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

We don't give personal investment advice. IDFC-SSIF-Investment Plan B- GROWTH 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.

IDFC

IDFC-SSIF-Investment Plan B- GROWTH

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	250 / 1129	Q1
1W	+0.12%	-13.04%	+13.16	209 / 1151	Q1
2W	+0.13%	-13.18%	+13.31	265 / 1149	Q1
1M	+1.83%	-13.26%	+15.10	39 / 1137	Q1
3M	+4.72%	-13.15%	+17.87	22 / 1116	Q1
6M	+9.15%	-15.45%	+24.61	21 / 906	Q1
YTD	+7.31%	-15.77%	+23.08	66 / 952	Q1
1Y	+15.04%	-13.09%	+28.13	4 / 820	Q1
2Y	+12.93%	-12.72%	+25.65	3 / 446	Q1
3Y	+9.91%	-11.01%	+20.92	7 / 385	Q1
4Y	+8.43%	-6.52%	+14.95	39 / 339	Q1
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+8.25%	-13.63%	+21.88	171 / 1199	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
2013 YTD	+7.31%	-1.95%	+9.26	67 / 276
2012	+10.56%	+1.38%	+9.18	39 / 295
2011	+9.04%	-3.16%	+12.20	53 / 317
2010	+4.38%	-5.78%	+10.16	91 / 377
2009	-4.05%	-12.86%	+8.80	535 / 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

+7.22%

43 windows

min -2.2% · max 15.0%

95% positive

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

3-Year rolling

+7.23%

19 windows

min 4.3% · max 9.9%

100% positive

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

5-Year rolling

—

Insufficient history

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

2.26%

3-year · annualised

Sharpe ratio

1.33

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-1.06%

Jul 2010 → Aug 2010

% positive months

88.9%

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
6 Jun 2013	₹14.4284
5 Jun 2013	₹14.4280
4 Jun 2013	₹14.4249
3 Jun 2013	₹14.4018
31 May 2013	₹14.3876
30 May 2013	₹14.4113
29 May 2013	₹14.4169
28 May 2013	₹14.4399
27 May 2013	₹14.4443
24 May 2013	₹14.4380

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- GROWTH 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- GROWTH has NAV history starting from 05 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- GROWTH 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- GROWTH has delivered a absolute return of 15.04% — +28.13 pp ahead of the Income category average of -13.09%. The fund ranks #4 of 820 in its category — the top (Q1) quartile.

Over the trailing 3-year window, IDFC-SSIF-Investment Plan B- GROWTH has delivered a CAGR of 9.91% — +20.92 pp ahead of the Income category average of -11.01%. The fund ranks #7 of 385 in its category — the top (Q1) quartile.

IDFC-SSIF-Investment Plan B- GROWTH doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in IDFC-SSIF-Investment Plan B- GROWTH exactly 3 years ago would be worth approximately ₹132,769 today — a multiplier of 1.33×, based on the 3-year CAGR of 9.91%. The category average over the same window would have grown ₹1 lakh to ₹70,476.

A ₹10,000 monthly SIP in IDFC-SSIF-Investment Plan B- GROWTH over the last 3 years — total invested ₹360,000 — would be worth ₹433,643 today. That's an XIRR (money-weighted annualised return) of 12.45%.

IDFC-SSIF-Investment Plan B- GROWTH doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹433,643 — XIRR 12.45%.

On a 3-year basis, IDFC-SSIF-Investment Plan B- GROWTH ranks #7 out of 385 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -11.01%; this fund delivered 9.91%.

The worst peak-to-trough decline IDFC-SSIF-Investment Plan B- GROWTH has experienced over the last 3-year window is 1.06% — its NAV fell from a high on 07 Jul 2010 to a low on 05 Aug 2010. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, IDFC-SSIF-Investment Plan B- GROWTH averaged 7.23% (best 9.91%, worst 4.33%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 1.33 — strong risk-adjusted performance.

In calendar year 2012, IDFC-SSIF-Investment Plan B- GROWTH returned 10.56% — beating the Income category average of 1.38% by 9.18 pp. It ranked #39 of 295 in its category that year.

IDFC-SSIF-Investment Plan B- GROWTH 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- GROWTH 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.

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