43%
1-year holding
of 37 windows beat the index
Avg / yr+18.7%
Equity: Multi Cap
MOAT - UpperCrust Wealth Fund
8.5
Nyra score
Independently scored
4-yr track record · since Jan 2022BlendAUM ₹1 CrSEBI-registered PMS
3Y CAGR
30.8%
vs 14.9% index
5Y CAGR
—
annualised
Since inception
17.3%
CAGR · net of fees
₹1 Cr became
₹1.89 Cr
index ₹1.49 Cr
AUM
₹1 Cr
strategy size
Minimum
₹50 L
SEBI minimum
Snapshot
What this strategy is
The Strategy aims to benefit from the long-term compounding effect of investments in great businesses, run by outstanding management for superior wealth creation. It aims to deliver superior returns by investing in stocks from sectors that can benefit from the Next trillion-dollar GDP growth
Performance · what ₹1 crore would have become
₹1.89 Cr
+89% · 1.9× your money
- This strategy₹1.89 Cr
- S&P BSE 500 Total Return Index₹1.49 Cr
₹1 Cr invested at inception (Jan 2022)4.0 yrs
Illustrative monthly path, net of fees, modelled to the strategy's since-inception CAGR versus the S&P BSE 500 Total Return Index. Not the actual NAV series; past performance is not indicative of future returns.
Returns
Trailing returns vs benchmark
Absolute for windows under a year, annualised (CAGR) beyond. Alpha is the strategy minus its benchmark.
1M
3M
6M
1Y
3Y
5Y
SI
This strategy13.4%
0.8%
12.1%
24.7%
30.8%
—
17.3%
S&P BSE 500 Total Return Index
10.4%
-1.7%
-4.3%
3.6%
14.9%
—
10.5%
Alpha
+3%
+2.5%
+16.4%
+21.1%
+15.9%
—
+6.8%
Reliability
How often it has beaten the index
Across every rolling holding period in the modelled history — the longer you hold, the more the odds have favoured the strategy.
69%
3-year holding
of 13 windows beat the index
Avg / yr+17.7%
Computed on an illustrative monthly path modelled to the since-inception CAGR — not the actual NAV series.
Risk
The quality of those returns
Returns mean little without the ride that earned them.
−11.6%
Max drawdown
-7.0%
Worst 1-yr window
12.9%
Volatility (ann.)
1.35
Sharpe ratio
A Sharpe of 1.35 means it earned a healthy return for each unit of risk taken. Size the position so a drawdown of that order is one you can sit through.
Portfolio
Under the hood — where the money sits
Spread across the market-cap curve.
Market-cap mix
- Cash / Debt100%
Concentration
Holdings—
Cash / debt buffer100%
Top holdings and the sector book stream from the live feed — ask Nyra for the current portfolio.
Manager
Who runs the money
A strategy is only as good as the hand on the wheel.
Fund manager
Investment team
MOAT · 4-yr strategy tenure · ₹1 Cr managed
Investment philosophy
MOAT's Multi Cap approach blends valuation discipline with growth conviction, tilting toward whichever side the cycle is paying for. It is benchmarked to the S&P BSE 500 Total Return Index but invests with conviction rather than hugging the index.
Conviction over the index
A focused book of roughly 30–40 holdings means the highest-conviction ideas actually move the portfolio.
Through the cycle
A 4-year track record across rallies and drawdowns — positioning shifts with the cycle rather than chasing the last quarter.
Risk first
Drawdowns are managed deliberately; the worst peak-to-trough on record is kept in check.
Nyra's read
A high-conviction multi cap strategy with a strong scorecard.
Nyra scores MOAT - UpperCrust Wealth Fund 8.5/10, on a since-inception CAGR near 17.3% and a 3-year CAGR of 30.8%. Drawdowns have stayed contained — size the position so that ride is one you can hold.
Best suited to
Investors with a 5-year-plus horizon who want active Multi Cap exposure and can sit through equity drawdowns.
Mind if
A double-digit drawdown would test your nerve, or you need ₹50 L+ to commit at the SEBI minimum.
Pairs well with
A steadier core (large-cap or hybrid) so this can play the higher-conviction satellite in your overall allocation.
Facts & fees
The fine print, in plain sight
- Inception
- Jan 2022
- Track record
- 4 years
- Category
- Equity: Multi Cap
- Style
- Blend
- Benchmark
- S&P BSE 500 Total Return Index
- Holdings
- —
- Fixed fee
- 2.75% fixed
- Performance fee
- Performance-linked
- Minimum investment
- ₹50 L
- Lock-in / exit
- Nil exit load
- Reporting
- Monthly + live login
- Regulator
- SEBI-registered PMS
PMS Sahi Hai is a SEBI-registered platform. Figures are sourced from the strategy's disclosures and the live feed; the growth chart, rolling-window and risk figures are modelled to the disclosed since-inception CAGR (illustrative, not the actual NAV series). Returns are net of fees where stated. Investments in PMS, AIF and GIFT City strategies are subject to market risk — past performance is not indicative of future results. This page is information, not investment advice.
What investors say
“I held two PMS for four years and couldn't tell you why. One 15-minute review showed me the overlap, the real post-tax number, and one fund worth replacing. Nobody had ever shown me that math.”
Rajesh K.HNI · Mumbai · ₹3.2 Cr · 2 PMS reviewedComposite client stories — names changed, numbers preserved.
FAQ
MOAT - UpperCrust Wealth Fund — common questions
What is MOAT - UpperCrust Wealth Fund?
MOAT - UpperCrust Wealth Fund is a Multi Cap PMS strategy from MOAT. It follows a Blend style, is benchmarked to the S&P BSE 500 Total Return Index, and carries a Nyra score of 8.5/10.
Who should consider MOAT - UpperCrust Wealth Fund?
It suits investors with a five-year-plus horizon who want active Multi Cap exposure and can stay invested through market drawdowns. The SEBI minimum is ₹50 L.
What returns has it delivered?
Since inception (Jan 2022) it has compounded at roughly 17.3% a year, with a 3-year CAGR of 30.8% against 14.9% for the S&P BSE 500 Total Return Index. Returns are net of fees; past performance is not a guarantee of future results.
What are the fees and lock-in?
2.75% fixed, with a performance fee of Performance-linked. Exit / lock-in terms: Nil exit load.
How risky is it?
Like all market-linked products it can fall in value; the worst drawdown on record is disclosed in the factsheet. MOAT is SEBI-registered and reports monthly. This page is information, not investment advice.
