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

We don't give personal investment advice. Religare Active Income Fund - Regular - MonthlyDividend 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: 1.4%. 5-year CAGR: 5.19%.

Religare

Religare Active Income Fund - Regular - MonthlyDividend

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

₹1,886.2709

As of

3 Jun 2026

4,539 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	+0.08%	+20.00%	-19.92	7 / 58	Q1
1W	+0.24%	+20.25%	-20.01	39 / 58	Q3
2W	+0.47%	+20.47%	-20.00	16 / 58	Q2
1M	+0.20%	+20.54%	-20.34	21 / 58	Q2
3M	+0.10%	+19.71%	-19.61	34 / 58	Q3
6M	+0.77%	+20.92%	-20.15	32 / 58	Q3
YTD	+0.72%	+19.75%	-19.03	34 / 58	Q3
1Y	+3.11%	+23.68%	-20.56	22 / 58	Q2
2Y	+6.46%	+9.01%	-2.54	20 / 58	Q2
3Y	+6.59%	+3.03%	+3.56	9 / 53	Q1
4Y	+6.54%	+3.29%	+3.25	8 / 48	Q1
5Y	+5.19%	+2.31%	+2.88	12 / 39	Q2
7Y	+2.70%	+2.44%	+0.26	18 / 38	Q2
10Y	+4.00%	+2.26%	+1.73	6 / 21	Q2
Inception	+3.42%	+9.00%	-5.58	26 / 58	Q2

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	+0.72%	-0.92%	+1.64	24 / 44
2025	+7.61%	+4.30%	+3.31	14 / 47
2024	+8.06%	+4.36%	+3.69	11 / 47
2023	+6.67%	+3.19%	+3.48	13 / 46
2022	+2.86%	+28.40%	-25.54	12 / 43
2021	-2.14%	-2.33%	+0.20	27 / 36
2020	+7.00%	+4.01%	+2.99	12 / 38
2019	-6.01%	+4.24%	-10.24	36 / 36
2018	+3.96%	+1.78%	+2.17	7 / 27
2017	+0.88%	+1.38%	-0.49	10 / 23
2016	+14.00%	+5.99%	+8.01	2 / 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

+3.68%

218 windows

min -7.5% · max 15.7%

74% positive

3-Year rolling

+3.42%

193 windows

min -2.4% · max 10.5%

92% positive

5-Year rolling

+3.37%

169 windows

min 0.2% · max 7.5%

100% positive

7-Year rolling

+3.58%

145 windows

min 1.5% · max 5.7%

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

1.59%

3-year · annualised

Sharpe ratio

-0.06

vs risk-free 6.5%

Sortino ratio

-0.16

Downside-only deviation

Max drawdown

-0.92%

Mar 2026 → Apr 2026

% positive months

91.7%

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	₹15.1779	3 Jun 2026
Invesco India Corporate Bond Fund - Regular Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹3,457.5247	3 Jun 2026
BANDHAN Corporate Bond Fund - Regular Annual IDCW	Bandhan	₹10.2952	3 Jun 2026
Aditya Birla Sun Life Corporate Bond Fund -REGULAR - IDCW	Aditya Birla Sun Life	₹11.6717	3 Jun 2026
Mirae Asset Corporate Bond Fund Regular IDCW	Mirae Asset	₹13.2127	3 Jun 2026
Kotak Corporate Bond Fund- Regular Plan-Monthly Dividend Option	Kotak	₹1,277.4541	3 Jun 2026
DSP Corporate Bond Fund - Regular - IDCW	DSP	₹11.3337	3 Jun 2026
HSBC Corporate Bond Fund - Regular Annual IDCW	HSBC	₹11.2637	3 Jun 2026
BARODA BNP PARIBAS CORPORATE BOND FUND - Regular Plan - ANNUAL IDCW OPTION	Baroda BNP Paribas	₹11.8892	3 Jun 2026
CANARA ROBECO CORPORATE BOND FUND - REGULAR PLAN - IDCW (Payout/Reinvestment)	Canara Robeco	₹11.6577	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,886.2709
2 Jun 2026	₹1,887.0630
1 Jun 2026	₹1,885.4920
29 May 2026	₹1,885.2648
27 May 2026	₹1,883.6856
26 May 2026	₹1,882.5078
25 May 2026	₹1,881.8214
22 May 2026	₹1,877.4994
21 May 2026	₹1,875.7637
20 May 2026	₹1,878.0452

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 Religare Active Income Fund - Regular - MonthlyDividend is ₹1,886.2709. 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 - MonthlyDividend has NAV history starting from 03 Aug 2007, a track record of about 18 years 10 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 - MonthlyDividend 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 - MonthlyDividend has delivered a absolute return of 3.11% — -20.56 pp behind the Corporate Bond Fund category average of 23.68%. The fund ranks #22 of 58 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Religare Active Income Fund - Regular - MonthlyDividend has delivered a CAGR of 6.59% — +3.56 pp ahead of the Corporate Bond Fund category average of 3.03%. The fund ranks #9 of 53 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Religare Active Income Fund - Regular - MonthlyDividend has delivered a CAGR of 5.19% — +2.88 pp ahead of the Corporate Bond Fund category average of 2.31%. The fund ranks #12 of 39 in its category — the second (Q2) quartile.

₹1 lakh invested in Religare Active Income Fund - Regular - MonthlyDividend exactly 10 years ago would be worth approximately ₹147,990 today — a multiplier of 1.48×, based on the 10-year CAGR of 4.00%. The category average over the same window would have grown ₹1 lakh to ₹125,093.

A ₹10,000 monthly SIP in Religare Active Income Fund - Regular - MonthlyDividend over the last 5 years — total invested ₹600,000 — would be worth ₹699,458 today. That's an XIRR (money-weighted annualised return) of 6.07%.

A ₹10,000 monthly SIP for 10 years in Religare Active Income Fund - Regular - MonthlyDividend = ₹1,200,000 invested. It would currently be worth ₹1,481,824 (multiplier 1.23×). XIRR: 4.13%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Religare Active Income Fund - Regular - MonthlyDividend ranks #12 out of 39 funds in the Corporate Bond Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 2.31%; this fund delivered 5.19%.

The worst peak-to-trough decline Religare Active Income Fund - Regular - MonthlyDividend has experienced over the last 5-year window is 1.38% — its NAV fell from a high on 05 Apr 2022 to a low on 09 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, Religare Active Income Fund - Regular - MonthlyDividend averaged 3.37% (best 7.48%, worst 0.16%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.88 — negative risk-adjusted performance.

In calendar year 2025, Religare Active Income Fund - Regular - MonthlyDividend returned 7.61% — beating the Corporate Bond Fund category average of 4.30% by 3.31 pp. It ranked #14 of 47 in its category that year.

Religare Active Income Fund - Regular - MonthlyDividend 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 - MonthlyDividend 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: 1.4%. 5-year CAGR: 5.19%.

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