ITI Dynamic Term Fund
ITI Mutual Fund · Dynamic Bond · Regular plan, growth option
NAV (₹), 2 Oct 2026
12.6955
1-day change
-0.02%
1Y return
1.4%
3Y CAGR
4.9%
5Y CAGR
4.6%
Max drawdown, 5Y
−2.0%
NAV history month-end NAV, ₹ · 15 Jul 2021 to 1 Oct 2026
Returns vs Dynamic Bond median (23 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -0.5% | -0.4% |
| 3 months | -1.1% | -0.3% |
| 6 months | -0.1% | 2.8% |
| Year to date | 0.8% | 2.6% |
| 1 year | 1.4% | 3.1% |
| 3 years (CAGR) | 4.9% | 6.2% |
| 5 years (CAGR) | 4.6% | 5.5% |
| 7 years (CAGR) | n/a | 6.0% |
| 10 years (CAGR) | n/a | 6.1% |
| Since first NAV (CAGR) | 4.7% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 5.4% | 6.8% |
| 3Y rolling median | 6.0% | 7.0% |
| 3Y rolling worst | 4.9% | 3.2% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 5.0% | 6.9% |
| 5Y rolling worst | 4.6% | 4.4% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 2.4% | 2.6% |
| Sharpe ratio | -0.70 | -0.12 |
| Sortino ratio | -0.85 | -0.17 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −2.0% | −6.2% |
| Maximum drawdown, last 10Y | n/a | −4.0% |
| Maximum drawdown, last 5Y | −2.0% | −2.5% |
| Current drawdown | −1.6% | −1.1% |
| Recovery time of worst fall | 174 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | 1.23% | 1.28% |
| AUM, whole scheme (₹ crore) | 24 | 396 |
| Riskometer | Moderate | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 1.8% | 2.9% TRI |
| Return, 3 years (AMFI) | 4.9% | 6.2% TRI |
| Return, 5 years (AMFI) | 4.6% | 5.3% TRI |
| Month-ends above category median (3Y CAGR) | 7% | 48% median |
| Month-ends in category top quartile (3Y) | 0% | 21% median |
Official benchmark: CRISIL Dynamic Bond A-III Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Dynamic Bond Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 0.8% | n/a | – |
| 2025 | 3.9% | n/a | – |
| 2024 | 8.7% | n/a | – |
| 2023 | 5.7% | n/a | – |
| 2022 | 3.7% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 2 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,20,195 | 0.3% |
| 3 years | ₹3,60,000 | ₹3,77,389 | 3.1% |
| 5 years | ₹6,00,000 | ₹6,68,814 | 4.3% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
AMC: ITI Mutual Fund
Category: Dynamic Bond
Plan / option: Regular · Growth
AMFI scheme code: 149021
ISIN: INF00XX01AT0
First NAV in MFIC data: 15 Jul 2021
History: 5.2 years
Expense ratio, AUM, portfolio: see the scheme's factsheet
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| PGIM India Dynamic Term Fund | Dynamic Bond | 0.86 | 5.6% |
| HSBC Dynamic Term Fund | Dynamic Bond | 0.85 | 6.0% |
| Quantum Dynamic Term Fund | Dynamic Bond | 0.85 | 6.2% |
| JM Dynamic Term Fund | Dynamic Bond | 0.84 | 6.2% |
| ITI Banking & PSU Debt Fund | Banking & PSU | 0.84 | 6.4% |
| Edelweiss Gilt Fund | Gilt | 0.83 | 5.1% |
Questions about ITI Dynamic Term Fund
- What is the latest NAV of ITI Dynamic Term Fund?
- The NAV of the Regular plan (growth option) was ₹12.6955 on 2 Oct 2026, as published by AMFI.
- Which category is ITI Dynamic Term Fund in?
- It is classified as Dynamic Bond in AMFI's daily NAV file. MFIC compares it with 23 Dynamic Bond schemes (Regular plans).
- What returns has ITI Dynamic Term Fund delivered?
- Over one year the NAV changed by 1.4%. The 3-year CAGR is 4.9% (category median 6.2%) and the 5-year CAGR is 4.6% (category median 5.5%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 6.0%, the lowest was 4.9%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in ITI Dynamic Term Fund's NAV?
- The largest peak-to-trough fall in its available history was 2.0%; within the last five years it was 2.0% (category median 2.5%).
- How volatile is ITI Dynamic Term Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 2.4%, which is below the Dynamic Bond category median of 2.6%.
- What would a monthly SIP in ITI Dynamic Term Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹6,68,814 on 2 Oct 2026, an annualised return (XIRR) of 4.3%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of ITI Dynamic Term Fund?
- The total expense ratio of the Regular plan is 1.23% a year, as disclosed to AMFI (median of Dynamic Bond Regular plans: 1.28%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is ITI Dynamic Term Fund?
- Assets under management of the whole scheme were ₹24 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of ITI Dynamic Term Fund?
- AMFI lists the scheme's riskometer as “Moderate”, and its benchmark's as “Moderate”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of ITI Dynamic Term Fund and how has it compared?
- Its official benchmark is the CRISIL Dynamic Bond A-III Index. Over 3 years AMFI reports a return of 4.9% for this plan against 6.2% for the benchmark total return index; over 5 years 4.6% against 5.3%. Past performance does not indicate future results.
- How often has ITI Dynamic Term Fund beaten its category?
- At 7% of the 27 month-ends compared over the last 10 years, its 3-year return was above the median of Dynamic Bond schemes (Regular plans); it was in the top quarter at 0% of them. A typical scheme would show about 50%.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 2.4% and the Regular plan's by 1.4%. The Regular plan includes the services of a distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 2 Oct 2026. Category medians use Regular plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.