Should I invest in Religare Active Income Fund - Regular - AnnualDividend?

We don't give personal investment advice. Religare Active Income Fund - Regular - AnnualDividend 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: 36.1%. 5-year CAGR: -6.11%.

Religare

Religare Active Income Fund - Regular - AnnualDividend

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 22 Apr 2013. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

Latest NAV

₹1,336.3354

As of

17 Jul 2026

4,215 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	-0.01%	-0.04%	+0.03	40 / 54	Q3
1W	-0.07%	-0.01%	-0.07	41 / 54	Q4
2W	-0.10%	+0.01%	-0.12	22 / 54	Q2
1M	+0.77%	+0.50%	+0.28	10 / 54	Q1
3M	+1.98%	+1.16%	+0.82	5 / 54	Q1
6M	-33.61%	+0.76%	-34.37	54 / 54	Q4
YTD	-33.81%	+0.57%	-34.38	54 / 54	Q4
1Y	-32.50%	+1.61%	-34.11	54 / 54	Q4
2Y	-14.06%	+3.40%	-17.46	54 / 54	Q4
3Y	-7.55%	+3.31%	-10.86	53 / 53	Q4
4Y	-8.07%	+3.41%	-11.48	48 / 48	Q4
5Y	-6.11%	+2.47%	-8.58	39 / 39	Q4
7Y	-4.90%	+2.44%	-7.34	38 / 38	Q4
10Y	-1.60%	+2.25%	-3.84	21 / 21	Q4
Inception	+1.66%	+2.96%	-1.30	31 / 54	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	-33.81%	+0.37%	-34.17	44 / 44
2025	+7.61%	+4.30%	+3.31	12 / 47
2024	+8.06%	+4.36%	+3.69	9 / 47
2023	-9.34%	+3.19%	-12.53	46 / 46
2022	+2.86%	+1.28%	+1.58	6 / 39
2021	-8.51%	-0.65%	-7.86	32 / 32
2020	+2.71%	+4.01%	-1.31	20 / 38
2019	+11.08%	+4.24%	+6.84	4 / 36
2018	+3.96%	+1.78%	+2.17	6 / 27
2017	+0.88%	+1.38%	-0.49	8 / 23
2016	+13.99%	+5.99%	+8.01	3 / 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

+3.66%

201 windows

min -33.6% · max 22.9%

82% positive

3-Year rolling

+3.96%

177 windows

min -8.0% · max 12.0%

81% positive

5-Year rolling

+4.24%

153 windows

min -6.5% · max 10.4%

77% positive

7-Year rolling

+4.52%

128 windows

min -4.9% · max 8.7%

95% 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

20.65%

3-year · annualised

Sharpe ratio

-0.56

vs risk-free 6.5%

Sortino ratio

-0.56

Downside-only deviation

Max drawdown

-36.14%

Mar 2026 → Apr 2026

% positive months

88.9%

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 Corporate Bond Fund

Scheme	Fund house	NAV	As of
SBI Corporate Bond Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹15.4554	17 Jul 2026
Invesco India Corporate Bond Fund - Regular Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹3,526.8117	17 Jul 2026
BANDHAN Corporate Bond Fund - Regular Annual IDCW	Bandhan	₹10.4901	17 Jul 2026
Aditya Birla Sun Life Corporate Bond Fund -REGULAR - IDCW	Aditya Birla Sun Life	₹11.9202	17 Jul 2026
Mirae Asset Corporate Bond Fund Regular IDCW	Mirae Asset	₹13.4466	17 Jul 2026
Kotak Corporate Bond Fund- Regular Plan-Monthly Dividend Option	Kotak	₹1,301.4930	17 Jul 2026
DSP Corporate Bond Fund - Regular - IDCW	DSP	₹11.4655	17 Jul 2026
HSBC Corporate Bond Fund - Regular Annual IDCW	HSBC	₹11.4600	17 Jul 2026
BARODA BNP PARIBAS CORPORATE BOND FUND - Regular Plan - ANNUAL IDCW OPTION	Baroda BNP Paribas	₹12.1124	17 Jul 2026
CANARA ROBECO CORPORATE BOND FUND - REGULAR PLAN - IDCW (Payout/Reinvestment)	Canara Robeco	₹11.5379	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹1,336.3354
16 Jul 2026	₹1,336.4473
15 Jul 2026	₹1,335.2966
14 Jul 2026	₹1,334.2579
13 Jul 2026	₹1,337.4914
10 Jul 2026	₹1,337.3283
9 Jul 2026	₹1,335.6262
8 Jul 2026	₹1,335.1327
7 Jul 2026	₹1,338.3381
6 Jul 2026	₹1,338.8888

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 Religare Active Income Fund - Regular - AnnualDividend is ₹1,336.3354. It's a Corporate Bond Fund from Religare, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Religare Active Income Fund - Regular - AnnualDividend has NAV history starting from 22 Jan 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.

Religare Active Income Fund - Regular - AnnualDividend is managed by Religare. It's classified by AMFI under the 'Corporate Bond Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Religare Active Income Fund - Regular - AnnualDividend has delivered a absolute return of -32.50% — -34.11 pp behind the Corporate Bond Fund category average of 1.61%. The fund ranks #54 of 54 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Religare Active Income Fund - Regular - AnnualDividend has delivered a CAGR of -7.55% — -10.86 pp behind the Corporate Bond Fund category average of 3.31%. The fund ranks #53 of 53 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Religare Active Income Fund - Regular - AnnualDividend has delivered a CAGR of -6.11% — -8.58 pp behind the Corporate Bond Fund category average of 2.47%. The fund ranks #39 of 39 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Religare Active Income Fund - Regular - AnnualDividend exactly 10 years ago would be worth approximately ₹85,142 today — a multiplier of 0.85×, based on the 10-year CAGR of -1.60%. The category average over the same window would have grown ₹1 lakh to ₹124,860.

A ₹10,000 monthly SIP in Religare Active Income Fund - Regular - AnnualDividend over the last 5 years — total invested ₹600,000 — would be worth ₹446,381 today. That's an XIRR (money-weighted annualised return) of -11.53%.

Religare Active Income Fund - Regular - AnnualDividend doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹612,080 — XIRR -9.02%.

On a 5-year basis, Religare Active Income Fund - Regular - AnnualDividend ranks #39 out of 39 funds in the Corporate Bond Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 2.47%; this fund delivered -6.11%.

The worst peak-to-trough decline Religare Active Income Fund - Regular - AnnualDividend has experienced over the last 5-year window is 36.14% — its NAV fell from a high on 02 Mar 2026 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, Religare Active Income Fund - Regular - AnnualDividend averaged 4.24% (best 10.44%, worst -6.46%). 77% of rolling windows ended positive. The 5-year Sharpe ratio is -0.63 — negative risk-adjusted performance.

In calendar year 2025, Religare Active Income Fund - Regular - AnnualDividend returned 7.61% — beating the Corporate Bond Fund category average of 4.30% by 3.31 pp. It ranked #12 of 47 in its category that year.

Religare Active Income Fund - Regular - AnnualDividend 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. Religare Active Income Fund - Regular - AnnualDividend 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: 36.1%. 5-year CAGR: -6.11%.

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