Should I invest in Reliance Money Manager Fund Bonus Option?

We don't give personal investment advice. Reliance Money Manager Fund-Retail Plan Bonus 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: 0.4%. 5-year CAGR: 6.01%.

Reliance

Reliance Money Manager Fund-Retail Plan Bonus Option

Latest NAV

₹2,825.7687

As of

17 Jul 2026

4,202 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	+0.05%	+0.05%	+0.00	8 / 20	Q2
1W	+0.09%	+0.08%	+0.01	10 / 20	Q2
2W	+0.06%	+0.00%	+0.06	6 / 20	Q2
1M	+0.63%	+0.10%	+0.53	7 / 20	Q2
3M	+1.60%	+0.46%	+1.14	2 / 20	Q1
6M	+3.50%	+1.27%	+2.23	2 / 20	Q1
YTD	+3.48%	+1.18%	+2.30	2 / 20	Q1
1Y	+6.08%	+2.06%	+4.02	2 / 20	Q1
2Y	+6.95%	+2.69%	+4.26	2 / 20	Q1
3Y	+6.87%	+2.71%	+4.17	3 / 20	Q1
4Y	+6.68%	+2.64%	+4.04	3 / 20	Q1
5Y	+6.01%	+2.37%	+3.63	3 / 20	Q1
7Y	+6.19%	+2.42%	+3.77	3 / 20	Q1
10Y	+6.25%	+2.01%	+4.24	4 / 20	Q1
Inception	+5.20%	+1.99%	+3.21	4 / 17	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
2026 YTD	+3.48%	+1.18%	+2.30	2 / 20
2025	+7.04%	+2.87%	+4.17	2 / 20
2024	+7.17%	+2.89%	+4.28	8 / 20
2023	+6.58%	+2.68%	+3.90	8 / 20
2022	+4.08%	+1.49%	+2.58	3 / 20
2021	+3.98%	+1.43%	+2.55	1 / 20
2020	+7.16%	+3.27%	+3.89	3 / 20
2019	+6.44%	+0.78%	+5.67	3 / 20
2018	+6.80%	+1.56%	+5.24	3 / 20
2017	+6.13%	+1.17%	+4.96	3 / 20
2016	+8.02%	+1.94%	+6.09	4 / 20

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

+5.37%

201 windows

min -18.9% · max 9.7%

94% positive

3-Year rolling

+5.04%

176 windows

min -2.2% · max 8.7%

80% positive

5-Year rolling

+5.25%

152 windows

min 1.6% · max 8.1%

100% positive

7-Year rolling

+5.49%

128 windows

min 3.3% · max 7.7%

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

0.67%

3-year · annualised

Sharpe ratio

0.26

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.22%

May 2026 → May 2026

% positive months

100.0%

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 Low Duration Fund

Scheme	Fund house	NAV	As of
HDFC Cash Management Fund Treasury Advantage - Retail Plan Daily Dividend Option	HDFC	₹10.1428	17 Jul 2026
SBI Short Horizon Debt Fund - Ultra Short Term Fund - Retail Plan - Monthly Dividend	SBI	₹1,624.3719	17 Jul 2026
UTI - Treasury Advantage Fund - Retail Weekly Dividend Option	UTI	₹1,086.2501	17 Jul 2026
Axis Treasury Advantage Fund - Retail Plan - Daily IDCW	Axis	₹1,012.4736	17 Jul 2026
Reliance Money Manager Fund-Retail Plan Growth Option	Reliance	₹3,793.0737	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹2,825.7687
16 Jul 2026	₹2,824.4054
15 Jul 2026	₹2,822.9489
14 Jul 2026	₹2,822.0926
13 Jul 2026	₹2,824.3385
10 Jul 2026	₹2,823.3240
9 Jul 2026	₹2,821.8632
8 Jul 2026	₹2,820.5578
7 Jul 2026	₹2,823.7710
6 Jul 2026	₹2,824.8952

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 Money Manager Fund-Retail Plan Bonus Option is ₹2,825.7687. It's a Low Duration Fund from Reliance, run as a Retail plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Reliance Money Manager Fund-Retail Plan Bonus Option has NAV history starting from 11 Feb 2009, a track record of about 17 years 5 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 Money Manager Fund-Retail Plan Bonus Option is managed by Reliance. It's classified by AMFI under the 'Low Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Reliance Money Manager Fund-Retail Plan Bonus Option has delivered a absolute return of 6.08% — +4.02 pp ahead of the Low Duration Fund category average of 2.06%. The fund ranks #2 of 20 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Reliance Money Manager Fund-Retail Plan Bonus Option has delivered a CAGR of 6.87% — +4.17 pp ahead of the Low Duration Fund category average of 2.71%. The fund ranks #3 of 20 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Reliance Money Manager Fund-Retail Plan Bonus Option has delivered a CAGR of 6.01% — +3.63 pp ahead of the Low Duration Fund category average of 2.37%. The fund ranks #3 of 20 in its category — the top (Q1) quartile.

₹1 lakh invested in Reliance Money Manager Fund-Retail Plan Bonus Option exactly 10 years ago would be worth approximately ₹183,378 today — a multiplier of 1.83×, based on the 10-year CAGR of 6.25%. The category average over the same window would have grown ₹1 lakh to ₹122,058.

A ₹10,000 monthly SIP in Reliance Money Manager Fund-Retail Plan Bonus Option over the last 5 years — total invested ₹600,000 — would be worth ₹709,327 today. That's an XIRR (money-weighted annualised return) of 6.63%.

A ₹10,000 monthly SIP for 10 years in Reliance Money Manager Fund-Retail Plan Bonus Option = ₹1,200,000 invested. It would currently be worth ₹1,652,105 (multiplier 1.38×). XIRR: 6.23%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Reliance Money Manager Fund-Retail Plan Bonus Option ranks #3 out of 20 funds in the Low Duration Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 2.37%; this fund delivered 6.01%.

The worst peak-to-trough decline Reliance Money Manager Fund-Retail Plan Bonus Option has experienced over the last 5-year window is 0.42% — its NAV fell from a high on 02 May 2022 to a low on 06 May 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, Reliance Money Manager Fund-Retail Plan Bonus Option averaged 5.25% (best 8.15%, worst 1.61%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.89 — negative risk-adjusted performance.

In calendar year 2025, Reliance Money Manager Fund-Retail Plan Bonus Option returned 7.04% — beating the Low Duration Fund category average of 2.87% by 4.17 pp. It ranked #2 of 20 in its category that year.

Reliance Money Manager Fund-Retail Plan Bonus 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 Money Manager Fund-Retail Plan Bonus 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: 0.4%. 5-year CAGR: 6.01%.

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