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JM Ultra Short to Short Term Fund - Direct Plan - Growth

NAVs of 8 Nov 2026

JM Financial Mutual Fund · Debt fund · Direct plan · Growth

Ultra Short DurationDirect · GrowthRisk: Low to Moderate
NAV · 6 Nov 2026
₹41.3119 ▲ 0.02%
JM Financial Mutual Fund
Fund size₹223 crJuly - September 2026
1-month range₹41.16 – 41.31
1 year+5.89%rank 28 of 39
Expense ratio0.41%direct plan, a year
5 years+6.55%a year

What the fund does

To generate stable long term returns with low risk strategy and capital appreciation/accretion besides preservation of capital through investments in Debt & Money Market instruments such that the Macaulay duration of the portfolio is between 6 months - 12 months,Investors are required to read all the scheme related information set out in the offer documents carefully and also note that there can be no assurance that the investment objectives of the scheme will be realized. The scheme does not guarantee/ indicate any returns.

BenchmarkCRISIL Low Duration Debt A-I Index
Launched27 Sept 2006
Fund houseJM Financial Mutual Fund
Fund managersKillol Pandyasince 5 Nov 2024Ruchi Fozdarsince 3 Apr 2024Jayant Dhootsince 1 Aug 2025

NAV history

414141 2026-08-112026-08-242026-09-072026-09-212026-10-052026-10-162026-10-30

Returns

1 week
+0.24%avg 0.2%
1 month
+0.32%avg 0.4%
3 months
+1.19%avg 1.1%
6 months
+3.02%avg 3.0%
This year
+5.02%avg 4.9%
1 year
+5.89%avg 5.8% · #28/39
3 years (a year)
+7.19%avg 7.1% · #19/34
5 years (a year)
+6.55%avg 6.5% · #21/32

Bars: this plan; the thin mark is the Ultra Short Duration average (direct plans, growth option). Over a year: yearly averages (CAGR). Past returns do not guarantee future returns. Information only, not investment advice.

Monthly returns (%)

YearJanFebMarAprMayJunJulAugSepOctNovDec
2024+0.5
2025+0.7+0.6+0.8+0.9+0.8+0.5+0.6+0.5+0.5+0.7+0.5+0.4
2026+0.2+0.6+0.2+0.6+0.2+1.2+0.4+0.5+0.5+0.2+0.2

Each month's change in NAV (the current month to the latest NAV).

What if you had invested?

Worked out from this plan's actual NAVs. SIP: invested on the first NAV of each month. Taxes and exit loads are not included. Past returns do not guarantee future returns. Information only, not investment advice.

Portfolio as on 30 Sept 2026

Holdings3436 lines in all
Top 10 holdings51.0%of the fund
Debt55.8%bonds, government securities
Money market40.9%CDs, CPs, treasury bills

Where the money is

Equity 0.3%Debt 55.8%Money market 40.9%Cash & others 3.0%

Credit quality (debt and money market)

A1+
34.7%
AAA
33.6%
AA+
16.9%
Sovereign
6.2%
AA
5.3%

Changes since 31 Aug 2026

Share of fund30 Sept 202631 Aug 2026Change
Debt55.8%56.3%-0.57
Money market40.9%40.9%+0.04
Cash & others3.0%2.4%+0.56

Change is in percentage points. Bought more and cut back list stocks whose share of the fund moved by at least 0.25 points. A share can also move because the price changed, not only because the fund traded.

Stocks held 1

HoldingSector / type% of fund
Corporate Debt Market Development Fund - Class A2 Units
INF0RQ622028		–0.31%

Bonds, money market and cash 35

HoldingSector / type% of fund
Canara Bank 29-JAN-2027**#
INE476A16G36		CRISIL A1+8.29%
Indian Bank 05-FEB-2027**#
INE562A16QI8		CRISIL A1+7.45%
Punjab National Bank 04-MAR-2027**#
INE160A16UM5		CARE A1+7.00%
Union Bank of India 16-MAR-2027#
INE692A16LS3		ICRA A1+6.99%
7.23% Power Finance Corporation Limited 05-JAN-2027**
INE134E08IO0		CRISIL AAA4.66%
8.75% Piramal Finance Ltd 29-OCT-2027**
INE202B07JW4		ICRA AA+4.24%
8.4% Godrej Industries Ltd 27-AUG-2027**
INE233A08113		CRISIL AA+4.24%
9.61% 360 ONE Prime Limited 18-JAN-2027**
INE248U07EW8		CARE AA3.16%
HDFC Bank Limited 05-MAR-2027#
INE040A16IU7		CRISIL A1+2.88%
Net Receivable/Payable–2.42%
7.54% REC Limited 30-DEC-2026**
INE020B08AC9		CARE AAA2.12%
7.79% SIDBI 14-MAY-2027
INE556F08KM1		CARE AAA2.12%
8.4% Cholamandalam Invest & Finance Co Ltd 09-AUG-2028**
INE121A07RE9		CARE AA+2.12%
7.95% LIC Housing Finance Limited 29-JAN-2028**
INE115A07MW4		CRISIL AAA2.12%
7.83% SIDBI 24-NOV-2028**
INE556F08KL3		CRISIL AAA2.12%
8.35% Tata Projects Ltd. 22-JUL-2027**
INE725H08204		CRISIL AA2.11%
7.74% LIC Housing Finance Limited 11-FEB-2028**
INE115A07QW5		CRISIL AAA2.11%
6.65% LIC Housing Finance Limited 15-FEB-2027**
INE115A07PR7		CARE AAA2.11%
8.6% Muthoot Finance Limited 02-MAR-2028**
INE414G07JM5		CRISIL AA+2.11%
7.9% Mahindra & Mahindra Financial Serv Ltd. 21-FEB-2028**
INE774D07VO0		CARE AAA2.11%
7.53% NABARD 24-MAR-2028
INE261F08EM1		ICRA AAA2.11%
7.44% NABARD 24-FEB-2028
INE261F08EK5		CRISIL AAA2.11%
8.1% Godrej Industries Ltd 22-MAY-2028**
INE233A08154		CRISIL AA+2.11%
8.05% Muthoot Finance Limited 25-NOV-2027
INE414G07JQ6		CRISIL AA+2.10%
364 Days Treasury Bill 17-Dec-2026
IN002025Z385		SOVEREIGN2.09%
182 Days Treasury Bill 21-Jan-2027
IN002026Y162		SOVEREIGN2.08%
7.04% SIDBI 09-FEB-2029**
INE556F08LB2		CRISIL AAA2.08%
Tata Housing Development Company Ltd. 15-JAN-2027**
INE582L14JH5		CARE A1+2.08%
364 Days Treasury Bill 19-Mar-2027
IN002025Z500		SOVEREIGN2.06%
7.85% Power Finance Corporation Limited 03-APR-2028**
INE134E08JP5		ICRA AAA1.70%
7.7% NABARD 30-SEP-2027
INE261F08EI9		ICRA AAA1.70%
7.25% Bajaj Housing Finance Ltd 22-JAN-2029**
INE377Y07623		CRISIL AAA1.66%
7.7% LIC Housing Finance Limited 16-MAY-2028**
INE115A07QJ2		CARE AAA1.48%
7.33% Indian Railway Finance Corporation Ltd 27-AUG-2027**
INE053F07AC3		CRISIL AAA1.27%
The Clearing Corporation of India Ltd. 01-OCT-2026–0.57%

From the fund house's monthly portfolio (jmfinancialmf.com), as on 30 Sept 2026. Percentages are of the fund's net assets. Published about ten days after each month ends.

Risk

Volatility0.6%yearly, from daily NAVs
Worst fall-14.87%30 Apr 2019 → 31 Oct 2019
RiskometerLow to ModerateLow to Moderate

Volatility: how much the NAV moves, as a yearly figure (higher = bumpier). Worst fall: the biggest drop from a high, in the NAV history we hold (from 31 May 2018).

Fund details

Fund size (average AUM, July - September 2026)₹223 cr across all plans · this plan ₹104 cr
Fund houseJM Financial Mutual Fund
CategoryDebt · Ultra Short Duration
PlanDirect
OptionGrowth
Expense ratio (TER)Direct 0.41% · Regular 0.84% (5 Nov 2026)
Minimum investment₹1,000 · additional ₹100
Scheme code (AMFI)143612
ISININF192K01DW3
NAV date6 Nov 2026

Scheme details from the fund's scheme summary document filed with AMFI; expense ratios from AMFI's daily filings.

Other plans of this fund

PlanNAV1 year
Direct · IDCW₹10.85000.00%
Direct · IDCW₹11.1356+0.10%
Direct · IDCW₹24.8738+5.89%
Direct · IDCW₹11.4661+0.10%
Regular · Growth₹39.9574+5.38%
Regular · IDCW₹10.82000.00%
Regular · IDCW₹11.0952+0.10%
Regular · IDCW₹11.4257+0.10%
Regular · IDCW₹24.0734+5.38%

Top Ultra Short Duration funds (direct plans)

Fund1 year3 years (a year)
HSBC Ultra Short to Short Term Fund+6.00%+7.76%
Nippon India Ultra Short Term Fund+6.87%+7.55%
Aditya Birla Sun Life Ultra Short Term Fund+6.44%+7.45%
Nippon India Ultra Short to Short Term Fund+6.13%+7.41%
Kotak Ultra Short to Short Term Fund+5.85%+7.39%
ICICI Prudential Ultra Short to Short Term Fund+6.04%+7.38%
Mahindra Manulife Ultra Short to Short Term Fund+6.08%+7.38%
ICICI Prudential Ultra Short term Fund+6.46%+7.36%
JM Ultra Short to Short Term Fund+5.89%+7.19%

All Ultra Short Duration funds ranked › · Compare with others ›

← All mutual funds

Information only, not investment advice.

What is the NAV of JM Ultra Short to Short Term Fund - Direct Plan - Growth today?

₹41.3119 as of 6 Nov 2026, from AMFI's official NAV data.

What are the returns of JM Ultra Short to Short Term Fund - Direct Plan - Growth?

1 year: 5.89%, 3 years: 7.19% a year, 5 years: 6.55% a year

How does JM Ultra Short to Short Term Fund rank in its category?

28 of 39 Ultra Short Duration funds (direct plans, growth option) by 1-year return.

What is the difference between direct and regular plans?

Both invest in the same portfolio. Direct plans are bought straight from the fund house and pay no distributor commission, so their expenses are lower and their NAV grows slightly faster.