Should I invest in Reliance Short Term Fund-Quarterly Dividend Plan?

We don't give personal investment advice. Reliance Short Term Fund-Quarterly Dividend 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: 3.8%. 5-year CAGR: 0.45%.

Reliance

Reliance Short Term Fund-Quarterly Dividend Plan

Latest NAV

₹14.9501

As of

17 Jul 2026

4,824 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	3 / 39	Q1
1W	+0.01%	+14.90%	-14.89	19 / 40	Q2
2W	-0.06%	+14.87%	-14.93	22 / 40	Q3
1M	-0.91%	+16.97%	-17.87	38 / 40	Q4
3M	+0.27%	+17.77%	-17.50	30 / 40	Q3
6M	+0.52%	+18.69%	-18.18	28 / 40	Q3
YTD	+0.31%	+18.27%	-17.96	28 / 40	Q3
1Y	+0.14%	+19.84%	-19.70	27 / 40	Q3
2Y	+0.45%	+8.35%	-7.90	27 / 40	Q3
3Y	+0.64%	+5.83%	-5.18	27 / 40	Q3
4Y	+0.55%	+4.95%	-4.40	28 / 39	Q3
5Y	+0.45%	+4.18%	-3.72	27 / 38	Q3
7Y	+0.22%	+2.89%	-2.68	28 / 37	Q4
10Y	+0.43%	+4.96%	-4.53	18 / 27	Q3
Inception	+0.94%	+1.95%	-1.01	28 / 40	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	+0.31%	+1.52%	-1.21	14 / 21
2025	+0.49%	+34.44%	-33.95	19 / 25
2024	+0.79%	+3.79%	-3.00	13 / 25
2023	+1.09%	+4.24%	-3.15	17 / 25
2022	-0.35%	+2.62%	-2.98	24 / 26
2021	+0.09%	+3.74%	-3.66	16 / 26
2020	-0.32%	+3.74%	-4.06	25 / 30
2019	+0.86%	+2.23%	-1.37	14 / 30
2018	+1.77%	+2.73%	-0.96	15 / 30
2017	-0.01%	+2.37%	-2.38	27 / 37
2016	+0.80%	+5.27%	-4.47	26 / 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

+0.90%

232 windows

min -2.7% · max 6.5%

74% positive

3-Year rolling

+0.81%

208 windows

min -0.8% · max 2.8%

90% positive

5-Year rolling

+0.78%

183 windows

min 0.0% · max 1.8%

99% positive

7-Year rolling

+0.79%

159 windows

min 0.1% · max 1.5%

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

3.02%

3-year · annualised

Sharpe ratio

-1.92

vs risk-free 6.5%

Sortino ratio

-2.43

Downside-only deviation

Max drawdown

-3.84%

Jun 2025 → Apr 2026

% positive months

69.4%

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 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-Dividend Re-investment Plan	Reliance	₹11.5433	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹14.9501
16 Jul 2026	₹14.9439
15 Jul 2026	₹14.9319
14 Jul 2026	₹14.9237
13 Jul 2026	₹14.9498
10 Jul 2026	₹14.9484
9 Jul 2026	₹14.9374
8 Jul 2026	₹14.9314
7 Jul 2026	₹14.9657
6 Jul 2026	₹14.9669

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-Quarterly Dividend Plan is ₹14.9501. 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-Quarterly Dividend Plan has NAV history starting from 20 Jul 2006, a track record of about 19 years 11 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-Quarterly Dividend 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-Quarterly Dividend Plan has delivered a absolute return of 0.14% — -19.7 pp behind the Short Duration Fund category average of 19.84%. The fund ranks #27 of 40 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Reliance Short Term Fund-Quarterly Dividend Plan has delivered a CAGR of 0.64% — -5.18 pp behind the Short Duration Fund category average of 5.83%. The fund ranks #27 of 40 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Reliance Short Term Fund-Quarterly Dividend Plan has delivered a CAGR of 0.45% — -3.72 pp behind the Short Duration Fund category average of 4.18%. The fund ranks #27 of 38 in its category — the third (Q3) quartile.

₹1 lakh invested in Reliance Short Term Fund-Quarterly Dividend Plan exactly 10 years ago would be worth approximately ₹104,351 today — a multiplier of 1.04×, based on the 10-year CAGR of 0.43%. 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-Quarterly Dividend Plan over the last 5 years — total invested ₹600,000 — would be worth ₹605,430 today. That's an XIRR (money-weighted annualised return) of 0.35%.

A ₹10,000 monthly SIP for 10 years in Reliance Short Term Fund-Quarterly Dividend Plan = ₹1,200,000 invested. It would currently be worth ₹1,220,810 (multiplier 1.02×). XIRR: 0.34%. 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-Quarterly Dividend Plan ranks #27 out of 38 funds in the Short Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 4.18%; this fund delivered 0.45%.

The worst peak-to-trough decline Reliance Short Term Fund-Quarterly Dividend Plan has experienced over the last 5-year window is 3.84% — its NAV fell from a high on 06 Jun 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-Quarterly Dividend Plan averaged 0.78% (best 1.78%, worst -0.03%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is -2.05 — negative risk-adjusted performance.

In calendar year 2025, Reliance Short Term Fund-Quarterly Dividend Plan returned 0.49% — lagging the Short Duration Fund category average of 34.44% by 33.95 pp. It ranked #19 of 25 in its category that year.

Reliance Short Term Fund-Quarterly Dividend 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-Quarterly Dividend 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: 3.8%. 5-year CAGR: 0.45%.

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