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

We don't give personal investment advice. Religare Active Income Fund - Regular - QuarterlyDividend 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: 4.4%. 5-year CAGR: 0.51%.

Religare

Religare Active Income Fund - Regular - QuarterlyDividend

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

₹1,165.8679

As of

17 Jul 2026

4,570 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	42 / 54	Q4
1W	-0.07%	-0.01%	-0.07	44 / 54	Q4
2W	-0.10%	+0.01%	-0.12	24 / 54	Q2
1M	+0.77%	+0.50%	+0.28	9 / 54	Q1
3M	+1.00%	+1.16%	-0.16	35 / 54	Q3
6M	+1.27%	+0.76%	+0.51	29 / 54	Q3
YTD	+0.98%	+0.57%	+0.40	32 / 54	Q3
1Y	-0.58%	+1.61%	-2.19	41 / 54	Q4
2Y	+0.69%	+3.40%	-2.70	38 / 54	Q3
3Y	+0.54%	+3.31%	-2.78	36 / 53	Q3
4Y	+0.67%	+3.41%	-2.73	37 / 48	Q4
5Y	+0.51%	+2.47%	-1.96	23 / 39	Q3
7Y	+0.53%	+2.44%	-1.91	21 / 38	Q3
10Y	+1.03%	+2.25%	-1.21	10 / 21	Q2
Inception	+0.81%	+2.96%	-2.15	37 / 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	+0.98%	+0.37%	+0.61	26 / 44
2025	+0.19%	+4.30%	-4.11	39 / 47
2024	+0.47%	+4.36%	-3.89	37 / 47
2023	+0.30%	+3.19%	-2.89	35 / 46
2022	+0.98%	+1.28%	-0.30	26 / 39
2021	-1.59%	-0.65%	-0.94	21 / 32
2020	+2.01%	+4.01%	-2.00	23 / 38
2019	+2.15%	+4.24%	-2.09	19 / 36
2018	+2.34%	+1.78%	+0.55	10 / 27
2017	+0.13%	+1.38%	-1.25	18 / 23
2016	+3.02%	+5.99%	-2.97	13 / 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

+0.82%

219 windows

min -6.2% · max 7.9%

68% positive

3-Year rolling

+0.76%

195 windows

min -3.6% · max 4.3%

79% positive

5-Year rolling

+0.86%

171 windows

min -1.8% · max 2.5%

88% positive

7-Year rolling

+1.02%

146 windows

min -0.5% · max 2.7%

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

2.77%

3-year · annualised

Sharpe ratio

-2.13

vs risk-free 6.5%

Sortino ratio

-2.73

Downside-only deviation

Max drawdown

-4.37%

Jun 2025 → Apr 2026

% positive months

63.9%

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	₹1,165.8679
16 Jul 2026	₹1,165.9655
15 Jul 2026	₹1,164.9616
14 Jul 2026	₹1,164.0554
13 Jul 2026	₹1,166.8764
10 Jul 2026	₹1,166.7341
9 Jul 2026	₹1,165.2492
8 Jul 2026	₹1,164.8186
7 Jul 2026	₹1,167.6151
6 Jul 2026	₹1,168.0956

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 - QuarterlyDividend is ₹1,165.8679. 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 - QuarterlyDividend has NAV history starting from 03 Aug 2007, a track record of about 18 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.

Religare Active Income Fund - Regular - QuarterlyDividend 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 - QuarterlyDividend has delivered a absolute return of -0.58% — -2.19 pp behind the Corporate Bond Fund category average of 1.61%. The fund ranks #41 of 54 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Religare Active Income Fund - Regular - QuarterlyDividend has delivered a CAGR of 0.54% — -2.78 pp behind the Corporate Bond Fund category average of 3.31%. The fund ranks #36 of 53 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Religare Active Income Fund - Regular - QuarterlyDividend has delivered a CAGR of 0.51% — -1.96 pp behind the Corporate Bond Fund category average of 2.47%. The fund ranks #23 of 39 in its category — the third (Q3) quartile.

₹1 lakh invested in Religare Active Income Fund - Regular - QuarterlyDividend exactly 10 years ago would be worth approximately ₹110,810 today — a multiplier of 1.11×, based on the 10-year CAGR of 1.03%. 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 - QuarterlyDividend over the last 5 years — total invested ₹600,000 — would be worth ₹608,329 today. That's an XIRR (money-weighted annualised return) of 0.54%.

A ₹10,000 monthly SIP for 10 years in Religare Active Income Fund - Regular - QuarterlyDividend = ₹1,200,000 invested. It would currently be worth ₹1,239,804 (multiplier 1.03×). XIRR: 0.65%. 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 - QuarterlyDividend ranks #23 out of 39 funds in the Corporate Bond Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 2.47%; this fund delivered 0.51%.

The worst peak-to-trough decline Religare Active Income Fund - Regular - QuarterlyDividend has experienced over the last 5-year window is 4.37% — 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, Religare Active Income Fund - Regular - QuarterlyDividend averaged 0.86% (best 2.48%, worst -1.79%). 88% of rolling windows ended positive. The 5-year Sharpe ratio is -2.27 — negative risk-adjusted performance.

In calendar year 2025, Religare Active Income Fund - Regular - QuarterlyDividend returned 0.19% — lagging the Corporate Bond Fund category average of 4.30% by 4.11 pp. It ranked #39 of 47 in its category that year.

Religare Active Income Fund - Regular - QuarterlyDividend 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 - QuarterlyDividend 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: 4.4%. 5-year CAGR: 0.51%.

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