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

We don't give personal investment advice. IDFC - SSIF - 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: 7.0%. 5-year CAGR: 0.58%.

IDFC

IDFC - SSIF - Investment Plan - Annual Dividend

Latest NAV

₹11.9547

As of

17 Jul 2026

4,379 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%	-8.11%	+8.00	667 / 904	Q3
1W	-0.40%	-11.78%	+11.39	418 / 779	Q3
2W	-0.46%	-11.83%	+11.36	419 / 776	Q3
1M	+1.15%	-11.79%	+12.94	20 / 772	Q1
3M	+2.27%	-11.26%	+13.53	27 / 763	Q1
6M	+1.35%	-10.36%	+11.71	337 / 749	Q2
YTD	+1.07%	-10.43%	+11.50	303 / 747	Q2
1Y	+1.68%	-8.21%	+9.89	341 / 728	Q2
2Y	+1.02%	-5.24%	+6.26	316 / 660	Q2
3Y	+0.68%	-3.97%	+4.65	303 / 646	Q2
4Y	+1.72%	+3.38%	-1.66	81 / 136	Q3
5Y	+0.58%	+3.48%	-2.90	63 / 92	Q3
7Y	-0.22%	+3.34%	-3.56	70 / 76	Q4
10Y	+0.37%	+3.82%	-3.45	50 / 66	Q4
Inception	+0.60%	-1.10%	+1.71	509 / 904	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	+1.07%	+0.27%	+0.80	30 / 49
2025	-1.92%	+2.91%	-4.83	59 / 61
2024	+1.49%	+5.21%	-3.72	48 / 62
2023	+4.20%	+3.66%	+0.54	36 / 69
2022	-3.01%	-8.21%	+5.20	181 / 224
2021	-5.16%	-6.85%	+1.69	300 / 355
2020	+0.23%	+3.44%	-3.21	350 / 433
2019	+3.02%	+4.28%	-1.26	292 / 449
2018	+5.57%	+0.48%	+5.09	85 / 205
2017	-8.07%	+1.61%	-9.68	191 / 223
2016	-32.96%	+3.44%	-36.40	223 / 223

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

+0.94%

209 windows

min -37.0% · max 17.2%

66% positive

3-Year rolling

+0.42%

185 windows

min -14.3% · max 10.6%

63% positive

5-Year rolling

-0.30%

160 windows

min -8.3% · max 9.2%

36% positive

7-Year rolling

-0.97%

136 windows

min -6.9% · max 7.8%

35% 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

5.11%

3-year · annualised

Sharpe ratio

-1.10

vs risk-free 6.5%

Sortino ratio

-1.25

Downside-only deviation

Max drawdown

-6.66%

Mar 2024 → Apr 2024

% positive months

66.7%

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.

Peers in Medium to Long Duration Fund

Scheme	Fund house	NAV	As of
HDFC Charity Fund for Cancer Cure - IDCW Option - 50% IDCW Donation Option	HDFC	₹10.1158	17 Jul 2026
NIPPON INDIA FIXED MATURITY PLAN - XLI - SERIES 8 - IDCW Option	Nippon India	₹17.3494	17 Jul 2026
SBI Magnum Income Fund-Bonus	SBI	₹44.6708	17 Jul 2026
ICICI Prudential Bond Fund - Half Yearly IDCW	ICICI Prudential	₹11.3293	17 Jul 2026
Franklin India Medium to Long Duration Fund - IDCW	Franklin India	₹10.5884	17 Jul 2026
Canara Robeco Income-Growth Plan	Canara Robeco	₹56.9903	17 Jul 2026
UTI Bond Fund-Growth (for rep. After 6 months- No Load)	UTI	₹76.0625	17 Jul 2026
Birla Sun Life Income Plus (Dividend)	Birla Sun Life	₹13.0862	17 Jul 2026
IDFC - SSIF - Investment Plan - Growth Option	IDFC	₹67.9078	17 Jul 2026
JM Income Fund-Dividend	JM Financial	₹21.9310	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹11.9547
16 Jul 2026	₹11.9679
15 Jul 2026	₹11.9549
14 Jul 2026	₹11.9428
13 Jul 2026	₹11.9967
10 Jul 2026	₹12.0024
9 Jul 2026	₹11.9817
8 Jul 2026	₹11.9696
7 Jul 2026	₹12.0136
6 Jul 2026	₹12.0205

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 17 Jul 2026, the NAV of IDFC - SSIF - Investment Plan - Annual Dividend is ₹11.9547. It's a Medium to Long Duration Fund from IDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

IDFC - SSIF - Investment Plan - Annual Dividend has NAV history starting from 02 Jun 2008, a track record of about 18 years 1 months. 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 - SSIF - Investment Plan - Annual Dividend is managed by IDFC. It's classified by AMFI under the 'Medium to Long Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, IDFC - SSIF - Investment Plan - Annual Dividend has delivered a absolute return of 1.68% — +9.89 pp ahead of the Medium to Long Duration Fund category average of -8.21%. The fund ranks #341 of 728 in its category — the second (Q2) quartile.

Over the trailing 3-year window, IDFC - SSIF - Investment Plan - Annual Dividend has delivered a CAGR of 0.68% — +4.65 pp ahead of the Medium to Long Duration Fund category average of -3.97%. The fund ranks #303 of 646 in its category — the second (Q2) quartile.

Over the trailing 5-year window, IDFC - SSIF - Investment Plan - Annual Dividend has delivered a CAGR of 0.58% — -2.9 pp behind the Medium to Long Duration Fund category average of 3.48%. The fund ranks #63 of 92 in its category — the third (Q3) quartile.

₹1 lakh invested in IDFC - SSIF - Investment Plan - Annual Dividend exactly 10 years ago would be worth approximately ₹103,722 today — a multiplier of 1.04×, based on the 10-year CAGR of 0.37%. The category average over the same window would have grown ₹1 lakh to ₹145,453.

A ₹10,000 monthly SIP in IDFC - SSIF - Investment Plan - Annual Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹613,717 today. That's an XIRR (money-weighted annualised return) of 0.89%.

A ₹10,000 monthly SIP for 10 years in IDFC - SSIF - Investment Plan - Annual Dividend = ₹1,200,000 invested. It would currently be worth ₹1,221,195 (multiplier 1.02×). XIRR: 0.35%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, IDFC - SSIF - Investment Plan - Annual Dividend ranks #63 out of 92 funds in the Medium to Long Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.48%; this fund delivered 0.58%.

The worst peak-to-trough decline IDFC - SSIF - Investment Plan - Annual Dividend has experienced over the last 5-year window is 7.02% — its NAV fell from a high on 17 Mar 2022 to a low on 09 May 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 - SSIF - Investment Plan - Annual Dividend averaged -0.30% (best 9.24%, worst -8.27%). 36% of rolling windows ended positive. The 5-year Sharpe ratio is -1.20 — negative risk-adjusted performance.

In calendar year 2025, IDFC - SSIF - Investment Plan - Annual Dividend returned -1.92% — lagging the Medium to Long Duration Fund category average of 2.91% by 4.83 pp. It ranked #59 of 61 in its category that year.

IDFC - SSIF - 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 - SSIF - 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: 7.0%. 5-year CAGR: 0.58%.

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