Should I invest in Bharti AXA Short Term Income Fund- Monthly Dividend?

We don't give personal investment advice. Bharti AXA Short Term Income Fund-Regular Plan- Monthly Dividend is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.8%. 5-year CAGR: 10.11%.

Bharti AXA

Bharti AXA Short Term Income Fund-Regular Plan- Monthly Dividend

Latest NAV

₹14.3707

As of

12 Jun 2026

4,212 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	-0.05%	-0.02%	-0.03	23 / 49	Q2
1W	+0.60%	+0.47%	+0.13	26 / 49	Q3
2W	+0.81%	+0.67%	+0.14	28 / 49	Q3
1M	+0.79%	+0.55%	+0.24	16 / 49	Q2
3M	+1.09%	+0.60%	+0.49	19 / 49	Q2
6M	+2.01%	+0.86%	+1.15	14 / 49	Q2
YTD	+1.76%	+0.87%	+0.89	15 / 49	Q2
1Y	+4.47%	+2.03%	+2.45	11 / 49	Q1
2Y	+7.41%	+3.28%	+4.12	3 / 48	Q1
3Y	+6.91%	+3.31%	+3.60	5 / 46	Q1
4Y	+8.54%	+3.62%	+4.91	1 / 36	Q1
5Y	+10.11%	+3.24%	+6.87	1 / 35	Q1
7Y	+5.24%	+2.94%	+2.30	10 / 29	Q2
10Y	+3.32%	+2.35%	+0.98	8 / 23	Q2
Inception	+1.97%	+2.91%	-0.94	28 / 49	Q3

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+1.76%	+0.46%	+1.30	10 / 41
2025	+7.02%	+3.43%	+3.59	14 / 44
2024	+9.11%	+3.72%	+5.39	1 / 46
2023	+5.93%	+3.07%	+2.86	14 / 44
2022	+26.94%	+2.80%	+24.15	1 / 40
2021	+3.05%	+1.23%	+1.82	6 / 29
2020	-1.13%	+4.49%	-5.62	29 / 31
2019	-15.08%	-0.31%	-14.77	29 / 29
2018	+0.54%	+1.82%	-1.28	11 / 25
2017	-0.88%	+1.56%	-2.45	20 / 24
2016	+0.06%	+4.09%	-4.02	20 / 23

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+2.41%

201 windows

min -18.3% · max 28.0%

67% positive

3-Year rolling

+1.96%

177 windows

min -7.1% · max 14.0%

64% positive

5-Year rolling

+1.30%

153 windows

min -4.6% · max 10.3%

75% positive

7-Year rolling

+0.59%

128 windows

min -2.7% · max 5.2%

69% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

1.32%

3-year · annualised

Sharpe ratio

0.16

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.60%

Mar 2026 → Apr 2026

% positive months

100.0%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Short Duration Fund

Scheme	Fund house	NAV	As of
Invesco India Short Duration Fund - Regular Plan - Daily IDCW (Reinvestment)	Invesco	₹1,036.8661	12 Jun 2026
Bandhan Short Duration Fund - Regular Plan - Annual IDCW	Bandhan	₹10.7494	12 Jun 2026
Aditya Birla Sun Life Short Term Fund - REGULAR - Quarterly IDCW	Aditya Birla Sun Life	₹10.4482	12 Jun 2026
Mirae Asset Short Duration Fund - Regular Plan - IDCW	Mirae Asset	₹16.4228	12 Jun 2026
Kotak Bond Short Term Plan - Regular Plan - Normal Dividend	Kotak	₹12.1101	12 Jun 2026
HSBC Short Duration Fund - Regular Plan - Monthly IDCW	HSBC	₹11.1494	12 Jun 2026
Baroda BNP Paribas Short Duration Fund - Regular Plan - Monthly IDCW Option	Baroda BNP Paribas	₹10.1615	12 Jun 2026
CANARA ROBECO SHORT DURATION FUND - REGULAR PLAN - MONTHLY IDCW (Payout/Reinvestment)	Canara Robeco	₹15.7462	12 Jun 2026
UTI Short Duration Fund - Regular Plan - Annual IDCW	UTI	₹14.7156	12 Jun 2026
Axis Short Duration Fund - Regular Plan - Monthly IDCW	Axis	₹10.1308	12 Jun 2026

Recent NAVs

Date	NAV
12 Jun 2026	₹14.3707
11 Jun 2026	₹14.3557
10 Jun 2026	₹14.3633
9 Jun 2026	₹14.3564
8 Jun 2026	₹14.3288
5 Jun 2026	₹14.3084
4 Jun 2026	₹14.2705
3 Jun 2026	₹14.2583
2 Jun 2026	₹14.2656
1 Jun 2026	₹14.2540

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 12 Jun 2026, the NAV of Bharti AXA Short Term Income Fund-Regular Plan- Monthly Dividend is ₹14.3707. It's a Short Duration Fund from Bharti AXA, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Bharti AXA Short Term Income Fund-Regular Plan- Monthly Dividend has NAV history starting from 22 Dec 2008, a track record of about 17 years 5 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

Bharti AXA Short Term Income Fund-Regular Plan- Monthly Dividend is managed by Bharti AXA. It's classified by AMFI under the 'Short Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Bharti AXA Short Term Income Fund-Regular Plan- Monthly Dividend has delivered a absolute return of 4.47% — +2.45 pp ahead of the Short Duration Fund category average of 2.03%. The fund ranks #11 of 49 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Bharti AXA Short Term Income Fund-Regular Plan- Monthly Dividend has delivered a CAGR of 6.91% — +3.6 pp ahead of the Short Duration Fund category average of 3.31%. The fund ranks #5 of 46 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Bharti AXA Short Term Income Fund-Regular Plan- Monthly Dividend has delivered a CAGR of 10.11% — +6.87 pp ahead of the Short Duration Fund category average of 3.24%. The fund ranks #1 of 35 in its category — the top (Q1) quartile.

₹1 lakh invested in Bharti AXA Short Term Income Fund-Regular Plan- Monthly Dividend exactly 10 years ago would be worth approximately ₹138,677 today — a multiplier of 1.39×, based on the 10-year CAGR of 3.32%. The category average over the same window would have grown ₹1 lakh to ₹126,103.

A ₹10,000 monthly SIP in Bharti AXA Short Term Income Fund-Regular Plan- Monthly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹742,944 today. That's an XIRR (money-weighted annualised return) of 8.47%.

A ₹10,000 monthly SIP for 10 years in Bharti AXA Short Term Income Fund-Regular Plan- Monthly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,631,127 (multiplier 1.36×). XIRR: 5.98%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Bharti AXA Short Term Income Fund-Regular Plan- Monthly Dividend ranks #1 out of 35 funds in the Short Duration Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 3.24%; this fund delivered 10.11%.

The worst peak-to-trough decline Bharti AXA Short Term Income Fund-Regular Plan- Monthly Dividend has experienced over the last 5-year window is 0.80% — its NAV fell from a high on 07 Apr 2022 to a low on 06 May 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Bharti AXA Short Term Income Fund-Regular Plan- Monthly Dividend averaged 1.30% (best 10.29%, worst -4.61%). 75% of rolling windows ended positive. The 5-year Sharpe ratio is 0.46 — weak risk-adjusted performance.

In calendar year 2025, Bharti AXA Short Term Income Fund-Regular Plan- Monthly Dividend returned 7.02% — beating the Short Duration Fund category average of 3.43% by 3.59 pp. It ranked #14 of 44 in its category that year.

Bharti AXA Short Term Income Fund-Regular Plan- Monthly Dividend is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. Bharti AXA Short Term Income Fund-Regular Plan- Monthly Dividend is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.8%. 5-year CAGR: 10.11%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.