quant BFSI Fund

Instead of a single return figure, it replays a one-time investment made on the first trading day of every month since 2023 and holds each for 1 to 10 years. You get the full distribution of real outcomes — how often you made money, how often you beat a fixed deposit, and the best, typical and worst annualised return you could have got depending on when you started.

A rolling return measures the return over a fixed holding period (say 5 years) from many different starting dates, not just one. It answers "what did people who held this for 5 years typically get?" instead of "what was the return between these two specific dates?" — far more honest, because it doesn't hang on a single lucky or unlucky start.

A point-to-point CAGR is one draw from history. Shift the start or end date by a few months and it can swing wildly — a fund can advertise a big number simply because its window happened to begin right after a crash. Showing the whole spread of holding-period returns removes that cherry-pick.

For every holding period we compare the fund's outcome against a modelled fixed deposit over the same years (using historical FD rates). The percentage is how often the fund ended ahead of that safe benchmark — a plain test of whether taking market risk actually paid off.

No. This is a historical record for education, not a recommendation or a prediction. A period that never lost money in the past can still lose money in the future, and a low loss percentage says nothing about whether this fund suits your goals, risk appetite or time horizon. Past performance never guarantees future results.

Most apps show trailing returns — one figure from a fixed past date to today. Reality Check shows the distribution across every possible start date in the fund's life, plus the odds of a loss and of beating an FD. It's built to reveal risk and range, not to flatter the fund.

It uses real daily NAV — the same official data the fund reports — going back to 2023 for this fund (we use its deepest available history). Nothing here is simulated or projected; every bar is a period that genuinely happened.

A one-time investment gives the cleanest, most honest measure of a holding period's return. A SIP-based version — showing the odds for monthly investing — is on the way.