Should I invest in Religare Short Term Plan - Institutional?

We don't give personal investment advice. Religare Short Term Plan - Institutional - 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. Worst 5-year drawdown: 1.2%. 5-year CAGR: 5.33%.

Religare

Religare Short Term Plan - Institutional - Growth

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 22 Apr 2013. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

Latest NAV

₹3,696.8216

As of

8 Jun 2026

4,630 NAV records on file

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%	-6.73%	+6.73	5 / 15	Q2
1W	+0.56%	+5.29%	-4.73	3 / 15	Q1
2W	+0.74%	+5.54%	-4.80	9 / 15	Q3
1M	+0.43%	+6.81%	-6.39	11 / 15	Q3
3M	+0.86%	+7.19%	-6.33	11 / 15	Q3
6M	+1.43%	+8.04%	-6.60	11 / 15	Q3
YTD	+1.36%	+8.17%	-6.81	11 / 15	Q3
1Y	+3.61%	+9.22%	-5.61	11 / 15	Q3
2Y	+6.49%	+2.16%	+4.33	9 / 15	Q3
3Y	+6.53%	+0.35%	+6.18	8 / 15	Q3
4Y	+6.34%	-0.13%	+6.47	8 / 15	Q3
5Y	+5.33%	-0.81%	+6.14	8 / 15	Q3
7Y	+6.03%	-1.26%	+7.30	6 / 15	Q2
10Y	+6.30%	-2.03%	+8.33	4 / 15	Q2
Inception	+7.03%	-3.40%	+10.44	3 / 13	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
2026 YTD	+1.36%	+1.40%	-0.04	7 / 8
2025	+7.34%	+27.18%	-19.84	6 / 9
2024	+7.78%	+6.02%	+1.76	3 / 9
2023	+6.21%	+5.91%	+0.30	8 / 9
2022	+2.56%	+3.42%	-0.86	7 / 9
2021	+2.52%	+4.48%	-1.96	7 / 9
2020	+9.41%	+5.70%	+3.72	2 / 13
2019	+9.24%	+1.27%	+7.98	3 / 14
2018	+5.37%	-4.01%	+9.38	5 / 15
2017	+4.64%	+2.34%	+2.30	5 / 15
2016	+9.55%	+4.68%	+4.87	4 / 15

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

+7.02%

222 windows

min 1.5% · max 11.1%

100% positive

3-Year rolling

+6.94%

198 windows

min 3.6% · max 9.2%

100% positive

5-Year rolling

+7.03%

174 windows

min 5.2% · max 8.8%

100% positive

7-Year rolling

+7.13%

149 windows

min 5.5% · max 8.1%

100% positive

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

1.15%

3-year · annualised

Sharpe ratio

-0.13

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.56%

May 2026 → May 2026

% 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.

Peers in Short Duration Fund

Scheme	Fund house	NAV	As of
HDFC Short Term Debt Fund - Fortnightly IDCW - Direct Plan	HDFC	₹10.3673	8 Jun 2026
NIPPON INDIA SHORT DURATION FUND - Direct Plan - IDCW Option	Nippon India	₹24.5783	8 Jun 2026
SBI SHORT HORIZON DEBT FUND-SHORT TERM FUND INSTITUTIONAL DIVIDEND FORTNIGHTLY	SBI	₹15.2245	8 Jun 2026
ICICI Prudential Short Term Fund - Direct Plan - Monthly IDCW	ICICI Prudential	₹12.7445	8 Jun 2026
Invesco India Short Duration Fund - Direct Plan - Daily IDCW (Reinvestment)	Invesco	₹1,023.5520	8 Jun 2026
Bandhan Short Duration Fund - Direct Plan - Annual IDCW	Bandhan	₹10.9306	8 Jun 2026
Aditya Birla Sun Life Short Term Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹10.9113	8 Jun 2026
Franklin India Short term Income Plan- Retail Plan-Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct Monthly - IDCW	Franklin India	₹0.0000	8 Jun 2026
Mirae Asset Short Duration Fund - Direct Plan - IDCW	Mirae Asset	₹17.4560	8 Jun 2026
Kotak Bond Short Term Plan - Direct - Standard Income Distribution cum capital withdrawal option	Kotak	₹15.9889	8 Jun 2026

Recent NAVs

Date	NAV
8 Jun 2026	₹3,696.8216
5 Jun 2026	₹3,690.2489
4 Jun 2026	₹3,679.9994
3 Jun 2026	₹3,678.3427
2 Jun 2026	₹3,679.1283
1 Jun 2026	₹3,676.3386
29 May 2026	₹3,675.1639
27 May 2026	₹3,671.9864
26 May 2026	₹3,670.2992
25 May 2026	₹3,669.6001

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.

As of 08 Jun 2026, the NAV of Religare Short Term Plan - Institutional - Growth is ₹3,696.8216. It's a Short Duration Fund from Religare, run as a Institutional plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Religare Short Term Plan - Institutional - Growth has NAV history starting from 26 Mar 2007, a track record of about 19 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.

Religare Short Term Plan - Institutional - Growth is managed by Religare. It's classified by AMFI under the 'Short Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Religare Short Term Plan - Institutional - Growth has delivered a absolute return of 3.61% — -5.61 pp behind the Short Duration Fund category average of 9.22%. The fund ranks #11 of 15 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Religare Short Term Plan - Institutional - Growth has delivered a CAGR of 6.53% — +6.18 pp ahead of the Short Duration Fund category average of 0.35%. The fund ranks #8 of 15 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Religare Short Term Plan - Institutional - Growth has delivered a CAGR of 5.33% — +6.14 pp ahead of the Short Duration Fund category average of -0.81%. The fund ranks #8 of 15 in its category — the third (Q3) quartile.

₹1 lakh invested in Religare Short Term Plan - Institutional - Growth exactly 10 years ago would be worth approximately ₹184,251 today — a multiplier of 1.84×, based on the 10-year CAGR of 6.30%. The category average over the same window would have grown ₹1 lakh to ₹81,477.

A ₹10,000 monthly SIP in Religare Short Term Plan - Institutional - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹699,308 today. That's an XIRR (money-weighted annualised return) of 6.06%.

A ₹10,000 monthly SIP for 10 years in Religare Short Term Plan - Institutional - Growth = ₹1,200,000 invested. It would currently be worth ₹1,631,373 (multiplier 1.36×). XIRR: 5.98%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Religare Short Term Plan - Institutional - Growth ranks #8 out of 15 funds in the Short Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -0.81%; this fund delivered 5.33%.

The worst peak-to-trough decline Religare Short Term Plan - Institutional - Growth has experienced over the last 5-year window is 1.22% — its NAV fell from a high on 07 Apr 2022 to a low on 13 May 2022. 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, Religare Short Term Plan - Institutional - Growth averaged 7.03% (best 8.81%, worst 5.24%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.98 — negative risk-adjusted performance.

In calendar year 2025, Religare Short Term Plan - Institutional - Growth returned 7.34% — lagging the Short Duration Fund category average of 27.18% by 19.84 pp. It ranked #6 of 9 in its category that year.

Religare Short Term Plan - Institutional - 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. Religare Short Term Plan - Institutional - 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. Worst 5-year drawdown: 1.2%. 5-year CAGR: 5.33%.

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

Religare Short Term Plan - Institutional - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Short Duration Fund

Recent NAVs

Frequently asked questions

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