{"id":222053,"date":"2026-08-28T11:15:41","date_gmt":"2026-08-28T05:45:41","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=222053"},"modified":"2026-08-28T11:15:43","modified_gmt":"2026-08-28T05:45:43","slug":"navi-nifty-50-index-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/navi-nifty-50-index-fund-direct-growth-review-2026\/","title":{"rendered":"Navi Nifty 50 Index Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/navi-nifty-50-index-fund-g-direct-plan\">Navi Nifty 50 Index Fund Direct Growth Plan<\/a> had a NAV of \u20b915.9133 as of 27 August 2026 and scheme AUM of \u20b94,147 Cr. Its 1-year, 3-year and 5-year returns are -1.58%, 8.77% and 8.69% respectively, and the scheme is tagged High Risk.<\/p>\n<p>Our view is that this is a straightforward large-cap index fund with a low expense ratio and a portfolio heavily tied to the Nifty 50, especially banks. The 5-year return profile is steady, but the 1-year number is negative, so the fund looks better suited to investors who are comfortable with market-linked volatility and want broad large-cap exposure rather than a defensive capital-protection profile.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/navi-nifty-50-index-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/navi-nifty-50-index-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/navi-nifty-50-index-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_Navi_Nifty_50_Index\" title=\"Should you BUY or HOLD Navi Nifty 50 Index?\">Should you BUY or HOLD Navi Nifty 50 Index?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/navi-nifty-50-index-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/navi-nifty-50-index-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/navi-nifty-50-index-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/navi-nifty-50-index-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/navi-nifty-50-index-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/navi-nifty-50-index-fund-direct-growth-review-2026\/#What_is_the_current_NAV_of_Navi_Nifty_50_Index_Fund_Direct_Growth_Plan\" title=\"What is the current NAV of Navi Nifty 50 Index Fund Direct Growth Plan?\">What is the current NAV of Navi Nifty 50 Index Fund Direct Growth Plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/navi-nifty-50-index-fund-direct-growth-review-2026\/#What_are_the_funds_1-year_3-year_and_5-year_returns\" title=\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\">What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/navi-nifty-50-index-fund-direct-growth-review-2026\/#How_does_the_fund_compare_with_the_Nifty_50_benchmark\" title=\"How does the fund compare with the Nifty 50 benchmark?\">How does the fund compare with the Nifty 50 benchmark?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/navi-nifty-50-index-fund-direct-growth-review-2026\/#What_is_the_minimum_SIP_amount\" title=\"What is the minimum SIP amount?\">What is the minimum SIP amount?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/navi-nifty-50-index-fund-direct-growth-review-2026\/#What_is_the_risk_category_of_this_fund\" title=\"What is the risk category of this fund?\">What is the risk category of this fund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/navi-nifty-50-index-fund-direct-growth-review-2026\/#Who_manages_the_fund_and_is_there_an_exit_load\" title=\"Who manages the fund and is there an exit load?\">Who manages the fund and is there an exit load?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/navi-nifty-50-index-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/navi-nifty-50-index-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/navi-nifty-50-index-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Metric<\/th>\n<th>Value<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b915.9133<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b94,147 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.06%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>15 July 2021<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b9100<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>High Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Index Funds<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>No exit load<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Ashutosh Shirwaikar<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Ashutosh Shirwaikar.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 27 Aug 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>0.56%<\/td>\n<td>0.44%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>2.89%<\/td>\n<td>2.31%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>-1.58%<\/td>\n<td>-2.53%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>8.77%<\/td>\n<td>6.72%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>8.69%<\/td>\n<td>7.06%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The short-term picture has improved from the weaker one-year outcome. Over one month and three months, the fund stayed modestly ahead of the benchmark, which tells us the recent trend is stable rather than erratic.<\/p>\n<p>The one-year return is still negative, but it is less weak than the benchmark\u2019s, so the fund has handled the tougher stretch slightly better. That matters for an index fund, because the main question is not whether it can outrun the market by a wide margin, but whether it stays close to it with limited tracking drift.<\/p>\n<p>Over three and five years, the fund has remained ahead of the benchmark on a return basis. The 3-year return of 8.77% versus 6.72% and the 5-year return of 8.69% versus 7.06% suggest that the fund has preserved a clear edge over the index in this period, even though the most recent year was soft.<\/p>\n<p>Our read is that the pattern is consistent with a large-cap index strategy that participates in market recoveries but can still go through drawdowns when the broader market weakens. The recent recovery looks cleaner than the 1-year number, so investors should judge it over a longer holding period rather than from the latest stretch alone.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 27 Aug 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_Navi_Nifty_50_Index\"><\/span>Should you BUY or HOLD Navi Nifty 50 Index?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>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.<\/p>\n<p><strong>Already holding Navi Nifty 50 Index? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/navi-nifty-50-index-fund-g-direct-plan\">Navi Nifty 50 Index Fund Direct Growth Plan<\/a><\/td>\n<td>-1.58%<\/td>\n<td>8.77%<\/td>\n<td>8.69%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-nasdaq-100-index-fund-g-direct-plan\">ICICI Pru NASDAQ 100 Index Fund Direct Growth Plan<\/a><\/td>\n<td>35.37%<\/td>\n<td>31.28%<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-nifty-india-defence-index-fund-g-direct-plan\">Aditya Birla SL Nifty India Defence Index Fund Direct Growth Plan<\/a><\/td>\n<td>30.31%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/motilal-oswal-nifty-india-defence-index-fund-g-direct-plan\">Motilal Oswal Nifty India Defence Index Fund Direct Growth Plan<\/a><\/td>\n<td>29.66%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/motilal-oswal-nifty-capital-market-index-fund-g-direct-plan\">Motilal Oswal Nifty Capital Market Index Fund Direct Growth Plan<\/a><\/td>\n<td>29.44%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/tata-nifty-capital-markets-index-fund-g-direct-plan\">Tata Nifty Capital Markets Index Fund Direct Growth Plan<\/a><\/td>\n<td>29.17%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.<\/p>\n<p>The current fund\u2019s one-year return is below the strong one-year figures shown by the peer set here, but those peers are tied to very different themes, so the comparison is more about relative recent momentum than like-for-like risk. On the longer horizon, this fund\u2019s available 3-year and 5-year numbers are meaningful because several peers do not have comparable long-term figures in this set. That makes the fund\u2019s steadier multi-year track record more relevant than its weak one-year outcome.<\/p>\n<p>Overall, the short-term peer picture and the longer-term picture do not tell the same story. The recent one-year number looks soft, while the three-year and five-year returns still show a firm, index-like compounding pattern that compares well with the benchmark.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 27 Aug 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The market-cap mix is almost entirely large-cap, with 99.61% in large caps, 0% in mid caps, 0% in small caps and 0.39% in other exposure. That makes the fund\u2019s behaviour closely tied to the largest listed Indian companies.<\/p>\n<table>\n<thead>\n<tr>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<th>Top holdings<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>BANK<\/td>\n<td>38.74%<\/td>\n<td>KOTAK MAHINDRA BANK LIMITED (15.05%), HDFC BANK LIMITED (9.89%)<\/td>\n<\/tr>\n<tr>\n<td>CRUDE OIL<\/td>\n<td>7.96%<\/td>\n<td>RELIANCE INDUSTRIES LIMITED (7.19%), OIL &amp; NATURAL GAS CORPORATION LIMITED (0.77%)<\/td>\n<\/tr>\n<tr>\n<td>IT<\/td>\n<td>7.87%<\/td>\n<td>INFOSYS LIMITED (3.53%), TATA CONSULTANCY SERVICES LIMITED (2.05%)<\/td>\n<\/tr>\n<tr>\n<td>AUTOMOBILE &amp; ANCILLARIES<\/td>\n<td>5.81%<\/td>\n<td>MAHINDRA &amp; MAHINDRA LIMITED (2.24%), MARUTI SUZUKI INDIA LIMITED (1.43%)<\/td>\n<\/tr>\n<tr>\n<td>FMCG<\/td>\n<td>4.65%<\/td>\n<td>ITC LIMITED (2.41%), HINDUSTAN UNILEVER LIMITED (1.52%)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The BANK sector is materially larger than every other sector in the portfolio and is more than four times the size of the next biggest sector shown here. That means the fund\u2019s day-to-day movement may be strongly influenced by large private banks, especially Kotak Mahindra Bank and HDFC Bank.<\/p>\n<p>Crude oil and IT are the next most visible exposures, but both sit far below banking in weight. In our view, this creates a portfolio that is broad in name count but still clearly led by a single sector theme.<\/p>\n<p>Because the portfolio is almost fully large-cap and the sector mix is dominated by BANK, the fund is likely to behave most like a financials-led large-cap index portfolio. That can support diversification within large caps, but it also means the portfolio may respond noticeably when banking stocks lead or lag the wider market.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 27 Aug 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund is best viewed by investors who are comfortable with High Risk market movement and who can hold on for at least a medium-to-long horizon. Its one-year return was negative, but the three-year and five-year numbers are stronger and sit ahead of the benchmark, which makes patience more important than short-term judgment.<\/p>\n<p>The main trade-off is that you get low-cost, broad large-cap exposure, but you must accept that the fund will still move with the market and can go through weak stretches. Investors who want a simple Nifty 50-style core holding and can tolerate interim volatility may find the profile suitable; those who need steadier near-term outcomes may not.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Exit load: No exit load.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 27 Aug 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_current_NAV_of_Navi_Nifty_50_Index_Fund_Direct_Growth_Plan\"><\/span>What is the current NAV of Navi Nifty 50 Index Fund Direct Growth Plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The NAV is \u20b915.9133 as of 27 August 2026.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_are_the_funds_1-year_3-year_and_5-year_returns\"><\/span>What are the fund\u2019s 1-year, 3-year and 5-year returns?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The 1-year return is -1.58%, the 3-year return is 8.77% and the 5-year return is 8.69%.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_the_fund_compare_with_the_Nifty_50_benchmark\"><\/span>How does the fund compare with the Nifty 50 benchmark?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It is ahead of the benchmark over 1M, 3M, 3Y and 5Y, while the 1-year return is less weak than the benchmark\u2019s negative 1-year return.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_minimum_SIP_amount\"><\/span>What is the minimum SIP amount?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The minimum SIP amount is \u20b9100.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_risk_category_of_this_fund\"><\/span>What is the risk category of this fund?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund is tagged High Risk. Its portfolio is almost fully large-cap, but the sector mix is heavily concentrated in banking.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_manages_the_fund_and_is_there_an_exit_load\"><\/span>Who manages the fund and is there an exit load?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund is managed by Ashutosh Shirwaikar. There is no exit load.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund\u2019s recent one-year return is weaker, but its three-year and five-year returns still sit ahead of the benchmark, so the longer-term picture is better than the latest stretch. In peer comparisons, the fund looks modest on the recent number, yet its multi-year record remains relevant where comparable figures are available. With an almost fully large-cap mix and a clear banking tilt, it is best treated as a market-linked core holding for investors who can tolerate High Risk swings and focus on the longer run.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 28 August 2026 at 10:46 AM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>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.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"Navi Nifty 50 Index Fund Direct Growth Plan\",\"identifier\":\"navi-nifty-50-index-fund-g-direct-plan\",\"category\":\"Index Funds\",\"dateCreated\":\"15 Jul 2021\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":15.9133,\"valueReference\":\"as of 27 Aug 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"4147 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.06\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":-1.5771},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":8.7664},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":8.6908},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Ashutosh Shirwaikar\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of Navi Nifty 50 Index Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The NAV is \u20b915.9133 as of 27 August 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The 1-year return is -1.58%, the 3-year return is 8.77% and the 5-year return is 8.69%.\"}},{\"@type\":\"Question\",\"name\":\"How does the fund compare with the Nifty 50 benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It is ahead of the benchmark over 1M, 3M, 3Y and 5Y, while the 1-year return is less weak than the benchmark\u2019s negative 1-year return.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b9100.\"}},{\"@type\":\"Question\",\"name\":\"What is the risk category of this fund?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is tagged High Risk. Its portfolio is almost fully large-cap, but the sector mix is heavily concentrated in banking.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and is there an exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Ashutosh Shirwaikar. There is no exit load.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Person\",\"name\":\"{{ANALYST_NAME}}\",\"affiliation\":{\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\"},\"description\":\"Uniapps Investment Adviser Pvt. Ltd. \u2014 SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Navi Nifty 50 Index Fund Direct Growth Plan had a NAV of \u20b915.9133 as of 27 August 2026. Its 1-year, 3-year and 5-year returns are -1.58%, 8.77% and 8.69%.<\/p>\n","protected":false},"author":29,"featured_media":222052,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-222053","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["222052"],"rank_math_title":["Navi Nifty 50 Index Fund NAV, Returns &amp; Review"],"rank_math_description":["Navi Nifty 50 Index Fund Direct Growth Plan review: NAV \u20b915.9133, 1Y -1.58%, 3Y 8.77%, 5Y 8.69% as of 27 Aug 2026."],"rank_math_focus_keyword":["Navi Nifty 50 Index Fund Direct Growth Plan 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