Should I invest in ING Treasury Management Fund?

We don't give personal investment advice. ING Treasury Management Fund-Growth Option 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.

ING

ING Treasury Management Fund-Growth Option

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	+0.01%	-3.56%	+3.56	48 / 84	Q3
1W	+0.06%	-3.52%	+3.58	38 / 84	Q2
2W	+0.12%	-3.50%	+3.63	27 / 84	Q2
1M	+0.26%	-6.74%	+7.00	24 / 87	Q2
3M	+0.89%	-6.22%	+7.11	24 / 86	Q2
6M	+2.27%	-6.43%	+8.70	17 / 84	Q1
YTD	+4.05%	-6.15%	+10.20	9 / 85	Q1
1Y	+6.84%	-5.38%	+12.23	9 / 84	Q1
2Y	+7.88%	-6.52%	+14.40	2 / 86	Q1
3Y	+7.82%	-6.38%	+14.20	3 / 85	Q1
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+7.60%	-6.05%	+13.65	4 / 88	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
2009 YTD	+4.05%	-0.61%	+4.66	11 / 63
2008	+9.30%	+2.48%	+6.82	3 / 54
2007	+7.77%	+2.06%	+5.71	6 / 45
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

+8.22%

31 windows

min 6.8% · max 9.5%

100% positive

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

3-Year rolling

+8.01%

6 windows

min 7.8% · max 8.1%

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

0.59%

3-year · annualised

Sharpe ratio

1.79

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.67%

Aug 2009 → Aug 2009

% positive months

100.0%

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
18 Sep 2009	₹13.9284
17 Sep 2009	₹13.9274
16 Sep 2009	₹13.9263
15 Sep 2009	₹13.9249
14 Sep 2009	₹13.9236
13 Sep 2009	₹13.9223
12 Sep 2009	₹13.9212
11 Sep 2009	₹13.9202
10 Sep 2009	₹13.9192
9 Sep 2009	₹13.9178

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 Treasury Management Fund-Growth Option is a Liquid from ING (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.

ING Treasury Management Fund-Growth Option 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 Treasury Management Fund-Growth Option is managed by ING. It's classified by AMFI under the 'Liquid' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ING Treasury Management Fund-Growth Option has delivered a absolute return of 6.84% — +12.23 pp ahead of the Liquid category average of -5.38%. The fund ranks #9 of 84 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ING Treasury Management Fund-Growth Option has delivered a CAGR of 7.82% — +14.2 pp ahead of the Liquid category average of -6.38%. The fund ranks #3 of 85 in its category — the top (Q1) quartile.

ING Treasury Management Fund-Growth Option 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 ING Treasury Management Fund-Growth Option exactly 3 years ago would be worth approximately ₹125,329 today — a multiplier of 1.25×, based on the 3-year CAGR of 7.82%. The category average over the same window would have grown ₹1 lakh to ₹82,055.

A ₹10,000 monthly SIP in ING Treasury Management Fund-Growth Option over the last 3 years — total invested ₹360,000 — would be worth ₹403,540 today. That's an XIRR (money-weighted annualised return) of 7.54%.

ING Treasury Management Fund-Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹403,540 — XIRR 7.54%.

On a 3-year basis, ING Treasury Management Fund-Growth Option ranks #3 out of 85 funds in the Liquid category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -6.38%; this fund delivered 7.82%.

The worst peak-to-trough decline ING Treasury Management Fund-Growth Option has experienced over the last 3-year window is 0.67% — its NAV fell from a high on 30 Aug 2009 to a low on 31 Aug 2009. 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, ING Treasury Management Fund-Growth Option averaged 8.01% (best 8.12%, worst 7.82%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 1.79 — strong risk-adjusted performance.

In calendar year 2008, ING Treasury Management Fund-Growth Option returned 9.30% — beating the Liquid category average of 2.48% by 6.82 pp. It ranked #3 of 54 in its category that year.

ING Treasury Management Fund-Growth Option 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 Treasury Management Fund-Growth Option 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.