Should I invest in Canara Robeco Income-Bonus Plan?

We don't give personal investment advice. Canara Robeco Income-Bonus Plan 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: 21.7%. 5-year CAGR: 1.15%.

Canara Robeco

Canara Robeco Income-Bonus Plan

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	+0.00%	-9.99%	+9.99	254 / 1129	Q1
1W	+0.02%	-13.04%	+13.06	345 / 1151	Q2
2W	+0.05%	-13.18%	+13.23	318 / 1149	Q2
1M	+0.89%	-13.26%	+14.15	99 / 1137	Q1
3M	+0.87%	-13.15%	+14.01	299 / 1116	Q2
6M	+1.50%	-15.45%	+16.95	382 / 906	Q2
YTD	+0.96%	-15.77%	+16.73	332 / 952	Q2
1Y	+1.64%	-13.09%	+14.73	385 / 820	Q2
2Y	+0.50%	-12.72%	+13.22	237 / 446	Q3
3Y	-2.17%	-11.01%	+8.84	317 / 385	Q4
4Y	-3.97%	-6.52%	+2.55	300 / 339	Q4
5Y	+1.15%	-7.36%	+8.51	154 / 314	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+2.36%	-13.63%	+15.99	357 / 1199	Q2

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
2013 YTD	+0.96%	-1.95%	+2.91	129 / 276
2012	+1.51%	+1.38%	+0.13	172 / 295
2011	+0.74%	-3.16%	+3.90	132 / 317
2010	-7.43%	-5.78%	-1.64	338 / 377
2009	-13.27%	-12.86%	-0.41	597 / 713
2008	+30.81%	-2.02%	+32.83	1 / 380
2007	+6.40%	+4.84%	+1.56	75 / 142
2006	—	—	—	—

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

+2.67%

71 windows

min -11.0% · max 29.4%

55% positive

3-Year rolling

+1.31%

47 windows

min -5.8% · max 11.1%

55% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+1.93%

23 windows

min 1.1% · max 2.9%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

—

Insufficient history

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

4.22%

3-year · annualised

Sharpe ratio

-2.05

vs risk-free 6.5%

Sortino ratio

-2.28

Downside-only deviation

Max drawdown

-9.77%

Feb 2010 → May 2011

% positive months

61.1%

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.

Recent NAVs

Date	NAV
1 Feb 2013	₹13.6088
31 Jan 2013	₹13.6086
30 Jan 2013	₹13.6146
29 Jan 2013	₹13.6241
28 Jan 2013	₹13.6172
24 Jan 2013	₹13.6055
23 Jan 2013	₹13.6051
22 Jan 2013	₹13.6098
21 Jan 2013	₹13.6065
18 Jan 2013	₹13.6020

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.

Canara Robeco Income-Bonus Plan is a Income from Canara Robeco (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

Canara Robeco Income-Bonus Plan has NAV history starting from 12 Apr 2006, a track record of about 20 years 1 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.

Canara Robeco Income-Bonus Plan is managed by Canara Robeco. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Canara Robeco Income-Bonus Plan has delivered a absolute return of 1.64% — +14.73 pp ahead of the Income category average of -13.09%. The fund ranks #385 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Canara Robeco Income-Bonus Plan has delivered a CAGR of -2.17% — +8.84 pp ahead of the Income category average of -11.01%. The fund ranks #317 of 385 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Canara Robeco Income-Bonus Plan has delivered a CAGR of 1.15% — +8.51 pp ahead of the Income category average of -7.36%. The fund ranks #154 of 314 in its category — the second (Q2) quartile.

₹1 lakh invested in Canara Robeco Income-Bonus Plan exactly 5 years ago would be worth approximately ₹105,875 today — a multiplier of 1.06×, based on the 5-year CAGR of 1.15%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in Canara Robeco Income-Bonus Plan over the last 5 years — total invested ₹600,000 — would be worth ₹583,819 today. That's an XIRR (money-weighted annualised return) of -1.07%.

Canara Robeco Income-Bonus Plan doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹583,819 — XIRR -1.07%.

On a 5-year basis, Canara Robeco Income-Bonus Plan ranks #154 out of 314 funds in the Income category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -7.36%; this fund delivered 1.15%.

The worst peak-to-trough decline Canara Robeco Income-Bonus Plan has experienced over the last 5-year window is 21.70% — its NAV fell from a high on 02 Jan 2009 to a low on 30 May 2011. 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, Canara Robeco Income-Bonus Plan averaged 1.93% (best 2.90%, worst 1.07%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.67 — negative risk-adjusted performance.

In calendar year 2012, Canara Robeco Income-Bonus Plan returned 1.51% — beating the Income category average of 1.38% by 0.13 pp. It ranked #172 of 295 in its category that year.

Canara Robeco Income-Bonus Plan 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. Canara Robeco Income-Bonus Plan 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: 21.7%. 5-year CAGR: 1.15%.

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