Should I invest in IDFC - SSIF - ST -Plan D - Monthly Dividend?

We don't give personal investment advice. IDFC - SSIF - ST -Plan D - 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: 1.7%. 5-year CAGR: 9.40%.

IDFC

IDFC - SSIF - ST -Plan D - Monthly Dividend

Latest NAV

₹17.7117

As of

17 Feb 2017

2,096 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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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	32 / 39	Q4
1W	+0.15%	+15.04%	-14.89	27 / 40	Q3
2W	-0.03%	+15.09%	-15.12	31 / 40	Q4
1M	+0.25%	+16.91%	-16.66	11 / 40	Q2
3M	+1.33%	+17.18%	-15.84	10 / 40	Q1
6M	+4.00%	+18.01%	-14.01	9 / 40	Q1
YTD	+0.76%	+17.67%	-16.90	23 / 40	Q3
1Y	+9.57%	+19.37%	-9.80	5 / 40	Q1
2Y	+8.90%	+8.20%	+0.70	6 / 40	Q1
3Y	+9.63%	+5.69%	+3.94	6 / 40	Q1
4Y	+9.33%	+4.90%	+4.43	6 / 39	Q1
5Y	+9.40%	+4.10%	+5.30	6 / 38	Q1
7Y	+8.42%	+2.87%	+5.55	6 / 37	Q1
10Y	—	—	—	—	—
Inception	+6.77%	+1.92%	+4.85	13 / 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	+0.76%	+2.37%	-1.60	18 / 37
2016	+9.31%	+5.27%	+4.04	11 / 37
2015	+8.63%	-1.48%	+10.11	3 / 18
2014	+10.82%	+5.85%	+4.97	1 / 13
2013	+8.30%	+3.42%	+4.88	2 / 13
2012	+9.99%	+3.40%	+6.59	2 / 13
2011	+9.76%	+5.43%	+4.33	2 / 11
2010	+0.91%	+2.36%	-1.44	8 / 10
2009	-0.40%	+1.65%	-2.05	6 / 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

+6.90%

95 windows

min -12.7% · max 11.5%

94% positive

3-Year rolling

+7.80%

70 windows

min -0.2% · max 10.3%

99% positive

5-Year rolling

+7.95%

46 windows

min 5.0% · max 9.7%

100% positive

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

7-Year rolling

+7.14%

22 windows

min 5.2% · 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

2.54

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.52%

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	₹17.7117
16 Feb 2017	₹17.7120
15 Feb 2017	₹17.7087
14 Feb 2017	₹17.7000
13 Feb 2017	₹17.7001
10 Feb 2017	₹17.6857
9 Feb 2017	₹17.6626
8 Feb 2017	₹17.6732
7 Feb 2017	₹17.7334
6 Feb 2017	₹17.7291

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 D - Monthly Dividend is ₹17.7117. 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 D - 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 - ST -Plan D - Monthly Dividend 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 D - Monthly Dividend has delivered a absolute return of 9.57% — -9.8 pp behind the Short Duration Fund category average of 19.37%. The fund ranks #5 of 40 in its category — the top (Q1) quartile.

Over the trailing 3-year window, IDFC - SSIF - ST -Plan D - Monthly Dividend has delivered a CAGR of 9.63% — +3.94 pp ahead of the Short Duration Fund category average of 5.69%. The fund ranks #6 of 40 in its category — the top (Q1) quartile.

Over the trailing 5-year window, IDFC - SSIF - ST -Plan D - Monthly Dividend has delivered a CAGR of 9.40% — +5.3 pp ahead of the Short Duration Fund category average of 4.10%. The fund ranks #6 of 38 in its category — the top (Q1) quartile.

₹1 lakh invested in IDFC - SSIF - ST -Plan D - Monthly Dividend exactly 5 years ago would be worth approximately ₹156,717 today — a multiplier of 1.57×, based on the 5-year CAGR of 9.40%. 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 D - Monthly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹758,572 today. That's an XIRR (money-weighted annualised return) of 9.29%.

IDFC - SSIF - ST -Plan D - Monthly Dividend doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,167,267 — XIRR 9.23%.

On a 5-year basis, IDFC - SSIF - ST -Plan D - Monthly Dividend ranks #6 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 9.40%.

The worst peak-to-trough decline IDFC - SSIF - ST -Plan D - Monthly Dividend has experienced over the last 5-year window is 1.71% — 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 D - Monthly Dividend averaged 7.95% (best 9.67%, worst 5.00%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 1.82 — strong risk-adjusted performance.

In calendar year 2016, IDFC - SSIF - ST -Plan D - Monthly Dividend returned 9.31% — beating the Short Duration Fund category average of 5.27% by 4.04 pp. It ranked #11 of 37 in its category that year.

IDFC - SSIF - ST -Plan D - 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 - ST -Plan D - 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: 1.7%. 5-year CAGR: 9.40%.

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