Affluense AI AFFLUENSE

UpperCrust Growth Fund

Moat Financial Services Pvt Ltd
PMS Multi Asset
Benchmark
NSE Multi Asset Index 1
Inception Date
30 March 2022
Min. Investment
₹50,00,000
AUM (Cr.)
₹52.68
SIP Available
No
STP Available
No

Investment Strategy

Investment Approach

The UpperCrust Growth Fund seeks to achieve investment returns by focusing on businesses that demonstrate robust corporate governance and effective capital deployment. These companies are characterized by their leadership within distinct segments of the Indian economy, underpinned by sustainable competitive moats derived from strong brands, efficient operational processes, and valuable strategic assets. Furthermore, these entities exhibit a proactive strategy for increasing their market share.

Investment Objective

The investment objective is to maintain the real value of client capital and generate consistent, long-term returns.

Performance Returns

Returns as on 2025-12-31

Trailing Returns

Period Strategy Benchmark Outperformance
1 MONTH 2.29% 0.10% 2.19%
3 MONTHS 4.35% 3.45% 0.90%
6 MONTHS 2.19% 3.54% -1.35%
1 YEAR 7.31% 9.54% -2.23%
2 YEAR 17.19% 11.18% 6.01%
3 YEAR 22.74% 12.94% 9.80%
SINCE INCEPTION 18.09% 11.34% 6.75%

Calendar Year Performance

Year Return
CY 2025 7.31%
CY 2024 27.99%

Financial Year Performance

Year Return
FY 26_YTD 15.99%
FY 25 10.45%

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

Fund Managers

Biju John

Fund Manager

Mr. Biju brings over two decades of extensive experience in the financial sector, specializing in equity analysis, portfolio administration, and investment counsel. In his role at Moat Financial Services Pvt Ltd, he is responsible for the formulation and implementation of investment methodologies aimed at achieving enduring, risk-mitigated returns. His methodical and systematic methodology integrates thorough research with sound risk controls to support clients in attaining their protracted investment objectives.

Portfolio Details

Portfolio Composition

Large Cap
0%
Mid Cap
0%
Small Cap
0%
Cash & Equivalent
0%

Top 5 Holdings

  • Undisclosed N/A
  • Undisclosed N/A
  • Undisclosed N/A
  • Undisclosed N/A
  • Undisclosed N/A

Top 5 Sectors

  • Undisclosed N/A
  • Undisclosed N/A
  • Undisclosed N/A
  • Undisclosed N/A
  • Undisclosed N/A

Portfolio Characteristics

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

Fee Structure

Fixed Fee

AMC: 2.75%

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)