5 Worst Performing Flexi Cap Mutual Funds of 2025 – Is Your Money at Risk?

Synopsis– In 2025, several Flexi Cap funds significantly underperformed the NIFTY 500 TRI, with Samco, Shriram, and Quant posting steep 1-year losses. Poor stock selection, high expense ratios, and short-term volatility made these funds unsuitable for long-term wealth creation.

The review of Flexi Cap funds in 2025 showcases that a number of the schemes were failing to even to match its benchmark NIFTY 500 TRI performance with Samco, Shriram and Quant recording high near-term losses. Large expense ratios, poor stock selection, and volatility in the short term have played a role in poor performance in most funds. These mentioned funds are something that your money should stay away from.

 1. Samco Flexi Cap Fund Direct Growth

• 1 Year SIP XIRR: -11.37%
• AUM: ₹413 Crores as on 31-07-2025
• Expense Ratio: 0.96%
• NAV: ₹10.55 (as on 28-08-2025)
• Invested Amount: ₹60,000 (5000x12x1)
• Current Value: ₹56,828

2. Shriram Flexi Cap Fund Direct Growth

• 1-Year SIP XIRR: -3.4%
• AUM: ₹136 Crores as on 31-07-2025
• Expense Ratio: 0.83%
• NAV: ₹22.41 (as on 28-08-2025)
• Invested Amount: ₹60,000 (5000x12x1)
• Current Value: ₹59,066

3. Taurus Flexi Cap Fund Direct Growth

• 1-Year SIP XIRR: -1.24%
• AUM: ₹355 Crores as on 31-07-2025
• Expense Ratio: 2.57%%
• NAV: ₹229.51 (as on 28-08-2025)
• Invested Amount: ₹60,000 (5000x12x1)
• Current Value: ₹59,661

Also read: How Long Do Large Cap Mutual Fund SIPs Take to Double Your Investments? A Detailed Analysis

4. Navi Flexi Cap Fund Direct Plan Growth

• 1-Year SIP XIRR: 5.28%
• AUM: ₹255 Crores as on 31-07-2025
• Expense Ratio: 0.56%
• NAV: ₹25.84 (as on 28-08-2025)
• Invested Amount: ₹60,000 (5000x12x1)
• Current Value: ₹61,427

5. Quant Flexi Cap Fund Growth Option Direct Plan

• 1-Year SIP XIRR: -4.16%
• AUM: ₹7,011 Crores as on 31-07-2025
• Expense Ratio: 0.66%
• NAV: ₹104.11 (as on 28-08-2025)
• Invested Amount: ₹60,000 (5000x12x1)
• Current Value: ₹58,857

Comparison of 5 Worst Performing Flexi Cap Funds (2025)

Key Observations

• Samco is the clear underperformer throughout all periods (vast difference with benchmark and peers).
• Shriram, Taurus and Navi are close to the benchmark but never outperformed.
• Quant flexi cap’s long-term returns are good, but the high 1Y decline (-13.28%) puts it among the worst short-term performers.

Final Thoughts

The primary objective of investing in a mutual fund is to outperform the market and give returns that are above the index. The above-mentioned funds, however, with the exception of Quant Flexi Cap, not only performed poorly over the past year but also did not perform consistently with the market over the 3-year and 5-year categories. This illustrates ineffective stock-picking skills, inefficient portfolio management and augmented downside risk to long-term investors.It is important to select the appropriate fund because schemes that underperform will destroy wealth rather than creating it.

Written by Prajwal Hegde