Should I invest in IDFC - SSIF - ST - Plan C?

We don't give personal investment advice. IDFC - SSIF - ST - Plan C - Growth 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: 1.8%. 5-year CAGR: 8.87%.

IDFC

IDFC - SSIF - ST - Plan C - Growth

Latest NAV

₹18.7021

As of

17 Feb 2017

2,057 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	0.00%	+0.01%	-0.02	36 / 39	Q4
1W	+0.14%	+15.04%	-14.90	32 / 40	Q4
2W	-0.05%	+15.09%	-15.14	35 / 40	Q4
1M	+0.21%	+16.91%	-16.69	15 / 40	Q2
3M	+1.22%	+17.18%	-15.95	13 / 40	Q2
6M	+3.78%	+18.01%	-14.23	13 / 40	Q2
YTD	+0.71%	+17.67%	-16.96	26 / 40	Q3
1Y	+9.10%	+19.37%	-10.27	9 / 40	Q1
2Y	+8.43%	+8.20%	+0.23	7 / 40	Q1
3Y	+9.12%	+5.69%	+3.43	7 / 40	Q1
4Y	+8.79%	+4.90%	+3.90	7 / 39	Q1
5Y	+8.87%	+4.10%	+4.77	7 / 38	Q1
7Y	+8.38%	+2.87%	+5.51	7 / 37	Q1
10Y	—	—	—	—	—
Inception	+5.00%	+1.92%	+3.08	19 / 40	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
2017 YTD	+0.71%	+2.37%	-1.66	21 / 37
2016	+8.84%	+5.27%	+3.57	15 / 37
2015	+8.14%	-1.48%	+9.62	5 / 18
2014	+10.22%	+5.85%	+4.37	4 / 13
2013	+7.71%	+3.42%	+4.29	3 / 13
2012	+9.55%	+3.40%	+6.15	4 / 13
2011	+9.57%	+5.43%	+4.14	4 / 11
2010	+3.69%	+2.36%	+1.34	3 / 10
2009	+6.49%	+1.65%	+4.84	1 / 8
2008	—	—	—	—

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

+7.84%

89 windows

min -15.6% · max 10.9%

99% positive

3-Year rolling

+8.50%

63 windows

min 6.4% · max 9.7%

100% positive

5-Year rolling

+8.34%

40 windows

min 2.5% · max 9.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+7.84%

16 windows

min 4.2% · max 8.4%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

1.08%

3-year · annualised

Sharpe ratio

2.11

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.53%

Dec 2016 → Dec 2016

% positive months

100.0%

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 Short Duration Fund

Scheme	Fund house	NAV	As of
HDFC Short Term Debt Fund - Fortnightly IDCW Option	HDFC	₹10.1985	3 Jun 2026
NIPPON INDIA SHORT DURATION FUND - IDCW Option	Nippon India	₹22.3820	3 Jun 2026
SBI SHORT HORIZON DEBT FUND-SHORT TERM FUND INSTTUTIONAL GROWTH	SBI	₹33.4345	3 Jun 2026
ICICI Prudential Short Term Plan - Div. Option	ICICI Prudential	₹12.0670	3 Jun 2026
Kotak Bond Short Term Plan-(Growth)	Kotak Mahindra	₹54.0814	3 Jun 2026
DSP BlackRock Short Term Fund-Dividend	DSP BlackRock	₹12.0819	3 Jun 2026
HSBC Short Duration Fund - Bonus	HSBC	₹27.5331	3 Jun 2026
UTI - Short Term Income Fund - Dividend Option	UTI	₹24.5675	3 Jun 2026
IDFC - SSIF - Short Term - Plan A - Fortnightly Dividend	IDFC	₹10.4111	3 Jun 2026
Reliance Short Term Fund-Dividend Re-investment Plan	Reliance	₹11.5088	3 Jun 2026

Recent NAVs

Date	NAV
17 Feb 2017	₹18.7021
16 Feb 2017	₹18.7026
15 Feb 2017	₹18.6994
14 Feb 2017	₹18.6904
13 Feb 2017	₹18.6907
10 Feb 2017	₹18.6762
9 Feb 2017	₹18.6520
8 Feb 2017	₹18.6634
7 Feb 2017	₹18.7272
6 Feb 2017	₹18.7229

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 Feb 2017, the NAV of IDFC - SSIF - ST - Plan C - Growth is ₹18.7021. It's a Short Duration Fund from IDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

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

Over the trailing 1-year window, IDFC - SSIF - ST - Plan C - Growth has delivered a absolute return of 9.10% — -10.27 pp behind the Short Duration Fund category average of 19.37%. The fund ranks #9 of 40 in its category — the top (Q1) quartile.

Over the trailing 3-year window, IDFC - SSIF - ST - Plan C - Growth has delivered a CAGR of 9.12% — +3.43 pp ahead of the Short Duration Fund category average of 5.69%. The fund ranks #7 of 40 in its category — the top (Q1) quartile.

Over the trailing 5-year window, IDFC - SSIF - ST - Plan C - Growth has delivered a CAGR of 8.87% — +4.77 pp ahead of the Short Duration Fund category average of 4.10%. The fund ranks #7 of 38 in its category — the top (Q1) quartile.

₹1 lakh invested in IDFC - SSIF - ST - Plan C - Growth exactly 5 years ago would be worth approximately ₹152,967 today — a multiplier of 1.53×, based on the 5-year CAGR of 8.87%. The category average over the same window would have grown ₹1 lakh to ₹122,243.

A ₹10,000 monthly SIP in IDFC - SSIF - ST - Plan C - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹748,773 today. That's an XIRR (money-weighted annualised return) of 8.77%.

IDFC - SSIF - ST - Plan C - Growth doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,149,065 — XIRR 8.79%.

On a 5-year basis, IDFC - SSIF - ST - Plan C - Growth ranks #7 out of 38 funds in the Short Duration Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 4.10%; this fund delivered 8.87%.

The worst peak-to-trough decline IDFC - SSIF - ST - Plan C - Growth has experienced over the last 5-year window is 1.77% — its NAV fell from a high on 15 Jul 2013 to a low on 20 Aug 2013. 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 - ST - Plan C - Growth averaged 8.34% (best 9.20%, worst 2.46%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 1.47 — strong risk-adjusted performance.

In calendar year 2016, IDFC - SSIF - ST - Plan C - Growth returned 8.84% — beating the Short Duration Fund category average of 5.27% by 3.57 pp. It ranked #15 of 37 in its category that year.

IDFC - SSIF - ST - Plan C - Growth 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 - ST - Plan C - Growth 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: 1.8%. 5-year CAGR: 8.87%.

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

IDFC - SSIF - ST - Plan C - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Short Duration Fund

Recent NAVs

Frequently asked questions

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