Should I invest in DBS Chola Liquid Fund - Institutional Plus Weekly Dividend?

We don't give personal investment advice. DBS Chola Liquid Fund - Institutional Plus Weekly 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+ 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.

DBS Chola

DBS Chola Liquid Fund - Institutional Plus Weekly 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	+0.01%	+6.99%	-6.98	141 / 763	Q1
1W	+0.06%	+6.38%	-6.31	204 / 722	Q2
2W	+0.13%	+6.63%	-6.50	223 / 725	Q2
1M	+0.31%	+6.29%	-5.98	242 / 752	Q2
3M	+0.97%	+7.87%	-6.90	294 / 728	Q2
6M	+2.00%	+9.67%	-7.67	353 / 642	Q3
YTD	+0.46%	+8.47%	-8.01	371 / 666	Q3
1Y	+3.70%	+13.70%	-10.00	337 / 591	Q3
2Y	+1.84%	-5.03%	+6.88	77 / 197	Q2
3Y	+1.23%	-3.09%	+4.32	52 / 140	Q2
4Y	+1.28%	+1.62%	-0.34	44 / 119	Q2
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+1.32%	-3.28%	+4.60	357 / 797	Q2

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	+0.46%	-0.95%	+1.41	80 / 165
2009	+3.26%	-0.31%	+3.57	180 / 482
2008	-0.14%	-5.54%	+5.40	183 / 250
2007	+0.11%	+5.54%	-5.43	26 / 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

+0.87%

36 windows

min -0.1% · max 3.7%

89% positive

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

3-Year rolling

+0.91%

11 windows

min 0.7% · max 1.2%

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

0.60%

3-year · annualised

Sharpe ratio

-8.81

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-1.45%

Aug 2009 → Aug 2009

% positive months

72.2%

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	₹12.4041
14 Feb 2010	₹12.4030
11 Feb 2010	₹12.4000
10 Feb 2010	₹12.3990
9 Feb 2010	₹12.3977
8 Feb 2010	₹12.3965
7 Feb 2010	₹12.3953
5 Feb 2010	₹12.3927
4 Feb 2010	₹12.3915
3 Feb 2010	₹12.3903

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 Liquid Fund - Institutional Plus Weekly Dividend is a Income from DBS Chola (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.

DBS Chola Liquid Fund - Institutional Plus Weekly Dividend has NAV history starting from 02 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 Liquid Fund - Institutional Plus Weekly 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 Liquid Fund - Institutional Plus Weekly Dividend has delivered a absolute return of 3.70% — -10 pp behind the Income category average of 13.70%. The fund ranks #337 of 591 in its category — the third (Q3) quartile.

Over the trailing 3-year window, DBS Chola Liquid Fund - Institutional Plus Weekly Dividend has delivered a CAGR of 1.23% — +4.32 pp ahead of the Income category average of -3.09%. The fund ranks #52 of 140 in its category — the second (Q2) quartile.

DBS Chola Liquid Fund - Institutional Plus Weekly 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 Liquid Fund - Institutional Plus Weekly Dividend exactly 3 years ago would be worth approximately ₹103,751 today — a multiplier of 1.04×, based on the 3-year CAGR of 1.23%. The category average over the same window would have grown ₹1 lakh to ₹91,024.

A ₹10,000 monthly SIP in DBS Chola Liquid Fund - Institutional Plus Weekly Dividend over the last 3 years — total invested ₹360,000 — would be worth ₹371,369 today. That's an XIRR (money-weighted annualised return) of 2.02%.

DBS Chola Liquid Fund - Institutional Plus Weekly Dividend doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹371,369 — XIRR 2.02%.

On a 3-year basis, DBS Chola Liquid Fund - Institutional Plus Weekly Dividend ranks #52 out of 140 funds in the Income category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -3.09%; this fund delivered 1.23%.

The worst peak-to-trough decline DBS Chola Liquid Fund - Institutional Plus Weekly Dividend has experienced over the last 3-year window is 1.45% — its NAV fell from a high on 28 Aug 2009 to a low on 30 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 Liquid Fund - Institutional Plus Weekly Dividend averaged 0.91% (best 1.23%, worst 0.65%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -8.81 — negative risk-adjusted performance.

In calendar year 2009, DBS Chola Liquid Fund - Institutional Plus Weekly Dividend returned 3.26% — beating the Income category average of -0.31% by 3.57 pp. It ranked #180 of 482 in its category that year.

DBS Chola Liquid Fund - Institutional Plus Weekly 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 Liquid Fund - Institutional Plus Weekly 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.