Groww Value Fund
Direct · GrowthAI Summary
Groww Value Fund has delivered SIP XIRR of 14.76% over 3Y and 15.65% over 5Y, though these lag category averages of 16.95% and 16.99% respectively across most horizons. Against the NIFTY50 Value 20 benchmark, the fund shows consistent outperformance with 3Y, 5Y and 7Y CAGR of 11.38%, 9.46% and 14.01% versus benchmark returns of 4.04%, 4.95% and 10.89%. Long-term alpha narrows to near zero over 10-15 years, indicating that the edge versus benchmark has been strongest in the recent 3-7 year period.
The fund exhibits defensive characteristics with beta of 0.78-0.86 across horizons and downside capture around 73-76%, meaning it falls materially less than the benchmark during declines. Calmar ratios of roughly 0.26-0.30 across horizons reflect moderate drawdown efficiency relative to returns. However, investors should note 7 drawdown events exceeding 10%, and the very long max drawdown duration of 798 days signals that peak-to-trough recoveries can be slow for a value-oriented portfolio.
No holdings, sector, or portfolio data was provided in this analysis, so composition and concentration cannot be assessed. As a value fund, its mandate is to invest in stocks trading below intrinsic value, and the defensive capture ratios suggest a conservatively positioned book. Investors should review the latest factsheet for current top holdings and sector exposure before investing.
The fund consistently trails category SIP XIRR averages, including 14.76% vs 16.95% at 3Y and 13.36% vs 16.49% at 10Y, placing it below middling peers within the value category. Its 1Y XIRR of 8.99% also sits behind the 11.59% category average. The silver lining is relative benchmark stability, with positive alpha of 3-7% over 3Y, 5Y and 7Y periods even as peer comparisons disappoint.
This fund suits patient, contrarian investors with a 7-10 year horizon who want steady benchmark-relative value exposure with lower downside capture rather than aggressive category-leading returns. It fits moderate-to-low risk tolerance portfolios given the sub-1 beta and favorable downside behavior. Value styles tend to go through prolonged cycles of underperformance, so investors should be prepared for extended stretches of weak absolute returns, such as -15.91% in 2018 and -5.9% in 2026.
- Consistent alpha of 3.32% to 6.97% versus the NIFTY50 Value 20 benchmark across 1Y to 7Y horizons
- Defensive risk profile with beta below 0.86 and downside capture of roughly 73-76%, cushioning losses in falling markets
- SIPC XIRR of 15.65% over 5Y and above 13% across 5-10Y horizons indicates solid long-term compounding
- SIP XIRR broadly lower than the value category average across 1Y through 10Y, trailing by over 2 percentage points at 3Y and 5Y
- Alpha fades to essentially zero over 10Y to 15Y, and the fund lagged the benchmark over those long-term lump-sum windows
- Expense ratio of 1.05% is on the higher side, and a 798-day max drawdown duration plus 7 large drawdown events indicate slow recovery and multiple deep corrections
Generated on 01-11-2026, 3:07 AM. 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 | ₹12.65 L | 14.6% | -55.1% | 82.4% |
| 3 Years | ₹36.00 L | ₹44.55 L | 12.3% | -26.7% | 31.8% |
| 5 Years | ₹60.00 L | ₹85.15 L | 14.9% | -1.3% | 26.4% |
| 7 Years | ₹84.00 L | ₹1.44 Cr | 15.1% | 8.7% | 20.7% |
| 10 Years | ₹1.20 Cr | ₹2.37 Cr | 13.4% | 11.0% | 14.9% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | NIFTY50 VALUE 20 | Category avg | Fund edge |
|---|---|---|---|---|
| 1 Year | 14.6% | 14.9% | 11.6% | -0.3% |
| 3 Years | 12.3% | 12.9% | 16.9% | -0.6% |
| 5 Years | 14.9% | 13.5% | 17.0% | +1.3% |
| 7 Years | 15.1% | 13.3% | 16.0% | +1.9% |
| 10 Years | 13.4% | 13.6% | 16.5% | -0.2% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 13.8% | 8.9% | -32.1% | 86.2% | 0.37 | 0.89 | 78% | — | — |
| 3 Years | 12.3% | 15.1% | -13.1% | 30.4% | 0.68 | 1.42 | 89% | — | — |
| 5 Years | 13.2% | 12.0% | 2.8% | 27.4% | 1.17 | 12.11 | 100% | — | — |
| 10 Years | 12.2% | 12.3% | 10.1% | 14.0% | 7.57 | — | 100% | — | — |
Calmar Ratio by Duration
Compared against NIFTY50 VALUE 20
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +2.77 | 0.86 | 77.9% | 73.2% | -5.0% | -10.1% |
| 3 Years | +6.66 | 0.85 | 86.1% | 76.1% | 11.7% | 4.8% |
| 5 Years | +4.08 | 0.81 | 81.1% | 74.3% | 9.8% | 5.5% |
| 7 Years | +3.96 | 0.81 | 80.2% | 74.2% | 14.2% | 11.1% |
| 10 Years | -0.50 | 0.78 | 75.1% | 73.2% | 10.5% | 12.3% |
| 12 Years | +0.45 | 0.76 | 73.7% | 70.4% | 10.1% | 10.6% |
| 15 Years | +0.04 | 0.76 | 73.7% | 70.4% | 8.0% | 8.4% |