Should I invest in IDFC Cash Fund - Plan B (G) (Institutional Plan)?

We don't give personal investment advice. IDFC Cash Fund - Plan B (G) (Institutional Plan) 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: 0.2%. 5-year CAGR: 8.08%.

IDFC

IDFC Cash Fund - Plan B (G) (Institutional Plan)

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%	+6.99%	-6.98	117 / 763	Q1
1W	+0.11%	+6.38%	-6.27	173 / 722	Q1
2W	+0.21%	+6.63%	-6.42	174 / 725	Q1
1M	+0.46%	+6.29%	-5.83	187 / 752	Q1
3M	+1.39%	+7.87%	-6.47	247 / 728	Q2
6M	+2.97%	+9.67%	-6.71	291 / 642	Q2
YTD	+0.71%	+8.47%	-7.76	350 / 666	Q3
1Y	+6.67%	+13.70%	-7.03	288 / 591	Q2
2Y	+7.06%	-5.03%	+12.09	51 / 197	Q2
3Y	+7.59%	-3.09%	+10.68	31 / 140	Q1
4Y	+7.88%	+1.62%	+6.26	20 / 119	Q1
5Y	+8.08%	-0.16%	+8.23	16 / 102	Q1
7Y	+7.83%	+2.05%	+5.79	11 / 64	Q1
10Y	—	—	—	—	—
Inception	+7.52%	-3.28%	+10.80	281 / 797	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%	+0.74%	-0.03	8 / 23
2016	+6.83%	+195.67%	-188.84	12 / 38
2015	+7.59%	+2.23%	+5.37	11 / 65
2014	+8.68%	+2.77%	+5.91	24 / 82
2013	+8.66%	+1.77%	+6.89	12 / 101
2012	+9.03%	-0.30%	+9.34	24 / 113
2011	+8.58%	+1.75%	+6.83	29 / 109
2010	+5.10%	-0.95%	+6.05	27 / 165
2009	+4.89%	-0.31%	+5.20	145 / 482
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

+7.53%

95 windows

min 4.0% · max 9.3%

100% positive

3-Year rolling

+7.92%

70 windows

min 6.2% · max 8.9%

100% positive

5-Year rolling

+7.98%

46 windows

min 7.2% · max 8.5%

100% positive

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

7-Year rolling

+7.64%

22 windows

min 7.5% · max 7.8%

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

0.29%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.00%

Peak to trough

% 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	₹2,792.3769
16 Feb 2017	₹2,791.9607
15 Feb 2017	₹2,791.5242
14 Feb 2017	₹2,791.0985
13 Feb 2017	₹2,790.6771
12 Feb 2017	₹2,790.2290
10 Feb 2017	₹2,789.4158
9 Feb 2017	₹2,789.0076
8 Feb 2017	₹2,788.6105
7 Feb 2017	₹2,788.1857

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 - Plan B (G) (Institutional Plan) is a Income from IDFC (Institutional 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 - Plan B (G) (Institutional Plan) 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 - Plan B (G) (Institutional Plan) 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 - Plan B (G) (Institutional Plan) has delivered a absolute return of 6.67% — -7.03 pp behind the Income category average of 13.70%. The fund ranks #288 of 591 in its category — the second (Q2) quartile.

Over the trailing 3-year window, IDFC Cash Fund - Plan B (G) (Institutional Plan) has delivered a CAGR of 7.59% — +10.68 pp ahead of the Income category average of -3.09%. The fund ranks #31 of 140 in its category — the top (Q1) quartile.

Over the trailing 5-year window, IDFC Cash Fund - Plan B (G) (Institutional Plan) has delivered a CAGR of 8.08% — +8.23 pp ahead of the Income category average of -0.16%. The fund ranks #16 of 102 in its category — the top (Q1) quartile.

₹1 lakh invested in IDFC Cash Fund - Plan B (G) (Institutional Plan) exactly 5 years ago would be worth approximately ₹147,449 today — a multiplier of 1.47×, based on the 5-year CAGR of 8.08%. The category average over the same window would have grown ₹1 lakh to ₹99,222.

A ₹10,000 monthly SIP in IDFC Cash Fund - Plan B (G) (Institutional Plan) over the last 5 years — total invested ₹600,000 — would be worth ₹727,604 today. That's an XIRR (money-weighted annualised return) of 7.62%.

IDFC Cash Fund - Plan B (G) (Institutional Plan) doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,112,340 — XIRR 7.88%.

On a 5-year basis, IDFC Cash Fund - Plan B (G) (Institutional Plan) ranks #16 out of 102 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -0.16%; this fund delivered 8.08%.

The worst peak-to-trough decline IDFC Cash Fund - Plan B (G) (Institutional Plan) has experienced over the last 5-year window is 0.16% — its NAV fell from a high on 15 Jul 2013 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 - Plan B (G) (Institutional Plan) averaged 7.98% (best 8.53%, worst 7.23%). 100% of rolling windows ended positive.

In calendar year 2016, IDFC Cash Fund - Plan B (G) (Institutional Plan) returned 6.83% — lagging the Income category average of 195.67% by 188.84 pp. It ranked #12 of 38 in its category that year.

IDFC Cash Fund - Plan B (G) (Institutional Plan) 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 - Plan B (G) (Institutional Plan) 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: 0.2%. 5-year CAGR: 8.08%.

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

IDFC Cash Fund - Plan B (G) (Institutional Plan)

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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