Should I invest in IDFC - SSIF - Medium Term - Daily Dividend Option?

We don't give personal investment advice. IDFC - SSIF - Medium Term - Daily 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+ 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: 3.3%. 5-year CAGR: 0.00%.

IDFC

IDFC - SSIF - Medium Term - Daily Dividend Option

Latest NAV

₹10.2872

As of

9 Jun 2026

4,352 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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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%	-0.06%	+0.06	9 / 32	Q2
1W	+0.13%	+0.26%	-0.13	19 / 32	Q3
2W	+0.36%	+0.44%	-0.08	20 / 32	Q3
1M	+0.04%	+0.53%	-0.49	26 / 32	Q4
3M	+0.05%	+1.01%	-0.96	26 / 32	Q4
6M	+0.12%	+1.44%	-1.31	28 / 32	Q4
YTD	+0.12%	+0.62%	-0.50	26 / 32	Q4
1Y	+0.13%	+1.97%	-1.84	25 / 32	Q4
2Y	+0.03%	+2.91%	-2.88	28 / 31	Q4
3Y	+0.08%	+3.12%	-3.04	28 / 31	Q4
4Y	+0.69%	+3.11%	-2.41	25 / 31	Q4
5Y	+0.00%	+2.75%	-2.75	28 / 31	Q4
7Y	+0.15%	+2.73%	-2.59	25 / 28	Q4
10Y	+0.19%	+3.15%	-2.96	21 / 25	Q4
Inception	+0.13%	+2.92%	-2.79	30 / 32	Q4

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
2026 YTD	+0.12%	+1.03%	-0.91	15 / 17
2025	-0.10%	+3.35%	-3.45	18 / 20
2024	+0.00%	+4.91%	-4.91	18 / 20
2023	+0.01%	+3.99%	-3.98	18 / 20
2022	+0.03%	+0.86%	-0.83	17 / 24
2021	-0.07%	+2.88%	-2.95	16 / 25
2020	+0.91%	+1.22%	-0.31	17 / 30
2019	-0.23%	+2.51%	-2.75	24 / 30
2018	+0.41%	+2.64%	-2.23	23 / 30
2017	-0.03%	+2.00%	-2.03	18 / 30
2016	+0.50%	+5.02%	-4.52	25 / 31

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

+0.11%

208 windows

min -6.0% · max 3.2%

51% positive

3-Year rolling

+0.12%

184 windows

min -1.6% · max 1.2%

70% positive

5-Year rolling

+0.12%

159 windows

min -0.9% · max 1.0%

74% positive

7-Year rolling

+0.15%

135 windows

min -0.8% · max 0.5%

88% positive

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

0.73%

3-year · annualised

Sharpe ratio

-8.83

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.88%

Mar 2024 → Aug 2025

% 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.

Peers in Medium Duration Fund

Scheme	Fund house	NAV	As of
HDFC High Interest Fund - Short Term Plan-Dividend Option	HDFC	₹10.1842	9 Jun 2026
Nippon India Medium Duration Fund - Segregated Portfolio 2 - Bonus Option	Nippon India	₹0.0000	9 Jun 2026
SBI Magnum Income Plus Fund - Investment Plan (D)	SBI	₹20.8559	9 Jun 2026
ICICI Prudential Long Term Floating Rate Plan-Plan A-Growth	ICICI Prudential	₹47.6437	9 Jun 2026
Kotak Medium Term Fund - Standard Income Distribution cum capital withdrawal option	Kotak	₹14.7742	9 Jun 2026
IDFC - SSIF - Medium Term - Bimonthly Dividend Option	IDFC	₹10.3482	9 Jun 2026
Sundaram BNP Paribas Bond Saver-Growth	Sundaram BNP Paribas	₹71.0052	9 Jun 2026

Recent NAVs

Date	NAV
9 Jun 2026	₹10.2872
8 Jun 2026	₹10.2872
5 Jun 2026	₹10.2872
4 Jun 2026	₹10.2853
3 Jun 2026	₹10.2761
2 Jun 2026	₹10.2813
1 Jun 2026	₹10.2740
31 May 2026	₹10.2737
29 May 2026	₹10.2708
27 May 2026	₹10.2580

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 09 Jun 2026, the NAV of IDFC - SSIF - Medium Term - Daily Dividend Option is ₹10.2872. It's a Medium Duration Fund from IDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

IDFC - SSIF - Medium Term - Daily Dividend Option has NAV history starting from 02 Jun 2008, a track record of about 18 years. 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.

IDFC - SSIF - Medium Term - Daily Dividend Option is managed by IDFC. It's classified by AMFI under the 'Medium Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, IDFC - SSIF - Medium Term - Daily Dividend Option has delivered a absolute return of 0.13% — -1.84 pp behind the Medium Duration Fund category average of 1.97%. The fund ranks #25 of 32 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, IDFC - SSIF - Medium Term - Daily Dividend Option has delivered a CAGR of 0.08% — -3.04 pp behind the Medium Duration Fund category average of 3.12%. The fund ranks #28 of 31 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, IDFC - SSIF - Medium Term - Daily Dividend Option has delivered a CAGR of 0.00% — -2.75 pp behind the Medium Duration Fund category average of 2.75%. The fund ranks #28 of 31 in its category — the bottom (Q4) quartile.

₹1 lakh invested in IDFC - SSIF - Medium Term - Daily Dividend Option exactly 10 years ago would be worth approximately ₹101,902 today — a multiplier of 1.02×, based on the 10-year CAGR of 0.19%. The category average over the same window would have grown ₹1 lakh to ₹136,344.

A ₹10,000 monthly SIP in IDFC - SSIF - Medium Term - Daily Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹601,985 today. That's an XIRR (money-weighted annualised return) of 0.13%.

A ₹10,000 monthly SIP for 10 years in IDFC - SSIF - Medium Term - Daily Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,207,648 (multiplier 1.01×). XIRR: 0.13%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, IDFC - SSIF - Medium Term - Daily Dividend Option ranks #28 out of 31 funds in the Medium Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 2.75%; this fund delivered 0.00%.

The worst peak-to-trough decline IDFC - SSIF - Medium Term - Daily Dividend Option has experienced over the last 5-year window is 3.28% — its NAV fell from a high on 08 Jun 2021 to a low on 06 May 2022. 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, IDFC - SSIF - Medium Term - Daily Dividend Option averaged 0.12% (best 0.98%, worst -0.93%). 74% of rolling windows ended positive. The 5-year Sharpe ratio is -4.10 — negative risk-adjusted performance.

In calendar year 2025, IDFC - SSIF - Medium Term - Daily Dividend Option returned -0.10% — lagging the Medium Duration Fund category average of 3.35% by 3.45 pp. It ranked #18 of 20 in its category that year.

IDFC - SSIF - Medium Term - Daily 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. IDFC - SSIF - Medium Term - Daily 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: 3.3%. 5-year CAGR: 0.00%.

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