Should I invest in DBS Chola Monthly Income Plan -Reg.-Quarterly Dividend Plan?

We don't give personal investment advice. DBS Chola Monthly Income Plan -Reg.-Quarterly Dividend 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.

DBS Chola

DBS Chola Monthly Income Plan -Reg.-Quarterly Dividend 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	257 / 1129	Q1
1W	+0.03%	-13.04%	+13.07	342 / 1151	Q2
2W	-0.23%	-13.18%	+12.95	435 / 1149	Q2
1M	-1.18%	-13.26%	+12.08	599 / 1137	Q3
3M	-1.50%	-13.15%	+11.64	791 / 1116	Q3
6M	-1.09%	-15.45%	+14.36	580 / 906	Q3
YTD	-0.86%	-15.77%	+14.92	566 / 952	Q3
1Y	+0.95%	-13.09%	+14.03	393 / 820	Q2
2Y	-4.71%	-12.72%	+8.02	365 / 446	Q4
3Y	+3.04%	-11.01%	+14.05	137 / 385	Q2
4Y	+2.97%	-6.52%	+9.49	120 / 339	Q2
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+3.07%	-13.63%	+16.70	347 / 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
2010 YTD	-0.86%	-5.78%	+4.92	302 / 377
2009	+2.07%	-12.86%	+14.92	286 / 713
2008	-4.20%	-2.02%	-2.18	282 / 380
2007	+11.66%	+4.84%	+6.82	28 / 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

+4.42%

36 windows

min -10.9% · max 21.8%

75% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+3.96%

11 windows

min 2.9% · max 5.1%

100% positive

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

5-Year rolling

—

Insufficient history

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

8.92%

3-year · annualised

Sharpe ratio

-0.35

vs risk-free 6.5%

Sortino ratio

-0.62

Downside-only deviation

Max drawdown

-13.07%

Feb 2008 → Mar 2009

% positive months

52.8%

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
15 Feb 2010	₹11.6543
11 Feb 2010	₹11.6608
10 Feb 2010	₹11.6482
9 Feb 2010	₹11.6571
8 Feb 2010	₹11.6510
5 Feb 2010	₹11.6315
4 Feb 2010	₹11.6660
3 Feb 2010	₹11.6950
2 Feb 2010	₹11.6661
1 Feb 2010	₹11.6815

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.

DBS Chola Monthly Income Plan -Reg.-Quarterly Dividend Plan is a Income from DBS Chola (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.

DBS Chola Monthly Income Plan -Reg.-Quarterly Dividend Plan has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 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.

DBS Chola Monthly Income Plan -Reg.-Quarterly Dividend Plan is managed by DBS Chola. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, DBS Chola Monthly Income Plan -Reg.-Quarterly Dividend Plan has delivered a absolute return of 0.95% — +14.03 pp ahead of the Income category average of -13.09%. The fund ranks #393 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, DBS Chola Monthly Income Plan -Reg.-Quarterly Dividend Plan has delivered a CAGR of 3.04% — +14.05 pp ahead of the Income category average of -11.01%. The fund ranks #137 of 385 in its category — the second (Q2) quartile.

DBS Chola Monthly Income Plan -Reg.-Quarterly Dividend Plan doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in DBS Chola Monthly Income Plan -Reg.-Quarterly Dividend Plan exactly 3 years ago would be worth approximately ₹109,399 today — a multiplier of 1.09×, based on the 3-year CAGR of 3.04%. The category average over the same window would have grown ₹1 lakh to ₹70,476.

A ₹10,000 monthly SIP in DBS Chola Monthly Income Plan -Reg.-Quarterly Dividend Plan over the last 3 years — total invested ₹360,000 — would be worth ₹363,464 today. That's an XIRR (money-weighted annualised return) of 0.62%.

DBS Chola Monthly Income Plan -Reg.-Quarterly Dividend Plan doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹363,464 — XIRR 0.62%.

On a 3-year basis, DBS Chola Monthly Income Plan -Reg.-Quarterly Dividend Plan ranks #137 out of 385 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 -11.01%; this fund delivered 3.04%.

The worst peak-to-trough decline DBS Chola Monthly Income Plan -Reg.-Quarterly Dividend Plan has experienced over the last 3-year window is 13.07% — its NAV fell from a high on 29 Feb 2008 to a low on 30 Mar 2009. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, DBS Chola Monthly Income Plan -Reg.-Quarterly Dividend Plan averaged 3.96% (best 5.12%, worst 2.88%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -0.35 — negative risk-adjusted performance.

In calendar year 2009, DBS Chola Monthly Income Plan -Reg.-Quarterly Dividend Plan returned 2.07% — beating the Income category average of -12.86% by 14.92 pp. It ranked #286 of 713 in its category that year.

DBS Chola Monthly Income Plan -Reg.-Quarterly Dividend 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. DBS Chola Monthly Income Plan -Reg.-Quarterly Dividend 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.

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