Should I invest in IDFC Dynamic Bond Fund - Annual Dividend?

We don't give personal investment advice. IDFC Dynamic Bond Fund - Annual 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: 40.9%. 5-year CAGR: -1.47%.

IDFC

IDFC Dynamic Bond Fund - Annual Dividend

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	-0.02%	-9.99%	+9.97	736 / 1129	Q3
1W	+0.12%	-13.04%	+13.16	204 / 1151	Q1
2W	-0.92%	-13.18%	+12.27	561 / 1149	Q2
1M	-0.53%	-13.26%	+12.74	527 / 1137	Q2
3M	-0.23%	-13.15%	+12.91	678 / 1116	Q3
6M	+4.92%	-15.45%	+20.37	111 / 906	Q1
YTD	-0.42%	-15.77%	+15.35	507 / 952	Q3
1Y	-33.55%	-13.09%	-20.46	686 / 820	Q4
2Y	-17.11%	-12.72%	-4.38	374 / 446	Q4
3Y	-7.04%	-11.01%	+3.97	327 / 385	Q4
4Y	-4.63%	-6.52%	+1.89	302 / 339	Q4
5Y	-1.47%	-7.36%	+5.90	274 / 314	Q4
7Y	+1.08%	+2.53%	-1.45	136 / 234	Q3
10Y	—	—	—	—	—
Inception	+1.73%	-13.63%	+15.36	371 / 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	-0.42%	+1.63%	-2.05	108 / 137
2016	-33.47%	+3.02%	-36.49	181 / 181
2015	+6.04%	+2.22%	+3.82	68 / 216
2014	+15.57%	+5.51%	+10.06	17 / 240
2013	+3.77%	-1.95%	+5.72	100 / 276
2012	+10.61%	+1.38%	+9.23	37 / 295
2011	+10.87%	-3.16%	+14.03	8 / 317
2010	+3.32%	-5.78%	+9.10	123 / 377
2009	-12.21%	-12.86%	+0.65	594 / 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

+1.93%

95 windows

min -38.1% · max 16.9%

82% positive

3-Year rolling

+5.19%

70 windows

min -10.4% · max 10.6%

83% positive

5-Year rolling

+5.45%

46 windows

min -1.6% · max 9.7%

74% positive

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

7-Year rolling

+3.46%

22 windows

min -1.1% · max 8.0%

82% 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

23.52%

3-year · annualised

Sharpe ratio

-0.42

vs risk-free 6.5%

Sortino ratio

-0.43

Downside-only deviation

Max drawdown

-40.87%

Mar 2016 → Mar 2016

% positive months

75.0%

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	₹12.5201
16 Feb 2017	₹12.5223
15 Feb 2017	₹12.5133
14 Feb 2017	₹12.5075
13 Feb 2017	₹12.5118
10 Feb 2017	₹12.5049
9 Feb 2017	₹12.4772
8 Feb 2017	₹12.5244
7 Feb 2017	₹12.6347
6 Feb 2017	₹12.6357

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 Dynamic Bond Fund - Annual Dividend 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 Dynamic Bond Fund - Annual 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 Dynamic Bond Fund - Annual Dividend 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 Dynamic Bond Fund - Annual Dividend has delivered a absolute return of -33.55% — -20.46 pp behind the Income category average of -13.09%. The fund ranks #686 of 820 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, IDFC Dynamic Bond Fund - Annual Dividend has delivered a CAGR of -7.04% — +3.97 pp ahead of the Income category average of -11.01%. The fund ranks #327 of 385 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, IDFC Dynamic Bond Fund - Annual Dividend has delivered a CAGR of -1.47% — +5.9 pp ahead of the Income category average of -7.36%. The fund ranks #274 of 314 in its category — the bottom (Q4) quartile.

₹1 lakh invested in IDFC Dynamic Bond Fund - Annual Dividend exactly 5 years ago would be worth approximately ₹92,886 today — a multiplier of 0.93×, based on the 5-year CAGR of -1.47%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in IDFC Dynamic Bond Fund - Annual Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹494,824 today. That's an XIRR (money-weighted annualised return) of -7.52%.

IDFC Dynamic Bond Fund - Annual Dividend doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹741,182 — XIRR -3.54%.

On a 5-year basis, IDFC Dynamic Bond Fund - Annual Dividend ranks #274 out of 314 funds in the Income category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is -7.36%; this fund delivered -1.47%.

The worst peak-to-trough decline IDFC Dynamic Bond Fund - Annual Dividend has experienced over the last 5-year window is 40.87% — its NAV fell from a high on 17 Mar 2016 to a low on 18 Mar 2016. 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 Dynamic Bond Fund - Annual Dividend averaged 5.45% (best 9.73%, worst -1.61%). 74% of rolling windows ended positive. The 5-year Sharpe ratio is -0.30 — negative risk-adjusted performance.

In calendar year 2016, IDFC Dynamic Bond Fund - Annual Dividend returned -33.47% — lagging the Income category average of 3.02% by 36.49 pp. It ranked #181 of 181 in its category that year.

IDFC Dynamic Bond Fund - Annual 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 Dynamic Bond Fund - Annual 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: 40.9%. 5-year CAGR: -1.47%.

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