Should I invest in IDFC - SSIF - Short Term - Plan A - Fortnightly Dividend?

We don't give personal investment advice. IDFC - SSIF - Short Term - Plan A - 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: 2.4%. 5-year CAGR: 0.09%.

IDFC

IDFC - SSIF - Short Term - Plan A - Fortnightly Dividend

Latest NAV

₹10.4903

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

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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%	-0.02%	+0.02	15 / 39	Q2
1W	+0.54%	+15.22%	-14.68	20 / 40	Q2
2W	+0.77%	+15.32%	-14.55	15 / 40	Q2
1M	+0.46%	+17.08%	-16.62	23 / 40	Q3
3M	+0.41%	+17.51%	-17.10	33 / 40	Q4
6M	+0.41%	+18.24%	-17.83	31 / 40	Q4
YTD	+0.42%	+17.94%	-17.53	33 / 40	Q4
1Y	+0.35%	+19.53%	-19.18	28 / 40	Q3
2Y	+0.11%	+8.34%	-8.23	34 / 40	Q4
3Y	+0.20%	+5.79%	-5.59	31 / 40	Q4
4Y	+0.43%	+4.96%	-4.54	31 / 39	Q4
5Y	+0.09%	+4.13%	-4.04	32 / 38	Q4
7Y	+0.17%	+2.95%	-2.78	30 / 37	Q4
10Y	+0.10%	+4.98%	-4.87	24 / 27	Q4
Inception	+0.20%	+1.94%	-1.73	36 / 40	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	+0.42%	+0.90%	-0.49	19 / 21
2025	+0.03%	+34.44%	-34.41	22 / 25
2024	-0.14%	+3.79%	-3.93	25 / 25
2023	+0.13%	+4.24%	-4.11	20 / 25
2022	-0.02%	+2.62%	-2.64	23 / 26
2021	-0.11%	+3.74%	-3.85	21 / 26
2020	+0.54%	+3.74%	-3.20	20 / 30
2019	+0.14%	+2.23%	-2.09	17 / 30
2018	+0.25%	+2.73%	-2.48	18 / 30
2017	-0.18%	+2.37%	-2.55	30 / 37
2016	-0.17%	+5.27%	-5.44	32 / 37

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

+0.17%

208 windows

min -2.1% · max 1.8%

63% positive

3-Year rolling

+0.20%

184 windows

min -0.3% · max 1.0%

82% positive

5-Year rolling

+0.20%

159 windows

min -0.5% · max 0.6%

93% positive

7-Year rolling

+0.19%

135 windows

min -0.1% · max 0.5%

98% 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

0.91%

3-year · annualised

Sharpe ratio

-6.91

vs risk-free 6.5%

Sortino ratio

-9.25

Downside-only deviation

Max drawdown

-1.29%

Apr 2025 → Aug 2025

% positive months

61.1%

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	₹10.2839	9 Jun 2026
NIPPON INDIA SHORT DURATION FUND - IDCW Option	Nippon India	₹22.5826	9 Jun 2026
SBI SHORT HORIZON DEBT FUND-SHORT TERM FUND INSTTUTIONAL GROWTH	SBI	₹33.6905	9 Jun 2026
ICICI Prudential Short Term Plan - Div. Option	ICICI Prudential	₹12.1580	9 Jun 2026
Kotak Bond Short Term Plan-(Growth)	Kotak Mahindra	₹54.5051	9 Jun 2026
DSP BlackRock Short Term Fund-Dividend	DSP BlackRock	₹12.1803	9 Jun 2026
HSBC Short Duration Fund - Bonus	HSBC	₹27.7656	9 Jun 2026
UTI - Short Term Income Fund - Dividend Option	UTI	₹24.7324	9 Jun 2026
Reliance Short Term Fund-Dividend Re-investment Plan	Reliance	₹11.6120	9 Jun 2026
Sundaram Short Duration Fund (Formerly Known as Principal Short Term Debt Fund)- Income Distribution CUM Capital Withdrawal Option (IDCW)	Sundaram	₹13.0252	9 Jun 2026

Recent NAVs

Date	NAV
9 Jun 2026	₹10.4903
8 Jun 2026	₹10.4649
5 Jun 2026	₹10.4489
4 Jun 2026	₹10.4177
3 Jun 2026	₹10.4111
2 Jun 2026	₹10.4152
1 Jun 2026	₹10.4085
31 May 2026	₹10.4074
29 May 2026	₹10.4039
27 May 2026	₹10.3916

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 - Short Term - Plan A - Fortnightly Dividend is ₹10.4903. 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.

IDFC - SSIF - Short Term - Plan A - Fortnightly Dividend 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 - Short Term - Plan A - 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, IDFC - SSIF - Short Term - Plan A - Fortnightly Dividend has delivered a absolute return of 0.35% — -19.18 pp behind the Short Duration Fund category average of 19.53%. The fund ranks #28 of 40 in its category — the third (Q3) quartile.

Over the trailing 3-year window, IDFC - SSIF - Short Term - Plan A - Fortnightly Dividend has delivered a CAGR of 0.20% — -5.59 pp behind the Short Duration Fund category average of 5.79%. The fund ranks #31 of 40 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, IDFC - SSIF - Short Term - Plan A - Fortnightly Dividend has delivered a CAGR of 0.09% — -4.04 pp behind the Short Duration Fund category average of 4.13%. The fund ranks #32 of 38 in its category — the bottom (Q4) quartile.

₹1 lakh invested in IDFC - SSIF - Short Term - Plan A - Fortnightly Dividend exactly 10 years ago would be worth approximately ₹101,033 today — a multiplier of 1.01×, based on the 10-year CAGR of 0.10%. The category average over the same window would have grown ₹1 lakh to ₹162,505.

A ₹10,000 monthly SIP in IDFC - SSIF - Short Term - Plan A - Fortnightly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹602,784 today. That's an XIRR (money-weighted annualised return) of 0.18%.

A ₹10,000 monthly SIP for 10 years in IDFC - SSIF - Short Term - Plan A - Fortnightly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,208,869 (multiplier 1.01×). XIRR: 0.15%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, IDFC - SSIF - Short Term - Plan A - Fortnightly Dividend ranks #32 out of 38 funds in the Short Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 4.13%; this fund delivered 0.09%.

The worst peak-to-trough decline IDFC - SSIF - Short Term - Plan A - Fortnightly Dividend has experienced over the last 5-year window is 2.36% — its NAV fell from a high on 14 Feb 2022 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 - Short Term - Plan A - Fortnightly Dividend averaged 0.20% (best 0.58%, worst -0.46%). 93% of rolling windows ended positive. The 5-year Sharpe ratio is -5.40 — negative risk-adjusted performance.

In calendar year 2025, IDFC - SSIF - Short Term - Plan A - Fortnightly Dividend returned 0.03% — lagging the Short Duration Fund category average of 34.44% by 34.41 pp. It ranked #22 of 25 in its category that year.

IDFC - SSIF - Short Term - Plan A - 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. IDFC - SSIF - Short Term - Plan A - 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: 2.4%. 5-year CAGR: 0.09%.

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