IDLC Income Fund (IIF)

Income+ dividends

IDLC Income Fund (IIF) returned 9.91% a year over the last 3 years, with cash dividends reinvested, based on NAV history through 2 Sep 2026.

Open-end income mutual fund in Bangladesh, managed by IDLC Asset Management Limited (IDLC AML). Tracked since Jun 2021, with dividends reinvested by default or taken as cash.

৳11.58NAV per unit
৳102 crFund size
5.3 yrsSince Jun 2021
+7.45%Per year, since launch
Start 100Now 146

Total-return path since Jun 2021, dividends reinvested.

Index, not taka.

See the numbers behind this chart
Month-by-month total-return index for IDLC Income Fund, dividends reinvested
MonthTotal-return index
Jun 2021100.00
Jul 2021100.70
Aug 2021101.00
Sep 2021101.40
Oct 2021101.70
Nov 2021102.80
Dec 2021103.60
Jan 2022103.60
Feb 2022102.50
Mar 2022103.00
Apr 2022103.40
May 2022103.80
Jun 2022104.60
Jul 2022103.60
Aug 2022104.10
Sep 2022104.50
Oct 2022109.90
Nov 2022111.30
Dec 2022111.80
Jan 2023108.60
Feb 2023109.10
Mar 2023109.50
Apr 2023109.90
May 2023110.50
Jun 2023111.10
Jul 2023111.10
Aug 2023109.50
Sep 2023109.80
Oct 2023117.80
Nov 2023118.40
Dec 2023118.90
Jan 2024120.20
Feb 2024120.90
Mar 2024121.30
Apr 2024122.10
May 2024123.00
Jun 2024124.20
Jul 2024124.20
Aug 2024118.30
Sep 2024119.20
Oct 2024128.10
Nov 2024129.10
Dec 2024129.80
Jan 2025131.70
Feb 2025132.60
Mar 2025133.70
Apr 2025135.00
May 2025135.70
Jun 2025136.70
Jul 2025129.60
Aug 2025130.70
Sep 2025131.90
Oct 2025141.20
Nov 2025142.30
Dec 2025142.30
Jan 2026144.80
Feb 2026146.00
Mar 2026147.30
Apr 2026148.00
May 2026149.50
Jun 2026151.10
Jul 2026144.20
Aug 2026144.20
Sep 2026145.80

Latest NAV date: 2 Sep 2026.Source: IDLC Asset Management Limited (IDLC AML)'s website.Figures as of 2 Sep 2026.

Historical returns

Total return reinvests every dividend. “Per year” is the annualized compound rate. The last column is the return on a fixed amount invested every month (SIP).

Return period Total return Per year Monthly SIP /yr
6 months-1.03%-2.04%-3.47%
Year to date+2.48%+3.32%-0.81%
1 year+10.54%+10.54%+3.05%
2 years+22.31%+10.60%+6.51%
3 years+32.77%+9.91%+7.51%
5 years+43.82%+7.54%+7.94%
Max (5.3 yrs)+45.83%+7.45%+7.65%

Bars in each column are relative to the largest figure in that column, not a 0 to 100% scale.

Figures as of 2 Sep 2026 Total return includes the fund’s cash dividends (about 6.25%/yr), reinvested by default.

Rolling returns & path risk

A single look-back can flatter or punish a start date. These figures walk the whole history.

Rolling window Latest Median Best Worst Windows
1 year+10.54%+9.63%+11.79%+2.88%52
3 years+9.91%+8.96%+10.79%+5.41%28

Each window is annualized total return (dividends reinvested). Latest is the most recent closed window; median / best / worst summarize every overlapping window of that length. Tap ? on a column header for a short tip.

Path risk over the same fixed 3-year window as the rating:

4.9%Downside deviation
-5%Worst drop
100%Positive 12-mo windows
8.8%Volatility (ann.)

Downside deviation only counts losing months. Worst drop is the deepest peak-to-trough fall inside the window. These are measured facts from the NAV series; the star composite that uses them stays experimental.

Calculate your return

Just this fund. Set an amount, pick one-time or monthly, and choose a period.

৳
Dividends
See the numbers behind this chart
Month-by-month value of a ৳1,000 lump sum in IDLC Income Fund, dividends reinvested
MonthValue of ৳1,000
Jun 2021৳1,000
Jul 2021৳1,007
Aug 2021৳1,010
Sep 2021৳1,014
Oct 2021৳1,017
Nov 2021৳1,028
Dec 2021৳1,036
Jan 2022৳1,036
Feb 2022৳1,025
Mar 2022৳1,030
Apr 2022৳1,034
May 2022৳1,038
Jun 2022৳1,046
Jul 2022৳1,036
Aug 2022৳1,041
Sep 2022৳1,045
Oct 2022৳1,099
Nov 2022৳1,113
Dec 2022৳1,118
Jan 2023৳1,086
Feb 2023৳1,091
Mar 2023৳1,095
Apr 2023৳1,099
May 2023৳1,105
Jun 2023৳1,111
Jul 2023৳1,111
Aug 2023৳1,095
Sep 2023৳1,098
Oct 2023৳1,178
Nov 2023৳1,184
Dec 2023৳1,189
Jan 2024৳1,202
Feb 2024৳1,209
Mar 2024৳1,213
Apr 2024৳1,221
May 2024৳1,230
Jun 2024৳1,242
Jul 2024৳1,242
Aug 2024৳1,183
Sep 2024৳1,192
Oct 2024৳1,281
Nov 2024৳1,291
Dec 2024৳1,298
Jan 2025৳1,317
Feb 2025৳1,326
Mar 2025৳1,337
Apr 2025৳1,350
May 2025৳1,357
Jun 2025৳1,367
Jul 2025৳1,296
Aug 2025৳1,307
Sep 2025৳1,319
Oct 2025৳1,412
Nov 2025৳1,423
Dec 2025৳1,423
Jan 2026৳1,448
Feb 2026৳1,460
Mar 2026৳1,473
Apr 2026৳1,480
May 2026৳1,495
Jun 2026৳1,511
Jul 2026৳1,442
Aug 2026৳1,442
Sep 2026৳1,458
৳1,000 · Jun 2021৳1,458 · 2 Sep 2026

Total-return NAV rebased to your amount. Dividends are reinvested by default; switch to taken as cash above.

Fund details

Management fee0.70% per year (maximum)
Fee vs peersStated headline among 7 Income funds ReturnKoto? tracks: 0.70% to 2.50%. This fund’s stated headline is 0.70%. This is the management fee line from each prospectus, not a full expense ratio (TER).
Early-exit feeExit load 2% if held under 90 days, 1.5% for 90 to 180 days, 1% for 180 to 360 days, none after 1 year
Minimum investmentBDT 5,000 individual / BDT 50,000 institution
LiquidityOpen-end, redeemable weekly at NAV
Asset managerIDLC Asset Management Limited (IDLC AML)
SponsorIDLC Asset Management Limited (IDLC AML)
TrusteeSandhani Life Insurance
CustodianBRAC Bank
Face valueBDT 10 per unit

What IDLC Income Fund holds

As of 30 Jun 2026

From the fund’s quarterly portfolio disclosure. Percentages by market value.

Asset mix
Government treasury bonds 81.05%Cash at bank 14.43%FDR / term deposit 4.52%
Largest holdings
Government treasury bonds (BGTB)81.05%
Mutual Trust Bank term deposits4.52%

Each bar is sized against the largest name in this list, so you can compare them to each other. The percentage is still that name’s share of the whole fund.

What changed in the latest statement

31 Mar 2026 → 30 Jun 2026before now

+ Mutual Trust Bank term deposits · new, 4.52%− IDLC Finance & MTB term deposits · no longer held− APSCL corporate bond · no longer held
Government treasury bonds (BGTB)90.22% → 81.05%

Asset mix: Government treasury bonds 90.22% → 81.05%; Cash at bank 2.91% → 14.43%; FDR / term deposit 5.72% → 4.52%; Corporate bond exited (was 1.15%).

Position sizes shift with both trading and market prices; both snapshots come from the fund manager’s own statements.

✓ Verified from IDLC quarterly portfolio statement (30 Jun 2026). Holdings are disclosed quarterly, so they can lag the latest daily NAV.

Side by side with another fund

Questions about IDLC Income Fund (IIF)

What kind of fund is IDLC Income Fund?
IDLC Income Fund is an open-end income mutual fund in Bangladesh, managed by IDLC Asset Management Limited (IDLC AML). You buy and redeem units at its published net asset value (NAV), and it has no fixed maturity.

What is the historical return of IDLC Income Fund?
Over roughly 5.3 years to 2 Sep 2026, IDLC Income Fund returned about +7.45% per year, as a total return with dividends reinvested. The figure changes with the period you choose, and past performance does not guarantee future results.

What are the fees for IDLC Income Fund?
IDLC Income Fund charges a management fee of 0.70% per year (maximum). Its published NAV, and so every return shown, is already net of this fee.

Does IDLC Income Fund have an exit load?
Exit load 2% if held under 90 days, 1.5% for 90 to 180 days, 1% for 180 to 360 days, none after 1 year.

What is the minimum investment for IDLC Income Fund?
IDLC Income Fund has a one-time minimum of BDT 5,000 individual / BDT 50,000 institution and a monthly SIP from BDT 5,000/month.

Is IDLC Income Fund Shariah-compliant?
No. IDLC Income Fund is a conventional open-end fund, not Shariah-certified. ReturnKoto? has a one-tap filter to show only Shariah funds.

Compare IDLC Income Fund (IIF) with other funds →
ExperimentalReturnKoto? ratingstill being calibrated

Rules-based rating for each fund. Experimental; treat as one input for your own research. Every sub-score is on the ratings page.

2 of 54th of 6 income funds

A rules-based score over the same fixed 3-year window every fund is measured on: return against its benchmark, downside deviation, worst drop and consistency, on a scale set for income funds.

5-year rating: 3 of 5 over the same fixed 5-year window (1st of 2).

Return / year (3 yr)
+9.10%
Downside deviation
4.9%
Worst drop
-5%
Consistency
100%
Versus the market (DSEX)

Beta -0.20 · has moved largely independently of the DSEX market index (low correlation: it explains only about 16% of its month-to-month swings).

✓ Rules-based, measured from the fund’s own NAV history. How the rating will work.