Should I invest in Reliance Floating Rate Fund?

We don't give personal investment advice. Reliance Floating Rate Fund-Dividend Plan-Daily Dividend 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: 2.9%. 5-year CAGR: -0.08%.

Reliance

Reliance Floating Rate Fund-Dividend Plan-Daily Dividend Option

Latest NAV

₹10.2547

As of

17 Jul 2026

5,135 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	+0.03%	-0.08%	+0.11	15 / 32	Q2
1W	-0.11%	+0.02%	-0.13	29 / 32	Q4
2W	-0.36%	+0.08%	-0.44	31 / 32	Q4
1M	+0.02%	+0.64%	-0.61	22 / 32	Q3
3M	+0.03%	+0.54%	-0.50	18 / 32	Q3
6M	-0.24%	+1.11%	-1.36	29 / 32	Q4
YTD	-0.63%	+0.87%	-1.50	31 / 32	Q4
1Y	-1.79%	+1.92%	-3.71	32 / 32	Q4
2Y	-0.11%	+2.39%	-2.50	29 / 32	Q4
3Y	-0.05%	+2.36%	-2.40	28 / 32	Q4
4Y	+0.05%	+2.45%	-2.40	25 / 32	Q4
5Y	-0.08%	+2.21%	-2.29	31 / 32	Q4
7Y	+0.19%	+2.09%	-1.90	17 / 31	Q3
10Y	+0.09%	+2.13%	-2.04	18 / 27	Q3
Inception	+0.09%	+2.31%	-2.22	20 / 32	Q3

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	-0.63%	+1.05%	-1.69	15 / 16
2025	+0.21%	+2.97%	-2.76	9 / 16
2024	+0.63%	+3.25%	-2.62	9 / 16
2023	+0.01%	+2.96%	-2.96	15 / 16
2022	+0.04%	+1.31%	-1.27	15 / 19
2021	-1.75%	+0.36%	-2.11	17 / 19
2020	+2.88%	+2.32%	+0.56	8 / 30
2019	+0.00%	+2.64%	-2.64	18 / 30
2018	+0.23%	+2.06%	-1.83	15 / 30
2017	-0.94%	+1.74%	-2.68	31 / 31
2016	+0.58%	+2.71%	-2.12	17 / 31

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

+0.13%

236 windows

min -2.4% · max 3.1%

50% positive

3-Year rolling

+0.13%

211 windows

min -0.6% · max 1.0%

59% positive

5-Year rolling

+0.14%

187 windows

min -0.3% · max 0.8%

79% positive

7-Year rolling

+0.15%

163 windows

min -0.2% · max 0.7%

91% 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

1.06%

3-year · annualised

Sharpe ratio

-6.17

vs risk-free 6.5%

Sortino ratio

-10.00

Downside-only deviation

Max drawdown

-2.89%

Jun 2025 → May 2026

% positive months

52.8%

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 Floater Fund

Scheme	Fund house	NAV	As of
HDFC Floating Rate Income Fund-Short Term Plan - Wholesale Option - Dividend - Daily	HDFC	₹10.0679	17 Jul 2026
NIPPON INDIA FLOATER FUND - IDCW Option	Nippon India	₹21.6888	17 Jul 2026
ICICI Prudential Floating Interest Fund - IDCW Others	ICICI Prudential	₹200.1701	17 Jul 2026
Templeton India Cash Management Account-Dividend Plan	Franklin Templeton	₹10.1651	17 Jul 2026
Reliance Floating Rate Fund-Dividend Plan-Dividend Option	Reliance	₹11.1812	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹10.2547
16 Jul 2026	₹10.2519
15 Jul 2026	₹10.2501
14 Jul 2026	₹10.2445
13 Jul 2026	₹10.2606
10 Jul 2026	₹10.2657
9 Jul 2026	₹10.2586
8 Jul 2026	₹10.2590
7 Jul 2026	₹10.2839
6 Jul 2026	₹10.2893

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 Jul 2026, the NAV of Reliance Floating Rate Fund-Dividend Plan-Daily Dividend Option is ₹10.2547. It's a Floater Fund from Reliance, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Reliance Floating Rate Fund-Dividend Plan-Daily Dividend 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.

Reliance Floating Rate Fund-Dividend Plan-Daily Dividend Option is managed by Reliance. It's classified by AMFI under the 'Floater Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Reliance Floating Rate Fund-Dividend Plan-Daily Dividend Option has delivered a absolute return of -1.79% — -3.71 pp behind the Floater Fund category average of 1.92%. The fund ranks #32 of 32 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Reliance Floating Rate Fund-Dividend Plan-Daily Dividend Option has delivered a CAGR of -0.05% — -2.4 pp behind the Floater Fund category average of 2.36%. The fund ranks #28 of 32 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Reliance Floating Rate Fund-Dividend Plan-Daily Dividend Option has delivered a CAGR of -0.08% — -2.29 pp behind the Floater Fund category average of 2.21%. The fund ranks #31 of 32 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Reliance Floating Rate Fund-Dividend Plan-Daily Dividend Option exactly 10 years ago would be worth approximately ₹100,861 today — a multiplier of 1.01×, based on the 10-year CAGR of 0.09%. The category average over the same window would have grown ₹1 lakh to ₹123,438.

A ₹10,000 monthly SIP in Reliance Floating Rate Fund-Dividend Plan-Daily Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹598,749 today. That's an XIRR (money-weighted annualised return) of -0.08%.

A ₹10,000 monthly SIP for 10 years in Reliance Floating Rate Fund-Dividend Plan-Daily Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,203,754 (multiplier 1.00×). XIRR: 0.06%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Reliance Floating Rate Fund-Dividend Plan-Daily Dividend Option ranks #31 out of 32 funds in the Floater Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 2.21%; this fund delivered -0.08%.

The worst peak-to-trough decline Reliance Floating Rate Fund-Dividend Plan-Daily Dividend Option has experienced over the last 5-year window is 2.89% — its NAV fell from a high on 06 Jun 2025 to a low on 21 May 2026. 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, Reliance Floating Rate Fund-Dividend Plan-Daily Dividend Option averaged 0.14% (best 0.79%, worst -0.30%). 79% of rolling windows ended positive. The 5-year Sharpe ratio is -7.21 — negative risk-adjusted performance.

In calendar year 2025, Reliance Floating Rate Fund-Dividend Plan-Daily Dividend Option returned 0.21% — lagging the Floater Fund category average of 2.97% by 2.76 pp. It ranked #9 of 16 in its category that year.

Reliance Floating Rate Fund-Dividend Plan-Daily Dividend 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 Floating Rate Fund-Dividend Plan-Daily Dividend 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: 2.9%. 5-year CAGR: -0.08%.

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