DBS Chola

DBS Chola Monthly Income Plan-Regular-Monthly Dividend Plan

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	88 / 373	Q1
1W	+0.03%	-15.89%	+15.92	112 / 369	Q2
2W	-0.23%	-15.78%	+15.55	142 / 371	Q2
1M	-1.82%	-16.05%	+14.23	260 / 373	Q3
3M	-1.66%	-17.27%	+15.61	250 / 366	Q3
6M	-1.29%	-30.18%	+28.89	223 / 393	Q3
YTD	-1.50%	-32.85%	+31.35	234 / 414	Q3
1Y	+0.70%	-15.79%	+16.49	134 / 309	Q2
2Y	-4.49%	-13.41%	+8.92	118 / 142	Q4
3Y	+3.55%	-6.89%	+10.44	30 / 95	Q2
4Y	+2.86%	+2.81%	+0.05	32 / 84	Q2
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+2.96%	-35.69%	+38.65	113 / 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	-1.50%	-11.73%	+10.23	101 / 132
2009	+1.59%	-33.69%	+35.28	87 / 316
2008	-3.46%	-14.40%	+10.94	94 / 119
2007	+13.06%	+5.47%	+7.59	2 / 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

+4.98%

36 windows

min -10.9% · max 24.4%

69% positive

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

3-Year rolling

+4.37%

11 windows

min 3.1% · max 5.3%

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

7.87%

3-year · annualised

Sharpe ratio

-0.34

vs risk-free 6.5%

Sortino ratio

-0.68

Downside-only deviation

Max drawdown

-12.34%

May 2008 → Mar 2009

% positive months

50.0%

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
15 Feb 2010	₹11.5187
11 Feb 2010	₹11.5251
10 Feb 2010	₹11.5126
9 Feb 2010	₹11.5214
8 Feb 2010	₹11.5155
5 Feb 2010	₹11.4961
4 Feb 2010	₹11.5303
3 Feb 2010	₹11.5589
2 Feb 2010	₹11.5304
1 Feb 2010	₹11.5456

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 Monthly Income Plan-Regular-Monthly Dividend Plan 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 Monthly Income Plan-Regular-Monthly Dividend Plan 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 Monthly Income Plan-Regular-Monthly Dividend Plan 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 Monthly Income Plan-Regular-Monthly Dividend Plan has delivered a absolute return of 0.70% — +16.49 pp ahead of the Income category average of -15.79%. The fund ranks #134 of 309 in its category — the second (Q2) quartile.

Over the trailing 3-year window, DBS Chola Monthly Income Plan-Regular-Monthly Dividend Plan has delivered a CAGR of 3.55% — +10.44 pp ahead of the Income category average of -6.89%. The fund ranks #30 of 95 in its category — the second (Q2) quartile.

DBS Chola Monthly Income Plan-Regular-Monthly Dividend Plan 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 Monthly Income Plan-Regular-Monthly Dividend Plan exactly 3 years ago would be worth approximately ₹111,018 today — a multiplier of 1.11×, based on the 3-year CAGR of 3.55%. The category average over the same window would have grown ₹1 lakh to ₹80,720.

A ₹10,000 monthly SIP in DBS Chola Monthly Income Plan-Regular-Monthly Dividend Plan over the last 3 years — total invested ₹360,000 — would be worth ₹363,993 today. That's an XIRR (money-weighted annualised return) of 0.71%.

DBS Chola Monthly Income Plan-Regular-Monthly Dividend Plan doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹363,993 — XIRR 0.71%.

On a 3-year basis, DBS Chola Monthly Income Plan-Regular-Monthly Dividend Plan ranks #30 out of 95 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 -6.89%; this fund delivered 3.55%.

The worst peak-to-trough decline DBS Chola Monthly Income Plan-Regular-Monthly Dividend Plan has experienced over the last 3-year window is 12.34% — its NAV fell from a high on 21 May 2008 to a low on 30 Mar 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 Monthly Income Plan-Regular-Monthly Dividend Plan averaged 4.37% (best 5.31%, worst 3.12%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -0.34 — negative risk-adjusted performance.

In calendar year 2009, DBS Chola Monthly Income Plan-Regular-Monthly Dividend Plan returned 1.59% — beating the Income category average of -33.69% by 35.28 pp. It ranked #87 of 316 in its category that year.

DBS Chola Monthly Income Plan-Regular-Monthly Dividend Plan 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 Monthly Income Plan-Regular-Monthly Dividend Plan 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.