Ruchi Fozdar

Ruchi Fozdar is a fund manager at JM Financial Mutual Fund with more than a decade of experience in fixed-income markets and portfolio management. She holds a BSc in Organic Chemistry and a PGDBM in Finance. Prior to joining JM Financial Mutual Fund, she worked with several financial institutions and market intermediaries, including Reliance Nippon Life Insurance and Mahindra Manulife Mutual Fund, where she gained extensive experience in fixed-income investments, treasury operations and debt market analysis. At JM Financial Mutual Fund, Ruchi serves as a co-fund manager across multiple debt and hybrid schemes, contributing to portfolio construction, liquidity management, duration strategies and fixed-income security selection. She is also involved in managing the debt allocation component of various hybrid and equity-oriented schemes. Her investment approach focuses on balancing income generation, capital preservation and risk management while adapting portfolios to changing interest-rate environments. Her expertise has made her a key member of JM Financial Mutual Fund’s fixed-income investment team, supporting consistent portfolio performance and disciplined investment decision-making across market cycles.