Affluense AI AFFLUENSE

UpperCrust Wealth Fund

Moat Financial Services Pvt Ltd
PMS Multi Cap & Flexi Cap
Benchmark
S&P BSE 500 TRI
Inception Date
21 January 2022
Min. Investment
₹50,00,000
AUM (Cr.)
₹113.98
SIP Available
No
STP Available
No

Investment Strategy

Investment Approach

Investment decisions for the portfolio are exclusively allocated to carefully selected stocks, emphasizing robust business fundamentals. The strategy prioritizes a balanced approach, integrating growth potential with diligent risk management, and deliberately excludes investments in Initial Public Offerings (IPOs).

Investment Objective

This investment strategy is designed to capitalize on the wealth-generating potential of long-term compounding by investing in high-quality businesses led by exceptional management teams. The objective is to achieve superior returns through strategic allocation to sectors poised to benefit from India's next trillion-dollar GDP expansion.

Performance Returns

Returns as on 2025-12-31

Trailing Returns

Period Strategy Benchmark Outperformance
1 MONTH 1.94% -0.24% 2.18%
3 MONTHS 2.15% 5.02% -2.87%
6 MONTHS -2.79% 1.63% -4.42%
1 YEAR 2.60% 7.63% -5.03%
2 YEAR 20.45% 11.65% 8.80%
3 YEAR 26.77% 16.41% 10.36%
SINCE INCEPTION 15.77% 12.86% 2.91%

Calendar Year Performance

Year Return
CY 2025 2.60%
CY 2024 41.40%
CY 2023 40.41%
CY 2022 -11.01%

Financial Year Performance

Year Return
FY 26_YTD 15.69%
FY 25 14.84%
FY 24 58.79%
FY 23 -9.49%
FY 22 -4.21%

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

Fund Managers

Biju John

Fund Manager

Mr. Biju brings over two decades of extensive experience in the financial sector, specializing in equity analysis, portfolio administration, and investment counsel. In his role at Moat Financial Services Pvt Ltd, he is responsible for the formulation and implementation of investment methodologies aimed at achieving enduring, risk-mitigated returns. His methodical and systematic methodology integrates thorough research with sound risk controls to support clients in attaining their protracted investment objectives.

Portfolio Details

Portfolio Composition

Large Cap
0%
Mid Cap
0%
Small Cap
0%
Cash & Equivalent
0%

Top 5 Holdings

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

Top 5 Sectors

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

Portfolio Characteristics

total number of stocks
N/A
top 5 stocks percent
N/A
top 5 sectors percent
N/A
average market cap
N/A
portfolio age
3 Yrs, 11 Months
sip
Not Available
stp
Not Available

Fee Structure

Fixed Fee

AMC: 2.75%

Variable Fee

AMC: No Option

Hurdle: No Option

Profit Sharing: No option

Exit Load

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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)