Navi Aggressive Hybrid Fund Direct Growth Review 2026: NAV, Returns, Portfolio & Should You Invest?
- September 15, 2026
- Posted by: Chaitanya Auti
- Category: Mutual Funds
Navi Aggressive Hybrid Fund Direct Growth Plan currently has a NAV of ₹25.8123 as of 11 Sep 2026 and a scheme AUM of ₹118 Cr. Its 1-year, 3-year and 5-year returns are 9.65%, 11.84% and 11.49%, and the fund is tagged as High Risk.
Our view is that this is a hybrid fund for investors who can stay with equity-led volatility while still valuing some balance from the hybrid structure. The longer-term return pattern is steadier than the benchmark, but the last 1-year stretch has been more muted than the 3-year average, so patience matters more than short-term timing.
Quick facts
| Particular | Details |
|---|---|
| NAV | ₹25.8123 as of 11 Sep 2026 |
| AUM | ₹118 Cr |
| Expense Ratio | 0.55% |
| Launch Date | 30 Apr 2018 |
| Min SIP | ₹100 |
| Risk Category | High Risk |
| Benchmark | Nifty 50 |
| Fund Category | Hybrid |
| Exit Load | No exit load |
| Fund Managers | Ashutosh Shirwaikar, Tanmay Sethi |
The fund is managed by Ashutosh Shirwaikar and Tanmay Sethi.
Source data date: as of 11 Sep 2026
Performance
| Period | Fund return | Benchmark return |
|---|---|---|
| 1M | -0.77% | -3.66% |
| 3M | 4.87% | -1.91% |
| 1Y | 9.65% | -7.62% |
| 3Y | 11.84% | 6.22% |
| 5Y | 11.49% | 5.84% |
The fund has held up better than its benchmark across every period shown, and the gap is especially visible in the 1-year figure. That matters because the benchmark posted a negative 1-year return while the fund stayed positive, which suggests the hybrid structure has helped soften the last phase of market weakness.
The shorter windows also point to a less choppy recent path than the benchmark. The 1-month return is slightly negative, but it is still much better than the benchmark’s weaker decline, while the 3-month number is firmly positive. That tells us recent returns have been constructive even if not especially strong.
Over 3 years and 5 years, the fund’s compounding has been more consistent than the benchmark’s. The 3-year return is modestly ahead of the 5-year figure, while the 5-year result remains close to the 3-year pace, which indicates the fund has not relied on one sharp stretch of gains to build its track record.
For investors, the main takeaway is that this is not a high-momentum product, but it has shown resilience relative to the NIFTY 50 benchmark. The return pattern supports a view of steady compounding rather than aggressive upside chasing.
Source data date: as of 11 Sep 2026
Should you BUY or HOLD Navi 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 Navi Aggressive Hybrid? Thinking of investing now?
Peer comparison
| Fund | 1Y return | 3Y return | 5Y return |
|---|---|---|---|
| Navi Aggressive Hybrid Fund Direct Growth Plan | 9.65% | 11.84% | 11.49% |
| Bank of India Aggressive Hybrid Fund Direct Growth Plan | 15.81% | 16.83% | 14.98% |
| HSBC Multi Asset Active FOF Direct Growth Plan | 14.68% | 15.12% | 12.3% |
| Quant Aggressive Hybrid Fund Direct Growth Plan | 10.09% | 12.36% | 12.93% |
| HSBC Aggressive Hybrid Active FOF Direct Growth Plan | 8.26% | 12.26% | 10.96% |
This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.
On the latest 1-year figure, the fund trails the stronger peer returns in this set, though it still stays ahead of one peer on the same period. The 3-year and 5-year numbers are respectable, but they also sit below the stronger peer outcomes shown here, so the comparison looks more balanced than dominant.
The shorter-term picture is less flattering than the longer-term one because the gap versus the leading peers is wider in 1 year than in the trailing 3-year and 5-year periods. That suggests the fund has been more middle-of-the-pack recently, even though its long-run return profile remains usable for a hybrid allocation.
Source data date: as of 11 Sep 2026
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Portfolio: where your money goes
| Holding | Sector | Weight |
|---|---|---|
| Treps/Reverse Repo/Net Current Assets/Cash/Cash Equivalent | Cash & Cash Equivalents and Net Assets | 9.1% |
| Axis Bank Limited | Bank | 4.28% |
| HDFC Bank Limited (11/09/2026) **# | Certificate of Deposit | 4.23% |
| Cholamandalam Securities Ltd. (11/09/2026) ** | Commercial Paper | 4.22% |
| L&T Finance Limited (05/11/2026) ** | Commercial Paper | 4.18% |
| Kotak Mahindra Bank Limited | Bank | 3.09% |
| Usha Martin Ltd | Iron & Steel | 3.03% |
| HDFC Bank Limited | Bank | 2.82% |
| Time Technoplast Limited (13/11/2026) ** | Commercial Paper | 2.5% |
| Reliance Industries Limited | Crude Oil | 2.38% |
The top 10 holdings account for approximately 39.83% of the portfolio.
To see all holdings, visit the Navi Aggressive Hybrid Fund Direct Growth Plan page
The largest holding is cash and cash equivalents at 9.1%, which is materially larger than any single equity or debt-like line in the displayed list. After that, the weights step down fairly quickly into the 4% range, then into the 3% and low-2% range by the tenth holding.
That pattern suggests the visible book is not dominated by one or two positions alone, but the largest few holdings could still matter more than the rest in day-to-day portfolio behaviour. The mix of bank, commercial paper and cash-linked positions also points to a more balanced deployed profile than a pure equity-heavy portfolio.
Because the top 10 holdings make up 39.83% of the portfolio and the fund discloses 57 holdings in total, a meaningful share of assets sits further down the list. In our view, that indicates a spread across a longer tail rather than extreme concentration, even though the first few positions remain important.
Source data date: as of 11 Sep 2026
Who should invest
This fund suits investors who can tolerate High Risk and stay invested for at least a medium to long horizon. The return pattern shows steady compounding over 3 years and 5 years, but the 1-year figure is softer than those longer windows, so the near-term path can still look uneven.
The benchmark comparison strengthens the case for investors who want a hybrid fund that has been more resilient than the NIFTY 50 in the periods shown. The trade-off is that the recent pace is not as strong as the better peer figures, so investors may need to accept less standout upside in exchange for a more balanced return path.
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 |
There is no exit load.
Source data date: as of 11 Sep 2026
Frequently asked questions
What is the current NAV of Navi Aggressive Hybrid Fund Direct Growth Plan?
The current NAV is ₹25.8123 as of 11 Sep 2026.
What are the fund’s 1-year, 3-year and 5-year returns?
The fund’s returns are 9.65% for 1 year, 11.84% for 3 years and 11.49% for 5 years.
How does the fund compare with its benchmark?
It has outperformed the NIFTY 50 benchmark across the 1-month, 3-month, 1-year, 3-year and 5-year periods shown. The strongest gap is visible in the 1-year comparison.
How does it compare with the peer funds listed here?
Its recent return is below the stronger peer figures in the comparison set, and its 3-year and 5-year returns are also more moderate than the better peer outcomes shown.
What is the minimum SIP amount?
The minimum SIP amount is ₹100.
Who manages the fund and what is the exit load?
The fund is managed by Ashutosh Shirwaikar and Tanmay Sethi. There is no exit load.
Bottom line
Navi Aggressive Hybrid Fund Direct Growth Plan has a steadier longer-term return profile than its benchmark, but the latest 1-year result is less convincing than its 3-year and 5-year track record. Against the peer set shown here, its returns are workable but not the strongest in the group. The portfolio also looks reasonably spread, with the top 10 holdings accounting for 39.83% across 57 disclosed holdings. That combination makes it more suitable for investors who can handle High Risk and prefer measured hybrid exposure over sharper near-term upside.
Published on 15 September 2026 at 4:08 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.