Should I invest in Reliance Dual Advantage Fixed Tenure Fund II - Plan E?

We don't give personal investment advice. Reliance Dual Advantage Fixed Tenure Fund II - Plan E - 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.

Reliance

Reliance Dual Advantage Fixed Tenure Fund II - Plan E - Growth Option

Latest NAV

₹14.5839

As of

1 Sep 2015

734 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	+0.02%	-3.05%	+3.07	71 / 796	Q1
1W	+0.14%	-3.63%	+3.77	66 / 666	Q1
2W	+0.30%	-3.63%	+3.93	47 / 651	Q1
1M	+0.54%	-3.45%	+3.99	151 / 645	Q1
3M	+2.57%	-2.59%	+5.16	23 / 637	Q1
6M	-5.35%	-1.24%	-4.11	596 / 623	Q4
YTD	+1.43%	-1.35%	+2.78	415 / 618	Q3
1Y	+3.70%	+1.96%	+1.74	533 / 590	Q4
2Y	+14.73%	+2.60%	+12.13	10 / 556	Q1
3Y	+12.71%	+2.95%	+9.76	5 / 551	Q1
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+12.95%	+4.26%	+8.70	4 / 796	Q1

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
2015 YTD	+1.43%	+6.75%	-5.32	170 / 185
2014	+24.13%	+12.50%	+11.63	5 / 82
2013	+3.92%	+5.14%	-1.22	18 / 20
2012	—	—	—	—

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

+15.10%

26 windows

min 1.6% · max 34.6%

100% positive

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

3-Year rolling

+12.71%

1 window

min 12.7% · max 12.7%

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

10.48%

3-year · annualised

Sharpe ratio

0.58

vs risk-free 6.5%

Sortino ratio

1.27

Downside-only deviation

Max drawdown

-10.97%

Sep 2013 → Sep 2013

% positive months

58.3%

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 Medium to Long Duration Fund

Scheme	Fund house	NAV	As of
HDFC FMP 1269D March 2023 - Growth Option	HDFC	₹12.4260	3 Jun 2026
Nippon India Fixed Maturity Plan XLI - Series 8 - Growth Option	Nippon India	₹17.0046	3 Jun 2026
ICICI Prudential Fixed Maturity Plan - Series 85 - 10 Years Plan I - Cumulative Option	ICICI Prudential	₹17.4336	3 Jun 2026
Franklin India Medium to Long Duration Fund - Growth	Franklin India	₹10.9122	3 Jun 2026

Recent NAVs

Date	NAV
1 Sep 2015	₹14.5839
31 Aug 2015	₹14.5810
28 Aug 2015	₹14.5720
27 Aug 2015	₹14.5690
26 Aug 2015	₹14.5660
25 Aug 2015	₹14.5630
24 Aug 2015	₹14.5600
21 Aug 2015	₹14.5514
20 Aug 2015	₹14.5485
19 Aug 2015	₹14.5456

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 01 Sep 2015, the NAV of Reliance Dual Advantage Fixed Tenure Fund II - Plan E - Growth Option is ₹14.5839. It's a Medium to Long Duration Fund from Reliance, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

Reliance Dual Advantage Fixed Tenure Fund II - Plan E - Growth Option has NAV history starting from 09 Aug 2012, a track record of about 13 years 9 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Reliance Dual Advantage Fixed Tenure Fund II - Plan E - Growth Option is managed by Reliance. 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, Reliance Dual Advantage Fixed Tenure Fund II - Plan E - Growth Option has delivered a absolute return of 3.70% — +1.74 pp ahead of the Medium to Long Duration Fund category average of 1.96%. The fund ranks #533 of 590 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Reliance Dual Advantage Fixed Tenure Fund II - Plan E - Growth Option has delivered a CAGR of 12.71% — +9.76 pp ahead of the Medium to Long Duration Fund category average of 2.95%. The fund ranks #5 of 551 in its category — the top (Q1) quartile.

Reliance Dual Advantage Fixed Tenure Fund II - Plan E - Growth Option doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in Reliance Dual Advantage Fixed Tenure Fund II - Plan E - Growth Option exactly 3 years ago would be worth approximately ₹143,174 today — a multiplier of 1.43×, based on the 3-year CAGR of 12.71%. The category average over the same window would have grown ₹1 lakh to ₹109,098.

A ₹10,000 monthly SIP in Reliance Dual Advantage Fixed Tenure Fund II - Plan E - Growth Option over the last 3 years — total invested ₹360,000 — would be worth ₹426,166 today. That's an XIRR (money-weighted annualised return) of 11.25%.

Reliance Dual Advantage Fixed Tenure Fund II - Plan E - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹426,166 — XIRR 11.25%.

On a 3-year basis, Reliance Dual Advantage Fixed Tenure Fund II - Plan E - Growth Option ranks #5 out of 551 funds in the Medium to Long Duration Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 2.95%; this fund delivered 12.71%.

The worst peak-to-trough decline Reliance Dual Advantage Fixed Tenure Fund II - Plan E - Growth Option has experienced over the last 3-year window is 10.97% — its NAV fell from a high on 19 Sep 2013 to a low on 30 Sep 2013. 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, Reliance Dual Advantage Fixed Tenure Fund II - Plan E - Growth Option averaged 12.71% (best 12.71%, worst 12.71%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.58 — reasonable risk-adjusted performance.

In calendar year 2014, Reliance Dual Advantage Fixed Tenure Fund II - Plan E - Growth Option returned 24.13% — beating the Medium to Long Duration Fund category average of 12.50% by 11.63 pp. It ranked #5 of 82 in its category that year.

Reliance Dual Advantage Fixed Tenure Fund II - Plan E - 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. Reliance Dual Advantage Fixed Tenure Fund II - Plan E - 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.

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