Should I invest in IDFC-Money Manager Fund-Investment Plan-Inst Plan B?

We don't give personal investment advice. IDFC-Money Manager Fund-Investment Plan-Inst Plan B-Growth 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: 1.3%. 5-year CAGR: 7.71%.

IDFC

IDFC-Money Manager Fund-Investment Plan-Inst Plan B-Growth

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	733 / 1129	Q3
1W	+0.01%	-13.04%	+13.05	356 / 1151	Q2
2W	+0.16%	-13.18%	+13.35	241 / 1149	Q1
1M	-0.50%	-13.26%	+12.77	513 / 1137	Q2
3M	+0.90%	-13.15%	+14.05	296 / 1116	Q2
6M	+0.81%	-15.45%	+16.26	405 / 906	Q2
YTD	+1.10%	-15.77%	+16.87	322 / 952	Q2
1Y	+4.24%	-13.09%	+17.32	340 / 820	Q2
2Y	+6.30%	-12.72%	+19.02	112 / 446	Q2
3Y	+7.09%	-11.01%	+18.10	75 / 385	Q1
4Y	+7.53%	-6.52%	+14.05	70 / 339	Q1
5Y	+7.71%	-7.36%	+15.07	63 / 314	Q1
7Y	+8.24%	+2.53%	+5.72	31 / 234	Q1
10Y	+7.71%	+3.14%	+4.57	18 / 101	Q1
Inception	+7.75%	-13.63%	+21.39	227 / 1199	Q1

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
2018 YTD	+1.10%	+1.30%	-0.20	45 / 90
2017	+5.53%	+1.63%	+3.90	23 / 137
2016	+9.03%	+3.02%	+6.01	25 / 181
2015	+8.59%	+2.22%	+6.37	16 / 216
2014	+9.15%	+5.51%	+3.64	64 / 240
2013	+8.33%	-1.95%	+10.29	43 / 276
2012	+9.74%	+1.38%	+8.36	59 / 295
2011	+8.92%	-3.16%	+12.08	68 / 317
2010	+5.66%	-5.78%	+11.44	46 / 377
2009	+5.81%	-12.86%	+18.67	180 / 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

+7.99%

110 windows

min 4.2% · max 10.5%

100% positive

3-Year rolling

+8.38%

85 windows

min 6.7% · max 9.5%

100% positive

5-Year rolling

+8.46%

61 windows

min 7.4% · max 9.1%

100% positive

7-Year rolling

+8.36%

37 windows

min 8.0% · max 8.8%

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

1.37%

3-year · annualised

Sharpe ratio

0.29

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.89%

Apr 2018 → Apr 2018

% positive months

91.7%

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
11 May 2018	₹26.7925
10 May 2018	₹26.7972
9 May 2018	₹26.8128
8 May 2018	₹26.8289
7 May 2018	₹26.8212
4 May 2018	₹26.7896
3 May 2018	₹26.7936
2 May 2018	₹26.7895
27 Apr 2018	₹26.7489
26 Apr 2018	₹26.7537

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-Money Manager Fund-Investment Plan-Inst Plan B-Growth 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-Money Manager Fund-Investment Plan-Inst Plan B-Growth 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-Money Manager Fund-Investment Plan-Inst Plan B-Growth 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-Money Manager Fund-Investment Plan-Inst Plan B-Growth has delivered a absolute return of 4.24% — +17.32 pp ahead of the Income category average of -13.09%. The fund ranks #340 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, IDFC-Money Manager Fund-Investment Plan-Inst Plan B-Growth has delivered a CAGR of 7.09% — +18.1 pp ahead of the Income category average of -11.01%. The fund ranks #75 of 385 in its category — the top (Q1) quartile.

Over the trailing 5-year window, IDFC-Money Manager Fund-Investment Plan-Inst Plan B-Growth has delivered a CAGR of 7.71% — +15.07 pp ahead of the Income category average of -7.36%. The fund ranks #63 of 314 in its category — the top (Q1) quartile.

₹1 lakh invested in IDFC-Money Manager Fund-Investment Plan-Inst Plan B-Growth exactly 10 years ago would be worth approximately ₹210,145 today — a multiplier of 2.10×, based on the 10-year CAGR of 7.71%. The category average over the same window would have grown ₹1 lakh to ₹136,244.

A ₹10,000 monthly SIP in IDFC-Money Manager Fund-Investment Plan-Inst Plan B-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹716,735 today. That's an XIRR (money-weighted annualised return) of 7.04%.

IDFC-Money Manager Fund-Investment Plan-Inst Plan B-Growth doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,100,198 — XIRR 7.59%.

On a 5-year basis, IDFC-Money Manager Fund-Investment Plan-Inst Plan B-Growth ranks #63 out of 314 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -7.36%; this fund delivered 7.71%.

The worst peak-to-trough decline IDFC-Money Manager Fund-Investment Plan-Inst Plan B-Growth has experienced over the last 5-year window is 1.27% — its NAV fell from a high on 15 Jul 2013 to a low on 24 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-Money Manager Fund-Investment Plan-Inst Plan B-Growth averaged 8.46% (best 9.11%, worst 7.43%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.73 — reasonable risk-adjusted performance.

In calendar year 2017, IDFC-Money Manager Fund-Investment Plan-Inst Plan B-Growth returned 5.53% — beating the Income category average of 1.63% by 3.90 pp. It ranked #23 of 137 in its category that year.

IDFC-Money Manager Fund-Investment Plan-Inst Plan B-Growth 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-Money Manager Fund-Investment Plan-Inst Plan B-Growth 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: 1.3%. 5-year CAGR: 7.71%.

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

IDFC-Money Manager Fund-Investment Plan-Inst Plan B-Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

More from IDFC