Should I invest in IDFC Cash Fund?

We don't give personal investment advice. IDFC Cash Fund - Dividend (Weekly) 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: 0.3%. 5-year CAGR: 0.01%.

IDFC

IDFC Cash Fund - Dividend (Weekly)

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 5 Nov 2011. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

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	+0.01%	-9.99%	+10.00	188 / 1129	Q1
1W	+0.00%	-13.04%	+13.04	369 / 1151	Q2
2W	0.00%	-13.18%	+13.18	376 / 1149	Q2
1M	+0.03%	-13.26%	+13.29	349 / 1137	Q2
3M	-0.02%	-13.15%	+13.13	474 / 1116	Q2
6M	-0.02%	-15.45%	+15.43	493 / 906	Q3
YTD	+0.07%	-15.77%	+15.85	410 / 952	Q2
1Y	+0.00%	-13.09%	+13.09	450 / 820	Q3
2Y	+0.00%	-12.72%	+12.73	282 / 446	Q3
3Y	+0.01%	-11.01%	+11.02	248 / 385	Q3
4Y	+0.01%	-6.52%	+6.53	228 / 339	Q3
5Y	+0.01%	-7.36%	+7.37	217 / 314	Q3
7Y	+0.02%	+2.53%	-2.51	189 / 234	Q4
10Y	—	—	—	—	—
Inception	-0.19%	-13.63%	+13.44	893 / 1199	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	+0.07%	+1.63%	-1.55	84 / 137
2016	-0.06%	+3.02%	-3.08	151 / 181
2015	+0.01%	+2.22%	-2.21	150 / 216
2014	+0.00%	+5.51%	-5.51	182 / 240
2013	+0.01%	-1.95%	+1.96	157 / 276
2012	+0.02%	+1.38%	-1.36	207 / 295
2011	+0.00%	-3.16%	+3.16	200 / 317
2010	+0.00%	-5.78%	+5.78	269 / 377
2009	-1.83%	-12.86%	+11.02	491 / 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

-0.23%

95 windows

min -1.9% · max 0.2%

67% positive

3-Year rolling

-0.10%

70 windows

min -0.6% · max 0.1%

60% positive

5-Year rolling

-0.09%

46 windows

min -0.4% · max 0.0%

52% positive

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

7-Year rolling

-0.16%

22 windows

min -0.3% · max 0.0%

36% 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

0.18%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.23%

Mar 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.

Recent NAVs

Date	NAV
17 Feb 2017	₹1,002.1311
16 Feb 2017	₹1,001.9844
15 Feb 2017	₹1,001.8304
14 Feb 2017	₹1,001.6802
13 Feb 2017	₹1,001.5316
12 Feb 2017	₹1,001.3735
10 Feb 2017	₹1,002.1144
9 Feb 2017	₹1,001.9704
8 Feb 2017	₹1,001.8304
7 Feb 2017	₹1,001.6804

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 Cash Fund - Dividend (Weekly) 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 Cash Fund - Dividend (Weekly) has NAV history starting from 31 May 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 Cash Fund - Dividend (Weekly) 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 Cash Fund - Dividend (Weekly) has delivered a absolute return of 0.00% — +13.09 pp ahead of the Income category average of -13.09%. The fund ranks #450 of 820 in its category — the third (Q3) quartile.

Over the trailing 3-year window, IDFC Cash Fund - Dividend (Weekly) has delivered a CAGR of 0.01% — +11.02 pp ahead of the Income category average of -11.01%. The fund ranks #248 of 385 in its category — the third (Q3) quartile.

Over the trailing 5-year window, IDFC Cash Fund - Dividend (Weekly) has delivered a CAGR of 0.01% — +7.37 pp ahead of the Income category average of -7.36%. The fund ranks #217 of 314 in its category — the third (Q3) quartile.

₹1 lakh invested in IDFC Cash Fund - Dividend (Weekly) exactly 5 years ago would be worth approximately ₹100,064 today — a multiplier of 1.00×, based on the 5-year CAGR of 0.01%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in IDFC Cash Fund - Dividend (Weekly) over the last 5 years — total invested ₹600,000 — would be worth ₹600,156 today. That's an XIRR (money-weighted annualised return) of 0.01%.

IDFC Cash Fund - Dividend (Weekly) doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹840,285 — XIRR 0.01%.

On a 5-year basis, IDFC Cash Fund - Dividend (Weekly) ranks #217 out of 314 funds in the Income category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -7.36%; this fund delivered 0.01%.

The worst peak-to-trough decline IDFC Cash Fund - Dividend (Weekly) has experienced over the last 5-year window is 0.31% — its NAV fell from a high on 12 Apr 2012 to a low on 16 Jul 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 Cash Fund - Dividend (Weekly) averaged -0.09% (best 0.04%, worst -0.37%). 52% of rolling windows ended positive.

In calendar year 2016, IDFC Cash Fund - Dividend (Weekly) returned -0.06% — lagging the Income category average of 3.02% by 3.08 pp. It ranked #151 of 181 in its category that year.

IDFC Cash Fund - Dividend (Weekly) 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 Cash Fund - Dividend (Weekly) 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: 0.01%.

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