The Wealth Company Flexi Cap Fund Direct Growth Review 2026: NAV, Returns, Portfolio & Should You Invest?

The Wealth Company Flexi Cap Fund Direct Growth Plan is at ₹9.7523 as of 16 September 2026, with scheme AUM of ₹250 Cr. Its 1-year, 3-year and 5-year returns are 0%, 0% and 0%, and the fund sits in the High Risk category. Our view is that this is still a very early-stage flexi-cap offering, so the key question is less about long-term track record and more about whether investors are comfortable with a young, high-risk portfolio that has limited performance history.

The fund’s benchmark is Nifty 50, and the available short-term return pattern has been weak relative to that reference. That does not make the scheme unsuitable by itself, but it does mean the fund currently suits investors who can tolerate a new portfolio and are willing to wait for a longer operating history before judging consistency.

Quick facts

Particular	Details
NAV	₹9.7523 as of 16 Sep 2026
AUM	₹250 Cr
Expense Ratio	0.39%
Launch Date	14 Oct 2025
Min SIP	₹250
Risk Category	High Risk
Benchmark	Nifty 50
Exit Load	1% on or before 30D, Nil after 30D
Fund Managers	Aparna Shanker, Saloni Kapadia

The fund is managed by Aparna Shanker and Saloni Kapadia.

Source data date: as of 16 Sep 2026

Performance

Period	Fund return	Benchmark return
1M	-4.61%	-4.41%
3M	-3.05%	-3.6%
1Y	Data not available	Data not available
3Y	Data not available	Data not available
5Y	Data not available	Data not available

The recent picture is mixed, but broadly soft. Over 1 month, the fund was slightly weaker than the benchmark, while the 3-month figure was a little better than the benchmark. That pattern suggests the scheme has moved in line with a difficult market backdrop rather than showing a distinct edge over the reference index.

Because the fund launched only in October 2025, there is not yet a meaningful 1-year, 3-year or 5-year performance history to evaluate. That matters for a flexi-cap strategy, because investors usually look for evidence that the portfolio can manage different market regimes. At present, we do not have that longer record.

The available return path also suggests volatility has mattered more than smooth compounding so far. For a new fund, that is not unusual, but it does mean early investors are still in the evidence-building phase. Relative to Nifty 50, the fund has not yet shown a clear pattern of sustained outperformance or underperformance across a longer cycle.

As a result, the current read is cautious. The fund has enough breadth in its mandate to seek opportunities across market capitalisations, but the performance history is still too short to draw firm conclusions about consistency. For now, the short-term numbers mainly tell us that the portfolio is still finding its footing.

Source data date: as of 16 Sep 2026

Should you BUY or HOLD The Wealth Company Flexi Cap?

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.

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Peer comparison

Fund	1Y return	3Y return	5Y return
The Wealth Company Flexi Cap Fund Direct Growth Plan	Data not available	Data not available	Data not available
Baroda BNP Paribas Gold ETF FoF Direct Growth Plan	34.39%	Data not available	Data not available
HDFC Innovation Fund Direct Growth Plan	14.3%	Data not available	Data not available
Bajaj Finserv Small Cap Fund Direct Growth Plan	13.33%	Data not available	Data not available
Quant Equity Savings Fund Direct Growth Plan	8.75%	Data not available	Data not available
Kotak Active Momentum Fund Direct Growth Plan	6.31%	Data not available	Data not available

This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639. On the available 1-year figures, the current fund has no disclosed return yet, while the comparison set shows positive 1-year numbers across the listed peers. That means the fund currently trails the peer set on the only common long-enough comparison point available here.

The longer-horizon cells are also not yet useful for comparison because the current fund has no disclosed 3-year or 5-year history. So, the peer table tells two different stories: the short-term comparison highlights a gap against established peers, while the longer-term comparison is still waiting for this fund to build a record.

Source data date: as of 16 Sep 2026

Portfolio: where your money goes

Holding	Sector	Weight
ICICI Bank Limited	Bank	5.34%
Net Receivable/Payable	Cash & Cash Equivalents and Net Assets	4.63%
Multi Commodity Exchange of India Ltd.	Finance	4%
Ather Energy Limited	Domestic Equities	3.84%
Thangamayil Jewellery Limited	Diamond & Jewellery	3.44%
Solar Industries India Limited	Chemicals	3.05%
State Bank of India	Bank	2.82%
TVS Motor Company Limited	Automobile & Ancillaries	2.71%
Ramkrishna Forgings Limited	Automobile & Ancillaries	2.58%
Ethos Limited	Retailing	2.48%

The top 10 holdings account for approximately 34.89% of the portfolio.

To see all holdings, visit the The Wealth Company Flexi Cap Fund Direct Growth Plan page

The largest holding, ICICI Bank Limited, has a 5.34% weight, which is meaningful but not overpowering on its own. The rest of the top positions step down gradually rather than collapsing sharply after the first name, which suggests the visible book is spread across several ideas instead of being anchored by one dominant position.

By the tenth holding, the weight is 2.48%, so the top of the portfolio still retains a noticeable but manageable spread. That kind of profile may give the fund room to express stock selection across banks, finance, consumer-facing names and industrial businesses without relying too heavily on a single line item.

At the same time, the top 10 disclosed positions together account for 34.89% of the portfolio, and there are 46 disclosed holdings overall. That points to a portfolio with a reasonably long tail, so the visible concentration is contained rather than extreme. For investors, that may reduce single-stock dependence while still leaving enough room for active choices to matter.

Source data date: as of 16 Sep 2026

Who should invest

This fund fits investors who can handle High Risk exposure and are comfortable with a newer flexi-cap portfolio that has only a short operating history. It is better suited to a longer horizon, because the current record does not yet show how the strategy behaves across a full market cycle.

The main trade-off is between mandate flexibility and proof of consistency. The fund can move across market segments, but the present track record is still limited, and the available short-term numbers do not yet establish sustained strength versus the benchmark. Investors who want an early-stage, actively managed equity allocation may find that acceptable, while those who want a well-tested return history may prefer to wait.

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: 1% on or before 30 days; nil after 30 days.

Source data date: as of 16 Sep 2026

Frequently asked questions

What is the current NAV of The Wealth Company Flexi Cap Fund Direct Growth Plan?

The current NAV is ₹9.7523 as of 16 September 2026.

What are the fund’s 1-year, 3-year and 5-year returns?

The fund’s 1-year, 3-year and 5-year returns are not available yet because the scheme launched on 14 October 2025. The available short-term performance figures are 1-month at -4.61% and 3-month at -3.05%.

How has the fund performed against Nifty 50?

It has been slightly weaker than Nifty 50 over 1 month and slightly better over 3 months. The longer performance history is not yet available, so a full comparison is still premature.

How does the fund compare with the listed peer funds?

On the available 1-year figures, the fund has no disclosed return yet, while the listed peer funds show positive 1-year numbers. The 3-year and 5-year comparison is not yet possible because the fund has not built those records.

Is there a minimum SIP amount?

The minimum SIP amount is ₹250.

Who manages the fund and what is the exit load?

The fund is managed by Aparna Shanker and Saloni Kapadia. The exit load is 1% on or before 30 days and nil after 30 days.

Bottom line

The Wealth Company Flexi Cap Fund Direct Growth Plan is still a very new flexi-cap strategy, so its short history matters more than any long-horizon comparison. The available recent numbers are mixed versus Nifty 50, and the peer table shows that it does not yet have a disclosed one-year record to match established peers. The portfolio looks spread across multiple positions rather than dominated by one name, which may support active flexibility. This is best viewed as a High Risk option for investors who are comfortable with an early-stage equity fund and can wait for a longer track record.

Published on 17 September 2026 at 11:43 AM 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.