5 Worst Performing Flexi Cap Mutual Funds of 2025 – Is Your Money at Risk?
Synopsis– In 2025, several Flexi Cap funds significantly underperformed the NIFTY 500 TRI, with Samco, Shriram, and Quant posting steep 1-year losses. Poor stock selection, high expense ratios, and short-term volatility made these funds unsuitable for long-term wealth creation. The review of Flexi Cap funds in 2025 showcases that a number of the schemes were […] The post 5 Worst Performing Flexi Cap Mutual Funds of 2025 – Is Your Money at Risk? appeared first on Trade Brains.
Synopsis– In 2025, several Flexi Cap funds significantly underperformed the NIFTY 500 TRI, with Samco, Shriram, and Quant posting steep 1-year losses. Poor stock selection, high expense ratios, and short-term volatility made these funds unsuitable for long-term wealth creation.
The review of Flexi Cap funds in 2025 showcases that a number of the schemes were failing to even to match its benchmark NIFTY 500 TRI performance with Samco, Shriram and Quant recording high near-term losses. Large expense ratios, poor stock selection, and volatility in the short term have played a role in poor performance in most funds. These mentioned funds are something that your money should stay away from.
1. Samco Flexi Cap Fund Direct Growth
- 1 Year 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 Amount: ₹60,000 (5000x12x1)
- Current Value: ₹56,828
| Period | Fund Return | Benchmark (NIFTY 500 TRI) |
| CAGR Since Inception | 1.58% | 12.42% |
| 1 Year | –19.83% | –2.39% |
| 3 Year | 3.37% | 15.64% |
2. Shriram Flexi Cap Fund Direct Growth
- 1-Year 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 Amount: ₹60,000 (5000x12x1)
- Current Value: ₹59,066
| Period | Fund Return | Benchmark (NIFTY 500 TRI) |
| CAGR Since Inception | 12.68% | 12.42% |
| 1 Year | –12.06% | –2.39% |
| 3 Year | 12.20% | 15.64% |
| 5 Year | 15.30% | 20.18% |
3. Taurus Flexi Cap Fund Direct Growth
- 1-Year 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 Amount: ₹60,000 (5000x12x1)
- Current Value: ₹59,661
| Period | Fund Return | Benchmark (NIFTY 500 TRI) |
| CAGR Since Inception | 10.54% | 12.42% |
| 1 Year | –7.55% | –2.39% |
| 3 Year | 12.99% | 15.64% |
| 5 Year | 16.53% | 20.18% |
Also read: How Long Do Large Cap Mutual Fund SIPs Take to Double Your Investments? A Detailed Analysis
4. Navi Flexi Cap Fund Direct Plan Growth
- 1-Year 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 Amount: ₹60,000 (5000x12x1)
- Current Value: ₹61,427
| Period | Fund Return | Benchmark (NIFTY 500 TRI) |
| CAGR Since Inception | 14.20% | 12.42% |
| 1 Year | –4.09% | –2.39% |
| 3 Year | 14.14% | 15.64% |
| 5 Year | 18.96% | 20.18% |
5. Quant Flexi Cap Fund Growth Option Direct Plan
- 1-Year 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 Amount: ₹60,000 (5000x12x1)
- Current Value: ₹58,857
| Period | Fund Return | Benchmark (NIFTY 500 TRI) |
| CAGR Since Inception | 18.68% | 12.47% |
| 1 Year | –13.28% | –0.57% |
| 3 Year | 17.97% | 16.24% |
| 5 Year | 27.11% | 20.63% |
Comparison of 5 Worst Performing Flexi Cap Funds (2025)
| Fund Name | 1-Year SIP XIRR | AUM (₹ Cr) | Expense Ratio | Invested (₹) | Current Value (₹) |
| 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 throughout all periods (vast difference with benchmark and peers).
- Shriram, Taurus and Navi are close to the benchmark but never outperformed.
- Quant flexi cap’s long-term returns are good, but the high 1Y decline (-13.28%) puts it among the worst short-term performers.
Final Thoughts
The primary objective of investing in a mutual fund is to outperform the market and give returns that are above the index. The above-mentioned funds, however, with the exception of Quant Flexi Cap, not only performed poorly over the past year but also did not perform consistently with the market over the 3-year and 5-year categories. This illustrates ineffective stock-picking skills, inefficient portfolio management and augmented downside risk to long-term investors.It is important to select the appropriate fund because schemes that underperform will destroy wealth rather than creating it.
Written by Prajwal Hegde
The post 5 Worst Performing Flexi Cap Mutual Funds of 2025 – Is Your Money at Risk? appeared first on Trade Brains.
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