Should I invest in IDFC - SSIF - ST -Plan B?

We don't give personal investment advice. IDFC - SSIF - ST -Plan B - 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: 1.8%. 5-year CAGR: 8.77%.

IDFC

IDFC - SSIF - ST -Plan B - Growth

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%	-9.99%	+9.98	718 / 1129	Q3
1W	+0.14%	-13.04%	+13.18	187 / 1151	Q1
2W	-0.05%	-13.18%	+13.14	391 / 1149	Q2
1M	+0.21%	-13.26%	+13.48	284 / 1137	Q1
3M	+1.22%	-13.15%	+14.37	242 / 1116	Q1
6M	+3.78%	-15.45%	+19.23	198 / 906	Q1
YTD	+0.71%	-15.77%	+16.48	353 / 952	Q2
1Y	+9.10%	-13.09%	+22.19	136 / 820	Q1
2Y	+8.42%	-12.72%	+21.14	53 / 446	Q1
3Y	+9.06%	-11.01%	+20.07	24 / 385	Q1
4Y	+8.71%	-6.52%	+15.22	30 / 339	Q1
5Y	+8.77%	-7.36%	+16.13	26 / 314	Q1
7Y	+8.29%	+2.53%	+5.76	27 / 234	Q1
10Y	—	—	—	—	—
Inception	+6.24%	-13.63%	+19.87	301 / 1199	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
2017 YTD	+0.71%	+1.63%	-0.92	62 / 137
2016	+8.84%	+3.02%	+5.82	27 / 181
2015	+8.10%	+2.22%	+5.88	31 / 216
2014	+10.05%	+5.51%	+4.54	52 / 240
2013	+7.55%	-1.95%	+9.50	65 / 276
2012	+9.39%	+1.38%	+8.01	84 / 295
2011	+9.45%	-3.16%	+12.61	30 / 317
2010	+3.69%	-5.78%	+9.47	114 / 377
2009	+5.54%	-12.86%	+18.40	196 / 713
2008	—	—	—	—

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

+7.25%

93 windows

min -8.5% · max 10.8%

95% positive

3-Year rolling

+7.97%

68 windows

min 1.5% · max 9.6%

100% positive

5-Year rolling

+7.93%

44 windows

min 4.4% · max 9.1%

100% positive

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

7-Year rolling

+7.46%

20 windows

min 5.7% · max 8.3%

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

1.07%

3-year · annualised

Sharpe ratio

2.07

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.53%

Dec 2016 → Dec 2016

% 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
17 Feb 2017	₹18.4549
16 Feb 2017	₹18.4554
15 Feb 2017	₹18.4522
14 Feb 2017	₹18.4434
13 Feb 2017	₹18.4437
10 Feb 2017	₹18.4293
9 Feb 2017	₹18.4055
8 Feb 2017	₹18.4167
7 Feb 2017	₹18.4796
6 Feb 2017	₹18.4754

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.

IDFC - SSIF - ST -Plan B - Growth is a Income from IDFC (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.

IDFC - SSIF - ST -Plan B - Growth 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 - ST -Plan B - Growth is managed by IDFC. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, IDFC - SSIF - ST -Plan B - Growth has delivered a absolute return of 9.10% — +22.19 pp ahead of the Income category average of -13.09%. The fund ranks #136 of 820 in its category — the top (Q1) quartile.

Over the trailing 3-year window, IDFC - SSIF - ST -Plan B - Growth has delivered a CAGR of 9.06% — +20.07 pp ahead of the Income category average of -11.01%. The fund ranks #24 of 385 in its category — the top (Q1) quartile.

Over the trailing 5-year window, IDFC - SSIF - ST -Plan B - Growth has delivered a CAGR of 8.77% — +16.13 pp ahead of the Income category average of -7.36%. The fund ranks #26 of 314 in its category — the top (Q1) quartile.

₹1 lakh invested in IDFC - SSIF - ST -Plan B - Growth exactly 5 years ago would be worth approximately ₹152,253 today — a multiplier of 1.52×, based on the 5-year CAGR of 8.77%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in IDFC - SSIF - ST -Plan B - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹747,507 today. That's an XIRR (money-weighted annualised return) of 8.70%.

IDFC - SSIF - ST -Plan B - Growth doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,145,503 — XIRR 8.70%.

On a 5-year basis, IDFC - SSIF - ST -Plan B - Growth ranks #26 out of 314 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -7.36%; this fund delivered 8.77%.

The worst peak-to-trough decline IDFC - SSIF - ST -Plan B - Growth has experienced over the last 5-year window is 1.78% — its NAV fell from a high on 12 Jul 2013 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, IDFC - SSIF - ST -Plan B - Growth averaged 7.93% (best 9.07%, worst 4.45%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 1.41 — strong risk-adjusted performance.

In calendar year 2016, IDFC - SSIF - ST -Plan B - Growth returned 8.84% — beating the Income category average of 3.02% by 5.82 pp. It ranked #27 of 181 in its category that year.

IDFC - SSIF - ST -Plan B - 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. IDFC - SSIF - ST -Plan B - 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: 1.8%. 5-year CAGR: 8.77%.

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

IDFC - SSIF - ST -Plan B - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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