Should I invest in Reliance Short Term Fund?

We don't give personal investment advice. Reliance Short Term Fund-Dividend Re-investment Plan 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: 1.9%. 5-year CAGR: 0.20%.

Reliance

Reliance Short Term Fund-Dividend Re-investment Plan

Latest NAV

₹11.5433

As of

17 Jul 2026

4,898 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	+0.04%	-0.01%	+0.05	1 / 39	Q1
1W	+0.01%	+14.90%	-14.89	21 / 40	Q3
2W	-0.06%	+14.87%	-14.93	21 / 40	Q3
1M	-0.86%	+16.97%	-17.83	36 / 40	Q4
3M	+0.05%	+17.77%	-17.73	33 / 40	Q4
6M	+0.53%	+18.69%	-18.16	27 / 40	Q3
YTD	+0.32%	+18.27%	-17.94	27 / 40	Q3
1Y	+0.01%	+19.84%	-19.83	28 / 40	Q3
2Y	+0.15%	+8.35%	-8.19	30 / 40	Q3
3Y	+0.22%	+5.83%	-5.60	30 / 40	Q3
4Y	+0.38%	+4.95%	-4.57	31 / 39	Q4
5Y	+0.20%	+4.18%	-3.98	30 / 38	Q4
7Y	+0.26%	+2.89%	-2.64	27 / 37	Q3
10Y	+0.36%	+4.96%	-4.60	19 / 27	Q3
Inception	+0.55%	+1.95%	-1.40	34 / 40	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	+0.32%	+1.52%	-1.20	13 / 21
2025	+0.15%	+34.44%	-34.29	21 / 25
2024	+0.29%	+3.79%	-3.50	17 / 25
2023	+0.23%	+4.24%	-4.01	19 / 25
2022	+0.28%	+2.62%	-2.34	17 / 26
2021	+0.03%	+3.74%	-3.71	17 / 26
2020	+0.65%	+3.74%	-3.09	18 / 30
2019	+1.34%	+2.23%	-0.89	13 / 30
2018	+0.23%	+2.73%	-2.49	19 / 30
2017	-0.02%	+2.37%	-2.38	28 / 37
2016	+0.63%	+5.27%	-4.64	27 / 37

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

+0.52%

236 windows

min -2.5% · max 4.2%

79% positive

3-Year rolling

+0.51%

211 windows

min -0.1% · max 1.7%

98% positive

5-Year rolling

+0.53%

187 windows

min -0.6% · max 1.2%

98% positive

7-Year rolling

+0.55%

163 windows

min 0.1% · max 1.1%

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

1.67%

3-year · annualised

Sharpe ratio

-3.75

vs risk-free 6.5%

Sortino ratio

-6.22

Downside-only deviation

Max drawdown

-1.93%

Apr 2025 → Apr 2026

% positive months

47.2%

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 Short Duration Fund

Scheme	Fund house	NAV	As of
HDFC Short Term Debt Fund - Fortnightly IDCW Option	HDFC	₹10.1971	17 Jul 2026
NIPPON INDIA SHORT DURATION FUND - IDCW Option	Nippon India	₹22.7873	17 Jul 2026
SBI SHORT HORIZON DEBT FUND-SHORT TERM FUND INSTTUTIONAL GROWTH	SBI	₹34.0048	17 Jul 2026
ICICI Prudential Short Term Plan - Div. Option	ICICI Prudential	₹12.0655	17 Jul 2026
Kotak Bond Short Term Plan-(Growth)	Kotak Mahindra	₹54.9923	17 Jul 2026
DSP BlackRock Short Term Fund-Dividend	DSP BlackRock	₹12.2975	17 Jul 2026
HSBC Short Duration Fund - Bonus	HSBC	₹28.0219	17 Jul 2026
UTI - Short Term Income Fund - Dividend Option	UTI	₹24.9629	17 Jul 2026
IDFC - SSIF - Short Term - Plan A - Fortnightly Dividend	IDFC	₹10.4169	17 Jul 2026
Reliance Short Term Fund-Growth Plan	Reliance	₹56.0243	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹11.5433
16 Jul 2026	₹11.5385
15 Jul 2026	₹11.5293
14 Jul 2026	₹11.5229
13 Jul 2026	₹11.5430
10 Jul 2026	₹11.5420
9 Jul 2026	₹11.5334
8 Jul 2026	₹11.5289
7 Jul 2026	₹11.5553
6 Jul 2026	₹11.5562

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 Short Term Fund-Dividend Re-investment Plan is ₹11.5433. It's a Short Duration Fund from Reliance, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Reliance Short Term Fund-Dividend Re-investment Plan 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 Short Term Fund-Dividend Re-investment Plan is managed by Reliance. It's classified by AMFI under the 'Short Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Reliance Short Term Fund-Dividend Re-investment Plan has delivered a absolute return of 0.01% — -19.83 pp behind the Short Duration Fund category average of 19.84%. The fund ranks #28 of 40 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Reliance Short Term Fund-Dividend Re-investment Plan has delivered a CAGR of 0.22% — -5.6 pp behind the Short Duration Fund category average of 5.83%. The fund ranks #30 of 40 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Reliance Short Term Fund-Dividend Re-investment Plan has delivered a CAGR of 0.20% — -3.98 pp behind the Short Duration Fund category average of 4.18%. The fund ranks #30 of 38 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Reliance Short Term Fund-Dividend Re-investment Plan exactly 10 years ago would be worth approximately ₹103,611 today — a multiplier of 1.04×, based on the 10-year CAGR of 0.36%. The category average over the same window would have grown ₹1 lakh to ₹162,199.

A ₹10,000 monthly SIP in Reliance Short Term Fund-Dividend Re-investment Plan over the last 5 years — total invested ₹600,000 — would be worth ₹603,654 today. That's an XIRR (money-weighted annualised return) of 0.24%.

A ₹10,000 monthly SIP for 10 years in Reliance Short Term Fund-Dividend Re-investment Plan = ₹1,200,000 invested. It would currently be worth ₹1,219,657 (multiplier 1.02×). XIRR: 0.32%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Reliance Short Term Fund-Dividend Re-investment Plan ranks #30 out of 38 funds in the Short Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 4.18%; this fund delivered 0.20%.

The worst peak-to-trough decline Reliance Short Term Fund-Dividend Re-investment Plan has experienced over the last 5-year window is 1.93% — its NAV fell from a high on 24 Apr 2025 to a low on 02 Apr 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 Short Term Fund-Dividend Re-investment Plan averaged 0.53% (best 1.15%, worst -0.64%). 98% of rolling windows ended positive. The 5-year Sharpe ratio is -4.13 — negative risk-adjusted performance.

In calendar year 2025, Reliance Short Term Fund-Dividend Re-investment Plan returned 0.15% — lagging the Short Duration Fund category average of 34.44% by 34.29 pp. It ranked #21 of 25 in its category that year.

Reliance Short Term Fund-Dividend Re-investment Plan 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 Short Term Fund-Dividend Re-investment Plan 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: 1.9%. 5-year CAGR: 0.20%.

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