Navi Mutual Fund: Top Funds, Returns & How to Invest
Navi Mutual Fund manages ₹10,030.60 crore across 16 schemes. Explore top funds ranked by Invo Wealth, with returns, risk data and SIP guide.
Navi Mutual Fund is a SEBI-registered AMC managing ₹10,030.60 crore across 16 schemes, making it a notable name in the Indian mutual fund landscape. Founded by Sachin Bansal and Ankit Agarwal, the fund house blends a technology-first philosophy with a product range that spans domestic index funds and international passive fund-of-funds. Here is everything you need to know — from the AMC's background to its top-ranked schemes and their risk data.
Key takeaways
- Navi AMC manages ₹10,030.60 crore across 16 schemes.
- The fund house was incorporated on 4 December 2009, launched in December 2018, and acquired Essel Finance Mutual Fund in January 2021, rebranding it as Navi.
- Its two US-focused passive FoFs — the NASDAQ 100 and Total Stock Market — have delivered 3-year returns of 29.41% and 25.51% respectively.
- Beyond mutual funds, Navi also provides personal loans, home loans, two-wheeler loans, SME business loans and general insurance.
- SIPs can be started, increased via a step-up facility, or cancelled entirely online at any time.
What Is Navi Mutual Fund?
Navi AMC Limited was launched in December 2018 by Sachin Bansal — co-founder and former Chairman of Flipkart — and Ankit Agarwal, who previously worked at Deutsche Bank and Bank of America. The AMC's sponsor is Anmol Como Broking Private Limited, it is registered with SEBI, and Navi Trustee Limited serves as its designated trustee.
The fund house acquired Essel Finance Mutual Fund in January 2021 and rebranded it as Navi, expanding its footprint in Indian asset management. Its stated mission is to make financial services hassle-free, affordable and accessible through a technology-driven, customer-centric model.
Aside from mutual funds, Navi operates across personal loans, home loans, two-wheeler vehicle loans, SME business loans and general insurance — functioning as a broader financial services provider rather than a standalone AMC.
| Field | Detail |
|---|---|
| Total AUM | ₹10,030.60 crore |
| Number of schemes | 16 |
| AMC age | 16 years |
| Incorporation date | 4 December 2009 |
| Sponsors | Anmol Como Broking Private Limited |
| Trustee organisation | Navi Trustee Ltd. |
| CEO | Aditya Venkatesh Mulki(Chief Executive Officer) |
| Compliance officer | Mr. Mayuresh Vasant Sonavane |
| Address | 7th Floor, Wing B, Prestige RMZ Startech, No. 139, 2, Hosur RdKoramangala Industrial Layout, S.G. Palya. Bangalore 560095 |
Top 10 Navi Mutual Fund Schemes
The funds below are ranked by Invo Wealth's internal quality score, which weighs returns, risk and consistency across market cycles. The table shows 6-month, 1-year, 3-year and — where available — 5-year returns.
Performance data as of 5 September 2026.
| Fund | Sub-category | 6M CAGR | 1Y CAGR | 3Y CAGR | 5Y CAGR |
|---|---|---|---|---|---|
| Navi Nifty India Manufacturing Index Fund | Index Fund | 9.96% | 10.34% | 17.33% | -- |
| Navi Nifty Midcap 150 Index Fund | Index Fund | 17.44% | 8.76% | 14.54% | -- |
| Navi NASDAQ100 US Specific Equity Passive FOF | Fund of Funds (FoF) | 48.26% | 33.54% | 29.41% | -- |
| Navi Nifty Next 50 Index Fund | Index Fund | 15.83% | 8.32% | 16.95% | -- |
| Navi Total Stock Market US Specific Equity Passive FoF | Fund of Funds (FoF) | 36.40% | 27.93% | 25.51% | -- |
| Navi Nifty 50 Index Fund | Index Fund | -5.67% | -2.68% | 7.72% | 7.49% |
| Navi Nifty Bank Index Fund | Index Fund | -5.50% | 5.52% | 8.56% | -- |
| Navi Aggressive Hybrid Fund | Aggressive Hybrid Fund | 23.81% | 9.68% | 10.61% | 9.82% |
| Navi Flexi Cap Fund | Flexi Cap Fund | 20.16% | 11.86% | 9.92% | 9.94% |
| Navi Large & Midcap Fund | Large & Mid Cap Fund | 15.77% | 6.32% | 8.56% | 9.58% |
All funds listed are Regular Plan - Growth option. CAGR = compound annual growth rate.
How Do These Funds Compare on Risk?
The table below shows volatility, maximum drawdown and Sortino ratio for each of the top 10 Navi schemes, giving a clearer picture of the downside risk alongside the headline returns.
| Fund | ISIN | Mean 1Y rolling return | Volatility | Max drawdown (3Y) | Sortino ratio |
|---|---|---|---|---|---|
| Navi Nifty India Manufacturing Index Fund | INF959L01GE4 | 22.79% | 19.15% | -23.35% | 0.74 |
| Navi Nifty Midcap 150 Index Fund | INF959L01FY4 | 21.70% | 20.65% | -21.24% | 0.49 |
| Navi NASDAQ100 US Specific Equity Passive FOF | INF959L01GA2 | 31.26% | 25.41% | -23.35% | 1.30 |
| Navi Nifty Next 50 Index Fund | INF959L01FS6 | 17.87% | 22.20% | -26.43% | 0.60 |
| Navi Total Stock Market US Specific Equity Passive FoF | INF959L01FW8 | 23.00% | 19.55% | -20.04% | 1.41 |
| Navi Nifty 50 Index Fund | INF959L01FQ0 | 10.84% | 15.86% | -15.56% | 0.06 |
| Navi Nifty Bank Index Fund | INF959L01FU2 | 11.90% | 19.34% | -18.46% | 0.11 |
| Navi Aggressive Hybrid Fund | INF959L01DI2 | 12.09% | 13.75% | -13.24% | 0.37 |
| Navi Flexi Cap Fund | INF959L01EE9 | 14.00% | 16.93% | -19.91% | 0.24 |
| Navi Large & Midcap Fund | INF959L01CK0 | 14.94% | 17.57% | -19.46% | 0.12 |
International FoFs: Strong Returns, Higher Volatility
The Navi NASDAQ 100 US Specific Equity Passive FoF has posted a 3-year return of 29.41% with a Sortino ratio of 1.30, while the Navi Total Stock Market US Specific Equity Passive FoF returned 25.51% over three years with a Sortino ratio of 1.41 — the highest on this list. Both carry elevated volatility (25.41% and 19.55% respectively) and maximum drawdowns of -23.35% and -20.04%, which investors should weigh carefully against their risk tolerance.
Domestic Index Funds: Steady Benchmark Exposure
The Navi Nifty India Manufacturing Index Fund delivered a 3-year return of 17.33%, and the Navi Nifty Next 50 Index Fund returned 16.95% over the same period. The Navi Nifty 50 Index Fund, tracking the broadest large-cap benchmark, has a 5-year return of 7.49% with the lowest volatility on this list at 15.86% and a maximum drawdown of only -15.56%.
Hybrid and Flexi Cap Options
The Navi Aggressive Hybrid Fund offers a 5-year return of 9.82% with the lowest volatility among the hybrid options at 13.75% and a maximum drawdown of -13.24%. The Navi Flexi Cap Fund returned 9.94% over five years with volatility of 16.93% and a maximum drawdown of -19.91% — options worth examining for investors seeking diversified equity exposure with some cushioning.
How to Invest in Navi Mutual Fund Online
You can invest in Navi Mutual Fund directly on the fund house's official website using your folio number, or through any registered online investment platform. Sign up on Invo Wealth to get complete portfolio insights and start investing in Navi mutual funds that match your risk profile and goals.
To grow contributions over time, use the step-up SIP facility — most fund houses including Navi now offer this feature. A step-up SIP calculator can help you model how incremental increases compound before you commit to a revised amount.
To cancel a SIP, place a Cancel SIP request online through the fund house's website or the platform where you invested. The cancellation process is fully online and can be initiated at any time.
Conclusion
Navi Mutual Fund brings together domestic index funds, US-focused passive FoFs and actively managed equity schemes under one SEBI-registered AMC with ₹10,030.60 crore in assets. The fund house's technology-first approach and wide product lineup — from Nifty 50 trackers to NASDAQ-linked FoFs — provide multiple entry points across risk profiles. Matching each scheme's return and risk figures to your own financial goals and time horizon is the right starting point before investing.
Frequently asked questions
How do I start a Navi Mutual Fund SIP online?
You can start a Navi Mutual Fund SIP through Invo Wealth or directly on the fund house's official website. Any registered online investment platform or mobile application that supports Navi funds also works.
How do I calculate my Navi Mutual Fund SIP returns?
To estimate SIP returns, you need your monthly investment amount, the SIP tenure, any existing Navi SIPs already paid, and your expected rate of return. Entering these inputs into an online SIP calculator gives you a projected corpus.
How do I redeem my Navi Mutual Fund investment?
For offline redemption, visit the nearest Navi fund house branch and submit a redemption form. Online, log in to the official Navi website with your folio number, or redeem directly through the investment platform where you originally invested.
Can I increase my SIP amount in Navi Mutual Fund?
Yes, you can raise your SIP contribution using the step-up or top-up SIP facility, which most fund houses including Navi now offer. Verify availability with the fund house and use a step-up SIP calculator to plan your revised amount before committing.
How do I cancel a Navi Mutual Fund SIP online?
Place a Cancel SIP request by logging in to Navi's official website with your folio number, or raise the request on the platform where you invested. You can also ask your agent to process the cancellation on your behalf.
Mutual fund investments are subject to market risks; read all scheme-related documents carefully. This article is for education only and is not investment advice. Past performance does not guarantee future returns. Invo Wealth is an AMFI-registered mutual fund distributor (ARN-368528).