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

We don't give personal investment advice. IDFC - SSIF - 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: 2.5%. 5-year CAGR: -0.06%.

IDFC

IDFC - SSIF - Short Term - Monthly Dividend

Latest NAV

₹10.3695

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	+0.01%	-8.11%	+8.12	112 / 904	Q1
1W	-0.05%	-11.78%	+11.74	382 / 779	Q2
2W	-0.10%	-11.83%	+11.72	383 / 776	Q2
1M	-1.11%	-11.79%	+10.67	434 / 772	Q3
3M	-0.70%	-11.26%	+10.56	420 / 763	Q3
6M	+0.15%	-10.36%	+10.52	362 / 749	Q2
YTD	+0.07%	-10.43%	+10.51	368 / 747	Q2
1Y	-0.37%	-8.21%	+7.84	396 / 728	Q3
2Y	-0.20%	-5.24%	+5.04	358 / 660	Q3
3Y	-0.11%	-3.97%	+3.86	372 / 646	Q3
4Y	+0.15%	+3.38%	-3.23	92 / 136	Q3
5Y	-0.06%	+3.48%	-3.54	77 / 92	Q4
7Y	+0.13%	+3.34%	-3.21	56 / 76	Q3
10Y	+0.13%	+3.82%	-3.69	55 / 66	Q4
Inception	+0.16%	-1.10%	+1.27	532 / 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	+0.07%	+0.27%	-0.20	36 / 49
2025	-0.07%	+2.91%	-2.99	54 / 61
2024	-0.04%	+5.21%	-5.25	58 / 62
2023	+0.09%	+3.66%	-3.57	60 / 69
2022	-0.04%	-8.21%	+8.17	148 / 224
2021	-0.08%	-6.85%	+6.77	249 / 355
2020	+1.67%	+3.44%	-1.77	311 / 433
2019	+0.15%	+4.28%	-4.12	363 / 449
2018	+0.02%	+0.48%	-0.46	148 / 205
2017	-0.12%	+1.61%	-1.73	157 / 223
2016	-0.13%	+3.44%	-3.57	171 / 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

+0.16%

209 windows

min -4.1% · max 2.4%

63% positive

3-Year rolling

+0.19%

185 windows

min -0.6% · max 0.8%

78% positive

5-Year rolling

+0.21%

160 windows

min -1.2% · max 1.0%

88% positive

7-Year rolling

+0.22%

136 windows

min -0.4% · max 0.6%

99% 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

1.78%

3-year · annualised

Sharpe ratio

-3.68

vs risk-free 6.5%

Sortino ratio

-5.42

Downside-only deviation

Max drawdown

-2.19%

Apr 2025 → Aug 2025

% positive months

44.4%

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 - Annual Dividend	IDFC	₹11.9547	17 Jul 2026
JM Income Fund-Dividend	JM Financial	₹21.9310	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹10.3695
16 Jul 2026	₹10.3681
15 Jul 2026	₹10.3600
14 Jul 2026	₹10.3550
13 Jul 2026	₹10.3766
10 Jul 2026	₹10.3745
9 Jul 2026	₹10.3643
8 Jul 2026	₹10.3607
7 Jul 2026	₹10.3836
6 Jul 2026	₹10.3872

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 - Short Term - Monthly Dividend is ₹10.3695. 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 - Short Term - Monthly 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 - Short Term - Monthly 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 - Short Term - Monthly Dividend has delivered a absolute return of -0.37% — +7.84 pp ahead of the Medium to Long Duration Fund category average of -8.21%. The fund ranks #396 of 728 in its category — the third (Q3) quartile.

Over the trailing 3-year window, IDFC - SSIF - Short Term - Monthly Dividend has delivered a CAGR of -0.11% — +3.86 pp ahead of the Medium to Long Duration Fund category average of -3.97%. The fund ranks #372 of 646 in its category — the third (Q3) quartile.

Over the trailing 5-year window, IDFC - SSIF - Short Term - Monthly Dividend has delivered a CAGR of -0.06% — -3.54 pp behind the Medium to Long Duration Fund category average of 3.48%. The fund ranks #77 of 92 in its category — the bottom (Q4) quartile.

₹1 lakh invested in IDFC - SSIF - Short Term - Monthly Dividend exactly 10 years ago would be worth approximately ₹101,257 today — a multiplier of 1.01×, based on the 10-year CAGR of 0.12%. The category average over the same window would have grown ₹1 lakh to ₹145,453.

A ₹10,000 monthly SIP in IDFC - SSIF - Short Term - Monthly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹599,179 today. That's an XIRR (money-weighted annualised return) of -0.05%.

A ₹10,000 monthly SIP for 10 years in IDFC - SSIF - Short Term - Monthly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,206,665 (multiplier 1.01×). XIRR: 0.11%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, IDFC - SSIF - Short Term - Monthly Dividend ranks #77 out of 92 funds in the Medium to Long Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 3.48%; this fund delivered -0.06%.

The worst peak-to-trough decline IDFC - SSIF - Short Term - Monthly Dividend has experienced over the last 5-year window is 2.46% — its NAV fell from a high on 14 Feb 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 - Short Term - Monthly Dividend averaged 0.21% (best 0.96%, worst -1.20%). 88% of rolling windows ended positive. The 5-year Sharpe ratio is -3.73 — negative risk-adjusted performance.

In calendar year 2025, IDFC - SSIF - Short Term - Monthly Dividend returned -0.07% — lagging the Medium to Long Duration Fund category average of 2.91% by 2.99 pp. It ranked #54 of 61 in its category that year.

IDFC - SSIF - 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 - SSIF - 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: 2.5%. 5-year CAGR: -0.06%.

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