Should I invest in IDFC GSF - Short Term - Monthly Dividend?

We don't give personal investment advice. IDFC GSF - Short Term - Monthly 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: 6.0%. 5-year CAGR: 0.01%.

IDFC

IDFC GSF - Short Term - Monthly Dividend

Latest NAV

₹10.4142

As of

3 Jun 2026

4,348 NAV records on file

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	+0.11%	+0.03%	+0.09	4 / 10	Q2
1W	+0.28%	-0.05%	+0.33	1 / 10	Q1
2W	+0.97%	+0.64%	+0.32	1 / 10	Q1
1M	+0.74%	+0.47%	+0.27	1 / 10	Q1
3M	-0.27%	+0.65%	-0.91	5 / 10	Q2
6M	+0.02%	-0.08%	+0.11	6 / 10	Q3
YTD	-0.15%	-0.02%	-0.13	6 / 10	Q3
1Y	+0.12%	-0.37%	+0.49	4 / 10	Q2
2Y	-0.21%	+1.93%	-2.14	9 / 10	Q4
3Y	-0.08%	+1.89%	-1.97	7 / 10	Q3
4Y	+1.04%	+2.74%	-1.70	7 / 10	Q3
5Y	+0.01%	+1.73%	-1.73	7 / 10	Q3
7Y	-0.11%	+2.04%	-2.15	9 / 10	Q4
10Y	-0.01%	+2.72%	-2.73	6 / 7	Q4
Inception	+0.21%	+2.20%	-1.98	7 / 10	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
2026 YTD	-0.15%	+0.03%	-0.18	4 / 7
2025	+0.02%	+3.97%	-3.95	7 / 7
2024	+0.06%	+4.26%	-4.20	7 / 7
2023	+0.20%	+3.45%	-3.25	6 / 7
2022	+0.25%	+0.36%	-0.11	5 / 10
2021	-0.51%	-0.38%	-0.13	4 / 10
2020	-0.27%	+3.17%	-3.43	8 / 10
2019	+0.29%	+2.96%	-2.67	8 / 10
2018	+0.41%	+5.50%	-5.09	9 / 10
2017	-0.57%	-0.45%	-0.12	6 / 10
2016	-0.20%	+2.26%	-2.46	9 / 10

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

+0.26%

208 windows

min -4.8% · max 4.8%

59% positive

3-Year rolling

+0.25%

183 windows

min -2.1% · max 1.7%

68% positive

5-Year rolling

+0.26%

159 windows

min -0.9% · max 1.1%

69% positive

7-Year rolling

+0.28%

135 windows

min -0.6% · max 0.9%

73% positive

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

2.73%

3-year · annualised

Sharpe ratio

-2.40

vs risk-free 6.5%

Sortino ratio

-3.17

Downside-only deviation

Max drawdown

-5.36%

Apr 2025 → Apr 2026

% positive months

50.0%

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.

Peers in Gilt Fund with 10-year Constant Duration

Scheme	Fund house	NAV	As of
SBI Constant Maturity 10 Year Gilt Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.0454	3 Jun 2026
ICICI Prudential Constant Maturity Gilt Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹11.5552	3 Jun 2026
Bandhan Gilt Fund with 10 year constant duration Fund - Direct Plan - Monthly IDCW	Bandhan	₹10.4595	3 Jun 2026
DSP 10Y G-Sec Fund - Direct Plan - IDCW	DSP	₹10.5983	3 Jun 2026
UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Annual IDCW Option	UTI	₹11.3787	3 Jun 2026
IDFC GSF - Short Term - Growth	IDFC	₹47.2400	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹10.4142
2 Jun 2026	₹10.4044
1 Jun 2026	₹10.3929
31 May 2026	₹10.4023
29 May 2026	₹10.4005
27 May 2026	₹10.3838
26 May 2026	₹10.3756
25 May 2026	₹10.3759
22 May 2026	₹10.3337
21 May 2026	₹10.3149

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.

As of 03 Jun 2026, the NAV of IDFC GSF - Short Term - Monthly Dividend is ₹10.4142. It's a Gilt Fund with 10-year Constant Duration from IDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

IDFC GSF - Short Term - Monthly 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 - Short Term - Monthly Dividend is managed by IDFC. It's classified by AMFI under the 'Gilt Fund with 10-year Constant Duration' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, IDFC GSF - Short Term - Monthly Dividend has delivered a absolute return of 0.12% — +0.49 pp ahead of the Gilt Fund with 10-year Constant Duration category average of -0.37%. The fund ranks #4 of 10 in its category — the second (Q2) quartile.

Over the trailing 3-year window, IDFC GSF - Short Term - Monthly Dividend has delivered a CAGR of -0.08% — -1.97 pp behind the Gilt Fund with 10-year Constant Duration category average of 1.89%. The fund ranks #7 of 10 in its category — the third (Q3) quartile.

Over the trailing 5-year window, IDFC GSF - Short Term - Monthly Dividend has delivered a CAGR of 0.01% — -1.73 pp behind the Gilt Fund with 10-year Constant Duration category average of 1.73%. The fund ranks #7 of 10 in its category — the third (Q3) quartile.

₹1 lakh invested in IDFC GSF - Short Term - Monthly Dividend exactly 10 years ago would be worth approximately ₹99,909 today — a multiplier of 1.00×, based on the 10-year CAGR of -0.01%. The category average over the same window would have grown ₹1 lakh to ₹130,789.

A ₹10,000 monthly SIP in IDFC GSF - Short Term - Monthly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹602,320 today. That's an XIRR (money-weighted annualised return) of 0.15%.

A ₹10,000 monthly SIP for 10 years in IDFC GSF - Short Term - Monthly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,202,563 (multiplier 1.00×). XIRR: 0.04%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, IDFC GSF - Short Term - Monthly Dividend ranks #7 out of 10 funds in the Gilt Fund with 10-year Constant Duration category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 1.73%; this fund delivered 0.01%.

The worst peak-to-trough decline IDFC GSF - Short Term - Monthly Dividend has experienced over the last 5-year window is 6.02% — its NAV fell from a high on 30 Aug 2021 to a low on 13 Jun 2022. 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 - Short Term - Monthly Dividend averaged 0.26% (best 1.08%, worst -0.92%). 69% of rolling windows ended positive. The 5-year Sharpe ratio is -2.12 — negative risk-adjusted performance.

In calendar year 2025, IDFC GSF - Short Term - Monthly Dividend returned 0.02% — lagging the Gilt Fund with 10-year Constant Duration category average of 3.97% by 3.95 pp. It ranked #7 of 7 in its category that year.

IDFC GSF - Short Term - Monthly 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 - Short Term - Monthly 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: 6.0%. 5-year CAGR: 0.01%.

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