Should I invest in IDFC GSF - Investment Plan - Quarterly Dividend?

We don't give personal investment advice. IDFC GSF - Investment Plan - Quarterly 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: 7.7%. 5-year CAGR: 6.00%.

IDFC

IDFC GSF - Investment Plan - Quarterly 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	715 / 1129	Q3
1W	+0.14%	-13.04%	+13.18	183 / 1151	Q1
2W	-1.20%	-13.18%	+11.99	584 / 1149	Q3
1M	-0.73%	-13.26%	+12.54	544 / 1137	Q2
3M	-4.61%	-13.15%	+8.54	871 / 1116	Q4
6M	-4.30%	-15.45%	+11.15	651 / 906	Q3
YTD	-0.66%	-15.77%	+15.12	539 / 952	Q3
1Y	+0.25%	-13.09%	+13.33	420 / 820	Q3
2Y	+0.41%	-12.72%	+13.13	241 / 446	Q3
3Y	+6.07%	-11.01%	+17.08	95 / 385	Q1
4Y	+4.90%	-6.52%	+11.41	106 / 339	Q2
5Y	+6.00%	-7.36%	+13.37	87 / 314	Q2
7Y	+4.83%	+2.53%	+2.30	89 / 234	Q2
10Y	—	—	—	—	—
Inception	+3.38%	-13.63%	+17.01	346 / 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
2017 YTD	-0.66%	+1.63%	-2.28	116 / 137
2016	+0.33%	+3.02%	-2.69	118 / 181
2015	+3.73%	+2.22%	+1.51	94 / 216
2014	+16.61%	+5.51%	+11.10	8 / 240
2013	+2.60%	-1.95%	+4.55	106 / 276
2012	+9.27%	+1.38%	+7.89	95 / 295
2011	-2.96%	-3.16%	+0.20	270 / 317
2010	+3.45%	-5.78%	+9.23	120 / 377
2009	-15.10%	-12.86%	-2.25	598 / 713
2008	—	—	—	—

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

+4.16%

95 windows

min -12.5% · max 18.4%

76% positive

3-Year rolling

+4.82%

70 windows

min -3.3% · max 10.7%

93% positive

5-Year rolling

+4.58%

46 windows

min -0.8% · max 6.7%

96% positive

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

7-Year rolling

+4.44%

22 windows

min 2.7% · max 5.4%

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

4.92%

3-year · annualised

Sharpe ratio

-0.09

vs risk-free 6.5%

Sortino ratio

-0.15

Downside-only deviation

Max drawdown

-7.73%

Nov 2016 → Dec 2016

% positive months

63.9%

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
17 Feb 2017	₹14.3858
16 Feb 2017	₹14.3861
15 Feb 2017	₹14.3720
14 Feb 2017	₹14.3657
13 Feb 2017	₹14.3728
10 Feb 2017	₹14.3651
9 Feb 2017	₹14.3336
8 Feb 2017	₹14.3997
7 Feb 2017	₹14.5565
6 Feb 2017	₹14.5596

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 GSF - Investment Plan - Quarterly Dividend is a Income from IDFC (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.

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

Over the trailing 1-year window, IDFC GSF - Investment Plan - Quarterly Dividend has delivered a absolute return of 0.25% — +13.33 pp ahead of the Income category average of -13.09%. The fund ranks #420 of 820 in its category — the third (Q3) quartile.

Over the trailing 3-year window, IDFC GSF - Investment Plan - Quarterly Dividend has delivered a CAGR of 6.07% — +17.08 pp ahead of the Income category average of -11.01%. The fund ranks #95 of 385 in its category — the top (Q1) quartile.

Over the trailing 5-year window, IDFC GSF - Investment Plan - Quarterly Dividend has delivered a CAGR of 6.00% — +13.37 pp ahead of the Income category average of -7.36%. The fund ranks #87 of 314 in its category — the second (Q2) quartile.

₹1 lakh invested in IDFC GSF - Investment Plan - Quarterly Dividend exactly 5 years ago would be worth approximately ₹133,845 today — a multiplier of 1.34×, based on the 5-year CAGR of 6.00%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in IDFC GSF - Investment Plan - Quarterly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹675,061 today. That's an XIRR (money-weighted annualised return) of 4.65%.

IDFC GSF - Investment Plan - Quarterly Dividend doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹992,685 — XIRR 4.69%.

On a 5-year basis, IDFC GSF - Investment Plan - Quarterly Dividend ranks #87 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 6.00%.

The worst peak-to-trough decline IDFC GSF - Investment Plan - Quarterly Dividend has experienced over the last 5-year window is 7.73% — its NAV fell from a high on 24 Nov 2016 to a low on 27 Dec 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 GSF - Investment Plan - Quarterly Dividend averaged 4.58% (best 6.67%, worst -0.81%). 96% of rolling windows ended positive. The 5-year Sharpe ratio is -0.10 — negative risk-adjusted performance.

In calendar year 2016, IDFC GSF - Investment Plan - Quarterly Dividend returned 0.33% — lagging the Income category average of 3.02% by 2.69 pp. It ranked #118 of 181 in its category that year.

IDFC GSF - Investment Plan - Quarterly 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 GSF - Investment Plan - Quarterly 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: 7.7%. 5-year CAGR: 6.00%.

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