Should I invest in Religare Short Term Plan - Institutional - Weekly Dividend?

We don't give personal investment advice. Religare Short Term Plan - Institutional - Weekly Dividend 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: 1.5%. 5-year CAGR: -0.06%.

Religare

Religare Short Term Plan - Institutional - Weekly Dividend

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

₹1,013.5478

As of

17 Jul 2026

4,634 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%	-6.72%	+6.73	11 / 15	Q3
1W	-0.04%	+4.99%	-5.03	12 / 15	Q4
2W	-0.45%	+5.06%	-5.51	14 / 15	Q4
1M	-0.28%	+6.87%	-7.15	14 / 15	Q4
3M	-0.40%	+7.48%	-7.88	14 / 15	Q4
6M	+0.03%	+8.62%	-8.59	13 / 15	Q4
YTD	-0.25%	+8.67%	-8.92	14 / 15	Q4
1Y	-0.27%	+9.61%	-9.88	13 / 15	Q4
2Y	-0.12%	+2.20%	-2.32	13 / 15	Q4
3Y	-0.09%	+0.42%	-0.51	12 / 15	Q4
4Y	+0.04%	-0.09%	+0.12	14 / 15	Q4
5Y	-0.06%	-0.72%	+0.67	14 / 15	Q4
7Y	-0.06%	-1.32%	+1.26	14 / 15	Q4
10Y	-0.03%	-2.02%	+1.99	14 / 15	Q4
Inception	+0.07%	-3.39%	+3.46	12 / 13	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	-0.25%	+2.34%	-2.58	8 / 8
2025	-0.06%	+27.18%	-27.24	9 / 9
2024	-0.02%	+6.02%	-6.04	9 / 9
2023	0.00%	+5.91%	-5.91	9 / 9
2022	+0.11%	+3.42%	-3.30	9 / 9
2021	-0.20%	+4.48%	-4.67	9 / 9
2020	+0.03%	+5.70%	-5.67	12 / 13
2019	-0.03%	+1.27%	-1.30	10 / 14
2018	+0.31%	-4.01%	+4.32	9 / 15
2017	+0.30%	+2.34%	-2.05	8 / 15
2016	-0.82%	+4.68%	-5.50	15 / 15

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

+0.05%

223 windows

min -2.3% · max 2.0%

60% positive

3-Year rolling

+0.01%

199 windows

min -0.6% · max 0.7%

55% positive

5-Year rolling

+0.00%

174 windows

min -0.5% · max 0.6%

53% positive

7-Year rolling

+0.00%

150 windows

min -0.3% · max 0.2%

56% 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

0.88%

3-year · annualised

Sharpe ratio

-7.54

vs risk-free 6.5%

Sortino ratio

-9.56

Downside-only deviation

Max drawdown

-1.20%

Apr 2025 → May 2026

% positive months

55.6%

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 - Direct Plan	HDFC	₹10.3040	17 Jul 2026
NIPPON INDIA SHORT DURATION FUND - Direct Plan - IDCW Option	Nippon India	₹24.8850	17 Jul 2026
SBI SHORT HORIZON DEBT FUND-SHORT TERM FUND INSTITUTIONAL DIVIDEND FORTNIGHTLY	SBI	₹15.4028	17 Jul 2026
ICICI Prudential Short Term Fund - Direct Plan - Monthly IDCW	ICICI Prudential	₹12.6812	17 Jul 2026
Invesco India Short Duration Fund - Direct Plan - Daily IDCW (Reinvestment)	Invesco	₹1,021.8141	17 Jul 2026
Bandhan Short Duration Fund - Direct Plan - Annual IDCW	Bandhan	₹11.0863	17 Jul 2026
Aditya Birla Sun Life Short Term Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹11.0543	17 Jul 2026
Franklin India Short term Income Plan- Retail Plan-Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct Monthly - IDCW	Franklin India	₹0.0000	17 Jul 2026
Mirae Asset Short Duration Fund - Direct Plan - IDCW	Mirae Asset	₹17.6720	17 Jul 2026
Kotak Bond Short Term Plan - Direct - Standard Income Distribution cum capital withdrawal option	Kotak	₹16.1853	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹1,013.5478
16 Jul 2026	₹1,013.4667
15 Jul 2026	₹1,012.5310
14 Jul 2026	₹1,011.9913
13 Jul 2026	₹1,013.9637
10 Jul 2026	₹1,013.9658
9 Jul 2026	₹1,013.0650
8 Jul 2026	₹1,012.8181
7 Jul 2026	₹1,014.9775
6 Jul 2026	₹1,018.6480

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 Short Term Plan - Institutional - Weekly Dividend is ₹1,013.5478. It's a Short Duration Fund from Religare, run as a Institutional plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Religare Short Term Plan - Institutional - Weekly Dividend has NAV history starting from 10 Apr 2007, a track record of about 19 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.

Religare Short Term Plan - Institutional - Weekly Dividend is managed by Religare. 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, Religare Short Term Plan - Institutional - Weekly Dividend has delivered a absolute return of -0.27% — -9.88 pp behind the Short Duration Fund category average of 9.61%. The fund ranks #13 of 15 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Religare Short Term Plan - Institutional - Weekly Dividend has delivered a CAGR of -0.09% — -0.51 pp behind the Short Duration Fund category average of 0.42%. The fund ranks #12 of 15 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Religare Short Term Plan - Institutional - Weekly Dividend has delivered a CAGR of -0.06% — +0.67 pp ahead of the Short Duration Fund category average of -0.72%. The fund ranks #14 of 15 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Religare Short Term Plan - Institutional - Weekly Dividend exactly 10 years ago would be worth approximately ₹99,734 today — a multiplier of 1.00×, based on the 10-year CAGR of -0.03%. The category average over the same window would have grown ₹1 lakh to ₹81,565.

A ₹10,000 monthly SIP in Religare Short Term Plan - Institutional - Weekly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹598,883 today. That's an XIRR (money-weighted annualised return) of -0.07%.

A ₹10,000 monthly SIP for 10 years in Religare Short Term Plan - Institutional - Weekly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,198,142 (multiplier 1.00×). XIRR: -0.03%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Religare Short Term Plan - Institutional - Weekly Dividend ranks #14 out of 15 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 -0.72%; this fund delivered -0.06%.

The worst peak-to-trough decline Religare Short Term Plan - Institutional - Weekly Dividend has experienced over the last 5-year window is 1.54% — its NAV fell from a high on 14 Feb 2022 to a low on 13 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 Short Term Plan - Institutional - Weekly Dividend averaged 0.00% (best 0.64%, worst -0.48%). 53% of rolling windows ended positive. The 5-year Sharpe ratio is -7.06 — negative risk-adjusted performance.

In calendar year 2025, Religare Short Term Plan - Institutional - Weekly Dividend returned -0.06% — lagging the Short Duration Fund category average of 27.18% by 27.24 pp. It ranked #9 of 9 in its category that year.

Religare Short Term Plan - Institutional - Weekly Dividend 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 Short Term Plan - Institutional - Weekly Dividend 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: 1.5%. 5-year CAGR: -0.06%.

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