Should I invest in Sahara R.E.A.L Fund?

We don't give personal investment advice. Sahara R.E.A.L Fund - Dividend Option is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 37.7%. 5-year CAGR: 0.96%.

Sahara

Sahara R.E.A.L Fund - Dividend Option

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%	+0.06%	-0.07	179 / 299	Q3
1W	-7.10%	-3.61%	-3.49	280 / 303	Q4
2W	-18.81%	-4.52%	-14.29	288 / 303	Q4
1M	-30.72%	-5.64%	-25.08	287 / 302	Q4
3M	-28.29%	-4.27%	-24.02	280 / 302	Q4
6M	-26.52%	+1.48%	-28.00	290 / 307	Q4
YTD	-28.94%	-0.18%	-28.76	286 / 309	Q4
1Y	-27.19%	+7.10%	-34.29	284 / 307	Q4
2Y	-16.89%	+2.20%	-19.09	280 / 303	Q4
3Y	-6.36%	+0.76%	-7.12	204 / 264	Q4
4Y	+1.27%	+0.58%	+0.69	159 / 235	Q3
5Y	+0.96%	+0.02%	+0.94	144 / 208	Q3
7Y	+11.11%	+3.12%	+8.00	32 / 130	Q1
10Y	+6.85%	+7.20%	-0.35	37 / 68	Q3
Inception	+3.27%	+0.51%	+2.75	187 / 310	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
2020 YTD	-28.94%	-9.83%	-19.11	28 / 39
2019	+4.31%	+4.81%	-0.49	21 / 39
2018	-13.28%	-8.44%	-4.85	38 / 55
2017	+43.24%	+29.57%	+13.68	10 / 65
2016	+1.83%	+1.07%	+0.76	42 / 88
2015	+5.50%	-3.94%	+9.44	12 / 99
2014	+72.43%	+34.59%	+37.84	9 / 133
2013	-0.06%	+0.03%	-0.08	88 / 154
2012	+32.91%	+23.57%	+9.34	42 / 190
2011	-28.66%	-23.68%	-4.98	195 / 241
2010	+15.38%	+11.69%	+3.70	103 / 256

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

+12.61%

139 windows

min -58.3% · max 88.4%

63% positive

3-Year rolling

+12.77%

114 windows

min -9.8% · max 34.5%

83% positive

5-Year rolling

+13.58%

90 windows

min -6.0% · max 26.3%

90% positive

7-Year rolling

+13.78%

66 windows

min 3.4% · max 18.3%

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

22.91%

3-year · annualised

Sharpe ratio

-0.43

vs risk-free 6.5%

Sortino ratio

-0.50

Downside-only deviation

Max drawdown

-37.74%

Jan 2018 → Mar 2020

% 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.

Recent NAVs

Date	NAV
27 Mar 2020	₹15.1296
26 Mar 2020	₹15.1305
25 Mar 2020	₹15.1315
24 Mar 2020	₹15.1324
23 Mar 2020	₹15.1334
20 Mar 2020	₹16.2864
19 Mar 2020	₹15.8171
18 Mar 2020	₹16.2643
17 Mar 2020	₹17.0907
16 Mar 2020	₹17.5361

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.

Sahara R.E.A.L Fund - Dividend Option is a Growth from Sahara (Unknown plan, Growth option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

Sahara R.E.A.L Fund - Dividend Option has NAV history starting from 28 Nov 2007, a track record of about 18 years 6 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.

Sahara R.E.A.L Fund - Dividend Option is managed by Sahara. It's classified by AMFI under the 'Growth' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Sahara R.E.A.L Fund - Dividend Option has delivered a absolute return of -27.19% — -34.29 pp behind the Growth category average of 7.10%. The fund ranks #284 of 307 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Sahara R.E.A.L Fund - Dividend Option has delivered a CAGR of -6.36% — -7.12 pp behind the Growth category average of 0.76%. The fund ranks #204 of 264 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Sahara R.E.A.L Fund - Dividend Option has delivered a CAGR of 0.96% — +0.94 pp ahead of the Growth category average of 0.02%. The fund ranks #144 of 208 in its category — the third (Q3) quartile.

₹1 lakh invested in Sahara R.E.A.L Fund - Dividend Option exactly 10 years ago would be worth approximately ₹193,935 today — a multiplier of 1.94×, based on the 10-year CAGR of 6.85%. The category average over the same window would have grown ₹1 lakh to ₹200,432.

A ₹10,000 monthly SIP in Sahara R.E.A.L Fund - Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹499,676 today. That's an XIRR (money-weighted annualised return) of -7.15%.

A ₹10,000 monthly SIP for 10 years in Sahara R.E.A.L Fund - Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,586,317 (multiplier 1.32×). XIRR: 5.44%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Sahara R.E.A.L Fund - Dividend Option ranks #144 out of 208 funds in the Growth category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 0.02%; this fund delivered 0.96%.

The worst peak-to-trough decline Sahara R.E.A.L Fund - Dividend Option has experienced over the last 5-year window is 37.74% — its NAV fell from a high on 09 Jan 2018 to a low on 27 Mar 2020. 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, Sahara R.E.A.L Fund - Dividend Option averaged 13.58% (best 26.31%, worst -6.02%). 90% of rolling windows ended positive. The 5-year Sharpe ratio is -0.12 — negative risk-adjusted performance.

In calendar year 2019, Sahara R.E.A.L Fund - Dividend Option returned 4.31% — lagging the Growth category average of 4.81% by 0.49 pp. It ranked #21 of 39 in its category that year.

Sahara R.E.A.L Fund - Dividend Option doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. Sahara R.E.A.L Fund - Dividend Option is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 37.7%. 5-year CAGR: 0.96%.

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