Should I invest in Reliance Monthly Income Plan-Quarterly Diviend Plan?

We don't give personal investment advice. Reliance Monthly Income Plan-Quarterly Diviend Plan is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 4.2%. 5-year CAGR: 1.45%.

Reliance

Reliance Monthly Income Plan-Quarterly Diviend Plan

Latest NAV

₹12.2978

As of

3 Jun 2026

4,867 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	+0.11%	+13.59%	-13.48	12 / 35	Q2
1W	0.00%	+7.13%	-7.14	6 / 37	Q1
2W	+0.30%	+7.53%	-7.23	9 / 37	Q1
1M	-0.04%	+3.17%	-3.22	11 / 37	Q2
3M	-0.23%	+8.34%	-8.57	11 / 35	Q2
6M	-1.36%	-2.49%	+1.13	10 / 33	Q2
YTD	+0.39%	-7.68%	+8.06	6 / 35	Q1
1Y	-1.76%	-2.25%	+0.48	17 / 33	Q3
2Y	+0.39%	+1.30%	-0.90	18 / 33	Q3
3Y	-0.20%	+3.60%	-3.80	26 / 33	Q4
4Y	+0.75%	+3.95%	-3.20	23 / 33	Q3
5Y	+1.45%	+3.29%	-1.84	19 / 33	Q3
7Y	-0.26%	+3.60%	-3.86	28 / 33	Q4
10Y	-0.34%	+3.19%	-3.53	26 / 33	Q4
Inception	+0.34%	+13.32%	-12.98	29 / 35	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
2026 YTD	+0.39%	-2.08%	+2.47	6 / 33
2025	+1.36%	+1.83%	-0.47	18 / 33
2024	+0.52%	+6.68%	-6.17	32 / 33
2023	+0.82%	+6.65%	-5.82	31 / 33
2022	-0.07%	-0.18%	+0.11	16 / 33
2021	+8.70%	+0.64%	+8.06	11 / 35
2020	-8.59%	+5.49%	-14.08	31 / 33
2019	-4.65%	+2.15%	-6.80	32 / 33
2018	-3.38%	-3.43%	+0.05	17 / 33
2017	+0.71%	+4.29%	-3.57	23 / 33
2016	+1.08%	+4.98%	-3.91	28 / 33

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

+0.47%

234 windows

min -21.0% · max 18.1%

54% positive

3-Year rolling

+0.41%

210 windows

min -8.7% · max 7.5%

60% positive

5-Year rolling

+0.35%

185 windows

min -5.3% · max 4.5%

56% positive

7-Year rolling

+0.20%

161 windows

min -2.5% · max 3.0%

45% 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

3.84%

3-year · annualised

Sharpe ratio

-1.72

vs risk-free 6.5%

Sortino ratio

-2.10

Downside-only deviation

Max drawdown

-4.24%

Jun 2023 → Oct 2023

% positive months

61.1%

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 Conservative Hybrid Fund

Scheme	Fund house	NAV	As of
HDFC MF Monthly Income Plan-Long Term Plan-Growth Option	HDFC	₹81.9654	3 Jun 2026
NIPPON INDIA CONSERVATIVE HYBRID FUND - SEGREGATED PORTFOLIO 2 - MONTHLY IDCW Option	Nippon India	₹0.0000	3 Jun 2026
SBI Magnum Monthly Income Plan - Growth	SBI	₹75.0311	3 Jun 2026
ICICI Prudential Income Multiplier Fund-Dividend option	ICICI Prudential	₹13.7052	3 Jun 2026
FT India Monthly Income Plan-Growth	Franklin Templeton	₹90.6648	3 Jun 2026
Kotak Debt Hybrid - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹12.0806	3 Jun 2026
DSP BlackRock Savings Manager Fund - Aggressive - Growth	DSP BlackRock	₹59.7959	3 Jun 2026
HSBC MIP - Savings - Dividend - Quarterly	HSBC	₹16.9386	3 Jun 2026
Canara Robeco Cigo-Growth Plan	Canara Robeco	₹96.3840	3 Jun 2026
UTI - MIS-ADVANTAGE-FLEXI DIVIDEND	UTI	₹43.6903	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹12.2978
2 Jun 2026	₹12.3071
1 Jun 2026	₹12.2937
29 May 2026	₹12.2974
27 May 2026	₹12.3113
26 May 2026	₹12.3076
25 May 2026	₹12.3075
22 May 2026	₹12.2756
21 May 2026	₹12.2628
20 May 2026	₹12.2699

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 03 Jun 2026, the NAV of Reliance Monthly Income Plan-Quarterly Diviend Plan is ₹12.2978. It's a Conservative Hybrid Fund from Reliance, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Reliance Monthly Income Plan-Quarterly Diviend Plan has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 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 Monthly Income Plan-Quarterly Diviend Plan is managed by Reliance. It's classified by AMFI under the 'Conservative Hybrid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Reliance Monthly Income Plan-Quarterly Diviend Plan has delivered a absolute return of -1.76% — +0.48 pp ahead of the Conservative Hybrid Fund category average of -2.25%. The fund ranks #17 of 33 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Reliance Monthly Income Plan-Quarterly Diviend Plan has delivered a CAGR of -0.20% — -3.8 pp behind the Conservative Hybrid Fund category average of 3.60%. The fund ranks #26 of 33 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Reliance Monthly Income Plan-Quarterly Diviend Plan has delivered a CAGR of 1.45% — -1.84 pp behind the Conservative Hybrid Fund category average of 3.29%. The fund ranks #19 of 33 in its category — the third (Q3) quartile.

₹1 lakh invested in Reliance Monthly Income Plan-Quarterly Diviend Plan exactly 10 years ago would be worth approximately ₹96,696 today — a multiplier of 0.97×, based on the 10-year CAGR of -0.34%. The category average over the same window would have grown ₹1 lakh to ₹136,926.

A ₹10,000 monthly SIP in Reliance Monthly Income Plan-Quarterly Diviend Plan over the last 5 years — total invested ₹600,000 — would be worth ₹611,284 today. That's an XIRR (money-weighted annualised return) of 0.73%.

A ₹10,000 monthly SIP for 10 years in Reliance Monthly Income Plan-Quarterly Diviend Plan = ₹1,200,000 invested. It would currently be worth ₹1,220,243 (multiplier 1.02×). XIRR: 0.33%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Reliance Monthly Income Plan-Quarterly Diviend Plan ranks #19 out of 33 funds in the Conservative Hybrid Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.29%; this fund delivered 1.45%.

The worst peak-to-trough decline Reliance Monthly Income Plan-Quarterly Diviend Plan has experienced over the last 5-year window is 4.24% — its NAV fell from a high on 14 Jun 2023 to a low on 26 Oct 2023. 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 Monthly Income Plan-Quarterly Diviend Plan averaged 0.35% (best 4.48%, worst -5.33%). 56% of rolling windows ended positive. The 5-year Sharpe ratio is -1.29 — negative risk-adjusted performance.

In calendar year 2025, Reliance Monthly Income Plan-Quarterly Diviend Plan returned 1.36% — lagging the Conservative Hybrid Fund category average of 1.83% by 0.47 pp. It ranked #18 of 33 in its category that year.

Reliance Monthly Income Plan-Quarterly Diviend Plan is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. Reliance Monthly Income Plan-Quarterly Diviend Plan is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 4.2%. 5-year CAGR: 1.45%.

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