Should I invest in IDFC - SSIF - Short Term - Monthly Dividend?

We don't give personal investment advice. IDFC - SSIF - Short Term - 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: 2.5%. 5-year CAGR: 0.10%.

IDFC

IDFC - SSIF - Short Term - Monthly Dividend

Latest NAV

₹10.4541

As of

9 Jun 2026

4,352 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	+0.00%	-8.05%	+8.05	268 / 904	Q2
1W	+0.55%	-11.69%	+12.25	27 / 779	Q1
2W	+0.72%	-11.73%	+12.45	25 / 776	Q1
1M	+0.41%	-11.74%	+12.15	136 / 772	Q1
3M	+0.70%	-11.26%	+11.96	344 / 763	Q2
6M	+0.60%	-10.38%	+10.97	348 / 749	Q2
YTD	+0.64%	-10.42%	+11.07	351 / 747	Q2
1Y	+0.49%	-8.21%	+8.70	347 / 728	Q2
2Y	+0.26%	-5.21%	+5.47	320 / 660	Q2
3Y	+0.21%	-3.97%	+4.18	310 / 644	Q2
4Y	+0.51%	+3.42%	-2.91	90 / 134	Q3
5Y	+0.10%	+3.40%	-3.29	69 / 92	Q3
7Y	+0.35%	+3.42%	-3.07	54 / 76	Q3
10Y	+0.23%	+3.83%	-3.60	54 / 66	Q4
Inception	+0.20%	-1.09%	+1.29	534 / 904	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	+0.64%	+0.43%	+0.21	35 / 49
2025	-0.07%	+2.91%	-2.99	54 / 61
2024	-0.04%	+5.21%	-5.25	58 / 62
2023	+0.09%	+3.66%	-3.57	60 / 69
2022	-0.04%	-8.21%	+8.17	148 / 224
2021	-0.08%	-6.85%	+6.77	249 / 355
2020	+1.67%	+3.44%	-1.77	311 / 433
2019	+0.15%	+4.28%	-4.12	363 / 449
2018	+0.02%	+0.48%	-0.46	148 / 205
2017	-0.12%	+1.61%	-1.73	157 / 223
2016	-0.13%	+3.44%	-3.57	171 / 223

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

+0.16%

208 windows

min -1.8% · max 2.1%

58% positive

3-Year rolling

+0.19%

184 windows

min -1.9% · max 1.7%

77% positive

5-Year rolling

+0.21%

159 windows

min -0.8% · max 0.6%

89% positive

7-Year rolling

+0.22%

135 windows

min -0.1% · max 0.5%

99% 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

1.06%

3-year · annualised

Sharpe ratio

-5.92

vs risk-free 6.5%

Sortino ratio

-9.21

Downside-only deviation

Max drawdown

-2.19%

Apr 2025 → Aug 2025

% positive months

41.7%

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 Medium to Long Duration Fund

Scheme	Fund house	NAV	As of
HDFC Charity Fund for Cancer Cure - IDCW Option - 50% IDCW Donation Option	HDFC	₹10.0554	9 Jun 2026
NIPPON INDIA FIXED MATURITY PLAN - XLI - SERIES 8 - IDCW Option	Nippon India	₹17.1519	9 Jun 2026
SBI Magnum Income Fund-Bonus	SBI	₹44.0979	9 Jun 2026
ICICI Prudential Bond Fund - Half Yearly IDCW	ICICI Prudential	₹11.1684	9 Jun 2026
Franklin India Medium to Long Duration Fund - IDCW	Franklin India	₹10.5013	9 Jun 2026
Canara Robeco Income-Growth Plan	Canara Robeco	₹56.4071	9 Jun 2026
UTI Bond Fund-Growth (for rep. After 6 months- No Load)	UTI	₹75.1515	9 Jun 2026
Birla Sun Life Income Plus (Dividend)	Birla Sun Life	₹13.0342	9 Jun 2026
IDFC - SSIF - Investment Plan - Annual Dividend	IDFC	₹11.7866	9 Jun 2026
JM Income Fund-Dividend	JM Financial	₹21.7334	9 Jun 2026

Recent NAVs

Date	NAV
9 Jun 2026	₹10.4541
8 Jun 2026	₹10.4287
5 Jun 2026	₹10.4128
4 Jun 2026	₹10.3816
3 Jun 2026	₹10.3751
2 Jun 2026	₹10.3780
1 Jun 2026	₹10.3713
31 May 2026	₹10.3702
29 May 2026	₹10.3667
27 May 2026	₹10.3608

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 09 Jun 2026, the NAV of IDFC - SSIF - Short Term - Monthly Dividend is ₹10.4541. It's a Medium to Long Duration Fund from IDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

IDFC - SSIF - Short Term - Monthly Dividend has NAV history starting from 02 Jun 2008, a track record of about 18 years. 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.

IDFC - SSIF - Short Term - Monthly Dividend is managed by IDFC. It's classified by AMFI under the 'Medium to Long Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, IDFC - SSIF - Short Term - Monthly Dividend has delivered a absolute return of 0.49% — +8.7 pp ahead of the Medium to Long Duration Fund category average of -8.21%. The fund ranks #347 of 728 in its category — the second (Q2) quartile.

Over the trailing 3-year window, IDFC - SSIF - Short Term - Monthly Dividend has delivered a CAGR of 0.21% — +4.18 pp ahead of the Medium to Long Duration Fund category average of -3.97%. The fund ranks #310 of 644 in its category — the second (Q2) quartile.

Over the trailing 5-year window, IDFC - SSIF - Short Term - Monthly Dividend has delivered a CAGR of 0.10% — -3.29 pp behind the Medium to Long Duration Fund category average of 3.40%. The fund ranks #69 of 92 in its category — the third (Q3) quartile.

₹1 lakh invested in IDFC - SSIF - Short Term - Monthly Dividend exactly 10 years ago would be worth approximately ₹102,318 today — a multiplier of 1.02×, based on the 10-year CAGR of 0.23%. The category average over the same window would have grown ₹1 lakh to ₹145,594.

A ₹10,000 monthly SIP in IDFC - SSIF - Short Term - Monthly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹603,788 today. That's an XIRR (money-weighted annualised return) of 0.25%.

A ₹10,000 monthly SIP for 10 years in IDFC - SSIF - Short Term - Monthly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,215,858 (multiplier 1.01×). XIRR: 0.26%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, IDFC - SSIF - Short Term - Monthly Dividend ranks #69 out of 92 funds in the Medium to Long Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.40%; this fund delivered 0.10%.

The worst peak-to-trough decline IDFC - SSIF - Short Term - Monthly Dividend has experienced over the last 5-year window is 2.46% — its NAV fell from a high on 14 Feb 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, IDFC - SSIF - Short Term - Monthly Dividend averaged 0.21% (best 0.62%, worst -0.77%). 89% of rolling windows ended positive. The 5-year Sharpe ratio is -5.13 — negative risk-adjusted performance.

In calendar year 2025, IDFC - SSIF - Short Term - Monthly Dividend returned -0.07% — lagging the Medium to Long Duration Fund category average of 2.91% by 2.99 pp. It ranked #54 of 61 in its category that year.

IDFC - SSIF - Short Term - 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. IDFC - SSIF - Short Term - 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: 2.5%. 5-year CAGR: 0.10%.

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