360 ONE Focused Fund
Direct · GrowthAI Summary
360 ONE Focused Fund has delivered strong SIP XIRR across horizons, with 18.15% over 3Y and 18.18% over 10Y, outperforming the category average SIP XIRR of 16.4% and 15.79% respectively. On a lump-sum basis, the fund has beaten the NIFTY 50 across all periods, with a 10Y Fund CAGR of 16.02% versus the benchmark's 10.79% and consistent positive alpha ranging from 4.78% to 10.52%. Recent 1Y performance of 17.86% XIRR against a benchmark CAGR of -2.9% highlights its ability to generate returns even in weak markets.
The fund shows a favorable risk profile with a beta below 1.0 over longer periods (0.91-0.93 for 7Y-15Y) and downside capture of 86.89% to 90.32% over 5Y-7Y, meaning it falls less than the benchmark in declining markets. The maximum drawdown of -0.37% with a 32-day duration and 227-day recovery indicates shallow recent drawdowns, though 7 drawdown events exceeding 10% have occurred historically. Calmar ratios of 0.47-0.51 across horizons reflect solid risk-adjusted returns.
The portfolio is concentrated with only 27 holdings, led by ICICI Bank (8.63%), Bharti Airtel (6.45%), and Indus Towers (5.69%), consistent with the focused fund mandate. Financials dominate with Banks (17.5%) and Finance (12.7%) together comprising 30.2% of the portfolio, followed by Telecom Services at 12.1%. The top 10 holdings account for roughly 48.6% of NAV, leaving meaningful weight in the remaining 17 positions.
The fund consistently outperforms its category on SIP XIRR across all measured horizons, with the widest gap over 5Y (19.09% vs 15.29%) and 7Y (19.87% vs 15.17%). Calendar year returns show strong consistency, with positive returns in 11 of the last 13 years and only modest declines in 2018 (-5.14%) and 2022 (-1.04%). This combination of above-average returns and low downside capture suggests durable stock selection rather than episodic outperformance.
This fund suits investors seeking a concentrated, high-conviction equity portfolio with a long-term horizon of at least 5-7 years to allow the alpha generation to compound. It is appropriate for investors with moderate-to-high risk tolerance who can accept concentrated sector exposure, particularly to financials, in exchange for the fund's demonstrated downside protection. It works well as a core satellite holding complementing broader index or diversified funds.
- Consistent alpha over the NIFTY 50 across all periods from 1Y to 15Y, ranging from 4.78% to 10.52%
- Superior SIP XIRR versus category averages at every horizon, including 19.87% over 7Y versus the category's 15.17%
- Low downside capture (86.89%-90.32% over 5Y-7Y) with beta below 1.0, indicating resilience in falling markets
- Heavy sector concentration in financials, with Banks and Finance together at 30.2% of the portfolio
- Only 27 holdings with the top 10 at roughly 48.6% of NAV, creating single-stock concentration risk typical of focused mandates
Generated on 06-09-2026, 7:53 PM. Verify before investing.
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
If you invested ₹1,00,000 every month via SIP, here's how this fund has historically performed across different time horizons.
| Duration | Invested | Median Value | XIRR | Min XIRR | Max XIRR |
|---|---|---|---|---|---|
| 1 Year | ₹12.00 L | ₹12.86 L | 17.9% | -47.5% | 96.3% |
| 3 Years | ₹36.00 L | ₹45.95 L | 18.1% | -11.2% | 43.0% |
| 5 Years | ₹60.00 L | ₹96.92 L | 19.1% | -0.9% | 29.4% |
| 7 Years | ₹84.00 L | ₹1.67 Cr | 19.9% | 12.9% | 25.7% |
| 10 Years | ₹1.20 Cr | ₹3.09 Cr | 18.2% | 14.5% | 22.1% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | NIFTY 50 | Category avg | Fund edge |
|---|---|---|---|---|
| 1 Year | 17.9% | 14.4% | 17.0% | +3.5% |
| 3 Years | 18.1% | 11.1% | 16.4% | +7.1% |
| 5 Years | 19.1% | 10.4% | 15.3% | +8.7% |
| 7 Years | 19.9% | 10.6% | 15.2% | +9.3% |
| 10 Years | 18.2% | 11.5% | 15.8% | +6.7% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 17.3% | 13.3% | -17.8% | 95.8% | 0.58 | 2.14 | 84% | — | — |
| 3 Years | 17.9% | 17.2% | -0.6% | 35.3% | 1.80 | 25.78 | 100% | — | — |
| 5 Years | 18.7% | 19.1% | 4.1% | 30.2% | 2.59 | 112.03 | 100% | — | — |
| 10 Years | 17.1% | 17.2% | 15.1% | 19.1% | 14.83 | — | 100% | — | — |
Calmar Ratio by Duration
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +10.52 | 1.06 | 108.8% | 95.8% | 7.0% | -2.9% |
| 3 Years | +5.95 | 1.03 | 101.8% | 94.0% | 13.7% | 7.8% |
| 5 Years | +4.89 | 0.97 | 96.6% | 90.3% | 12.7% | 7.8% |
| 7 Years | +7.32 | 0.91 | 94.6% | 86.9% | 18.7% | 11.8% |
| 10 Years | +5.55 | 0.93 | 95.4% | 88.8% | 16.0% | 10.8% |
| 12 Years | +6.23 | 0.92 | 95.2% | 87.7% | 15.3% | 9.3% |
| 15 Years | +4.78 | 0.92 | 95.2% | 87.7% | 12.1% | 7.4% |
| # | Stock | % of NAV |
|---|---|---|
| 1 | ICICI Bank Limited | 8.63% |
| 2 | Bharti Airtel Limited | 6.45% |
| 3 | Indus Towers Limited | 5.69% |
| 4 | Cholamandalam Investment and Finance Company Ltd | 5.16% |
| 5 | Axis Bank Limited | 4.92% |
| 6 | GE Vernova T&D India Limited | 4.68% |
| 7 | CG Power and Industrial Solutions Limited | 4.17% |
| 8 | Larsen & Toubro Limited | 4.12% |
| 9 | Kotak Mahindra Bank Limited | 3.92% |
| 10 | Tata Motors Ltd | 3.86% |