Should I invest in GSSIF-ST-Plan D- Fortnightly Dividend?

We don't give personal investment advice. GSSIF-ST-Plan D- Fortnightly 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. Worst 5-year drawdown: 2.2%. 5-year CAGR: 1.64%.

IDFC

GSSIF-ST-Plan D- Fortnightly Dividend

Latest NAV

₹12.0338

As of

17 Feb 2017

1,947 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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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%	+0.01%	-0.01	30 / 39	Q4
1W	+0.15%	+15.04%	-14.89	26 / 40	Q3
2W	-0.35%	+15.09%	-15.44	38 / 40	Q4
1M	-0.29%	+16.91%	-17.19	38 / 40	Q4
3M	-0.43%	+17.18%	-17.61	35 / 40	Q4
6M	-0.32%	+18.01%	-18.32	36 / 40	Q4
YTD	-0.33%	+17.67%	-18.00	36 / 40	Q4
1Y	-0.18%	+19.37%	-19.55	32 / 40	Q4
2Y	-0.14%	+8.20%	-8.34	36 / 40	Q4
3Y	+1.41%	+5.69%	-4.29	25 / 40	Q3
4Y	+2.16%	+4.90%	-2.73	24 / 39	Q3
5Y	+1.64%	+4.10%	-2.46	25 / 38	Q3
7Y	+2.62%	+2.87%	-0.25	24 / 37	Q3
10Y	—	—	—	—	—
Inception	+2.28%	+1.92%	+0.36	26 / 40	Q3

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
2017 YTD	-0.33%	+2.37%	-2.70	35 / 37
2016	-0.13%	+5.27%	-5.40	30 / 37
2015	+0.19%	-1.48%	+1.67	13 / 18
2014	+5.21%	+5.85%	-0.64	7 / 13
2013	+3.36%	+3.42%	-0.06	7 / 13
2012	-0.25%	+3.40%	-3.65	13 / 13
2011	+9.80%	+5.43%	+4.37	1 / 11
2010	+0.23%	+2.36%	-2.13	10 / 10
2009	+0.57%	+1.65%	-1.08	5 / 8

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

+2.64%

87 windows

min -1.3% · max 10.1%

76% positive

3-Year rolling

+3.21%

63 windows

min 1.4% · max 4.7%

100% positive

5-Year rolling

+3.17%

38 windows

min 1.6% · max 3.8%

100% positive

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

7-Year rolling

+2.64%

14 windows

min 2.5% · max 2.7%

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

1.25%

3-year · annualised

Sharpe ratio

-4.08

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-1.14%

Apr 2016 → Feb 2017

% positive months

58.3%

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.

Peers in Short Duration Fund

Scheme	Fund house	NAV	As of
HDFC Short Term Debt Fund - Fortnightly IDCW Option	HDFC	₹10.1985	3 Jun 2026
NIPPON INDIA SHORT DURATION FUND - IDCW Option	Nippon India	₹22.3820	3 Jun 2026
SBI SHORT HORIZON DEBT FUND-SHORT TERM FUND INSTTUTIONAL GROWTH	SBI	₹33.4345	3 Jun 2026
ICICI Prudential Short Term Plan - Div. Option	ICICI Prudential	₹12.0670	3 Jun 2026
Kotak Bond Short Term Plan-(Growth)	Kotak Mahindra	₹54.0814	3 Jun 2026
DSP BlackRock Short Term Fund-Dividend	DSP BlackRock	₹12.0819	3 Jun 2026
HSBC Short Duration Fund - Bonus	HSBC	₹27.5331	3 Jun 2026
UTI - Short Term Income Fund - Dividend Option	UTI	₹24.5675	3 Jun 2026
IDFC - SSIF - Short Term - Plan A - Fortnightly Dividend	IDFC	₹10.4111	3 Jun 2026
Reliance Short Term Fund-Dividend Re-investment Plan	Reliance	₹11.5088	3 Jun 2026

Recent NAVs

Date	NAV
17 Feb 2017	₹12.0338
16 Feb 2017	₹12.0339
15 Feb 2017	₹12.0318
14 Feb 2017	₹12.0258
13 Feb 2017	₹12.0259
10 Feb 2017	₹12.0161
9 Feb 2017	₹12.0004
8 Feb 2017	₹12.0076
7 Feb 2017	₹12.0873
6 Feb 2017	₹12.0844

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.

As of 17 Feb 2017, the NAV of GSSIF-ST-Plan D- Fortnightly Dividend is ₹12.0338. It's a Short Duration Fund from IDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

GSSIF-ST-Plan D- Fortnightly Dividend has NAV history starting from 14 Jan 2009, a track record of about 17 years 4 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.

GSSIF-ST-Plan D- Fortnightly Dividend is managed by IDFC. It's classified by AMFI under the 'Short Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, GSSIF-ST-Plan D- Fortnightly Dividend has delivered a absolute return of -0.18% — -19.55 pp behind the Short Duration Fund category average of 19.37%. The fund ranks #32 of 40 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, GSSIF-ST-Plan D- Fortnightly Dividend has delivered a CAGR of 1.41% — -4.29 pp behind the Short Duration Fund category average of 5.69%. The fund ranks #25 of 40 in its category — the third (Q3) quartile.

Over the trailing 5-year window, GSSIF-ST-Plan D- Fortnightly Dividend has delivered a CAGR of 1.64% — -2.46 pp behind the Short Duration Fund category average of 4.10%. The fund ranks #25 of 38 in its category — the third (Q3) quartile.

₹1 lakh invested in GSSIF-ST-Plan D- Fortnightly Dividend exactly 5 years ago would be worth approximately ₹108,468 today — a multiplier of 1.08×, based on the 5-year CAGR of 1.64%. The category average over the same window would have grown ₹1 lakh to ₹122,243.

A ₹10,000 monthly SIP in GSSIF-ST-Plan D- Fortnightly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹621,114 today. That's an XIRR (money-weighted annualised return) of 1.36%.

GSSIF-ST-Plan D- Fortnightly Dividend doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹900,614 — XIRR 1.96%.

On a 5-year basis, GSSIF-ST-Plan D- Fortnightly Dividend ranks #25 out of 38 funds in the Short Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 4.10%; this fund delivered 1.64%.

The worst peak-to-trough decline GSSIF-ST-Plan D- Fortnightly Dividend has experienced over the last 5-year window is 2.23% — its NAV fell from a high on 23 Feb 2012 to a low on 20 Aug 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, GSSIF-ST-Plan D- Fortnightly Dividend averaged 3.17% (best 3.81%, worst 1.62%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -2.97 — negative risk-adjusted performance.

In calendar year 2016, GSSIF-ST-Plan D- Fortnightly Dividend returned -0.13% — lagging the Short Duration Fund category average of 5.27% by 5.40 pp. It ranked #30 of 37 in its category that year.

GSSIF-ST-Plan D- Fortnightly 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. GSSIF-ST-Plan D- Fortnightly 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. Worst 5-year drawdown: 2.2%. 5-year CAGR: 1.64%.

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

GSSIF-ST-Plan D- Fortnightly Dividend

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Short Duration Fund

Recent NAVs

Frequently asked questions

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