Should I invest in IDFC GSF - Investment Plan - Annual Dividend?

We don't give personal investment advice. IDFC GSF - Investment Plan - 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: 38.6%. 5-year CAGR: 0.07%.

IDFC

IDFC GSF - Investment Plan - 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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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%	+9.99	716 / 1129	Q3
1W	+0.14%	-13.04%	+13.18	184 / 1151	Q1
2W	-1.20%	-13.18%	+11.99	586 / 1149	Q3
1M	-0.73%	-13.26%	+12.54	543 / 1137	Q2
3M	-0.49%	-13.15%	+12.65	728 / 1116	Q3
6M	+4.85%	-15.45%	+20.30	118 / 906	Q1
YTD	-0.66%	-15.77%	+15.12	542 / 952	Q3
1Y	-30.22%	-13.09%	-17.13	685 / 820	Q4
2Y	-15.20%	-12.72%	-2.48	373 / 446	Q4
3Y	-5.23%	-11.01%	+5.78	326 / 385	Q4
4Y	-2.96%	-6.52%	+3.56	297 / 339	Q4
5Y	+0.07%	-7.36%	+7.43	209 / 314	Q3
7Y	+2.35%	+2.53%	-0.18	108 / 234	Q2
10Y	—	—	—	—	—
Inception	+2.36%	-13.63%	+15.99	356 / 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	-0.66%	+1.63%	-2.28	119 / 137
2016	-30.16%	+3.02%	-33.18	180 / 181
2015	+6.30%	+2.22%	+4.08	62 / 216
2014	+16.61%	+5.51%	+11.10	10 / 240
2013	+5.34%	-1.95%	+7.29	82 / 276
2012	+11.86%	+1.38%	+10.48	16 / 295
2011	+9.46%	-3.16%	+12.63	24 / 317
2010	+3.45%	-5.78%	+9.23	121 / 377
2009	-16.65%	-12.86%	-3.80	599 / 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

+2.53%

95 windows

min -35.6% · max 18.4%

81% positive

3-Year rolling

+5.86%

70 windows

min -8.5% · max 11.9%

81% positive

5-Year rolling

+6.16%

46 windows

min -0.2% · max 10.6%

96% positive

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

7-Year rolling

+4.09%

22 windows

min -0.1% · max 8.3%

95% 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

22.22%

3-year · annualised

Sharpe ratio

-0.38

vs risk-free 6.5%

Sortino ratio

-0.39

Downside-only deviation

Max drawdown

-38.56%

Mar 2016 → Mar 2016

% positive months

72.2%

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	₹13.4160
16 Feb 2017	₹13.4163
15 Feb 2017	₹13.4032
14 Feb 2017	₹13.3972
13 Feb 2017	₹13.4039
10 Feb 2017	₹13.3967
9 Feb 2017	₹13.3674
8 Feb 2017	₹13.4290
7 Feb 2017	₹13.5752
6 Feb 2017	₹13.5781

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 GSF - Investment Plan - 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 GSF - Investment Plan - 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 GSF - Investment Plan - 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 GSF - Investment Plan - Annual Dividend has delivered a absolute return of -30.22% — -17.13 pp behind the Income category average of -13.09%. The fund ranks #685 of 820 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, IDFC GSF - Investment Plan - Annual Dividend has delivered a CAGR of -5.23% — +5.78 pp ahead of the Income category average of -11.01%. The fund ranks #326 of 385 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, IDFC GSF - Investment Plan - Annual Dividend has delivered a CAGR of 0.07% — +7.43 pp ahead of the Income category average of -7.36%. The fund ranks #209 of 314 in its category — the third (Q3) quartile.

₹1 lakh invested in IDFC GSF - Investment Plan - Annual Dividend exactly 5 years ago would be worth approximately ₹100,348 today — a multiplier of 1.00×, based on the 5-year CAGR of 0.07%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in IDFC GSF - Investment Plan - Annual Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹519,775 today. That's an XIRR (money-weighted annualised return) of -5.61%.

IDFC GSF - Investment Plan - 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 ₹787,115 — XIRR -1.84%.

On a 5-year basis, IDFC GSF - Investment Plan - Annual Dividend ranks #209 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 0.07%.

The worst peak-to-trough decline IDFC GSF - Investment Plan - Annual Dividend has experienced over the last 5-year window is 38.56% — 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 GSF - Investment Plan - Annual Dividend averaged 6.16% (best 10.56%, worst -0.22%). 96% of rolling windows ended positive. The 5-year Sharpe ratio is -0.25 — negative risk-adjusted performance.

In calendar year 2016, IDFC GSF - Investment Plan - Annual Dividend returned -30.16% — lagging the Income category average of 3.02% by 33.18 pp. It ranked #180 of 181 in its category that year.

IDFC GSF - Investment Plan - 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 GSF - Investment Plan - 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: 38.6%. 5-year CAGR: 0.07%.

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