DBS Chola

DBS Chola Freedom Income -Short Term Fund-Regular-Monthly 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	+0.00%	-14.54%	+14.54	86 / 373	Q1
1W	+0.07%	-15.89%	+15.97	97 / 369	Q2
2W	+0.15%	-15.78%	+15.93	89 / 371	Q1
1M	+0.03%	-16.05%	+16.08	124 / 373	Q2
3M	+0.07%	-17.27%	+17.35	137 / 366	Q2
6M	+0.12%	-30.18%	+30.30	153 / 393	Q2
YTD	+0.20%	-32.85%	+33.05	154 / 414	Q2
1Y	+0.36%	-15.79%	+16.16	147 / 309	Q2
2Y	+1.45%	-13.41%	+14.86	58 / 142	Q2
3Y	+1.10%	-6.89%	+7.99	48 / 95	Q3
4Y	+1.54%	+2.81%	-1.27	39 / 84	Q2
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+1.59%	-35.69%	+37.29	121 / 497	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
2010 YTD	+0.20%	-11.73%	+11.93	64 / 132
2009	+0.62%	-33.69%	+34.31	101 / 316
2008	+2.18%	-14.40%	+16.58	44 / 119
2007	+0.57%	+5.47%	-4.90	19 / 21
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

+1.28%

36 windows

min -0.4% · max 2.8%

92% positive

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

3-Year rolling

+1.34%

11 windows

min 1.0% · max 1.9%

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

0.76%

3-year · annualised

Sharpe ratio

-7.07

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-2.98%

Jul 2009 → Aug 2009

% 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
15 Feb 2010	₹11.3367
11 Feb 2010	₹11.3318
10 Feb 2010	₹11.3307
9 Feb 2010	₹11.3294
8 Feb 2010	₹11.3283
5 Feb 2010	₹11.3247
4 Feb 2010	₹11.3235
3 Feb 2010	₹11.3222
2 Feb 2010	₹11.3211
1 Feb 2010	₹11.3197

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.

DBS Chola Freedom Income -Short Term Fund-Regular-Monthly Dividend is a Income from DBS Chola (Regular plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

DBS Chola Freedom Income -Short Term Fund-Regular-Monthly Dividend 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.

DBS Chola Freedom Income -Short Term Fund-Regular-Monthly Dividend is managed by DBS Chola. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, DBS Chola Freedom Income -Short Term Fund-Regular-Monthly Dividend has delivered a absolute return of 0.36% — +16.16 pp ahead of the Income category average of -15.79%. The fund ranks #147 of 309 in its category — the second (Q2) quartile.

Over the trailing 3-year window, DBS Chola Freedom Income -Short Term Fund-Regular-Monthly Dividend has delivered a CAGR of 1.10% — +7.99 pp ahead of the Income category average of -6.89%. The fund ranks #48 of 95 in its category — the third (Q3) quartile.

DBS Chola Freedom Income -Short Term Fund-Regular-Monthly Dividend 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 DBS Chola Freedom Income -Short Term Fund-Regular-Monthly Dividend exactly 3 years ago would be worth approximately ₹103,332 today — a multiplier of 1.03×, based on the 3-year CAGR of 1.10%. The category average over the same window would have grown ₹1 lakh to ₹80,720.

A ₹10,000 monthly SIP in DBS Chola Freedom Income -Short Term Fund-Regular-Monthly Dividend over the last 3 years — total invested ₹360,000 — would be worth ₹365,881 today. That's an XIRR (money-weighted annualised return) of 1.05%.

DBS Chola Freedom Income -Short Term Fund-Regular-Monthly Dividend doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹365,881 — XIRR 1.05%.

On a 3-year basis, DBS Chola Freedom Income -Short Term Fund-Regular-Monthly Dividend ranks #48 out of 95 funds in the Income category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -6.89%; this fund delivered 1.10%.

The worst peak-to-trough decline DBS Chola Freedom Income -Short Term Fund-Regular-Monthly Dividend has experienced over the last 3-year window is 2.98% — its NAV fell from a high on 27 Jul 2009 to a low on 28 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, DBS Chola Freedom Income -Short Term Fund-Regular-Monthly Dividend averaged 1.34% (best 1.92%, worst 1.02%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -7.07 — negative risk-adjusted performance.

In calendar year 2009, DBS Chola Freedom Income -Short Term Fund-Regular-Monthly Dividend returned 0.62% — beating the Income category average of -33.69% by 34.31 pp. It ranked #101 of 316 in its category that year.

DBS Chola Freedom Income -Short Term Fund-Regular-Monthly 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. DBS Chola Freedom Income -Short Term Fund-Regular-Monthly 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.

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