from each AMC, which are not yet captured.

Net exposure

Needs monthly portfolio disclosures from each AMC, which are not yet captured.

Top-10 concentration

Needs monthly portfolio disclosures from each AMC, which are not yet captured.