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JM Low Duration Fund - NAV, Returns, Investment Strategy | Allvest

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Invest in JM Low Duration Fund through Allvest. Low-risk debt fund with Macaulay duration of 6-12 months, suitable for short-term investments. Check latest NAV, returns, and performance.

Investment Objective and Approach

The JM Low Duration Fund seeks to generate stable long-term returns with a low-risk strategy and capital appreciation/accretion besides preservation of capital through investments in debt and money market instruments such that the Macaulay duration of the portfolio is between 6 months - 12 months.

Low Duration Funds maintain a portfolio of high-rated debt and money market instruments. Since the portfolio has a Macaulay duration of around 6 to 12 months, these funds try to achieve a balance of safety, liquidity and yield. The fund follows a conservative investment approach focused on:

- Duration Management: Maintains portfolio duration between 6-12 months to minimize interest rate risk

- Credit Quality Focus: Invests primarily in high-rated debt securities

- Capital Preservation: Emphasizes protecting investor capital while generating reasonable returns

- Liquidity Management: Ensures adequate liquidity for redemption requirements

As of 31-Dec-2024, JM Low Duration Fund - Direct Plan had invested 95.43% in Debt and 4.57% in Cash & Cash Eq.

Fund Managers

The JM Low Duration Fund is managed by a team of experienced professionals:

- Killol Pandya: B.Com (H) from N.M College of Commerce, DPCM from ICFAI and MMS (Finance) from K.J. Somaiya Institute of Management Studies and Research.

- Naghma Khoja: Experienced fund manager specializing in debt markets

- Ruchi Fozdar: Graduate in science and PGDBM in finance with extensive experience in debt fund management

Prior to joining JM Financial Asset Management Limited, Killol Pandya has worked with Barclays Securities India Private Ltd, Peerless Funds Management Co. Limited, LIC Nomura Mutual Fund AMC, Daiwa Asset Management (India) Pvt. Ltd., SBI Funds Management Pvt Ltd., IL&FS Investsmart Ltd. and Darashaw & Co. Pvt. Ltd.

About the Fund House (AMC)

JM Financial Asset Management Limited is the asset management company of JM Low Duration Fund. JM Financial was founded in 1973 by Mahendra Kampani and Nimesh Kampani as a spin-off from Jamnadas Morarjee Securities' investment banking arm and was originally set up as a consultancy practice. In 1986, it was incorporated as a private limited company to engage in the business of Stock-broking.

Key Milestones:

- 1973: Founded as a consultancy practice

- 1986: Incorporated as stock-broking company

- JM Financial Mutual Fund was established on June 09, 1994 as a Trust sponsored by JM Financial Limited. It was in September 1994 when JM Financial Asset Management Limited, got a green signal from SEBI to commence its mutual fund business and operations as JM Financial Mutual Fund.

- 1997: Joint venture with Morgan Stanley

- 2001: Became zero debt organization

The group expanded into different businesses outside Stock-broking which include Asset management in 1994, Private equity in 2006, Real estate investment in 2007, Distressed Credit in 2008 and Mortgage lending in 2017.

Business Philosophy:

At JM Financial, their foundation is built on the principles of stability, performance and trust. With a legacy spanning over five decades, they have consistently delivered exceptional results and provided trusted expertise to their clients. Their solid track record is a testament to their unwavering commitment to excellence and their ability to navigate the complexities of the financial landscape.

Should I Invest in JM Low Duration Fund?

JM Low Duration Fund may be suitable for investors who:

Ideal For:

- Seek stable returns with minimal risk

- Have short-term investment horizon (6 months to 2 years)

- Want better returns than savings accounts or fixed deposits

- Prefer low volatility in their debt portfolio

- Need liquidity for emergency funds

Key Considerations:

- On the risk scale of Low, Moderately Low, Moderate, Moderately High, High and Very High, the risk-o-meter of JM Low Duration Fund is Moderately Low.

- The risk of incurring a loss in these funds is negligible but they do not guarantee returns or safety of capital. Retail investors can avoid these funds altogether.

- Suitable for conservative investors seeking capital preservation

- Better suited for short-term surplus funds rather than long-term wealth creation

Investment Parameters:

- Minimum SIP amount is ₹100 and Lumpsum is ₹1,000

- No lock-in period

- Expense ratio of 0.34%-0.35%

FAQs

What is today's NAV of JM Low Duration Fund?

The NAV of JM Low Duration Fund as of Jul 08 2025, is ₹38.2373. NAV is updated daily and changes based on the underlying portfolio performance.

What is the AUM of JM Low Duration Fund?

The AUM of JM Low Duration Fund is ₹232.37 crore. AUM reflects the total assets under management and indicates the fund's size and investor confidence.

What is the expense ratio of JM Low Duration Fund?

The expense ratio of JM Low Duration Fund is 0.34%. This represents the annual fee charged for fund management and administrative expenses.

What are the returns of JM Low Duration Fund since inception?

The fund has delivered a CAGR of 7.05% since inception. The JM Low Duration Fund was launched on Jan 01 2013, providing over 12 years of track record.

What is the minimum SIP amount to invest in JM Low Duration Fund?

The minimum SIP for JM Low Duration Fund is ₹100. This low minimum makes it accessible for small investors to start systematic investing.

How do I invest in JM Low Duration Fund?

You can invest in JM Low Duration Fund through Allvest's platform by creating an account, completing KYC, selecting the fund, and choosing between SIP or lump sum investment options.

How to start a SIP in JM Low Duration Fund?

To start a SIP through Allvest, log in to your account, select JM Low Duration Fund, choose SIP option, set investment amount and frequency, and complete the payment setup.

How do I automate an SIP in JM Low Duration Fund?

After creating your SIP through Allvest, set up autopay through your bank to automatically debit the SIP amount on chosen dates, ensuring seamless monthly investments.

How can I withdraw/redeem my investment in JM Low Duration Fund?

You can redeem your investment through Allvest's platform by selecting the fund, entering withdrawal amount, and submitting the redemption request. Funds typically credit within 3 working days.