Groww Value Fund
Direct · GrowthAI Summary
Groww Value Fund has delivered strong alpha over its benchmark, with Fund CAGR of 15.56% vs 6.01% for the NIFTY50 Value 20 over 3 years and 12.9% vs 6.65% over 5 years. However, its SIP XIRR of 12.45% (3Y) and 15.00% (5Y) trails the category average SIP XIRR of 17.43% and 16.74% respectively across most horizons. Over the long term (10Y+), the fund's lump-sum CAGR of 11.67% slightly lags the benchmark's 12.13%, with alpha shrinking to under 1%.
The fund exhibits a defensive risk profile, with beta between 0.76 and 0.87 and consistently lower downside capture (70-76%) than upside capture (74-89%) across all periods. It has experienced 7 drawdown events exceeding 10%, with a maximum drawdown duration of 798 days and a 322-day recovery, indicating prolonged drawdowns typical of value strategies. Calmar ratios of roughly 0.26-0.30 across horizons reflect moderate risk-adjusted efficiency.
Detailed holdings and sector allocation data were not provided, so specific top holdings and concentration levels cannot be assessed. As a value fund, it invests in undervalued stocks relative to the NIFTY50 Value 20 benchmark, with its low beta suggesting a tilt toward defensive, lower-volatility names. Investors should review the current factsheet for portfolio specifics before investing.
Against category peers, the fund underperforms on SIP XIRR at every horizon, trailing the category average by roughly 2-5 percentage points (e.g., 12.45% vs 17.43% over 3Y). Its consistency is better judged versus its benchmark, where it beat the NIFTY50 Value 20 meaningfully over 1Y to 7Y periods. The fading alpha over 10Y and 15Y suggests its outperformance is concentrated in the recent 3-7 year window.
This fund suits patient investors with a 5-7 year or longer horizon who believe in value investing and can tolerate extended drawdown periods, as evidenced by the 798-day maximum drawdown duration. Its low beta and strong downside capture make it appropriate for investors seeking lower-volatility equity exposure. Those seeking category-leading SIP returns may find better options among value fund peers.
- Strong alpha versus the NIFTY50 Value 20 benchmark, including 9.48% alpha over 3Y and 6.28% over 5Y
- Consistently low downside capture (70-76%) across all periods, cushioning losses in falling markets
- Low beta of 0.76-0.87, offering a defensive equity profile with lower volatility than the benchmark
- SIP XIRR trails the category average at every horizon, with a 5 percentage point gap over 3Y (12.45% vs 17.43%)
- Alpha nearly disappears over the long term, with 10Y Fund CAGR of 11.67% slightly below the benchmark's 12.13%
- Prolonged drawdowns, including a 798-day maximum drawdown duration with 7 drawdown events exceeding 10%
Generated on 06-09-2026, 7:52 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 | ₹12.66 L | 14.9% | -55.1% | 82.4% |
| 3 Years | ₹36.00 L | ₹44.70 L | 12.4% | -26.7% | 31.8% |
| 5 Years | ₹60.00 L | ₹85.52 L | 15.0% | -1.3% | 26.4% |
| 7 Years | ₹84.00 L | ₹1.47 Cr | 15.2% | 8.7% | 20.7% |
| 10 Years | ₹1.20 Cr | ₹2.42 Cr | 13.6% | 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 | 14.9% | 15.1% | 17.7% | -0.2% |
| 3 Years | 12.4% | 13.0% | 17.4% | -0.6% |
| 5 Years | 15.0% | 13.6% | 16.7% | +1.4% |
| 7 Years | 15.2% | 13.3% | 16.1% | +1.9% |
| 10 Years | 13.6% | 13.6% | 16.6% | -0.1% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 14.1% | 9.6% | -32.1% | 86.2% | 0.38 | 0.93 | 78% | — | — |
| 3 Years | 12.3% | 15.3% | -13.1% | 30.4% | 0.67 | 1.40 | 89% | — | — |
| 5 Years | 13.2% | 12.2% | 2.8% | 27.4% | 1.16 | 12.03 | 100% | — | — |
| 10 Years | 12.4% | 12.4% | 11.6% | 14.0% | 12.58 | — | 100% | — | — |
Calmar Ratio by Duration
Compared against NIFTY50 VALUE 20
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +7.49 | 0.87 | 83.5% | 72.0% | 3.5% | -5.5% |
| 3 Years | +9.48 | 0.86 | 89.3% | 76.3% | 15.6% | 6.0% |
| 5 Years | +6.28 | 0.81 | 82.8% | 74.0% | 12.9% | 6.7% |
| 7 Years | +4.85 | 0.81 | 80.3% | 73.4% | 16.2% | 12.5% |
| 10 Years | +0.79 | 0.78 | 76.0% | 72.7% | 11.7% | 12.1% |
| 12 Years | +0.82 | 0.76 | 74.1% | 70.4% | 10.6% | 10.8% |
| 15 Years | +0.32 | 0.76 | 74.1% | 70.4% | 8.4% | 8.6% |