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

We don't give personal investment advice. Religare Short Term Plan - Institutional - Monthly 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: 1.2%. 5-year CAGR: 5.52%.

Religare

Religare Short Term Plan - Institutional - Monthly 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

₹2,454.7689

As of

3 Jul 2026

4,604 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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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	+0.02%	-6.71%	+6.73	9 / 15	Q3
1W	+0.39%	+5.19%	-4.80	10 / 15	Q3
2W	+0.73%	+5.48%	-4.75	8 / 15	Q3
1M	+1.77%	+7.42%	-5.65	8 / 15	Q3
3M	+2.61%	+7.98%	-5.37	6 / 15	Q2
6M	+2.79%	+8.59%	-5.81	10 / 15	Q3
YTD	+2.76%	+8.75%	-5.99	9 / 15	Q3
1Y	+5.05%	+9.79%	-4.74	8 / 15	Q3
2Y	+6.99%	+2.33%	+4.66	8 / 15	Q3
3Y	+6.91%	+0.51%	+6.40	9 / 15	Q3
4Y	+6.55%	-0.03%	+6.58	9 / 15	Q3
5Y	+5.52%	-0.66%	+6.18	9 / 15	Q3
7Y	+5.89%	-1.26%	+7.15	8 / 15	Q3
10Y	+6.21%	-1.98%	+8.19	5 / 15	Q2
Inception	+4.81%	-3.38%	+8.20	6 / 13	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	+2.76%	+2.49%	+0.27	6 / 8
2025	+7.40%	+27.18%	-19.78	5 / 9
2024	+7.65%	+6.02%	+1.63	7 / 9
2023	+6.24%	+5.91%	+0.33	7 / 9
2022	+2.12%	+3.42%	-1.30	8 / 9
2021	+1.95%	+4.48%	-2.53	8 / 9
2020	+8.81%	+5.70%	+3.11	4 / 13
2019	+9.28%	+1.27%	+8.01	2 / 14
2018	+5.36%	-4.01%	+9.38	6 / 15
2017	+4.64%	+2.34%	+2.30	6 / 15
2016	+9.55%	+4.68%	+4.87	5 / 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

+4.91%

221 windows

min -0.9% · max 10.8%

94% positive

3-Year rolling

+5.02%

197 windows

min 0.1% · max 9.2%

100% positive

5-Year rolling

+5.21%

172 windows

min 1.0% · max 7.8%

100% positive

7-Year rolling

+5.54%

148 windows

min 1.9% · max 8.1%

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

1.42%

3-year · annualised

Sharpe ratio

0.15

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.56%

May 2026 → May 2026

% positive months

94.4%

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	₹10.3505	3 Jul 2026
NIPPON INDIA SHORT DURATION FUND - Direct Plan - IDCW Option	Nippon India	₹24.8956	3 Jul 2026
SBI SHORT HORIZON DEBT FUND-SHORT TERM FUND INSTITUTIONAL DIVIDEND FORTNIGHTLY	SBI	₹15.4205	3 Jul 2026
ICICI Prudential Short Term Fund - Direct Plan - Monthly IDCW	ICICI Prudential	₹12.6963	3 Jul 2026
Invesco India Short Duration Fund - Direct Plan - Daily IDCW (Reinvestment)	Invesco	₹1,023.5520	3 Jul 2026
Bandhan Short Duration Fund - Direct Plan - Annual IDCW	Bandhan	₹11.0955	3 Jul 2026
Aditya Birla Sun Life Short Term Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹11.0685	3 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	3 Jul 2026
Mirae Asset Short Duration Fund - Direct Plan - IDCW	Mirae Asset	₹17.7013	3 Jul 2026
Kotak Bond Short Term Plan - Direct - Standard Income Distribution cum capital withdrawal option	Kotak	₹16.1948	3 Jul 2026

Recent NAVs

Date	NAV
3 Jul 2026	₹2,454.7689
2 Jul 2026	₹2,454.1763
1 Jul 2026	₹2,451.8800
30 Jun 2026	₹2,450.7689
29 Jun 2026	₹2,448.6948
25 Jun 2026	₹2,445.2874
24 Jun 2026	₹2,442.0281
23 Jun 2026	₹2,438.9911
22 Jun 2026	₹2,438.3985
19 Jun 2026	₹2,436.9911

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 Jul 2026, the NAV of Religare Short Term Plan - Institutional - Monthly Dividend is ₹2,454.7689. 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 - Monthly Dividend has NAV history starting from 01 Jun 2007, a track record of about 19 years 1 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 - Monthly 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 - Monthly Dividend has delivered a absolute return of 5.05% — -4.74 pp behind the Short Duration Fund category average of 9.79%. The fund ranks #8 of 15 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Religare Short Term Plan - Institutional - Monthly Dividend has delivered a CAGR of 6.91% — +6.4 pp ahead of the Short Duration Fund category average of 0.51%. The fund ranks #9 of 15 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Religare Short Term Plan - Institutional - Monthly Dividend has delivered a CAGR of 5.52% — +6.18 pp ahead of the Short Duration Fund category average of -0.66%. The fund ranks #9 of 15 in its category — the third (Q3) quartile.

₹1 lakh invested in Religare Short Term Plan - Institutional - Monthly Dividend exactly 10 years ago would be worth approximately ₹182,640 today — a multiplier of 1.83×, based on the 10-year CAGR of 6.21%. The category average over the same window would have grown ₹1 lakh to ₹81,852.

A ₹10,000 monthly SIP in Religare Short Term Plan - Institutional - Monthly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹705,267 today. That's an XIRR (money-weighted annualised return) of 6.40%.

A ₹10,000 monthly SIP for 10 years in Religare Short Term Plan - Institutional - Monthly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,631,988 (multiplier 1.36×). XIRR: 5.99%. 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 - Monthly Dividend ranks #9 out of 15 funds in the Short Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -0.66%; this fund delivered 5.52%.

The worst peak-to-trough decline Religare Short Term Plan - Institutional - Monthly Dividend has experienced over the last 5-year window is 1.18% — its NAV fell from a high on 05 Apr 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 - Monthly Dividend averaged 5.21% (best 7.82%, worst 0.95%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.75 — negative risk-adjusted performance.

In calendar year 2025, Religare Short Term Plan - Institutional - Monthly Dividend returned 7.40% — lagging the Short Duration Fund category average of 27.18% by 19.78 pp. It ranked #5 of 9 in its category that year.

Religare Short Term Plan - Institutional - Monthly 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 - Monthly 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: 1.2%. 5-year CAGR: 5.52%.

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

Religare Short Term Plan - Institutional - Monthly Dividend

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Short Duration Fund

Recent NAVs

Frequently asked questions

More from Religare