Affluense AI AFFLUENSE

High Conviction

Nippon Life India Asset Management Ltd
PMS Multi Cap & Flexi Cap
Benchmark
S&P BSE 500 TRI
Inception Date
13 March 2014
Min. Investment
₹50,00,000
SIP Available
No
STP Available
Yes

Investment Strategy

Investment Approach

Our proprietary investment strategy employs a rigorous, bottom-up research methodology focused on identifying companies exhibiting superior fundamentals. This approach is guided by a 'Must 5' Quality framework, designed to pinpoint equities with the propensity for substantial capital appreciation within a 3-to-5-year investment horizon.

Investment Objective

We construct a concentrated, diversified portfolio comprising our foremost 20-25 high-conviction investment opportunities. This approach facilitates substantial allocations across most portfolio constituents, while simultaneously ensuring appropriate diversification.

Performance Returns

Returns as on 2025-12-31

Trailing Returns

Period Strategy Benchmark Outperformance
1 MONTH -0.40% -0.20% -0.20%
3 MONTHS 4.70% 5.00% -0.30%
6 MONTHS 2.40% 1.60% 0.80%
1 YEAR 5.10% 7.60% -2.50%
2 YEAR 11.30% 11.60% -0.30%
3 YEAR 17.80% 16.40% 1.40%
5 YEAR 15.10% 16.80% -1.70%
SINCE INCEPTION 16.80% 15.50% 1.30%

Calendar Year Performance

Year Return
CY 2025 5.10%
CY 2024 17.76%
CY 2023 32.03%
CY 2022 1.40%

Financial Year Performance

Year Return
FY 26_YTD 12.05%
FY 25 2.03%
FY 24 49.69%
FY 23 -3.00%

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

Fund Managers

With over 28 years of extensive experience in the financial services industry, Gurbir Singh Chopra possesses a distinguished track record in leadership positions encompassing sales, distribution, and portfolio management across diverse Indian markets. His career highlights include significant contributions to organisations such as Nippon Life India Asset Management, Reliance Capital Pension Fund Manager, and the ICICI Group, where he consistently drove impactful outcomes and fostered substantial organisational growth. Mr. Chopra's expertise extends to the effective management of substantial teams, the strategic acceleration of business development, and the successful acquisition of critical mandates from leading financial entities and regulatory authorities.

Portfolio Details

Portfolio Composition

Large Cap
34.38%
Mid Cap
11.70%
Small Cap
15.11%
Cash & Equivalent
10.94%

Top 5 Holdings

  • Cash & Cash Equivalents 10.94%
  • Reliance Industries Ltd 6.10%
  • Bharti Airtel Ltd. 4.99%
  • Titan Company Limited 3.99%
  • Larsen & Toubro Limited 3.28%

Top 5 Sectors

  • Financial Services 17.57%
  • Information Technology 6.84%
  • Oil, Gas & Consumable Fuels 6.10%
  • Healthcare 5.30%
  • Telecommunication 4.99%

Portfolio Characteristics

total number of stocks
28
top 5 stocks percent
29.30%
top 5 sectors percent
40.80%
average market cap
N/A
portfolio age
11 Yrs, 9 Months
sip
Not Available
stp
Available

Fee Structure

Fixed Fee

AMC: 2.5%

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)