Shriram Aggressive Hybrid Fund Direct Growth Review 2026: NAV, Returns, Portfolio & Should You Invest?
- September 11, 2026
- Posted by: Chaitanya Auti
- Category: Mutual Funds
Shriram Aggressive Hybrid Fund Direct Growth Plan had a NAV of ₹36.8167 as of 10 Sep 2026 and an AUM of ₹51 Cr. Its 1-year, 3-year and 5-year returns are 2.64%, 9.2% and 8.09% respectively, and the scheme sits in the High Risk bucket.
Our view is that this is a fund for investors who can tolerate sharper swings in pursuit of hybrid-style equity participation. The long-term return profile is steadier than the recent 1-year number, while the portfolio leans meaningfully into certificates of deposit, government securities and large banks, which may help support stability but does not remove equity-market risk.
Quick facts
| Particular | Details |
|---|---|
| NAV | ₹36.8167 as of 10 Sep 2026 |
| AUM | ₹51 Cr |
| Expense Ratio | 0.85% |
| Launch Date | 29 Nov 2013 |
| Min SIP | ₹500 |
| Risk Category | High Risk |
| Benchmark | Nifty 50 |
| Fund Category | Hybrid |
| Exit Load | NIL for 12% of units and 1% for remaining units on or before 90D, Nil after 90D |
| Fund Managers | Prateek Nigudkar, Hitesh Savanth, Amit Modani, Sudip More |
The fund is managed by Prateek Nigudkar, Hitesh Savanth, Amit Modani and Sudip More.
Source data date: as of 10 Sep 2026
Performance
| Period | Fund return | Benchmark return |
|---|---|---|
| 1M | -2.42% | -4.06% |
| 3M | 3.18% | 1.37% |
| 1Y | 2.64% | -7.31% |
| 3Y | 9.2% | 6.07% |
| 5Y | 8.09% | 5.91% |
The recent picture is mixed but not weak. Over 1 month, the fund fell less than the benchmark, and over 3 months it held up better than the benchmark as well. That tells us the fund has been relatively resilient in the latest stretch, even though the 1-year return remains modest in absolute terms.
The longer view is more constructive. The 3-year and 5-year numbers are both ahead of the benchmark, which suggests the strategy has added value across a full market cycle rather than only in a brief rebound. The gap is not dramatic, but it is consistent enough to matter for an investor comparing hybrid options.
What stands out is the contrast between the recent 1-year result and the longer-term profile. The time pattern suggests a fund that can recover and compound over time, but not one that has delivered smooth gains every year. For investors, that usually means patience matters more than short-term timing.
On balance, the fund has stayed ahead of the benchmark over 3 years and 5 years, while its latest month and 1-year path show some unevenness. Our view is that the medium-term record is stronger than the very recent one, which is a useful sign for long-horizon investors, but not a reason to expect a straight line from here.
Source data date: as of 10 Sep 2026
Should you BUY or HOLD Shriram Aggressive Hybrid?
A fund’s past returns alone don’t tell you whether you should buy it today or continue holding it.
The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.
Already holding Shriram Aggressive Hybrid? Thinking of investing now?
Peer comparison
| Fund | 1Y return | 3Y return | 5Y return |
|---|---|---|---|
| Shriram Aggressive Hybrid Fund Direct Growth Plan | 2.64% | 9.2% | 8.09% |
| Bank of India Aggressive Hybrid Fund Direct Growth Plan | 15.71% | 17.16% | 14.99% |
| HSBC Multi Asset Active FOF Direct Growth Plan | 15.45% | 15.43% | 12.38% |
| Quant Aggressive Hybrid Fund Direct Growth Plan | 10.68% | 12.75% | 13.04% |
| Navi Aggressive Hybrid Fund Direct Growth Plan | 9.83% | 11.99% | 11.51% |
| HSBC Aggressive Hybrid Active FOF Direct Growth Plan | 9.12% | 12.58% | 11.02% |
This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639. The current fund trails the strongest peer 1-year numbers by a wide margin, so its recent performance is clearly softer than the best recent peers. The same gap also appears over 3 years and 5 years, where the peer figures shown here are mostly above Shriram’s returns. The short-term and longer-term comparisons point in the same direction: the fund has been steadier than its own benchmark at times, but it has not matched the stronger peer return profiles in this set.
Source data date: as of 10 Sep 2026
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Portfolio: where your money goes
| Holding | Sector | Weight |
|---|---|---|
| Bank of Baroda CD Red 12-02-27 ** # | Certificate of Deposit | 6.61% |
| 6.54% Govt of India Red 17-01-2032 | Government Securities | 5.86% |
| Union Bank of India CD Red 22-02-2027 ** # | Certificate of Deposit | 5.65% |
| 8.54% REC Ltd NCD Red 15-11-28 ** | Corporate Debt | 5.3% |
| ICICI Bank Ltd. | Bank | 4.17% |
| HDFC Bank Ltd. | Bank | 4.13% |
| Axis Bank Ltd. | Bank | 3.78% |
| Reliance Industries Ltd. | Crude Oil | 3.5% |
| Bharti Airtel Ltd. | Telecom | 3.08% |
| Treps_Red_01.09.2026 | Cash & Cash Equivalents and Net Assets | 2.92% |
The largest disclosed holding is Bank of Baroda CD Red 12-02-27 ** # at 6.61%, which is meaningful but not extreme on its own. The tenth holding sits at 2.92%, so the weight drops off gradually rather than collapsing after a single position. That shape points to a portfolio where a handful of positions are important, but no single line dominates the visible basket.
The top 10 holdings together account for approximately 45% of the portfolio, while the scheme discloses 56 holdings in total. That combination suggests the fund may spread risk across a reasonably long tail, even though the leading positions still carry noticeable influence. The visible list also shows a mix of certificates of deposit, government securities, corporate debt and banks, so the portfolio may be positioned with a balance of credit exposure and equity-linked names rather than a pure stock-only structure.
Because the disclosed holdings cover less than half the portfolio, the tail beyond the top 10 could also matter in day-to-day movement. For investors, that means the fund may not behave like a narrowly concentrated hybrid scheme; instead, the large positions can steer returns, but the wider book likely has a role in shaping overall stability and drawdowns.
To see all holdings, visit the Shriram Aggressive Hybrid Fund Direct Growth Plan page
Source data date: as of 10 Sep 2026
Who should invest
This fund suits investors who can tolerate High Risk and stay invested long enough for the longer-term pattern to matter. The 1-year return is modest, but the 3-year and 5-year figures are better than the benchmark, which points to a strategy that may reward patience more than short holding periods.
It can appeal to someone looking for an aggressive hybrid allocation with a meaningful mix of debt-style holdings and listed equities in the visible portfolio. The trade-off is clear: the recent path has been uneven, and the fund has not matched the stronger peer return set shown here, so investors need to accept variability in exchange for the possibility of medium-term compounding.
Tax and exit load
| Holding period | Tax rate | Description |
|---|---|---|
| Units held less than 1 year | 20% | Short-term capital gains tax |
| Units held more than 1 year | 12.5% | Long-term capital gains tax |
Exit load
- NIL for 12% of units and 1% for remaining units on or before 90D, Nil after 90D
Source data date: as of 10 Sep 2026
Frequently asked questions
What is the current NAV of Shriram Aggressive Hybrid Fund Direct Growth Plan?
The current NAV is ₹36.8167 as of 10 Sep 2026.
What are the fund’s 1-year, 3-year and 5-year returns?
Its 1-year return is 2.64%, its 3-year return is 9.2%, and its 5-year return is 8.09%.
How does it compare with the benchmark?
The fund is ahead of the Nifty 50 over 3 years and 5 years, while the benchmark has been weaker over the 1-year period shown here.
How does it compare with peer funds on available return data?
The fund’s return figures are below the stronger peer numbers shown in the comparison table across 1-year, 3-year and 5-year periods.
Is there a minimum SIP amount?
Yes. The minimum SIP amount is ₹500.
Who manages the fund and what is the exit load?
The fund is managed by Prateek Nigudkar, Hitesh Savanth, Amit Modani and Sudip More. The exit load is NIL for 12% of units and 1% for remaining units on or before 90D, and nil after 90D.
Bottom line
Shriram Aggressive Hybrid Fund Direct Growth Plan has a mixed recent record but a better medium-term shape, with 3-year and 5-year returns ahead of the benchmark even though the latest 1-year return is modest. It lags the stronger peer return figures shown here, so the return story is less compelling than the best alternatives in this set. The portfolio has a noticeable tilt toward certificates of deposit, government securities and large banks, which may help diversify the risk profile, but the scheme still sits in the High Risk bucket and can behave unevenly.
Published on 11 September 2026 at 12:52 PM IST
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RIA disclosure
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.