{"id":254563,"date":"2026-09-18T09:13:45","date_gmt":"2026-09-18T03:43:45","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/nj-flexi-cap-fund-direct-growth-review-2026\/"},"modified":"2026-09-18T09:13:45","modified_gmt":"2026-09-18T03:43:45","slug":"nj-flexi-cap-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/nj-flexi-cap-fund-direct-growth-review-2026\/","title":{"rendered":"NJ Flexi Cap Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/nj-flexi-cap-fund-g-direct-plan\">NJ Flexi Cap Fund Direct Growth Plan<\/a> is at a NAV of \u20b913.36 as of 17 Sep 2026, with scheme AUM of \u20b92,696 Cr. Its 1-year, 3-year and 5-year returns are -6.74%, 9.35% and 0%, respectively, and the fund sits in the High Risk category. Our view is that this is a fund for investors who can tolerate sharp short-term swings and are mainly looking at a diversified flexi-cap style exposure rather than a smooth return path.<\/p>\n<p>The recent return pattern is weaker than the benchmark over 1 year, but the 3-year outcome is better than the benchmark and the portfolio is built around individual stock selection. That mix can help over longer periods, but the uneven short-term behaviour means it suits investors with a longer horizon and a clear comfort with volatility.<\/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\/nj-flexi-cap-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\/nj-flexi-cap-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\/nj-flexi-cap-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_NJ_Flexi_Cap\" title=\"Should you BUY or HOLD NJ Flexi Cap?\">Should you BUY or HOLD NJ Flexi Cap?<\/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\/nj-flexi-cap-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\/nj-flexi-cap-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\/nj-flexi-cap-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\/nj-flexi-cap-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\/nj-flexi-cap-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/nj-flexi-cap-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-10\" href=\"https:\/\/univest.in\/blogs-2\/nj-flexi-cap-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-11\" href=\"https:\/\/univest.in\/blogs-2\/nj-flexi-cap-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>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b913.36 as of 17 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b92,696 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.54%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>05 Sep 2023<\/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>Equity<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>Nil upto 5% of units and 1% for remaining units on or before 30D, Nil after 30D<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Dhaval Patel, Viral Shah, Jaimin Ilavia<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Dhaval Patel, Viral Shah and Jaimin Ilavia.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 17 Sep 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>-3.75%<\/td>\n<td>-3.66%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>0.45%<\/td>\n<td>-3.71%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>-6.74%<\/td>\n<td>-7.13%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>9.35%<\/td>\n<td>5.82%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The last month and last quarter show a fund that has been uneven rather than steady. The 1-month figure is still negative, but the 3-month figure turned marginally positive while the benchmark stayed negative for that same period. That tells us the fund has been able to recover more quickly than the index in some recent stretches, even though the latest month remained soft.<\/p>\n<p>Over one year, the fund is still in negative territory and only slightly ahead of the benchmark. That small gap matters more for comparison than for comfort, because both the fund and the benchmark struggled over the same period. The more useful picture appears over three years, where the fund has compounded better than the benchmark and suggests that stock selection has added value across a fuller cycle.<\/p>\n<p>Because the scheme launched on 05 Sep 2023, a true five-year track record is not yet available. For investors, that means the longer-term case has to rely on the 3-year trend and the portfolio\u2019s composition rather than on a full market-cycle history. Recent behaviour looks choppier than the 3-year outcome, so the fund\u2019s shorter-term path still appears vulnerable to market swings.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 17 Sep 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_NJ_Flexi_Cap\"><\/span>Should you BUY or HOLD NJ Flexi Cap?<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 NJ Flexi Cap? 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\/nj-flexi-cap-fund-g-direct-plan\">NJ Flexi Cap Fund Direct Growth Plan<\/a><\/td>\n<td>-6.74%<\/td>\n<td>9.35%<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/bank-of-india-flexi-cap-fund-g-direct-plan\">Bank of India Flexi Cap Fund Direct Growth Plan<\/a><\/td>\n<td>10.1%<\/td>\n<td>18.09%<\/td>\n<td>16.01%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/iti-flexi-cap-fund-g-direct-plan\">ITI Flexi Cap Fund Direct Growth Plan<\/a><\/td>\n<td>9.54%<\/td>\n<td>17.61%<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/navi-flexi-cap-fund-g-direct-plan\">Navi Flexi Cap Fund Direct Growth Plan<\/a><\/td>\n<td>7.9%<\/td>\n<td>10.18%<\/td>\n<td>10.89%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/lic-mf-multi-cap-fund-g-direct-plan\">LIC MF Multi Cap Fund Direct Growth Plan<\/a><\/td>\n<td>7.11%<\/td>\n<td>17.04%<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-flexi-cap-fund-g-direct-plan\">Aditya Birla SL Flexi Cap Fund Direct Growth Plan<\/a><\/td>\n<td>5.94%<\/td>\n<td>13.33%<\/td>\n<td>10.98%<\/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 fund\u2019s 1-year return trails every listed peer in this comparison set, which shows that the most recent stretch has been comparatively weak. That said, the 3-year figure is below the stronger peer group names but still ahead of the benchmark, so the longer view is more constructive than the one-year snapshot.<\/p>\n<p>The peer set also shows a split story on longer windows. Some peers have a much stronger 3-year and 5-year record, while others have incomplete five-year histories. Against that backdrop, this scheme looks better when judged against the benchmark than when judged against the stronger peer returns. The result is a mixed comparison: the short-term gap is clear, but the medium-term profile is not without merit.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 17 Sep 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<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Torrent Pharmaceuticals Limited<\/td>\n<td>Healthcare<\/td>\n<td>5.63%<\/td>\n<\/tr>\n<tr>\n<td>Bosch Limited<\/td>\n<td>Automobile &amp; Ancillaries<\/td>\n<td>5.29%<\/td>\n<\/tr>\n<tr>\n<td>DR. Lal Path Labs Limited<\/td>\n<td>Healthcare<\/td>\n<td>4.58%<\/td>\n<\/tr>\n<tr>\n<td>Eicher Motors Limited<\/td>\n<td>Automobile &amp; Ancillaries<\/td>\n<td>4.49%<\/td>\n<\/tr>\n<tr>\n<td>ICICI Bank Limited<\/td>\n<td>Bank<\/td>\n<td>4.39%<\/td>\n<\/tr>\n<tr>\n<td>Marico Limited<\/td>\n<td>FMCG<\/td>\n<td>4.22%<\/td>\n<\/tr>\n<tr>\n<td>Britannia Industries Limited<\/td>\n<td>FMCG<\/td>\n<td>3.96%<\/td>\n<\/tr>\n<tr>\n<td>Cipla Limited<\/td>\n<td>Healthcare<\/td>\n<td>3.65%<\/td>\n<\/tr>\n<tr>\n<td>Sun Pharmaceutical Industries Limited<\/td>\n<td>Healthcare<\/td>\n<td>3.63%<\/td>\n<\/tr>\n<tr>\n<td>Alkem Laboratories Limited<\/td>\n<td>Healthcare<\/td>\n<td>3.23%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The largest holding is Torrent Pharmaceuticals Limited at 5.63%, so no single stock dominates the portfolio on its own. The drop from the first holding to the tenth is gradual rather than abrupt, moving from 5.63% to 3.23%, which suggests the visible book is spread across several positions instead of hinging on one very large bet.<\/p>\n<p>The top 10 holdings account for approximately 43.07% of the portfolio, and the scheme discloses 47 holdings in total. That combination suggests the remaining positions form a meaningful tail, so the fund may have influence from a broad set of ideas even though the largest names still matter. The current mix also leans toward healthcare, automobiles and consumer-facing businesses, which can create a fairly active stock-specific return pattern.<\/p>\n<p>Given the concentration in the displayed holdings is moderate rather than extreme, the portfolio may still behave differently from a plain index fund. The presence of 47 disclosed holdings means the fund is not dependent on only a handful of stocks, but the top names are large enough to matter if any one theme moves sharply.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/nj-flexi-cap-fund-g-direct-plan\">NJ Flexi Cap Fund Direct Growth Plan<\/a> page<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 17 Sep 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 suits investors who can stay invested through uneven returns and who are comfortable with a High Risk profile. The 1-year decline and the stronger 3-year outcome together suggest that the fund can be volatile over shorter windows but may reward patience over a longer horizon.<\/p>\n<p>The benchmark comparison and the peer comparison point to a simple trade-off: the recent stretch has been weaker than the stronger peer names, but the 3-year number is still better than the benchmark. Investors who want steadier near-term outcomes may find the path uncomfortable, while those who can accept swings for the possibility of better medium-term compounding may find the profile more relevant.<\/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: Nil up to 5% of units and 1% for remaining units on or before 30 days; no exit load after the holding period.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 17 Sep 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<p><strong>What is the current NAV of NJ Flexi Cap Fund Direct Growth Plan?<\/strong><br \/>The NAV is \u20b913.36 as of 17 Sep 2026.<\/p>\n<p><strong>What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/strong><br \/>The 1-year return is -6.74%, the 3-year return is 9.35%, and the 5-year return is Data not available because the scheme has not completed that track record.<\/p>\n<p><strong>How has the fund performed against its benchmark?<\/strong><br \/>Over 1 year it is slightly ahead of the benchmark, while over 3 years it is ahead by a wider margin. The recent one-month reading is still negative, so the short-term picture remains less stable than the 3-year trend.<\/p>\n<p><strong>How does it compare with the peer funds listed here?<\/strong><br \/>Its 1-year return is weaker than the listed peer funds, while its 3-year return is below the stronger peer names but still ahead of the benchmark. That gives it a mixed peer profile rather than a uniformly strong one.<\/p>\n<p><strong>What is the minimum SIP amount?<\/strong><br \/>The minimum SIP amount is \u20b9100.<\/p>\n<p><strong>Who manages the fund and what is the exit load?<\/strong><br \/>The fund is managed by Dhaval Patel, Viral Shah and Jaimin Ilavia. The exit load is nil up to 5% of units and 1% for the remaining units on or before 30 days, with no exit load after the holding period.<\/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>NJ Flexi Cap Fund Direct Growth Plan has a weaker recent stretch than its longer 3-year record, so the short-term picture does not fully match the medium-term outcome. It also compares less favourably with the stronger peer returns on 1-year and 3-year numbers, even though it stays ahead of the benchmark over 3 years. The portfolio is spread across 47 holdings, with no single stock taking over the book, which may help balance the fund\u2019s stock-specific swings. It fits investors who can accept High Risk exposure and wait for the longer view to matter.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 18 September 2026 at 9:11 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\":\"NJ Flexi Cap Fund Direct Growth Plan\",\"identifier\":\"nj-flexi-cap-fund-g-direct-plan\",\"category\":\"Equity\",\"dateCreated\":\"05 Sep 2023\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":13.36,\"valueReference\":\"as of 17 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"2696 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.54\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":-6.74},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":9.35},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":0},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Dhaval Patel, Viral Shah, Jaimin Ilavia\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of NJ Flexi Cap Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The NAV is \u20b913.36 as of 17 Sep 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 -6.74%, the 3-year return is 9.35%, and the 5-year return is Data not available because the scheme has not completed that track record.\"}},{\"@type\":\"Question\",\"name\":\"How has the fund performed against its benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Over 1 year it is slightly ahead of the benchmark, while over 3 years it is ahead by a wider margin. The recent one-month reading is still negative, so the short-term picture remains less stable than the 3-year trend.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with the peer funds listed here?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its 1-year return is weaker than the listed peer funds, while its 3-year return is below the stronger peer names but still ahead of the benchmark. That gives it a mixed peer profile rather than a uniformly strong one.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b9100.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and what is the exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Dhaval Patel, Viral Shah and Jaimin Ilavia. The exit load is nil up to 5% of units and 1% for the remaining units on or before 30 days, with no exit load after the holding period.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>NJ Flexi Cap Fund Direct Growth Plan is at \u20b913.36 NAV as of 17 Sep 2026, with \u20b92,696 Cr AUM and High Risk positioning. Its 1-year, 3-year and 5-year returns are -6.74%, 9.35% and Data not available.<\/p>\n","protected":false},"author":38,"featured_media":254562,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-254563","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["254562"],"rank_math_title":["NJ Flexi Cap Fund NAV, Returns &amp; Review 2026"],"rank_math_description":["NJ Flexi Cap Fund Direct Growth Plan review: NAV \u20b913.36, 1Y -6.74%, 3Y 9.35%, High Risk, \u20b92,696 Cr AUM."],"rank_math_focus_keyword":["NJ Flexi Cap Fund Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/NJ_Flexi_Cap_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/254563","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=254563"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/254563\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/254562"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=254563"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=254563"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=254563"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}