ITI Pharma and Healthcare Fund - Direct Plan - IDCW Option

ITI Pharma and Healthcare Fund - Direct Plan - IDCW Option holds up reasonably well within the Sectoral category, currently carrying a 2-star rating. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 65/100.

Cost: At 0.98%, the expense ratio is roughly in line with the Sectoral category average of 1.06% — cost isn't a standout factor either way for this fund.

Risk-adjusted performance: Over the trailing 1-year period, the fund shows a modest Sharpe ratio of 0.09 — returns have only marginally compensated for the risk taken. Separately, annualised volatility of 13.62% is fairly typical for actively managed equity funds.

Who should invest: This fund is best suited to investors whose goals and risk appetite align with a Equity fund. Given the Very High risk rating, this fund is not suited to short-term goals or investors who may need to exit within 2-3 years.