Should I invest in DWS Insta Cash Plus Fund?

We don't give personal investment advice. DWS Insta Cash Plus Fund-Growth-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: 0.3%. 5-year CAGR: 7.47%.

Deutsche

DWS Insta Cash Plus Fund-Growth-GROWTH

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	+0.02%	-3.56%	+3.57	20 / 84	Q1
1W	+0.11%	-3.52%	+3.63	22 / 84	Q2
2W	+0.23%	-3.50%	+3.73	12 / 84	Q1
1M	+0.45%	-6.74%	+7.20	12 / 87	Q1
3M	+1.34%	-6.22%	+7.56	16 / 86	Q1
6M	+2.70%	-6.43%	+9.12	15 / 84	Q1
YTD	+0.92%	-6.15%	+7.07	23 / 85	Q2
1Y	+5.80%	-5.38%	+11.18	15 / 84	Q1
2Y	+6.21%	-6.52%	+12.74	12 / 86	Q1
3Y	+6.66%	-6.38%	+13.04	10 / 85	Q1
4Y	+7.19%	-7.58%	+14.77	8 / 74	Q1
5Y	+7.47%	-4.41%	+11.88	7 / 61	Q1
7Y	+6.82%	+0.51%	+6.31	10 / 50	Q1
10Y	+7.11%	+0.08%	+7.03	8 / 47	Q1
Inception	+7.16%	-6.05%	+13.21	8 / 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
2016 YTD	+0.92%	+2.54%	-1.62	21 / 49
2015	+5.91%	+2.88%	+3.04	16 / 50
2014	+6.67%	+2.21%	+4.46	15 / 50
2013	+7.84%	+2.22%	+5.62	14 / 51
2012	+8.92%	+2.94%	+5.99	13 / 58
2011	+8.38%	-4.13%	+12.51	11 / 67
2010	+5.16%	-2.87%	+8.03	10 / 68
2009	+5.16%	-0.61%	+5.77	4 / 63
2008	+8.97%	+2.48%	+6.49	5 / 54
2007	+7.88%	+2.06%	+5.82	4 / 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

+7.27%

109 windows

min 4.2% · max 9.0%

100% positive

3-Year rolling

+7.28%

85 windows

min 6.2% · max 8.4%

100% positive

5-Year rolling

+7.27%

61 windows

min 6.9% · max 7.6%

100% positive

7-Year rolling

+7.28%

36 windows

min 6.8% · max 7.5%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

0.31%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.26%

Jul 2013 → Jul 2013

% 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
4 Mar 2016	₹23.3451
3 Mar 2016	₹23.3413
2 Mar 2016	₹23.3375
1 Mar 2016	₹23.3337
29 Feb 2016	₹23.3302
28 Feb 2016	₹23.3268
26 Feb 2016	₹23.3199
25 Feb 2016	₹23.3166
24 Feb 2016	₹23.3132
23 Feb 2016	₹23.3097

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.

DWS Insta Cash Plus Fund-Growth-GROWTH is a Liquid from Deutsche (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.

DWS Insta Cash Plus Fund-Growth-GROWTH 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.

DWS Insta Cash Plus Fund-Growth-GROWTH is managed by Deutsche. It's classified by AMFI under the 'Liquid' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, DWS Insta Cash Plus Fund-Growth-GROWTH has delivered a absolute return of 5.80% — +11.18 pp ahead of the Liquid category average of -5.38%. The fund ranks #15 of 84 in its category — the top (Q1) quartile.

Over the trailing 3-year window, DWS Insta Cash Plus Fund-Growth-GROWTH has delivered a CAGR of 6.66% — +13.04 pp ahead of the Liquid category average of -6.38%. The fund ranks #10 of 85 in its category — the top (Q1) quartile.

Over the trailing 5-year window, DWS Insta Cash Plus Fund-Growth-GROWTH has delivered a CAGR of 7.47% — +11.88 pp ahead of the Liquid category average of -4.41%. The fund ranks #7 of 61 in its category — the top (Q1) quartile.

₹1 lakh invested in DWS Insta Cash Plus Fund-Growth-GROWTH exactly 10 years ago would be worth approximately ₹198,689 today — a multiplier of 1.99×, based on the 10-year CAGR of 7.11%. The category average over the same window would have grown ₹1 lakh to ₹100,791.

A ₹10,000 monthly SIP in DWS Insta Cash Plus Fund-Growth-GROWTH over the last 5 years — total invested ₹600,000 — would be worth ₹713,719 today. That's an XIRR (money-weighted annualised return) of 6.87%.

DWS Insta Cash Plus Fund-Growth-GROWTH doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,078,102 — XIRR 7.01%.

On a 5-year basis, DWS Insta Cash Plus Fund-Growth-GROWTH ranks #7 out of 61 funds in the Liquid category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -4.41%; this fund delivered 7.47%.

The worst peak-to-trough decline DWS Insta Cash Plus Fund-Growth-GROWTH has experienced over the last 5-year window is 0.26% — its NAV fell from a high on 15 Jul 2013 to a low on 16 Jul 2013. 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, DWS Insta Cash Plus Fund-Growth-GROWTH averaged 7.27% (best 7.61%, worst 6.86%). 100% of rolling windows ended positive.

In calendar year 2015, DWS Insta Cash Plus Fund-Growth-GROWTH returned 5.91% — beating the Liquid category average of 2.88% by 3.04 pp. It ranked #16 of 50 in its category that year.

DWS Insta Cash Plus Fund-Growth-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. DWS Insta Cash Plus Fund-Growth-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: 0.3%. 5-year CAGR: 7.47%.

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