Synopsis– In 2025, a number of Flexi Cap funds considerably underperformed the NIFTY 500 TRI, with Samco, Shriram, and Quant posting steep 1-year losses. Poor inventory choice, excessive expense ratios, and short-term volatility made these funds unsuitable for long-term wealth creation.
The assessment of Flexi Cap funds in 2025 showcases that a lot of the schemes have been failing to even to match its benchmark NIFTY 500 TRI efficiency with Samco, Shriram and Quant recording excessive near-term losses. Giant expense ratios, poor inventory choice, and volatility within the brief time period have performed a task in poor efficiency in most funds. These talked about funds are one thing that your cash ought to steer clear of.
1. Samco Flexi Cap Fund Direct Development
- 1 12 months SIP XIRR: -11.37%
- AUM: ₹413 Crores as on 31-07-2025
- Expense Ratio: 0.96%
- NAV: ₹10.55 (as on 28-08-2025)
- Invested Quantity: ₹60,000 (5000x12x1)
- Present Worth: ₹56,828
| Interval | Fund Return | Benchmark (NIFTY 500 TRI) |
| CAGR Since Inception | 1.58% | 12.42% |
| 1 12 months | –19.83% | –2.39% |
| 3 12 months | 3.37% | 15.64% |
2. Shriram Flexi Cap Fund Direct Development
- 1-12 months SIP XIRR: -3.4%
- AUM: ₹136 Crores as on 31-07-2025
- Expense Ratio: 0.83%
- NAV: ₹22.41 (as on 28-08-2025)
- Invested Quantity: ₹60,000 (5000x12x1)
- Present Worth: ₹59,066
| Interval | Fund Return | Benchmark (NIFTY 500 TRI) |
| CAGR Since Inception | 12.68% | 12.42% |
| 1 12 months | –12.06% | –2.39% |
| 3 12 months | 12.20% | 15.64% |
| 5 12 months | 15.30% | 20.18% |
3. Taurus Flexi Cap Fund Direct Development
- 1-12 months SIP XIRR: -1.24%
- AUM: ₹355 Crores as on 31-07-2025
- Expense Ratio: 2.57%%
- NAV: ₹229.51 (as on 28-08-2025)
- Invested Quantity: ₹60,000 (5000x12x1)
- Present Worth: ₹59,661
| Interval | Fund Return | Benchmark (NIFTY 500 TRI) |
| CAGR Since Inception | 10.54% | 12.42% |
| 1 12 months | –7.55% | –2.39% |
| 3 12 months | 12.99% | 15.64% |
| 5 12 months | 16.53% | 20.18% |
Additionally learn: How Lengthy Do Giant Cap Mutual Fund SIPs Take to Double Your Investments? A Detailed Evaluation
4. Navi Flexi Cap Fund Direct Plan Development
- 1-12 months SIP XIRR: 5.28%
- AUM: ₹255 Crores as on 31-07-2025
- Expense Ratio: 0.56%
- NAV: ₹25.84 (as on 28-08-2025)
- Invested Quantity: ₹60,000 (5000x12x1)
- Present Worth: ₹61,427
| Interval | Fund Return | Benchmark (NIFTY 500 TRI) |
| CAGR Since Inception | 14.20% | 12.42% |
| 1 12 months | –4.09% | –2.39% |
| 3 12 months | 14.14% | 15.64% |
| 5 12 months | 18.96% | 20.18% |
5. Quant Flexi Cap Fund Development Choice Direct Plan
- 1-12 months SIP XIRR: -4.16%
- AUM: ₹7,011 Crores as on 31-07-2025
- Expense Ratio: 0.66%
- NAV: ₹104.11 (as on 28-08-2025)
- Invested Quantity: ₹60,000 (5000x12x1)
- Present Worth: ₹58,857
| Interval | Fund Return | Benchmark (NIFTY 500 TRI) |
| CAGR Since Inception | 18.68% | 12.47% |
| 1 12 months | –13.28% | –0.57% |
| 3 12 months | 17.97% | 16.24% |
| 5 12 months | 27.11% | 20.63% |
Comparability of 5 Worst Performing Flexi Cap Funds (2025)
| Fund Identify | 1-12 months SIP XIRR | AUM (₹ Cr) | Expense Ratio | Invested (₹) | Present Worth (₹) |
| Samco Flexi Cap Fund | -11.37% | 413 | 0.96% | 60,000 | 56,828 |
| Shriram Flexi Cap Fund | -3.40% | 136 | 0.83% | 60,000 | 59,066 |
| Taurus Flexi Cap Fund | -1.24% | 355 | 2.57% | 60,000 | 59,661 |
| Navi Flexi Cap Fund | 5.28% | 255 | 0.56% | 60,000 | 61,427 |
| Quant Flexi Cap Fund | -4.16% | 7,011 | 0.66% | 60,000 | 58,857 |
Key Observations
- Samco is the clear underperformer all through all durations (huge distinction with benchmark and friends).
- Shriram, Taurus and Navi are near the benchmark however by no means outperformed.
- Quant flexi cap’s long-term returns are good, however the excessive 1Y decline (-13.28%) places it among the many worst short-term performers.
Remaining Ideas
The first goal of investing in a mutual fund is to outperform the market and provides returns which might be above the index. The above-mentioned funds, nevertheless, apart from Quant Flexi Cap, not solely carried out poorly over the previous yr but additionally didn’t carry out constantly with the market over the 3-year and 5-year classes. This illustrates ineffective stock-picking expertise, inefficient portfolio administration and augmented draw back threat to long-term traders.You will need to choose the suitable fund as a result of schemes that underperform will destroy wealth slightly than creating it.
Written by Prajwal Hegde
