Affluense AI AFFLUENSE

Diversified Fund

Ckredence Wealth Management Pvt Ltd
PMS Multi Cap & Flexi Cap
Benchmark
S&P BSE 500 TRI
Inception Date
23 June 2021
Min. Investment
₹1,00,00,000
SIP Available
Yes
STP Available
No

Investment Strategy

Investment Approach

Our investment strategy integrates both top-down and bottom-up methodologies. Typically, large-capitalization equities are identified through a top-down framework, while a bottom-up approach proves effective for discovering small and mid-capitalization opportunities. The relative emphasis placed on each approach will be dynamically adjusted based on prevailing macroeconomic conditions, sector-specific trends, and individual company fundamentals.

Investment Objective

This investment strategy emphasizes broad market exposure through a curated selection of equities. The portfolio is designed to mitigate risk by avoiding over-allocation to any single security or industry segment. The portfolio management team seeks to achieve sustained capital growth and enhanced returns by deploying capital across companies of varying market capitalizations. The typical portfolio composition will range between 35 and 45 distinct equity holdings.

Performance Returns

Returns as on 2025-12-31

Trailing Returns

Period Strategy Benchmark Outperformance
1 MONTH 1.23% -0.24% 1.47%
3 MONTHS 5.12% 5.02% 0.10%
6 MONTHS 6.99% 1.63% 5.36%
1 YEAR 6.99% 7.63% -0.64%
2 YEAR 11.16% 11.65% -0.49%
3 YEAR 21.80% 16.41% 5.39%
SINCE INCEPTION 18.25% 14.44% 3.81%

Calendar Year Performance

Year Return
CY 2025 6.99%
CY 2024 15.49%
CY 2023 46.60%
CY 2022 3.90%
CY 2021 14.19%

Financial Year Performance

Year Return
FY 26_YTD 16.46%
FY 25 3.15%
FY 24 54.84%
FY 23 3.44%
FY 22 10.67%

Past performance is not indicative of future results. Returns are subject to market risks.

Fund Managers

Portfolio Management Services are overseen by Mr. Kartik Bhaskerray Mehta, who serves as the Fund Manager. He holds an MBA in Finance from the Indian Institute of Finance, Delhi, and possesses over two decades of experience in financial and equity management, contributing significant market acumen. His prior roles at reputable organizations including IDFC Asset Management Ltd., Canara Robeco Asset Management Ltd., Sushil Financial Services Pvt Ltd, and Asset Alliance Securities Pvt Ltd, establish him as a well-qualified professional for managing client portfolios and developing robust investment strategies.

Portfolio Details

Portfolio Composition

Large Cap
35.00%
Mid Cap
25.86%
Small Cap
29.61%
Cash & Equivalent
9.53%

Top 5 Holdings

  • Undisclosed N/A
  • Undisclosed N/A
  • Undisclosed N/A
  • Undisclosed N/A
  • Undisclosed N/A

Top 5 Sectors

  • Healthcare 22.79%
  • Capital Goods 16.57%
  • Automobile and Auto Components 10.47%
  • Metals & Mining 9.73%
  • Financial Services 7.51%

Portfolio Characteristics

total number of stocks
N/A
top 5 stocks percent
N/A
top 5 sectors percent
67.07%
average market cap
N/A
portfolio age
4 Yrs, 6 Months
sip
Available
stp
Not Available

Fee Structure

Fixed Fee

AMC: 2.5%

Variable Fee

AMC: No Option

Hurdle: 8.00% or 7.00%

Profit Sharing: 25% Profit Sharing above 7% Hurdle or 20% Profit Sharing above 8% Hurdle

Exit Load

Year 1: 2%

Year 2: 1%

Year 3: 0%

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Disclaimer

Returns are as of 2025-12-31. Returns for periods up to one year are not annualized. Returns for periods exceeding one year are annualized. Returns are computed using the Time Weighted Rate of Return (TWRR) methodology and are provided by the respective Asset Management Companies (AMCs). 'ND' denotes 'No Data', and 'NA' denotes 'Not Applicable'. The performance of the respective Benchmark Indices is presented above. Benchmark(s) are as defined in SEBI circular no. SEBI/HO/IMD/IMD-PoD-2/P/CIR/2022/172 dated December 16, 2022, APMI circular no. APMI/2022-23/02 dated March 23, 2023, and Revised Annexure-1.

This page is provided solely for general informational purposes in relation to the strategy and is based on publicly available information. While reasonable care has been taken to ensure accuracy, the information may not reflect the most recent updates.

Nothing on this page constitutes investment, financial, or legal advice. Investment decisions should be made after consulting a qualified advisor and reviewing official scheme documents.

Last Updated: January 2026 · Published by Affluense AI (affluense.ai)