Should I invest in Reliance Fixed Horizon Fund- XXVI- Series 23?

We don't give personal investment advice. Reliance Fixed Horizon Fund- XXVI- Series 23- Dividend Payout Opiton 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 Fixed Horizon Fund- XXVI- Series 23- Dividend Payout Opiton

Latest NAV

₹11.7686

As of

2 Jul 2018

1,015 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	-15.79%	-8.05%	-7.74	753 / 904	Q4
1W	-15.70%	-11.71%	-3.99	559 / 779	Q3
2W	-15.59%	-11.75%	-3.83	554 / 776	Q3
1M	-15.31%	-11.75%	-3.56	545 / 772	Q3
3M	-14.15%	-11.29%	-2.87	533 / 763	Q3
6M	-12.33%	-10.39%	-1.93	511 / 749	Q3
YTD	-11.65%	-10.45%	-1.20	500 / 747	Q3
1Y	-9.61%	-8.25%	-1.36	496 / 728	Q3
2Y	-0.93%	-5.23%	+4.30	382 / 660	Q3
3Y	-3.90%	-3.98%	+0.09	591 / 644	Q4
4Y	-0.52%	+3.39%	-3.91	120 / 134	Q4
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-0.05%	-1.09%	+1.05	729 / 904	Q4

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
2018 YTD	-11.65%	+0.48%	-12.13	169 / 205
2017	+7.63%	+1.61%	+6.02	47 / 223
2016	-9.60%	+3.44%	-13.03	198 / 223
2015	+9.18%	+2.41%	+6.77	5 / 205
2014	—	—	—	—

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

+2.77%

40 windows

min -9.9% · max 10.4%

68% positive

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

3-Year rolling

+1.82%

15 windows

min -3.9% · max 2.8%

93% 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

13.11%

3-year · annualised

Sharpe ratio

-0.73

vs risk-free 6.5%

Sortino ratio

-0.74

Downside-only deviation

Max drawdown

-16.93%

Jun 2016 → Jun 2016

% positive months

94.4%

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 Charity Fund for Cancer Cure - IDCW Option - 50% IDCW Donation Option	HDFC	₹10.0419	3 Jun 2026
NIPPON INDIA FIXED MATURITY PLAN - XLI - SERIES 8 - IDCW Option	Nippon India	₹17.0046	3 Jun 2026
SBI Magnum Income Fund-Bonus	SBI	₹43.7200	3 Jun 2026
ICICI Prudential Bond Fund - Half Yearly IDCW	ICICI Prudential	₹11.0548	3 Jun 2026
Franklin India Medium to Long Duration Fund - IDCW	Franklin India	₹10.4210	3 Jun 2026
Canara Robeco Income-Growth Plan	Canara Robeco	₹55.9906	3 Jun 2026
UTI Bond Fund-Growth (for rep. After 6 months- No Load)	UTI	₹74.6017	3 Jun 2026
Birla Sun Life Income Plus (Dividend)	Birla Sun Life	₹12.9049	3 Jun 2026
IDFC - SSIF - Investment Plan - Annual Dividend	IDFC	₹11.6743	3 Jun 2026
JM Income Fund-Dividend	JM Financial	₹21.5269	3 Jun 2026

Recent NAVs

Date	NAV
16 Aug 2018	₹10.0000
14 Aug 2018	₹11.8748
13 Aug 2018	₹11.8721
10 Aug 2018	₹11.8651
9 Aug 2018	₹11.8628
8 Aug 2018	₹11.8605
7 Aug 2018	₹11.8581
6 Aug 2018	₹11.8557
3 Aug 2018	₹11.8486
2 Aug 2018	₹11.8463

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 02 Jul 2018, the NAV of Reliance Fixed Horizon Fund- XXVI- Series 23- Dividend Payout Opiton is ₹11.7686. It's a Medium to Long Duration Fund from Reliance, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Reliance Fixed Horizon Fund- XXVI- Series 23- Dividend Payout Opiton has NAV history starting from 04 Jun 2014, a track record of about 11 years 11 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 Fixed Horizon Fund- XXVI- Series 23- Dividend Payout Opiton 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 Fixed Horizon Fund- XXVI- Series 23- Dividend Payout Opiton has delivered a absolute return of -9.61% — -1.36 pp behind the Medium to Long Duration Fund category average of -8.25%. The fund ranks #496 of 728 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Reliance Fixed Horizon Fund- XXVI- Series 23- Dividend Payout Opiton has delivered a CAGR of -3.90% — +0.09 pp ahead of the Medium to Long Duration Fund category average of -3.98%. The fund ranks #591 of 644 in its category — the bottom (Q4) quartile.

Reliance Fixed Horizon Fund- XXVI- Series 23- Dividend Payout Opiton 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 Fixed Horizon Fund- XXVI- Series 23- Dividend Payout Opiton exactly 3 years ago would be worth approximately ₹88,758 today — a multiplier of 0.89×, based on the 3-year CAGR of -3.90%. The category average over the same window would have grown ₹1 lakh to ₹88,516.

A ₹10,000 monthly SIP in Reliance Fixed Horizon Fund- XXVI- Series 23- Dividend Payout Opiton over the last 3 years — total invested ₹360,000 — would be worth ₹322,913 today. That's an XIRR (money-weighted annualised return) of -6.93%.

Reliance Fixed Horizon Fund- XXVI- Series 23- Dividend Payout Opiton doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹322,913 — XIRR -6.93%.

On a 3-year basis, Reliance Fixed Horizon Fund- XXVI- Series 23- Dividend Payout Opiton ranks #591 out of 644 funds in the Medium to Long Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is -3.98%; this fund delivered -3.90%.

The worst peak-to-trough decline Reliance Fixed Horizon Fund- XXVI- Series 23- Dividend Payout Opiton has experienced over the last 3-year window is 16.93% — its NAV fell from a high on 16 Jun 2016 to a low on 17 Jun 2016. 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 Fixed Horizon Fund- XXVI- Series 23- Dividend Payout Opiton averaged 1.82% (best 2.82%, worst -3.90%). 93% of rolling windows ended positive. The 3-year Sharpe ratio is -0.73 — negative risk-adjusted performance.

In calendar year 2017, Reliance Fixed Horizon Fund- XXVI- Series 23- Dividend Payout Opiton returned 7.63% — beating the Medium to Long Duration Fund category average of 1.61% by 6.02 pp. It ranked #47 of 223 in its category that year.

Reliance Fixed Horizon Fund- XXVI- Series 23- Dividend Payout Opiton 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 Fixed Horizon Fund- XXVI- Series 23- Dividend Payout Opiton 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.