Samco Large Cap Fund
Direct · GrowthAI Summary
The Samco Large Cap Fund has delivered a 1-year XIRR of -6.86%, significantly underperforming the category average of 14.08% and the NIFTY 50 benchmark CAGR of -2.9% over the same period. Over longer horizons, the fund's CAGR remains negative across all periods (e.g., -2.35% over 3 years vs. benchmark 1.4%), indicating persistent underperformance. The fund has generated negative alpha of -7.54% over 1 year and -4.02% over 15 years, reflecting a consistent inability to beat the benchmark.
The fund exhibits a maximum drawdown of -0.126% with a duration of 251 days and has not yet recovered from this drawdown, indicating prolonged downside risk. The Calmar ratio over 1 year is -0.52, reflecting poor risk-adjusted returns as the fund's negative return is not compensated by the drawdown. With a beta of 0.51, the fund is less volatile than the benchmark, but its downside capture of 63.38% is higher than its upside capture of 57.29%, meaning it loses more in down markets than it gains in up markets.
The fund holds 27 stocks with a top-10 concentration of 38.08% of NAV, led by Eicher Motors (4.81%), Hindalco (4.35%), and TVS Motor (4.28%). Sector-wise, Banks (13.2%), Automobiles (9.1%), and Non-Ferrous Metals (7.5%) dominate, indicating a tilt towards cyclical and auto-related sectors. The portfolio is relatively concentrated in a few sectors, which may increase sector-specific risk, but the total holding count of 27 provides some diversification across industries.
The fund's 1-year XIRR of -6.86% is drastically below the category average of 14.08%, placing it in the bottom quartile of large-cap funds. Over 3, 5, 7, 10, 12, and 15 years, the fund's CAGR is negative while the category averages remain around 14%, indicating consistent underperformance across all time frames. The fund has not shown any year of positive returns in the available data (2025: -4.6%, 2026: -3.86%), suggesting a lack of consistency in delivering positive outcomes for investors.
This fund is suitable only for investors with a very high risk tolerance and a long-term horizon (10+ years) who are willing to accept prolonged periods of negative returns. It is not appropriate for investors seeking steady returns or those with a shorter investment horizon, as the fund has underperformed its benchmark and category peers across all periods. Investors should consider this fund only if they have a strong conviction in the fund's strategy and can withstand significant drawdowns without panic selling.
- Low expense ratio of 0.74% compared to category averages, which helps reduce cost drag.
- Lower beta (0.51) than the benchmark, indicating lower market volatility exposure.
- Diversified across 27 holdings with no single stock exceeding 5% of NAV, reducing single-stock risk.
- Persistent negative alpha across all time periods, ranging from -4.02% to -7.54%, indicating consistent underperformance vs. the NIFTY 50.
- Negative returns in all available calendar years (2025 and 2026) and a 1-year XIRR of -6.86% vs. category average of 14.08%, showing severe underperformance.
- High downside capture (63.38%) relative to upside capture (55.29%), meaning the fund loses more in down markets than it gains in up markets, leading to poor risk-adjusted returns.
Generated on 29-08-2026, 2:49 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 | ₹11.65 L | -6.9% | -15.6% | 1.6% |
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 | -6.9% | 14.4% | 14.1% | -21.3% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | -6.6% | -6.2% | -10.6% | -2.7% | -6.55 | -0.99 | 0% | — | — |
Calmar Ratio by Duration
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | -7.54 | 0.51 | 57.3% | 63.4% | -5.8% | -2.9% |
| 3 Years | -6.44 | 0.47 | 55.3% | 64.4% | -2.4% | 1.4% |
| 5 Years | -5.23 | 0.47 | 55.3% | 64.4% | -1.4% | 0.8% |
| 7 Years | -4.72 | 0.47 | 55.3% | 64.4% | -1.0% | 0.6% |
| 10 Years | -4.33 | 0.47 | 55.3% | 64.4% | -0.7% | 0.4% |
| 12 Years | -4.18 | 0.47 | 55.3% | 64.4% | -0.6% | 0.3% |
| 15 Years | -4.02 | 0.47 | 55.3% | 64.4% | -0.5% | 0.3% |
| # | Stock | % of NAV |
|---|---|---|
| 1 | Eicher Motors Limited | 4.81% |
| 2 | Hindalco Industries Limited | 4.35% |
| 3 | TVS Motor Company Limited | 4.28% |
| 4 | Vedanta Limited | 4.07% |
| 5 | Titan Company Limited | 3.58% |
| 6 | Torrent Pharmaceuticals Limited | 3.58% |
| 7 | SBI Life Insurance Company Limited | 3.52% |
| 8 | Samvardhana Motherson International Limited | 3.42% |
| 9 | Shriram Finance Limited | 3.34% |
| 10 | Hindustan Zinc Limited | 3.13% |