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: 0.05%.

IDFC

IDFC - SSIF - Short Term - Monthly Dividend

Latest NAV

₹10.3751

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	+0.06%	-8.05%	+8.11	28 / 904	Q1
1W	+0.23%	-11.71%	+11.94	30 / 779	Q1
2W	+0.21%	-11.75%	+11.97	118 / 776	Q1
1M	+0.17%	-11.75%	+11.92	367 / 772	Q2
3M	+0.17%	-11.29%	+11.46	356 / 763	Q2
6M	+0.18%	-10.39%	+10.58	357 / 749	Q2
YTD	+0.15%	-10.45%	+10.60	367 / 747	Q2
1Y	+0.19%	-8.25%	+8.44	353 / 728	Q2
2Y	+0.04%	-5.23%	+5.27	329 / 660	Q2
3Y	+0.03%	-3.98%	+4.01	318 / 644	Q2
4Y	+0.42%	+3.39%	-2.97	91 / 134	Q3
5Y	+0.05%	+3.38%	-3.33	70 / 92	Q4
7Y	+0.27%	+3.38%	-3.11	55 / 76	Q3
10Y	+0.20%	+3.82%	-3.61	54 / 66	Q4
Inception	+0.17%	-1.09%	+1.26	535 / 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	+0.15%	+0.07%	+0.08	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

+0.17%

208 windows

min -6.8% · max 2.4%

63% positive

3-Year rolling

+0.19%

183 windows

min -2.1% · max 1.5%

80% positive

5-Year rolling

+0.21%

159 windows

min -0.4% · max 0.6%

91% positive

7-Year rolling

+0.22%

135 windows

min -0.8% · 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

0.81%

3-year · annualised

Sharpe ratio

-7.97

vs risk-free 6.5%

Sortino ratio

-11.94

Downside-only deviation

Max drawdown

-2.19%

Apr 2025 → Aug 2025

% positive months

47.2%

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	₹10.3751
2 Jun 2026	₹10.3780
1 Jun 2026	₹10.3713
31 May 2026	₹10.3702
29 May 2026	₹10.3667
27 May 2026	₹10.3608
26 May 2026	₹10.3543
25 May 2026	₹10.3540
22 May 2026	₹10.3407
21 May 2026	₹10.3392

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 - Short Term - Monthly Dividend is ₹10.3751. 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. 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 0.19% — +8.44 pp ahead of the Medium to Long Duration Fund category average of -8.25%. The fund ranks #353 of 728 in its category — the second (Q2) quartile.

Over the trailing 3-year window, IDFC - SSIF - Short Term - Monthly 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 #318 of 644 in its category — the second (Q2) quartile.

Over the trailing 5-year window, IDFC - SSIF - Short Term - Monthly Dividend has delivered a CAGR of 0.05% — -3.33 pp behind the Medium to Long Duration Fund category average of 3.38%. The fund ranks #70 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 ₹102,048 today — a multiplier of 1.02×, based on the 10-year CAGR of 0.20%. The category average over the same window would have grown ₹1 lakh to ₹145,412.

A ₹10,000 monthly SIP in IDFC - SSIF - Short Term - Monthly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹601,248 today. That's an XIRR (money-weighted annualised return) of 0.08%.

A ₹10,000 monthly SIP for 10 years in IDFC - SSIF - Short Term - Monthly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,211,094 (multiplier 1.01×). XIRR: 0.18%. 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 #70 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 3.38%; this fund delivered 0.05%.

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 0.58%, worst -0.41%). 91% of rolling windows ended positive. The 5-year Sharpe ratio is -6.47 — 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: 0.05%.

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