Risk Classification

The Mutual Fund categories discussed on this page are classified as follows based on SEBI Riskometer guidelines:

Data Universe & Source

Universe Criteria: Regular schemes within the selected category (Large, Mid, or Small Cap) that are older than 3 Years and open for subscription as on 15 December 2025.

Sample Distribution: The analysis covers a comprehensive set of funds across Giant, Mid-Tier, and Small AUM sizes. (Note: Specific fund counts vary by category).

Survivorship Bias: Limiting the universe to currently active schemes inherently excludes schemes that were merged, closed, or wound up due to poor performance. This may bias the sample towards survivors.

Data Sources: Mutual Fund Factsheets, AMC Personnel, NGEN Research.

Disclaimer & Disclosure

Role & Capacity: Vignesh Kamath is an AMFI-Registered Mutual Fund Distributor (ARN-151148) and NOT a SEBI Registered Investment Advisor (RIA) or Research Analyst. This document represents a Distributor Perspective and is for informational/educational purposes only; it is NOT a 'Research Report' as defined under SEBI (Research Analysts) Regulations, 2014.

Return Methodology: Returns displayed are for Regular Plan, Growth Option, based on Daily NAVs. They are point-to-point annualised rolling returns (calculated daily over the observation period). Data is based on publicly available NAVs for Regular Plans. This is a point-to-point comparison for educational purposes only. Past performance is not indicative of future results and is not guaranteed.

Conflict of Interest: As a mutual fund distributor, the proprietor receives commission from the AMCs whose schemes appear in this analysis. This presentation is not a recommendation for any specific investor profile. Direct plans of mutual funds exist which have lower expense ratios but do not offer distributor support.

Anonymized Data: To ensure objectivity and regulatory compliance, individual fund names are anonymized (e.g., Fund L1, Fund M1). Specific details of the data universe are available upon request for active clients during personal consultations.

No Assurance: No scheme-specific performance depicted herein should be construed as a 'promise' or 'assured outcome'. Mutual fund investments are subject to market risks, and the NAVs of schemes may go up or down depending upon the factors and forces affecting the securities market. Please read all scheme-related documents carefully.

General Info: The information provided in these perspectives & on VKAMATH.COM is for general awareness only. It does not constitute a personal recommendation and does not take into account the specific investment objectives, financial situation, or risk appetite of any particular user.

Liability: Under no circumstances shall these perspectives, VKAMATH.COM or its proprietor be liable for any direct, indirect, incidental, or consequential loss or damage arising out of the use of any information provided in this document.