Should I invest in ING Income Fund-Institutional Dividend Option (Quarterly)?

We don't give personal investment advice. ING Income Fund-Institutional Dividend Option (Quarterly) 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: 10.2%. 5-year CAGR: -1.58%.

ING

ING Income Fund-Institutional Dividend Option (Quarterly)

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%	+6.99%	-6.99	203 / 763	Q2
1W	+0.00%	+6.38%	-6.38	274 / 722	Q2
2W	+0.00%	+6.63%	-6.63	287 / 725	Q2
1M	+0.00%	+6.29%	-6.29	327 / 752	Q2
3M	+0.00%	+7.87%	-7.87	401 / 728	Q3
6M	+0.00%	+9.67%	-9.67	430 / 642	Q3
YTD	+0.00%	+8.47%	-8.47	419 / 666	Q3
1Y	+0.00%	+13.70%	-13.70	399 / 591	Q3
2Y	+0.00%	-5.03%	+5.03	136 / 197	Q3
3Y	+0.00%	-3.09%	+3.09	95 / 140	Q3
4Y	-2.24%	+1.62%	-3.86	109 / 119	Q4
5Y	-1.58%	-0.16%	-1.43	94 / 102	Q4
7Y	+0.00%	+2.05%	-2.05	46 / 64	Q3
10Y	—	—	—	—	—
Inception	+0.00%	-3.28%	+3.28	438 / 797	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
2014 YTD	+0.00%	+2.77%	-2.77	62 / 82
2013	+0.00%	+1.77%	-1.77	76 / 101
2012	+0.00%	-0.30%	+0.30	77 / 113
2011	+0.00%	+1.75%	-1.75	87 / 109
2010	-7.81%	-0.95%	-6.87	154 / 165
2009	-2.22%	-0.31%	-1.92	411 / 482
2008	+9.05%	-5.54%	+14.59	31 / 250
2007	+1.30%	+5.54%	-4.24	23 / 30
2006	—	—	—	—

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

+0.05%

92 windows

min -9.8% · max 9.6%

32% positive

3-Year rolling

-0.21%

68 windows

min -3.8% · max 3.7%

32% positive

5-Year rolling

-0.51%

44 windows

min -2.1% · max 0.0%

2% positive

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

7-Year rolling

+0.00%

19 windows

min 0.0% · max 0.0%

0% 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

0.00%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.00%

Peak to trough

% positive months

0.0%

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
9 Oct 2014	₹10.0000
8 Oct 2014	₹10.0000
7 Oct 2014	₹10.0000
1 Oct 2014	₹10.0000
30 Sep 2014	₹10.0000
29 Sep 2014	₹10.0000
26 Sep 2014	₹10.0000
25 Sep 2014	₹10.0000
24 Sep 2014	₹10.0000
23 Sep 2014	₹10.0000

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.

ING Income Fund-Institutional Dividend Option (Quarterly) is a Income from ING (Institutional plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

ING Income Fund-Institutional Dividend Option (Quarterly) has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 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.

ING Income Fund-Institutional Dividend Option (Quarterly) is managed by ING. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ING Income Fund-Institutional Dividend Option (Quarterly) has delivered a absolute return of 0.00% — -13.7 pp behind the Income category average of 13.70%. The fund ranks #399 of 591 in its category — the third (Q3) quartile.

Over the trailing 3-year window, ING Income Fund-Institutional Dividend Option (Quarterly) has delivered a CAGR of 0.00% — +3.09 pp ahead of the Income category average of -3.09%. The fund ranks #95 of 140 in its category — the third (Q3) quartile.

Over the trailing 5-year window, ING Income Fund-Institutional Dividend Option (Quarterly) has delivered a CAGR of -1.58% — -1.43 pp behind the Income category average of -0.16%. The fund ranks #94 of 102 in its category — the bottom (Q4) quartile.

₹1 lakh invested in ING Income Fund-Institutional Dividend Option (Quarterly) exactly 5 years ago would be worth approximately ₹92,332 today — a multiplier of 0.92×, based on the 5-year CAGR of -1.58%. The category average over the same window would have grown ₹1 lakh to ₹99,222.

A ₹10,000 monthly SIP in ING Income Fund-Institutional Dividend Option (Quarterly) over the last 5 years — total invested ₹600,000 — would be worth ₹587,216 today. That's an XIRR (money-weighted annualised return) of -0.85%.

ING Income Fund-Institutional Dividend Option (Quarterly) doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹817,819 — XIRR -0.76%.

On a 5-year basis, ING Income Fund-Institutional Dividend Option (Quarterly) ranks #94 out of 102 funds in the Income category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is -0.16%; this fund delivered -1.58%.

The worst peak-to-trough decline ING Income Fund-Institutional Dividend Option (Quarterly) has experienced over the last 5-year window is 10.20% — its NAV fell from a high on 21 May 2010 to a low on 10 Dec 2010. 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, ING Income Fund-Institutional Dividend Option (Quarterly) averaged -0.51% (best 0.04%, worst -2.14%). 2% of rolling windows ended positive. The 5-year Sharpe ratio is -2.00 — negative risk-adjusted performance.

In calendar year 2013, ING Income Fund-Institutional Dividend Option (Quarterly) returned 0.00% — lagging the Income category average of 1.77% by 1.77 pp. It ranked #76 of 101 in its category that year.

ING Income Fund-Institutional Dividend Option (Quarterly) 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. ING Income Fund-Institutional Dividend Option (Quarterly) 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: 10.2%. 5-year CAGR: -1.58%.

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