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

We don't give personal investment advice. IDFC - SSIF - Investment Plan - Quarterly 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: 5.2%. 5-year CAGR: 0.48%.

IDFC

IDFC - SSIF - Investment Plan - Quarterly Dividend

Latest NAV

₹12.1637

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	+0.09%	-8.05%	+8.14	18 / 904	Q1
1W	+0.22%	-11.71%	+11.93	32 / 779	Q1
2W	+0.31%	-11.75%	+12.06	52 / 776	Q1
1M	+0.40%	-11.75%	+12.15	119 / 772	Q1
3M	+0.54%	-11.29%	+11.83	347 / 763	Q2
6M	+0.41%	-10.39%	+10.80	349 / 749	Q2
YTD	+1.10%	-10.45%	+11.55	278 / 747	Q2
1Y	-0.78%	-8.25%	+7.47	394 / 728	Q3
2Y	+0.55%	-5.23%	+5.78	316 / 660	Q2
3Y	+0.03%	-3.98%	+4.01	317 / 644	Q2
4Y	+1.45%	+3.39%	-1.93	81 / 134	Q3
5Y	+0.48%	+3.38%	-2.89	64 / 92	Q3
7Y	+0.24%	+3.38%	-3.14	56 / 76	Q3
10Y	+0.39%	+3.82%	-3.43	49 / 66	Q3
Inception	+0.76%	-1.09%	+1.85	506 / 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	+1.10%	+0.07%	+1.03	12 / 49
2025	+1.12%	+2.91%	-1.80	42 / 61
2024	+0.52%	+5.21%	-4.69	51 / 62
2023	+0.15%	+3.66%	-3.51	59 / 69
2022	-0.24%	-8.21%	+7.97	159 / 224
2021	-0.67%	-6.85%	+6.18	250 / 355
2020	+0.15%	+3.44%	-3.29	355 / 433
2019	+3.25%	+4.28%	-1.03	289 / 449
2018	+2.01%	+0.48%	+1.52	129 / 205
2017	-2.61%	+1.61%	-4.22	174 / 223
2016	+0.42%	+3.44%	-3.02	162 / 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

+0.76%

208 windows

min -13.5% · max 9.0%

63% positive

3-Year rolling

+0.76%

183 windows

min -1.9% · max 3.7%

79% positive

5-Year rolling

+0.66%

159 windows

min -0.9% · max 2.7%

85% positive

7-Year rolling

+0.70%

135 windows

min -0.8% · max 2.2%

96% 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

3.56%

3-year · annualised

Sharpe ratio

-1.80

vs risk-free 6.5%

Sortino ratio

-2.37

Downside-only deviation

Max drawdown

-3.80%

Jun 2023 → Oct 2023

% positive months

55.6%

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	₹10.0419	3 Jun 2026
NIPPON INDIA FIXED MATURITY PLAN - XLI - SERIES 8 - IDCW Option	Nippon India	₹17.0046	3 Jun 2026
SBI Magnum Income Fund-Bonus	SBI	₹43.7200	3 Jun 2026
ICICI Prudential Bond Fund - Half Yearly IDCW	ICICI Prudential	₹11.0548	3 Jun 2026
Franklin India Medium to Long Duration Fund - IDCW	Franklin India	₹10.4210	3 Jun 2026
Canara Robeco Income-Growth Plan	Canara Robeco	₹55.9906	3 Jun 2026
UTI Bond Fund-Growth (for rep. After 6 months- No Load)	UTI	₹74.6017	3 Jun 2026
Birla Sun Life Income Plus (Dividend)	Birla Sun Life	₹12.9049	3 Jun 2026
IDFC - SSIF - Investment Plan - Annual Dividend	IDFC	₹11.6743	3 Jun 2026
JM Income Fund-Dividend	JM Financial	₹21.5269	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹12.1637
2 Jun 2026	₹12.1720
1 Jun 2026	₹12.1607
31 May 2026	₹12.1641
29 May 2026	₹12.1616
27 May 2026	₹12.1519
26 May 2026	₹12.1455
25 May 2026	₹12.1420
22 May 2026	₹12.1116
21 May 2026	₹12.1166

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 - SSIF - Investment Plan - Quarterly Dividend is ₹12.1637. 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 - Quarterly 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 - SSIF - Investment Plan - Quarterly 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 - Quarterly Dividend has delivered a absolute return of -0.78% — +7.47 pp ahead of the Medium to Long Duration Fund category average of -8.25%. The fund ranks #394 of 728 in its category — the third (Q3) quartile.

Over the trailing 3-year window, IDFC - SSIF - Investment Plan - Quarterly Dividend has delivered a CAGR of 0.03% — +4.01 pp ahead of the Medium to Long Duration Fund category average of -3.98%. The fund ranks #317 of 644 in its category — the second (Q2) quartile.

Over the trailing 5-year window, IDFC - SSIF - Investment Plan - Quarterly Dividend has delivered a CAGR of 0.48% — -2.89 pp behind the Medium to Long Duration Fund category average of 3.38%. The fund ranks #64 of 92 in its category — the third (Q3) quartile.

₹1 lakh invested in IDFC - SSIF - Investment Plan - Quarterly Dividend exactly 10 years ago would be worth approximately ₹103,917 today — a multiplier of 1.04×, based on the 10-year CAGR of 0.39%. The category average over the same window would have grown ₹1 lakh to ₹145,412.

A ₹10,000 monthly SIP in IDFC - SSIF - Investment Plan - Quarterly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹612,412 today. That's an XIRR (money-weighted annualised return) of 0.81%.

A ₹10,000 monthly SIP for 10 years in IDFC - SSIF - Investment Plan - Quarterly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,235,145 (multiplier 1.03×). XIRR: 0.57%. 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 - Quarterly Dividend ranks #64 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 3.38%; this fund delivered 0.48%.

The worst peak-to-trough decline IDFC - SSIF - Investment Plan - Quarterly Dividend has experienced over the last 5-year window is 5.19% — its NAV fell from a high on 20 Sep 2021 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 - Quarterly Dividend averaged 0.66% (best 2.69%, worst -0.90%). 85% of rolling windows ended positive. The 5-year Sharpe ratio is -1.77 — negative risk-adjusted performance.

In calendar year 2025, IDFC - SSIF - Investment Plan - Quarterly Dividend returned 1.12% — lagging the Medium to Long Duration Fund category average of 2.91% by 1.80 pp. It ranked #42 of 61 in its category that year.

IDFC - SSIF - Investment Plan - Quarterly 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 - Quarterly 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: 5.2%. 5-year CAGR: 0.48%.

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