DBS Chola

DBS CholaFreedom Income-STF-Institutional Monthly Dividend

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%	+6.99%	-6.99	189 / 763	Q1
1W	+0.08%	+6.38%	-6.29	190 / 722	Q2
2W	+0.17%	+6.63%	-6.46	200 / 725	Q2
1M	+0.03%	+6.29%	-6.26	297 / 752	Q2
3M	-10.83%	+7.87%	-18.70	700 / 728	Q4
6M	-10.08%	+9.67%	-19.75	611 / 642	Q4
YTD	+0.21%	+8.47%	-8.26	382 / 666	Q3
1Y	-7.47%	+13.70%	-21.16	562 / 591	Q4
2Y	+0.33%	-5.03%	+5.37	102 / 197	Q3
3Y	+1.44%	-3.09%	+4.52	49 / 140	Q2
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+1.48%	-3.28%	+4.77	353 / 797	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	+0.21%	-0.95%	+1.16	89 / 165
2009	-6.81%	-0.31%	-6.50	454 / 482
2008	+8.90%	-5.54%	+14.44	38 / 250
2007	+2.90%	+5.54%	-2.64	22 / 30
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

+5.07%

32 windows

min -7.5% · max 8.9%

94% positive

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

3-Year rolling

+4.23%

7 windows

min 1.4% · max 5.4%

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

6.56%

3-year · annualised

Sharpe ratio

-0.74

vs risk-free 6.5%

Sortino ratio

-0.77

Downside-only deviation

Max drawdown

-12.14%

Aug 2009 → Dec 2009

% positive months

86.1%

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
15 Feb 2010	₹11.4502
11 Feb 2010	₹11.4447
10 Feb 2010	₹11.4434
9 Feb 2010	₹11.4420
8 Feb 2010	₹11.4407
5 Feb 2010	₹11.4366
4 Feb 2010	₹11.4353
3 Feb 2010	₹11.4339
2 Feb 2010	₹11.4326
1 Feb 2010	₹11.4311

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 CholaFreedom Income-STF-Institutional Monthly Dividend is a Income from DBS Chola (Institutional 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 CholaFreedom Income-STF-Institutional Monthly Dividend has NAV history starting from 02 Aug 2006, a track record of about 19 years 10 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 CholaFreedom Income-STF-Institutional Monthly Dividend 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 CholaFreedom Income-STF-Institutional Monthly Dividend has delivered a absolute return of -7.47% — -21.16 pp behind the Income category average of 13.70%. The fund ranks #562 of 591 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, DBS CholaFreedom Income-STF-Institutional Monthly Dividend has delivered a CAGR of 1.44% — +4.52 pp ahead of the Income category average of -3.09%. The fund ranks #49 of 140 in its category — the second (Q2) quartile.

DBS CholaFreedom Income-STF-Institutional Monthly Dividend 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 CholaFreedom Income-STF-Institutional Monthly Dividend exactly 3 years ago would be worth approximately ₹104,373 today — a multiplier of 1.04×, based on the 3-year CAGR of 1.44%. The category average over the same window would have grown ₹1 lakh to ₹91,024.

A ₹10,000 monthly SIP in DBS CholaFreedom Income-STF-Institutional Monthly Dividend over the last 3 years — total invested ₹360,000 — would be worth ₹349,941 today. That's an XIRR (money-weighted annualised return) of -1.82%.

DBS CholaFreedom Income-STF-Institutional Monthly Dividend doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹349,941 — XIRR -1.82%.

On a 3-year basis, DBS CholaFreedom Income-STF-Institutional Monthly Dividend ranks #49 out of 140 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 -3.09%; this fund delivered 1.44%.

The worst peak-to-trough decline DBS CholaFreedom Income-STF-Institutional Monthly Dividend has experienced over the last 3-year window is 12.14% — its NAV fell from a high on 28 Aug 2009 to a low on 30 Dec 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 CholaFreedom Income-STF-Institutional Monthly Dividend averaged 4.23% (best 5.43%, worst 1.43%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -0.74 — negative risk-adjusted performance.

In calendar year 2009, DBS CholaFreedom Income-STF-Institutional Monthly Dividend returned -6.81% — lagging the Income category average of -0.31% by 6.50 pp. It ranked #454 of 482 in its category that year.

DBS CholaFreedom Income-STF-Institutional 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. DBS CholaFreedom Income-STF-Institutional 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.

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