Anubhab Swain, Developer

Mutual Funds 101

Charts

Ugh, it’s another mind-numbingly boring Sunday afternoon. The sun’s doing that whole “I’m too lazy to move” thing, and I’ve officially reached the end of the internet. Twice. So here I am, sprawled on my couch, contemplating the lint in my navel and thinking, “You know what would really spice up this snoozefest? Mutual Funds!” Why? Because nothing says “I’ve hit rock bottom of boredom” quite like dissecting a mutual fund for fun.

Act 1: The Basic Buffet (AKA The Tinder Profile)

  • Fund Type : Multi-cap (It’s the polymath of funds - jack of all trades, master of… well, let’s find out)

  • Inception Date : September 11, 2009 (Old enough to have survived the 2008 crisis hangover)

  • AUM : ₹29,500 Crore (That’s like 2.95 billion vada pavs, but who’s counting?)

  • Benchmark : Nifty 200 Total Return Index (Its nemesis in the financial gladiator arena)

  • Expense Ratio : 0.73% (Direct), 1.69% (Regular) (Choose Direct, unless you enjoy paying for other people’s BMWs)

Pro Tip: Don’t obsess over individual stocks in the portfolio. That’s like trying to guess the secret ingredient in your grandma’s biryani - pointless and potentially disappointing.

Act 2: The Number Ninja (Where Math Becomes Your Best Friend)

Standard Deviation (The Drama Queen Metric):

  • 3-year : 20.58% (Fund) vs 21.38% (Category)
  • 5-year : 18.39% (Fund) vs 19.12% (Category)
  • 10-year : 17.42% (Fund) vs 18.4% (Category)

What’s this mean? Dhanlaxmi is less dramatic than its peers. It’s the cool cucumber in a category of hot peppers.

Sharpe Ratio (The Risk-Adjusted Return Rockstar):

Ignore the negative 3-year Sharpe. It’s having an identity crisis. Focus on 5 and 10-year ratios:

  • 5-year : 0.71 (Fund) vs 0.62 (Category)
  • 10-year : 0.68 (Fund) vs 0.59 (Category)

Translation: Dhanlaxmi is giving you more bang for your buck and risk tolerance.

Alpha (The Overachiever’s Score):

  • 3-year : -0.88 (Ouch, temporary identity crisis?)
  • 5-year : 2.65 (That’s more like it!)
  • 10-year : 3.14 (Pi-level perfection)

Beta (The Market Mood Mimic):

  • 3-year : 0.96
  • 5-year : 0.95
  • 10-year : 0.93

Dhanlaxmi is like that friend who’s always chill - it follows the market’s mood but doesn’t go overboard.

Act 3: Rolling Returns (The Real MVP)

3-Year Rolling Returns:

  • Fund Average : 15.2% | Min : -5.19% | Max : 31.2%
  • Benchmark Average : 9.87% | Min : -6.97% | Max : 23.53%

Dhanlaxmi’s flexing harder than a gym bro on Instagram.

5-Year Rolling Returns:

  • Fund Average : 16.51% | Min : 1.18% | Max : 25.84%
  • Benchmark Average : 10.46% | Min : -2.28% | Max : 19.2%

Still crushing it, but the gap’s narrowing. Is Dhanlaxmi losing its protein shake?

10-Year Rolling Returns:

  • Fund Average : 12.07% | Min : 8.59% | Max : 14.56%
  • Benchmark Average : 7.48% | Min : 3.79% | Max : 9.67%

Long-term relationship goals right here. Dhanlaxmi’s commitment issues? Non-existent.

Act 4: Risk-Reward Matrix (The Tinder-to-Instagram Pipeline)

5-Year Matrix:

  • Dhanlaxmi : 17% risk for 13% return
  • Benchmark : 19% risk for 10% return
  • Category : 19% risk for 9% return

Dhanlaxmi’s like that straight-A student who also throws the best parties. How?!

10-Year Matrix:

  • Dhanlaxmi : 16% risk for 14% return
  • Benchmark : 18% risk for 12% return
  • Category : 18% risk for 12% return

Dhanlaxmi’s playing 4D chess while others are playing tic-tac-toe.

Act 5: Capture Ratios (The Offensive-Defensive Playbook)

5-Year Capture:

  • Upside Capture : 110% (Catching gains like Pokemon)
  • Downside Capture : 90% (Dodging losses like Neo in The Matrix)

10-Year Capture:

  • Upside Capture : 112% (Still got game after all these years)
  • Downside Capture : 87% (The art of deflection, mastered)

The Verdict:

Dhanlaxmi Growth Fund is serving looks, brains, and financial finesse. It’s consistently outperforming its benchmark, managing risk like a zen master, and showing long-term potential that would make Warren Buffett proud.

Remember, folks, these numbers are like your horoscope - interesting to look at, but don’t base your entire life on them. Past performance doesn’t guarantee future results, just like your past relationships don’t guarantee future ones (thank goodness).

Until next time, stay financially literate! And remember, the only bad question in finance is “Can I pay my rent in dogecoin?” (Spoiler: Your landlord is not as cool as you think.)