51%
1-year holding
of 37 windows beat the index
Avg / yr+3.5%
7.1
Nyra score
Independently scored
4-yr track record · since Dec 2021BlendAUM ₹3 CrSEBI-registered PMS
3Y CAGR
—
annualised
5Y CAGR
—
annualised
Since inception
2.7%
CAGR · net of fees
₹1 Cr became
₹1.11 Cr
index ₹1.17 Cr
AUM
₹3 Cr
strategy size
Minimum
₹50 L
SEBI minimum
Snapshot
What this strategy is
Uses macro signals to determine asset allocation across equity, debt, and gold. Targets 12-15% long-term returns with extremely low volatility and drawdowns. ## Age: 1 Years As On: 31 Dec 2022
Performance · what ₹1 crore would have become
₹1.11 Cr
+11% · 1.1× your money
- This strategy₹1.11 Cr
- Crisil Moderate Hybrid Index₹1.17 Cr
₹1 Cr invested at inception (Dec 2021)4.0 yrs
Illustrative monthly path, net of fees, modelled to the strategy's since-inception CAGR versus the Crisil Moderate Hybrid 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 strategy-0.4%
2.7%
5%
2.2%
—
—
2.7%
Crisil Moderate Hybrid Index
-1.6%
4.1%
9.7%
4.5%
—
—
3.9%
Alpha
+1.2%
-1.4%
-4.7%
-2.3%
—
—
-1.2%
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.
54%
3-year holding
of 13 windows beat the index
Avg / yr+2.8%
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.
−27.0%
Max drawdown
-24.3%
Worst 1-yr window
15.3%
Volatility (ann.)
—
Sharpe ratio
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.
TU
View full profile Fund manager
Team Upside AI
Upside AI · 4-yr strategy tenure · ₹3 Cr managed
Investment philosophy
Upside AI's Debt approach blends valuation discipline with growth conviction, tilting toward whichever side the cycle is paying for. It is benchmarked to the Crisil Moderate Hybrid 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 debt strategy with a mixed but improving profile.
Nyra scores Upside AI - Navigator 7.1/10, on a since-inception CAGR near 2.7%. 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 Debt 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
- Dec 2021
- Track record
- 4 years
- Category
- Debt
- Style
- Blend
- Benchmark
- Crisil Moderate Hybrid Index
- Holdings
- —
- Fixed fee
- 1.50% fixed
- Performance fee
- Performance-linked
- Minimum investment
- ₹50 L
- Lock-in / exit
- Exit Load 1 Year: 1%, 2 Year: 0%, 3 Year: 0%
- 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
Upside AI - Navigator — common questions
What is Upside AI - Navigator?
Upside AI - Navigator is a Debt PMS strategy from Upside AI, managed by Team Upside AI. It follows a Blend style, is benchmarked to the Crisil Moderate Hybrid Index, and carries a Nyra score of 7.1/10.
Who should consider Upside AI - Navigator?
It suits investors with a five-year-plus horizon who want active Debt exposure and can stay invested through market drawdowns. The SEBI minimum is ₹50 L.
What returns has it delivered?
Since inception (Dec 2021) it has compounded at roughly 2.7% a year. Returns are net of fees; past performance is not a guarantee of future results.
What are the fees and lock-in?
1.50% fixed, with a performance fee of Performance-linked. Exit / lock-in terms: Exit Load 1 Year: 1%, 2 Year: 0%, 3 Year: 0%.
How risky is it?
Like all market-linked products it can fall in value; the worst drawdown on record is disclosed in the factsheet. Upside AI is SEBI-registered and reports monthly. This page is information, not investment advice.
