Should I invest in Escorts Income Plan?

We don't give personal investment advice. Escorts Income Plan-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: 10.1%. 5-year CAGR: 1.37%.

Escorts

Escorts Income Plan-Dividend

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	+0.00%	-9.99%	+9.99	268 / 1129	Q1
1W	+0.05%	-13.04%	+13.09	321 / 1151	Q2
2W	+0.11%	-13.18%	+13.29	284 / 1149	Q1
1M	+0.21%	-13.26%	+13.48	281 / 1137	Q1
3M	+0.71%	-13.15%	+13.86	323 / 1116	Q2
6M	+1.55%	-15.45%	+17.01	378 / 906	Q2
YTD	+0.28%	-15.77%	+16.05	387 / 952	Q2
1Y	+4.31%	-13.09%	+17.39	336 / 820	Q2
2Y	+5.24%	-12.72%	+17.96	140 / 446	Q2
3Y	+5.36%	-11.01%	+16.37	114 / 385	Q2
4Y	+2.19%	-6.52%	+8.71	129 / 339	Q2
5Y	+1.37%	-7.36%	+8.73	149 / 314	Q2
7Y	+1.02%	+2.53%	-1.51	139 / 234	Q3
10Y	+1.25%	+3.14%	-1.90	57 / 101	Q3
Inception	+1.37%	-13.63%	+15.00	388 / 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
2021 YTD	+0.28%	+5.14%	-4.87	35 / 42
2020	+4.88%	+5.20%	-0.32	24 / 45
2019	+5.89%	-4.85%	+10.74	8 / 56
2018	+3.25%	+1.30%	+1.95	21 / 90
2017	-5.34%	+1.63%	-6.96	136 / 137
2016	-0.97%	+3.02%	-3.99	171 / 181
2015	-0.71%	+2.22%	-2.93	195 / 216
2014	+0.40%	+5.51%	-5.11	159 / 240
2013	-1.71%	-1.95%	+0.24	224 / 276
2012	+2.76%	+1.38%	+1.39	156 / 295
2011	+3.16%	-3.16%	+6.32	100 / 317

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

+1.33%

169 windows

min -7.6% · max 8.9%

57% positive

3-Year rolling

+0.79%

145 windows

min -3.6% · max 5.4%

64% positive

5-Year rolling

+0.60%

121 windows

min -2.2% · max 2.9%

71% positive

7-Year rolling

+0.56%

96 windows

min -1.0% · max 2.3%

68% 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

2.11%

3-year · annualised

Sharpe ratio

-0.59

vs risk-free 6.5%

Sortino ratio

-1.35

Downside-only deviation

Max drawdown

-2.96%

Apr 2018 → Jun 2018

% positive months

88.9%

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
12 Feb 2021	₹12.2802
11 Feb 2021	₹12.2802
10 Feb 2021	₹12.2792
9 Feb 2021	₹12.2782
8 Feb 2021	₹12.2772
5 Feb 2021	₹12.2742
4 Feb 2021	₹12.2732
3 Feb 2021	₹12.2722
2 Feb 2021	₹12.2712
1 Feb 2021	₹12.2702

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.

Escorts Income Plan-Dividend is a Income from Escorts (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.

Escorts Income Plan-Dividend 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.

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

Over the trailing 1-year window, Escorts Income Plan-Dividend has delivered a absolute return of 4.31% — +17.39 pp ahead of the Income category average of -13.09%. The fund ranks #336 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Escorts Income Plan-Dividend has delivered a CAGR of 5.36% — +16.37 pp ahead of the Income category average of -11.01%. The fund ranks #114 of 385 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Escorts Income Plan-Dividend has delivered a CAGR of 1.37% — +8.73 pp ahead of the Income category average of -7.36%. The fund ranks #149 of 314 in its category — the second (Q2) quartile.

₹1 lakh invested in Escorts Income Plan-Dividend exactly 10 years ago would be worth approximately ₹113,177 today — a multiplier of 1.13×, based on the 10-year CAGR of 1.25%. The category average over the same window would have grown ₹1 lakh to ₹136,244.

A ₹10,000 monthly SIP in Escorts Income Plan-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹652,146 today. That's an XIRR (money-weighted annualised return) of 3.28%.

A ₹10,000 monthly SIP for 10 years in Escorts Income Plan-Dividend = ₹1,200,000 invested. It would currently be worth ₹1,294,031 (multiplier 1.08×). XIRR: 1.49%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Escorts Income Plan-Dividend ranks #149 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 1.37%.

The worst peak-to-trough decline Escorts Income Plan-Dividend has experienced over the last 5-year window is 10.05% — its NAV fell from a high on 05 May 2016 to a low on 22 Feb 2018. 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, Escorts Income Plan-Dividend averaged 0.60% (best 2.89%, worst -2.21%). 71% of rolling windows ended positive. The 5-year Sharpe ratio is -2.03 — negative risk-adjusted performance.

In calendar year 2020, Escorts Income Plan-Dividend returned 4.88% — lagging the Income category average of 5.20% by 0.32 pp. It ranked #24 of 45 in its category that year.

Escorts Income Plan-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. Escorts Income Plan-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: 10.1%. 5-year CAGR: 1.37%.

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