Should I invest in IDFC Classic Equity Fund-Plan B?

We don't give personal investment advice. IDFC Classic Equity Fund-Plan B- Dividend is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 29.8%. 5-year CAGR: 7.06%.

IDFC

IDFC Classic Equity Fund-Plan B- 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	+0.52%	+0.06%	+0.46	70 / 299	Q1
1W	+0.05%	-3.61%	+3.66	142 / 303	Q2
2W	+0.33%	-4.52%	+4.85	121 / 303	Q2
1M	+4.13%	-5.64%	+9.76	68 / 302	Q1
3M	+9.51%	-4.27%	+13.78	48 / 302	Q1
6M	+6.28%	+1.48%	+4.80	120 / 307	Q2
YTD	+8.93%	-0.18%	+9.11	102 / 309	Q2
1Y	+22.49%	+7.10%	+15.39	81 / 307	Q2
2Y	-2.98%	+2.20%	-5.18	208 / 303	Q3
3Y	+10.66%	+0.76%	+9.90	87 / 264	Q2
4Y	+5.06%	+0.58%	+4.48	112 / 235	Q2
5Y	+7.06%	+0.02%	+7.04	88 / 208	Q2
7Y	+2.58%	+3.12%	-0.53	110 / 130	Q4
10Y	—	—	—	—	—
Inception	+5.02%	+0.51%	+4.51	147 / 310	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
2017 YTD	+8.93%	+29.57%	-20.64	57 / 65
2016	-1.35%	+1.07%	-2.42	55 / 88
2015	-5.45%	-3.94%	-1.51	78 / 99
2014	+28.82%	+34.59%	-5.77	85 / 133
2013	-10.35%	+0.03%	-10.37	135 / 154
2012	+37.32%	+23.57%	+13.75	27 / 190
2011	-38.62%	-23.68%	-14.94	232 / 241
2010	+14.38%	+11.69%	+2.69	113 / 256
2009	—	—	—	—

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

+3.27%

83 windows

min -36.8% · max 43.0%

54% positive

3-Year rolling

+2.94%

59 windows

min -11.6% · max 17.1%

61% positive

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

5-Year rolling

+2.62%

34 windows

min -2.8% · max 8.5%

79% positive

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

7-Year rolling

+2.14%

10 windows

min 1.2% · max 2.9%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

15.38%

3-year · annualised

Sharpe ratio

0.33

vs risk-free 6.5%

Sortino ratio

0.54

Downside-only deviation

Max drawdown

-29.83%

Feb 2015 → Mar 2016

% 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
17 Feb 2017	₹14.4979
16 Feb 2017	₹14.4226
15 Feb 2017	₹14.2835
14 Feb 2017	₹14.4246
13 Feb 2017	₹14.4552
10 Feb 2017	₹14.4900
9 Feb 2017	₹14.5032
8 Feb 2017	₹14.5218
7 Feb 2017	₹14.5172
6 Feb 2017	₹14.5420

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.

IDFC Classic Equity Fund-Plan B- Dividend is a Growth from IDFC (Unknown plan, Growth option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

IDFC Classic Equity Fund-Plan B- Dividend has NAV history starting from 20 May 2009, a track record of about 17 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 Classic Equity Fund-Plan B- Dividend is managed by IDFC. It's classified by AMFI under the 'Growth' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, IDFC Classic Equity Fund-Plan B- Dividend has delivered a absolute return of 22.49% — +15.39 pp ahead of the Growth category average of 7.10%. The fund ranks #81 of 307 in its category — the second (Q2) quartile.

Over the trailing 3-year window, IDFC Classic Equity Fund-Plan B- Dividend has delivered a CAGR of 10.66% — +9.9 pp ahead of the Growth category average of 0.76%. The fund ranks #87 of 264 in its category — the second (Q2) quartile.

Over the trailing 5-year window, IDFC Classic Equity Fund-Plan B- Dividend has delivered a CAGR of 7.06% — +7.04 pp ahead of the Growth category average of 0.02%. The fund ranks #88 of 208 in its category — the second (Q2) quartile.

₹1 lakh invested in IDFC Classic Equity Fund-Plan B- Dividend exactly 5 years ago would be worth approximately ₹140,624 today — a multiplier of 1.41×, based on the 5-year CAGR of 7.06%. The category average over the same window would have grown ₹1 lakh to ₹100,100.

A ₹10,000 monthly SIP in IDFC Classic Equity Fund-Plan B- Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹734,311 today. That's an XIRR (money-weighted annualised return) of 7.99%.

IDFC Classic Equity Fund-Plan B- Dividend doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,032,688 — XIRR 5.80%.

On a 5-year basis, IDFC Classic Equity Fund-Plan B- Dividend ranks #88 out of 208 funds in the Growth category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 0.02%; this fund delivered 7.06%.

The worst peak-to-trough decline IDFC Classic Equity Fund-Plan B- Dividend has experienced over the last 5-year window is 29.83% — its NAV fell from a high on 18 Feb 2015 to a low on 01 Mar 2016. 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 Classic Equity Fund-Plan B- Dividend averaged 2.62% (best 8.51%, worst -2.79%). 79% of rolling windows ended positive. The 5-year Sharpe ratio is 0.10 — weak risk-adjusted performance.

In calendar year 2016, IDFC Classic Equity Fund-Plan B- Dividend returned -1.35% — lagging the Growth category average of 1.07% by 2.42 pp. It ranked #55 of 88 in its category that year.

IDFC Classic Equity Fund-Plan B- Dividend doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. IDFC Classic Equity Fund-Plan B- Dividend is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 29.8%. 5-year CAGR: 7.06%.

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