Should I invest in IDFC GSF-Provident Fund-Inst Plan B-Quarterly Dividend?

We don't give personal investment advice. IDFC GSF-Provident Fund-Inst Plan B-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: 10.8%. 5-year CAGR: 0.30%.

IDFC

IDFC GSF-Provident Fund-Inst Plan B-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%	+0.01%	-0.01	43 / 67	Q3
1W	+0.16%	-10.06%	+10.21	21 / 69	Q2
2W	-1.20%	-9.67%	+8.47	59 / 73	Q4
1M	-0.71%	-9.89%	+9.18	51 / 72	Q3
3M	-4.60%	-12.90%	+8.31	63 / 76	Q4
6M	-4.27%	-12.24%	+7.97	61 / 76	Q4
YTD	-0.60%	-12.22%	+11.62	49 / 75	Q3
1Y	+0.38%	-10.28%	+10.65	47 / 75	Q3
2Y	-0.87%	-12.45%	+11.58	51 / 71	Q3
3Y	+0.99%	-16.88%	+17.87	41 / 70	Q3
4Y	-0.15%	-23.11%	+22.96	41 / 65	Q3
5Y	+0.30%	-27.10%	+27.40	35 / 60	Q3
7Y	+0.98%	-19.22%	+20.20	27 / 49	Q3
10Y	—	—	—	—	—
Inception	+0.90%	-18.29%	+19.19	51 / 85	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
2017 YTD	-0.60%	-1.07%	+0.48	12 / 23
2016	+0.43%	+8.41%	-7.98	25 / 27
2015	+0.97%	+0.91%	+0.06	27 / 36
2014	+3.30%	+5.14%	-1.84	37 / 43
2013	-2.26%	-3.23%	+0.97	32 / 48
2012	+1.00%	+5.57%	-4.57	48 / 55
2011	+1.76%	+2.07%	-0.31	40 / 59
2010	+0.72%	+0.75%	-0.02	51 / 68
2009	-15.69%	-6.22%	-9.47	62 / 65
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

+1.11%

95 windows

min -15.1% · max 11.5%

71% positive

3-Year rolling

+1.08%

70 windows

min -2.7% · max 3.4%

94% positive

5-Year rolling

+0.93%

46 windows

min -3.0% · max 1.9%

91% positive

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

7-Year rolling

+0.90%

22 windows

min -1.4% · max 1.8%

91% 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

6.40%

3-year · annualised

Sharpe ratio

-0.82

vs risk-free 6.5%

Sortino ratio

-1.08

Downside-only deviation

Max drawdown

-9.43%

Dec 2014 → Jun 2015

% 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	₹11.4337
16 Feb 2017	₹11.4337
15 Feb 2017	₹11.4221
14 Feb 2017	₹11.4169
13 Feb 2017	₹11.4227
10 Feb 2017	₹11.4160
9 Feb 2017	₹11.3902
8 Feb 2017	₹11.4443
7 Feb 2017	₹11.5708
6 Feb 2017	₹11.5733

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-Provident Fund-Inst Plan B-Quarterly Dividend is a Gilt 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-Provident Fund-Inst Plan B-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-Provident Fund-Inst Plan B-Quarterly Dividend is managed by IDFC. It's classified by AMFI under the 'Gilt' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, IDFC GSF-Provident Fund-Inst Plan B-Quarterly Dividend has delivered a absolute return of 0.38% — +10.65 pp ahead of the Gilt category average of -10.28%. The fund ranks #47 of 75 in its category — the third (Q3) quartile.

Over the trailing 3-year window, IDFC GSF-Provident Fund-Inst Plan B-Quarterly Dividend has delivered a CAGR of 0.99% — +17.87 pp ahead of the Gilt category average of -16.88%. The fund ranks #41 of 70 in its category — the third (Q3) quartile.

Over the trailing 5-year window, IDFC GSF-Provident Fund-Inst Plan B-Quarterly Dividend has delivered a CAGR of 0.30% — +27.4 pp ahead of the Gilt category average of -27.10%. The fund ranks #35 of 60 in its category — the third (Q3) quartile.

₹1 lakh invested in IDFC GSF-Provident Fund-Inst Plan B-Quarterly Dividend exactly 5 years ago would be worth approximately ₹101,487 today — a multiplier of 1.01×, based on the 5-year CAGR of 0.30%. The category average over the same window would have grown ₹1 lakh to ₹20,585.

A ₹10,000 monthly SIP in IDFC GSF-Provident Fund-Inst Plan B-Quarterly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹604,080 today. That's an XIRR (money-weighted annualised return) of 0.27%.

IDFC GSF-Provident Fund-Inst Plan B-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 ₹857,130 — XIRR 0.57%.

On a 5-year basis, IDFC GSF-Provident Fund-Inst Plan B-Quarterly Dividend ranks #35 out of 60 funds in the Gilt category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -27.10%; this fund delivered 0.30%.

The worst peak-to-trough decline IDFC GSF-Provident Fund-Inst Plan B-Quarterly Dividend has experienced over the last 5-year window is 10.84% — its NAV fell from a high on 27 May 2013 to a low on 19 Aug 2013. 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-Provident Fund-Inst Plan B-Quarterly Dividend averaged 0.93% (best 1.91%, worst -3.04%). 91% of rolling windows ended positive. The 5-year Sharpe ratio is -0.93 — negative risk-adjusted performance.

In calendar year 2016, IDFC GSF-Provident Fund-Inst Plan B-Quarterly Dividend returned 0.43% — lagging the Gilt category average of 8.41% by 7.98 pp. It ranked #25 of 27 in its category that year.

IDFC GSF-Provident Fund-Inst Plan B-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-Provident Fund-Inst Plan B-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: 10.8%. 5-year CAGR: 0.30%.

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