Rule-based · EMA 50/200 crossover · fund · inception 2026-07-05

MF Golden Cross — Large Cap

Started with ₹10,00,000 · max 13% per position (8 slots).

Rule-based strategy

How this strategy works

A 50/200 EMA crossover on mutual-fund NAVs — a long-horizon golden-cross rule.

Buy rule: Buys a fund on the day its 50-day NAV moving average crosses ABOVE its 200-day — a golden cross, the classic long-term uptrend signal (the slow 200-day average suits the smoother, slower-moving nature of fund NAVs).
Sell rule: Sells on the day the 50-day average crosses back BELOW the 200-day — the death cross.
Universe: Trades large-cap equity mutual funds, using each fund's NAV.
Which names: When more funds qualify than there are slots, they fill in signal order (deterministic).
Position sizing: Starts fully in cash, buys only on a fresh golden cross, 13% per fund (~8 slots). NAV is net of the MF exit load (charged when a fund is redeemed within a year), and post-tax returns apply equity-MF capital-gains rules (20% short-term, 12.5% long-term after a year).

NAV · 2026-09-08

₹10,06,657

Since inception

+0.7%

Open positions

Cash

₹458

Costs paid (in NAV)

₹50

Tax accrued · post-tax NAV

₹0 · ₹10,06,657

Backtest · 2018-09-28 → 2026-09-04

If this rulebook had run for the last 5 years

Growth of ₹100 vs NIFTY 500

as of 2026-09-04

1Y return

-5.4%

3Y CAGR

+6.0%

5Y CAGR

+6.4%

CAGR · 8.0y

+6.9%

since earliest NAV

Volatility

13.8%

annualised

Sharpe

0.03

rf 6.5%

Sortino

0.04

rf 6.5%

Max drawdown

-30.2%

From NAV history 2018-09-28 → 2026-09-04 · 96 monthly observations. Risk-free 6.5% for Sharpe/Sortino.

Execution costs of ₹29,708 are already inside this curve. Realized tax (FIFO, STCG/LTCG netted per FY): ₹87,269 → post-tax total return +61.6% vs +70.3% pre-tax.

Survivor-only backtest. The universe is today’s Atlas-scored names applied backwards, so stocks that delisted or collapsed never appear. Real drawdowns would be worse — read these returns as an optimistic upper bound, not a promise.

Live paper-track

NAV since inception

as of 2026-09-08

Exposure

Sector weights vs NIFTY 500

Funds100.0% vs 0.0% (+100.0)

Thick bar = this portfolio · thin bar = NIFTY 500 sector weight.

Atlas read

What the lens engine says about this book

Weighted composite

—

Above 50 EMA

—

Above 200 EMA

—

Weighted RS 3M

—

Risk flags

Open positions

Holdings (8)

Instrument	Sector	Qty	Avg cost	Last	Value	Weight	P&L	Comp	Tech	Flow	Val	RS 3M	EMA 50/200
Taurus Largecap Equity Dir Gr fund	—	735.508	169.94	176.86	₹1,30,082	12.9%	+4.1%	—	—	—	—	—	—/—
Bandhan Large Cap Dir Gr fund	—	1,394.789	89.18	90.24	₹1,25,864	12.5%	+1.2%	—	—	—	—	—	—/—
Baroda BNP P Large Cap Dir Gr fund	—	489.878	255.15	256.12	₹1,25,467	12.5%	+0.4%	—	—	—	—	—	—/—
Bajaj Finserv Large Cap Dir Gr fund	—	12,139.578	10.28	10.27	₹1,24,698	12.4%	-0.1%	—	—	—	—	—	—/—
WhiteOak Capital Large Cap Dir Gr fund	—	7,898.295	15.85	15.69	₹1,23,948	12.3%	-1.0%	—	—	—	—	—	—/—
Motilal Oswal Large Cap Dir Gr fund	—	8,885.695	14.08	13.88	₹1,23,312	12.2%	-1.4%	—	—	—	—	—	—/—
Tata Large Cap Dir Gr fund	—	210.694	593.25	579.76	₹1,22,151	12.1%	-2.3%	—	—	—	—	—	—/—
SBI Large Cap Reg Gr fund	—	1,321.045	94.62	90.92	₹1,20,114	11.9%	-3.9%	—	—	—	—	—	—/—

Audit trail

Transactions

Date	Instrument	Side	Qty	Price	Value	Cost	Realized P&L	Days	Bucket	Tax	Conviction	Reason
2026-07-16	Baroda BNP P Large Cap Dir Gr	buy	489.878	255.15	₹1,24,992	₹6.25	—	—	—	—	—	signal
2026-07-16	Taurus Largecap Equity Dir Gr	buy	735.508	169.94	₹1,24,992	₹6.25	—	—	—	—	—	signal
2026-07-15	Motilal Oswal Large Cap Dir Gr	buy	8,885.695	14.08	₹1,25,092	₹6.25	—	—	—	—	—	signal
2026-07-14	Bajaj Finserv Large Cap Dir Gr	buy	12,139.578	10.28	₹1,24,831	₹6.24	—	—	—	—	—	signal
2026-07-13	WhiteOak Capital Large Cap Dir Gr	buy	7,898.295	15.85	₹1,25,212	₹6.26	—	—	—	—	—	signal
2026-07-08	Bandhan Large Cap Dir Gr	buy	1,394.789	89.18	₹1,24,386	₹6.22	—	—	—	—	—	signal