Fidelity

Fidelity Cash Fund - Super Institutional Plan - Monthly Dividend Option

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%	+0.34%	-0.32	22 / 110	Q1
1W	+0.15%	+0.31%	-0.15	13 / 107	Q1
2W	+0.31%	+0.36%	-0.06	11 / 106	Q1
1M	+0.26%	+0.37%	-0.11	32 / 106	Q2
3M	+0.63%	+0.70%	-0.07	33 / 105	Q2
6M	+0.63%	-0.73%	+1.35	32 / 105	Q2
YTD	+0.63%	-1.59%	+2.21	24 / 102	Q1
1Y	+0.63%	-0.61%	+1.24	32 / 100	Q2
2Y	+0.31%	-0.86%	+1.17	34 / 96	Q2
3Y	+0.21%	-1.06%	+1.27	41 / 89	Q2
4Y	+0.16%	-1.39%	+1.54	35 / 86	Q2
5Y	+0.13%	+0.08%	+0.04	36 / 76	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+0.08%	-1.26%	+1.34	45 / 110	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
2012 YTD	+0.63%	+155.04%	-154.42	25 / 65
2011	+0.00%	-0.45%	+0.45	46 / 67
2010	+0.00%	-1.24%	+1.24	54 / 73
2009	+0.00%	+0.17%	-0.17	40 / 75
2008	+0.00%	+2.60%	-2.60	44 / 61
2007	-0.73%	+0.04%	-0.76	43 / 48
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

-0.06%

61 windows

min -1.4% · max 0.6%

3% positive

3-Year rolling

-0.02%

37 windows

min -0.4% · max 0.2%

5% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

-0.03%

13 windows

min -0.2% · max 0.1%

15% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

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

0.25%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.34%

Oct 2012 → Oct 2012

% positive months

5.6%

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
22 Nov 2012	₹10.0628
21 Nov 2012	₹10.0606
20 Nov 2012	₹10.0584
19 Nov 2012	₹10.0562
18 Nov 2012	₹10.0540
16 Nov 2012	₹10.0497
15 Nov 2012	₹10.0475
14 Nov 2012	₹10.0453
12 Nov 2012	₹10.0408
11 Nov 2012	₹10.0385

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.

Fidelity Cash Fund - Super Institutional Plan - Monthly Dividend Option is a Liquid from Fidelity (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.

Fidelity Cash Fund - Super Institutional Plan - Monthly Dividend Option has NAV history starting from 29 Nov 2006, a track record of about 19 years 6 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.

Fidelity Cash Fund - Super Institutional Plan - Monthly Dividend Option is managed by Fidelity. It's classified by AMFI under the 'Liquid' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Fidelity Cash Fund - Super Institutional Plan - Monthly Dividend Option has delivered a absolute return of 0.63% — +1.24 pp ahead of the Liquid category average of -0.61%. The fund ranks #32 of 100 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Fidelity Cash Fund - Super Institutional Plan - Monthly Dividend Option has delivered a CAGR of 0.21% — +1.27 pp ahead of the Liquid category average of -1.06%. The fund ranks #41 of 89 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Fidelity Cash Fund - Super Institutional Plan - Monthly Dividend Option has delivered a CAGR of 0.13% — +0.04 pp ahead of the Liquid category average of 0.08%. The fund ranks #36 of 76 in its category — the second (Q2) quartile.

₹1 lakh invested in Fidelity Cash Fund - Super Institutional Plan - Monthly Dividend Option exactly 5 years ago would be worth approximately ₹100,628 today — a multiplier of 1.01×, based on the 5-year CAGR of 0.13%. The category average over the same window would have grown ₹1 lakh to ₹100,422.

A ₹10,000 monthly SIP in Fidelity Cash Fund - Super Institutional Plan - Monthly Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹603,734 today. That's an XIRR (money-weighted annualised return) of 0.24%.

Fidelity Cash Fund - Super Institutional Plan - Monthly Dividend Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹603,734 — XIRR 0.24%.

On a 5-year basis, Fidelity Cash Fund - Super Institutional Plan - Monthly Dividend Option ranks #36 out of 76 funds in the Liquid category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 0.08%; this fund delivered 0.13%.

The worst peak-to-trough decline Fidelity Cash Fund - Super Institutional Plan - Monthly Dividend Option has experienced over the last 5-year window is 0.34% — its NAV fell from a high on 25 Oct 2012 to a low on 28 Oct 2012. 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, Fidelity Cash Fund - Super Institutional Plan - Monthly Dividend Option averaged -0.03% (best 0.13%, worst -0.19%). 15% of rolling windows ended positive.

In calendar year 2011, Fidelity Cash Fund - Super Institutional Plan - Monthly Dividend Option returned 0.00% — beating the Liquid category average of -0.45% by 0.45 pp. It ranked #46 of 67 in its category that year.

Fidelity Cash Fund - Super Institutional Plan - Monthly Dividend Option 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. Fidelity Cash Fund - Super Institutional Plan - Monthly Dividend Option 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: 0.13%.

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