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

We don't give personal investment advice. IDFC Classic Equity Fund-Plan B- Growth 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: 20.6%. 5-year CAGR: 14.12%.

IDFC

IDFC Classic Equity Fund-Plan B- Growth

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	71 / 299	Q1
1W	+0.05%	-3.61%	+3.66	143 / 303	Q2
2W	+0.33%	-4.52%	+4.85	122 / 303	Q2
1M	+4.13%	-5.64%	+9.76	69 / 302	Q1
3M	+9.51%	-4.27%	+13.78	49 / 302	Q1
6M	+6.29%	+1.48%	+4.80	119 / 307	Q2
YTD	+8.93%	-0.18%	+9.11	101 / 309	Q2
1Y	+33.83%	+7.10%	+26.72	49 / 307	Q1
2Y	+6.88%	+2.20%	+4.68	136 / 303	Q2
3Y	+18.04%	+0.76%	+17.28	39 / 264	Q1
4Y	+13.80%	+0.58%	+13.22	36 / 235	Q1
5Y	+14.12%	+0.02%	+14.10	31 / 208	Q1
7Y	+10.11%	+3.12%	+6.99	42 / 130	Q2
10Y	—	—	—	—	—
Inception	+14.61%	+0.51%	+14.10	29 / 310	Q1

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	56 / 65
2016	+7.78%	+1.07%	+6.71	16 / 88
2015	+5.03%	-3.94%	+8.97	14 / 99
2014	+28.81%	+34.59%	-5.77	86 / 133
2013	+1.69%	+0.03%	+1.66	71 / 154
2012	+37.32%	+23.57%	+13.75	28 / 190
2011	-26.80%	-23.68%	-3.12	173 / 241
2010	+14.38%	+11.69%	+2.70	112 / 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

+10.92%

84 windows

min -24.6% · max 57.9%

73% positive

3-Year rolling

+10.34%

60 windows

min -2.2% · max 22.1%

92% positive

5-Year rolling

+10.07%

35 windows

min 5.5% · max 15.7%

100% positive

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

7-Year rolling

+9.94%

11 windows

min 8.6% · max 13.0%

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

14.45%

3-year · annualised

Sharpe ratio

0.80

vs risk-free 6.5%

Sortino ratio

1.40

Downside-only deviation

Max drawdown

-20.62%

Apr 2015 → Feb 2016

% positive months

66.7%

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.

Recent NAVs

Date	NAV
17 Feb 2017	₹29.4910
16 Feb 2017	₹29.3379
15 Feb 2017	₹29.0549
14 Feb 2017	₹29.3419
13 Feb 2017	₹29.4042
10 Feb 2017	₹29.4750
9 Feb 2017	₹29.5017
8 Feb 2017	₹29.5397
7 Feb 2017	₹29.5302
6 Feb 2017	₹29.5806

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- Growth 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- Growth has NAV history starting from 17 Apr 2009, a track record of about 17 years 1 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.

IDFC Classic Equity Fund-Plan B- Growth 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- Growth has delivered a absolute return of 33.83% — +26.72 pp ahead of the Growth category average of 7.10%. The fund ranks #49 of 307 in its category — the top (Q1) quartile.

Over the trailing 3-year window, IDFC Classic Equity Fund-Plan B- Growth has delivered a CAGR of 18.04% — +17.28 pp ahead of the Growth category average of 0.76%. The fund ranks #39 of 264 in its category — the top (Q1) quartile.

Over the trailing 5-year window, IDFC Classic Equity Fund-Plan B- Growth has delivered a CAGR of 14.12% — +14.1 pp ahead of the Growth category average of 0.02%. The fund ranks #31 of 208 in its category — the top (Q1) quartile.

₹1 lakh invested in IDFC Classic Equity Fund-Plan B- Growth exactly 5 years ago would be worth approximately ₹193,568 today — a multiplier of 1.94×, based on the 5-year CAGR of 14.12%. 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- Growth over the last 5 years — total invested ₹600,000 — would be worth ₹877,606 today. That's an XIRR (money-weighted annualised return) of 15.16%.

IDFC Classic Equity Fund-Plan B- Growth doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,325,643 — XIRR 12.78%.

On a 5-year basis, IDFC Classic Equity Fund-Plan B- Growth ranks #31 out of 208 funds in the Growth category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 0.02%; this fund delivered 14.12%.

The worst peak-to-trough decline IDFC Classic Equity Fund-Plan B- Growth has experienced over the last 5-year window is 20.62% — its NAV fell from a high on 09 Apr 2015 to a low on 29 Feb 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- Growth averaged 10.07% (best 15.67%, worst 5.46%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.56 — reasonable risk-adjusted performance.

In calendar year 2016, IDFC Classic Equity Fund-Plan B- Growth returned 7.78% — beating the Growth category average of 1.07% by 6.71 pp. It ranked #16 of 88 in its category that year.

IDFC Classic Equity Fund-Plan B- Growth 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- Growth 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: 20.6%. 5-year CAGR: 14.12%.

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