Should I invest in ITI Dynamic Bond Fund - Annually IDCWOption?

We don't give personal investment advice. ITI Dynamic Bond Fund - Regular Plan - Annually IDCWOption 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. 5-year CAGR: 4.89%.

ITI

ITI Dynamic Bond Fund - Regular Plan - Annually IDCWOption

Latest NAV

₹12.7042

As of

3 Jun 2026

1,179 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%	+24.16%	-24.15	29 / 48	Q3
1W	+0.09%	+24.38%	-24.30	40 / 48	Q4
2W	+0.19%	+24.65%	-24.46	46 / 48	Q4
1M	-0.20%	+24.64%	-24.84	46 / 48	Q4
3M	+0.03%	+24.91%	-24.87	21 / 48	Q2
6M	+0.90%	+26.19%	-25.29	19 / 48	Q2
YTD	+0.77%	+24.50%	-23.72	20 / 48	Q2
1Y	+0.27%	+28.03%	-27.76	22 / 48	Q2
2Y	+4.54%	+9.76%	-5.23	22 / 48	Q2
3Y	+5.43%	+2.68%	+2.75	18 / 44	Q2
4Y	+5.47%	+3.22%	+2.24	18 / 42	Q2
5Y	+4.89%	+3.23%	+1.66	18 / 37	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+5.01%	+10.01%	-5.00	17 / 48	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	+0.77%	-0.01%	+0.78	13 / 41
2025	+3.98%	+2.27%	+1.70	14 / 43
2024	+8.77%	+4.07%	+4.70	8 / 43
2023	+5.53%	+2.84%	+2.69	18 / 43
2022	+3.71%	+30.82%	-27.10	15 / 40
2021	—	—	—	—

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

+5.61%

48 windows

min 0.3% · max 9.7%

100% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+6.14%

24 windows

min 5.3% · max 7.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

2.35%

3-year · annualised

Sharpe ratio

-0.50

vs risk-free 6.5%

Sortino ratio

-1.57

Downside-only deviation

Max drawdown

-2.03%

May 2025 → Aug 2025

% positive months

77.8%

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 Dynamic Bond Fund

Scheme	Fund house	NAV	As of
ICICI Prudential Long Term Plan- Regular Dividend	ICICI Prudential	₹10.9534	3 Jun 2026
BANDHAN Dynamic Bond Fund - Regular Plan B - Annual IDCW	Bandhan	₹11.2383	3 Jun 2026
Quantum Dynamic Bond Fund - Regular Plan Monthly IDCW	Quantum	₹10.2522	3 Jun 2026
Aditya Birla Sun Life Dynamic Bond Fund -Regular - IDCW	Aditya Birla Sun Life	₹11.9051	3 Jun 2026
Mirae Asset Dynamic Bond Fund Regular IDCW	Mirae Asset	₹16.8936	3 Jun 2026
Kotak Dynamic Bond Fund Regular Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹14.4863	3 Jun 2026
HSBC Dynamic Bond Fund - Regular Annual IDCW	HSBC	₹10.0493	3 Jun 2026
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Daily IDCW Option	Baroda BNP Paribas	₹9.9714	3 Jun 2026
UTI Dynamic Bond Fund - Regular Plan - Annual IDCW	UTI	₹13.6913	3 Jun 2026
Axis Dynamic Bond Fund - Regular Plan - Half Yearly IDCW	Axis	₹11.6764	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹12.7042
2 Jun 2026	₹12.7030
1 Jun 2026	₹12.7015
29 May 2026	₹12.6965
27 May 2026	₹12.6935
26 May 2026	₹12.6920
25 May 2026	₹12.6908
22 May 2026	₹12.6778
21 May 2026	₹12.6738
20 May 2026	₹12.6800

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 ITI Dynamic Bond Fund - Regular Plan - Annually IDCWOption is ₹12.7042. It's a Dynamic Bond Fund from ITI, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ITI Dynamic Bond Fund - Regular Plan - Annually IDCWOption has NAV history starting from 15 Jul 2021, a track record of about 4 years 10 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

ITI Dynamic Bond Fund - Regular Plan - Annually IDCWOption is managed by ITI. It's classified by AMFI under the 'Dynamic Bond Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ITI Dynamic Bond Fund - Regular Plan - Annually IDCWOption has delivered a absolute return of 0.27% — -27.76 pp behind the Dynamic Bond Fund category average of 28.03%. The fund ranks #22 of 48 in its category — the second (Q2) quartile.

Over the trailing 3-year window, ITI Dynamic Bond Fund - Regular Plan - Annually IDCWOption has delivered a CAGR of 5.43% — +2.75 pp ahead of the Dynamic Bond Fund category average of 2.68%. The fund ranks #18 of 44 in its category — the second (Q2) quartile.

Over the trailing 5-year window, ITI Dynamic Bond Fund - Regular Plan - Annually IDCWOption has delivered a CAGR of 4.89% — +1.66 pp ahead of the Dynamic Bond Fund category average of 3.23%. The fund ranks #18 of 37 in its category — the second (Q2) quartile.

₹1 lakh invested in ITI Dynamic Bond Fund - Regular Plan - Annually IDCWOption exactly 5 years ago would be worth approximately ₹126,976 today — a multiplier of 1.27×, based on the 5-year CAGR of 4.89%. The category average over the same window would have grown ₹1 lakh to ₹117,234.

A ₹10,000 monthly SIP in ITI Dynamic Bond Fund - Regular Plan - Annually IDCWOption over the last 3 years — total invested ₹360,000 — would be worth ₹384,445 today. That's an XIRR (money-weighted annualised return) of 4.31%.

ITI Dynamic Bond Fund - Regular Plan - Annually IDCWOption doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹384,445 — XIRR 4.31%.

On a 5-year basis, ITI Dynamic Bond Fund - Regular Plan - Annually IDCWOption ranks #18 out of 37 funds in the Dynamic Bond Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 3.23%; this fund delivered 4.89%.

The worst peak-to-trough decline ITI Dynamic Bond Fund - Regular Plan - Annually IDCWOption has experienced over the last 3-year window is 2.03% — its NAV fell from a high on 28 May 2025 to a low on 26 Aug 2025. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, ITI Dynamic Bond Fund - Regular Plan - Annually IDCWOption averaged 6.14% (best 7.19%, worst 5.28%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -0.50 — negative risk-adjusted performance.

In calendar year 2025, ITI Dynamic Bond Fund - Regular Plan - Annually IDCWOption returned 3.98% — beating the Dynamic Bond Fund category average of 2.27% by 1.70 pp. It ranked #14 of 43 in its category that year.

ITI Dynamic Bond Fund - Regular Plan - Annually IDCWOption 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. ITI Dynamic Bond Fund - Regular Plan - Annually IDCWOption 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. 5-year CAGR: 4.89%.

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