Should I invest in IDFC-SSIF-Investment Plan B DIVIDEND?

We don't give personal investment advice. IDFC-SSIF-Investment Plan B 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: 17.6%. 5-year CAGR: 1.09%.

IDFC

IDFC-SSIF-Investment Plan B DIVIDEND

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	+0.25%	-9.99%	+10.24	46 / 1129	Q1
1W	+0.76%	-13.04%	+13.80	57 / 1151	Q1
2W	+0.83%	-13.18%	+14.01	66 / 1149	Q1
1M	+1.38%	-13.26%	+14.64	57 / 1137	Q1
3M	+3.20%	-13.15%	+16.35	50 / 1116	Q1
6M	+5.01%	-15.45%	+20.47	98 / 906	Q1
YTD	+4.82%	-15.77%	+20.59	150 / 952	Q1
1Y	-1.14%	-13.09%	+11.94	589 / 820	Q3
2Y	+0.01%	-12.72%	+12.73	279 / 446	Q3
3Y	+1.12%	-11.01%	+12.13	188 / 385	Q2
4Y	+0.71%	-6.52%	+7.23	187 / 339	Q3
5Y	+1.09%	-7.36%	+8.45	157 / 314	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+1.45%	-13.63%	+15.09	382 / 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
2014 YTD	+4.82%	+5.51%	-0.69	131 / 240
2013	-11.40%	-1.95%	-9.44	260 / 276
2012	+10.56%	+1.38%	+9.18	40 / 295
2011	-2.01%	-3.16%	+1.16	262 / 317
2010	+4.38%	-5.78%	+10.16	90 / 377
2009	-5.66%	-12.86%	+7.20	564 / 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

+0.68%

55 windows

min -12.2% · max 12.5%

58% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+1.27%

31 windows

min -1.5% · max 5.4%

68% positive

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

5-Year rolling

+0.50%

6 windows

min -0.7% · max 1.2%

83% positive

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

7-Year rolling

—

Insufficient history

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

8.76%

3-year · annualised

Sharpe ratio

-0.57

vs risk-free 6.5%

Sortino ratio

-0.64

Downside-only deviation

Max drawdown

-17.60%

Mar 2013 → Aug 2013

% positive months

69.4%

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
23 May 2014	₹10.8780
22 May 2014	₹10.8509
21 May 2014	₹10.8337
20 May 2014	₹10.8110
19 May 2014	₹10.8031
16 May 2014	₹10.7962
15 May 2014	₹10.8000
13 May 2014	₹10.7938
12 May 2014	₹10.8020
9 May 2014	₹10.7889

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-SSIF-Investment Plan B 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-SSIF-Investment Plan B DIVIDEND has NAV history starting from 10 Dec 2008, a track record of about 17 years 6 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-SSIF-Investment Plan B 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-SSIF-Investment Plan B DIVIDEND has delivered a absolute return of -1.14% — +11.94 pp ahead of the Income category average of -13.09%. The fund ranks #589 of 820 in its category — the third (Q3) quartile.

Over the trailing 3-year window, IDFC-SSIF-Investment Plan B DIVIDEND has delivered a CAGR of 1.12% — +12.13 pp ahead of the Income category average of -11.01%. The fund ranks #188 of 385 in its category — the second (Q2) quartile.

Over the trailing 5-year window, IDFC-SSIF-Investment Plan B DIVIDEND has delivered a CAGR of 1.09% — +8.45 pp ahead of the Income category average of -7.36%. The fund ranks #157 of 314 in its category — the second (Q2) quartile.

₹1 lakh invested in IDFC-SSIF-Investment Plan B DIVIDEND exactly 5 years ago would be worth approximately ₹105,581 today — a multiplier of 1.06×, based on the 5-year CAGR of 1.09%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in IDFC-SSIF-Investment Plan B DIVIDEND over the last 5 years — total invested ₹600,000 — would be worth ₹611,528 today. That's an XIRR (money-weighted annualised return) of 0.75%.

IDFC-SSIF-Investment Plan B DIVIDEND doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹611,528 — XIRR 0.75%.

On a 5-year basis, IDFC-SSIF-Investment Plan B DIVIDEND ranks #157 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 1.09%.

The worst peak-to-trough decline IDFC-SSIF-Investment Plan B DIVIDEND has experienced over the last 5-year window is 17.60% — its NAV fell from a high on 15 Mar 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-SSIF-Investment Plan B DIVIDEND averaged 0.50% (best 1.16%, worst -0.65%). 83% of rolling windows ended positive. The 5-year Sharpe ratio is -0.73 — negative risk-adjusted performance.

In calendar year 2013, IDFC-SSIF-Investment Plan B DIVIDEND returned -11.40% — lagging the Income category average of -1.95% by 9.44 pp. It ranked #260 of 276 in its category that year.

IDFC-SSIF-Investment Plan B 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-Investment Plan B 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: 17.6%. 5-year CAGR: 1.09%.

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