Should I invest in Nippon India Dynamic Bond Fund?

We don't give personal investment advice. Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 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: 3.7%. 5-year CAGR: 6.19%.

Reliance

Nippon India Dynamic Bond Fund-Growth Plan-Growth Option

Latest NAV

₹39.3148

As of

24 Jul 2026

4,903 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	+0.04%	+0.10%	-0.06	21 / 28	Q3
1W	-0.02%	+0.08%	-0.10	14 / 28	Q2
2W	+0.17%	-0.01%	+0.18	8 / 28	Q2
1M	+0.63%	+0.50%	+0.13	10 / 28	Q2
3M	+2.47%	+1.86%	+0.61	8 / 28	Q2
6M	+3.26%	+3.81%	-0.55	12 / 28	Q2
YTD	+3.25%	+3.47%	-0.22	12 / 28	Q2
1Y	+4.19%	+5.02%	-0.83	15 / 28	Q3
2Y	+7.03%	+5.33%	+1.70	6 / 28	Q1
3Y	+7.08%	+5.01%	+2.08	7 / 28	Q1
4Y	+7.37%	+4.99%	+2.38	7 / 28	Q1
5Y	+6.19%	+3.98%	+2.21	6 / 27	Q1
7Y	+6.23%	+3.79%	+2.44	8 / 26	Q2
10Y	+6.45%	+3.78%	+2.67	8 / 25	Q2
Inception	+6.65%	+4.10%	+2.55	9 / 28	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	+3.25%	+2.22%	+1.02	6 / 18
2025	+7.08%	+3.45%	+3.64	3 / 18
2024	+9.04%	+6.04%	+3.00	4 / 18
2023	+6.58%	+4.34%	+2.24	8 / 18
2022	+2.41%	+3.05%	-0.64	8 / 22
2021	+2.89%	+2.73%	+0.16	11 / 24
2020	+11.01%	+4.46%	+6.55	4 / 27
2019	+8.81%	+4.44%	+4.37	6 / 27
2018	+4.67%	+3.44%	+1.23	10 / 27
2017	+2.14%	-0.70%	+2.85	9 / 28
2016	+13.74%	+8.38%	+5.36	7 / 28

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

+6.76%

236 windows

min -1.0% · max 17.1%

98% positive

3-Year rolling

+6.82%

211 windows

min 1.6% · max 12.2%

100% positive

5-Year rolling

+7.08%

187 windows

min 3.6% · max 10.8%

100% positive

7-Year rolling

+7.31%

163 windows

min 5.2% · max 9.6%

100% 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

2.18%

3-year · annualised

Sharpe ratio

0.19

vs risk-free 6.5%

Sortino ratio

0.67

Downside-only deviation

Max drawdown

-1.55%

Mar 2026 → Apr 2026

% positive months

83.3%

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
HDFC Dynamic Debt Fund - Growth Option	HDFC	₹92.8852	24 Jul 2026
NIPPON INDIA DYNAMIC BOND FUND - QUARTERLY IDCW Option	Nippon India	₹10.3483	24 Jul 2026
SBI Dynamic Bond Fund - REGULAR PLAN - Growth	SBI	₹37.5451	24 Jul 2026
ICICI Prudential All Seasons Bond Fund - Annual IDCW	ICICI Prudential	₹11.4892	24 Jul 2026
Franklin India Dynamic Accrual Fund- Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - IDCW	Franklin India	₹0.0000	24 Jul 2026
PGIM India Dynamic Bond Fund - Dividend Option - Quarterly	PGIM India	₹1,042.7801	24 Jul 2026
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	IDFC	₹35.6638	24 Jul 2026
NIPPON INDIA DYNAMIC BOND FUND - IDCW Option	Reliance	₹26.4440	24 Jul 2026
Union Dynamic Bond Fund - IDCW Option	Union	₹15.6839	24 Jul 2026
Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	Birla Sun Life	₹33.5521	19 Jun 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹39.3148
23 Jul 2026	₹39.3002
22 Jul 2026	₹39.3150
21 Jul 2026	₹39.3688
20 Jul 2026	₹39.3355
17 Jul 2026	₹39.3212
16 Jul 2026	₹39.2766
15 Jul 2026	₹39.2585
14 Jul 2026	₹39.2428
13 Jul 2026	₹39.2552

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 24 Jul 2026, the NAV of Nippon India Dynamic Bond Fund-Growth Plan-Growth Option is ₹39.3148. It's a Dynamic Bond Fund from Reliance, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Nippon India Dynamic Bond Fund-Growth Plan-Growth Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 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.

Nippon India Dynamic Bond Fund-Growth Plan-Growth Option is managed by Reliance. 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, Nippon India Dynamic Bond Fund-Growth Plan-Growth Option has delivered a absolute return of 4.19% — -0.83 pp behind the Dynamic Bond Fund category average of 5.02%. The fund ranks #15 of 28 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Nippon India Dynamic Bond Fund-Growth Plan-Growth Option has delivered a CAGR of 7.08% — +2.08 pp ahead of the Dynamic Bond Fund category average of 5.01%. The fund ranks #7 of 28 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Nippon India Dynamic Bond Fund-Growth Plan-Growth Option has delivered a CAGR of 6.19% — +2.21 pp ahead of the Dynamic Bond Fund category average of 3.98%. The fund ranks #6 of 27 in its category — the top (Q1) quartile.

₹1 lakh invested in Nippon India Dynamic Bond Fund-Growth Plan-Growth Option exactly 10 years ago would be worth approximately ₹186,838 today — a multiplier of 1.87×, based on the 10-year CAGR of 6.45%. The category average over the same window would have grown ₹1 lakh to ₹144,935.

A ₹10,000 monthly SIP in Nippon India Dynamic Bond Fund-Growth Plan-Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹712,409 today. That's an XIRR (money-weighted annualised return) of 6.80%.

A ₹10,000 monthly SIP for 10 years in Nippon India Dynamic Bond Fund-Growth Plan-Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,668,262 (multiplier 1.39×). XIRR: 6.41%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Nippon India Dynamic Bond Fund-Growth Plan-Growth Option ranks #6 out of 27 funds in the Dynamic Bond Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 3.98%; this fund delivered 6.19%.

The worst peak-to-trough decline Nippon India Dynamic Bond Fund-Growth Plan-Growth Option has experienced over the last 5-year window is 3.70% — its NAV fell from a high on 17 Dec 2021 to a low on 14 Jun 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, Nippon India Dynamic Bond Fund-Growth Plan-Growth Option averaged 7.08% (best 10.80%, worst 3.57%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.17 — negative risk-adjusted performance.

In calendar year 2025, Nippon India Dynamic Bond Fund-Growth Plan-Growth Option returned 7.08% — beating the Dynamic Bond Fund category average of 3.45% by 3.64 pp. It ranked #3 of 18 in its category that year.

Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 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. Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 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: 3.7%. 5-year CAGR: 6.19%.

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

Nippon India Dynamic Bond Fund-Growth Plan-Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Dynamic Bond Fund

Recent NAVs

Frequently asked questions

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