Should I invest in IDFC - SSIF - Medium Term?

We don't give personal investment advice. IDFC - SSIF - Medium Term - Growth Option 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: 3.3%. 5-year CAGR: 5.03%.

IDFC

IDFC - SSIF - Medium Term - Growth Option

Latest NAV

₹47.3078

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	+0.07%	+25.25%	-25.18	12 / 35	Q2
1W	+0.29%	+18.62%	-18.33	6 / 37	Q1
2W	+0.31%	+22.17%	-21.86	23 / 36	Q3
1M	+0.27%	+22.42%	-22.15	20 / 36	Q3
3M	+0.75%	+23.24%	-22.50	16 / 36	Q2
6M	+1.43%	+24.66%	-23.23	16 / 36	Q2
YTD	+1.44%	+22.37%	-20.93	16 / 36	Q2
1Y	+3.00%	+27.07%	-24.07	17 / 36	Q2
2Y	+6.22%	+10.05%	-3.83	13 / 34	Q2
3Y	+6.05%	+3.02%	+3.04	12 / 31	Q2
4Y	+6.34%	+3.05%	+3.29	9 / 31	Q2
5Y	+5.03%	+2.73%	+2.30	10 / 31	Q2
7Y	+5.86%	+2.69%	+3.18	6 / 28	Q1
10Y	+6.31%	+3.13%	+3.17	5 / 25	Q1
Inception	+7.45%	+10.26%	-2.81	9 / 35	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
2026 YTD	+1.44%	+0.59%	+0.84	7 / 17
2025	+6.59%	+3.35%	+3.24	8 / 20
2024	+7.60%	+4.91%	+2.70	8 / 20
2023	+6.40%	-0.96%	+7.36	7 / 21
2022	+1.19%	+33.83%	-32.64	13 / 27
2021	+2.37%	+0.84%	+1.53	11 / 28
2020	+10.70%	+1.22%	+9.48	5 / 30
2019	+9.24%	+2.51%	+6.73	2 / 30
2018	+6.16%	+2.64%	+3.52	1 / 30
2017	+5.03%	+2.00%	+3.03	9 / 30
2016	+9.80%	+5.02%	+4.78	11 / 31

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

+7.56%

208 windows

min 0.0% · max 14.5%

100% positive

3-Year rolling

+7.36%

183 windows

min 3.1% · max 10.1%

100% positive

5-Year rolling

+7.36%

159 windows

min 4.8% · max 9.7%

100% positive

7-Year rolling

+7.48%

135 windows

min 5.8% · max 9.3%

100% 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

1.63%

3-year · annualised

Sharpe ratio

-0.36

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.84%

Aug 2025 → Aug 2025

% positive months

88.9%

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 Duration Fund

Scheme	Fund house	NAV	As of
HDFC High Interest Fund - Short Term Plan-Dividend Option	HDFC	₹10.1086	3 Jun 2026
Nippon India Medium Duration Fund - Segregated Portfolio 2 - Bonus Option	Nippon India	₹0.0000	3 Jun 2026
SBI Magnum Income Plus Fund - Investment Plan (D)	SBI	₹20.7048	3 Jun 2026
ICICI Prudential Long Term Floating Rate Plan-Plan A-Growth	ICICI Prudential	₹47.3245	3 Jun 2026
Kotak Medium Term Fund - Standard Income Distribution cum capital withdrawal option	Kotak	₹14.6617	3 Jun 2026
IDFC - SSIF - Medium Term - Bimonthly Dividend Option	IDFC	₹10.2608	3 Jun 2026
Sundaram BNP Paribas Bond Saver-Growth	Sundaram BNP Paribas	₹70.5138	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹47.3078
2 Jun 2026	₹47.3316
1 Jun 2026	₹47.2980
31 May 2026	₹47.2967
29 May 2026	₹47.2832
27 May 2026	₹47.2243
26 May 2026	₹47.1951
25 May 2026	₹47.1913
22 May 2026	₹47.1164
21 May 2026	₹47.1208

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 - Medium Term - Growth Option is ₹47.3078. It's a Medium Duration Fund from IDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

IDFC - SSIF - Medium Term - Growth Option 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 - Medium Term - Growth Option is managed by IDFC. It's classified by AMFI under the 'Medium Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, IDFC - SSIF - Medium Term - Growth Option has delivered a absolute return of 3.00% — -24.07 pp behind the Medium Duration Fund category average of 27.07%. The fund ranks #17 of 36 in its category — the second (Q2) quartile.

Over the trailing 3-year window, IDFC - SSIF - Medium Term - Growth Option has delivered a CAGR of 6.05% — +3.04 pp ahead of the Medium Duration Fund category average of 3.02%. The fund ranks #12 of 31 in its category — the second (Q2) quartile.

Over the trailing 5-year window, IDFC - SSIF - Medium Term - Growth Option has delivered a CAGR of 5.03% — +2.3 pp ahead of the Medium Duration Fund category average of 2.73%. The fund ranks #10 of 31 in its category — the second (Q2) quartile.

₹1 lakh invested in IDFC - SSIF - Medium Term - Growth Option exactly 10 years ago would be worth approximately ₹184,322 today — a multiplier of 1.84×, based on the 10-year CAGR of 6.31%. The category average over the same window would have grown ₹1 lakh to ₹136,154.

A ₹10,000 monthly SIP in IDFC - SSIF - Medium Term - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹693,859 today. That's an XIRR (money-weighted annualised return) of 5.75%.

A ₹10,000 monthly SIP for 10 years in IDFC - SSIF - Medium Term - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,619,972 (multiplier 1.35×). XIRR: 5.85%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, IDFC - SSIF - Medium Term - Growth Option ranks #10 out of 31 funds in the Medium Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 2.73%; this fund delivered 5.03%.

The worst peak-to-trough decline IDFC - SSIF - Medium Term - Growth Option has experienced over the last 5-year window is 3.28% — its NAV fell from a high on 30 Mar 2022 to a low on 06 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 - Medium Term - Growth Option averaged 7.36% (best 9.65%, worst 4.75%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.74 — negative risk-adjusted performance.

In calendar year 2025, IDFC - SSIF - Medium Term - Growth Option returned 6.59% — beating the Medium Duration Fund category average of 3.35% by 3.24 pp. It ranked #8 of 20 in its category that year.

IDFC - SSIF - Medium Term - Growth Option 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 - Medium Term - Growth Option 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: 3.3%. 5-year CAGR: 5.03%.

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

IDFC - SSIF - Medium Term - Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Medium Duration Fund

Recent NAVs

Frequently asked questions

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