Should I invest in AIG India Treasury Fund-Quarterly Dividend Option?

We don't give personal investment advice. AIG India Treasury Fund-Retail Plan-Quarterly Dividend Option 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: 2.5%. 5-year CAGR: 0.51%.

AIG Global Investment Group

AIG India Treasury Fund-Retail Plan-Quarterly Dividend Option

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 2 Mar 2012. 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).

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	+0.07%	-7.11%	+7.18	36 / 732	Q1
1W	+0.28%	-12.64%	+12.92	82 / 699	Q1
2W	+1.34%	-12.71%	+14.05	40 / 712	Q1
1M	+2.59%	-12.43%	+15.02	36 / 754	Q1
3M	+2.15%	-11.47%	+13.62	141 / 740	Q1
6M	+2.59%	-9.57%	+12.16	316 / 680	Q2
YTD	+3.70%	-9.94%	+13.65	183 / 704	Q2
1Y	+2.10%	-7.10%	+9.21	322 / 627	Q3
2Y	+1.17%	-7.27%	+8.44	63 / 143	Q2
3Y	+1.08%	-2.77%	+3.84	39 / 83	Q2
4Y	+0.74%	+0.17%	+0.57	33 / 70	Q2
5Y	+0.51%	+0.12%	+0.40	34 / 66	Q3
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+0.69%	-6.12%	+6.81	357 / 770	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
2013 YTD	+3.70%	+2.99%	+0.72	20 / 51
2012	-0.06%	+3.57%	-3.63	45 / 54
2011	+0.01%	+2.03%	-2.02	44 / 66
2010	+0.20%	-4.87%	+5.07	69 / 143
2009	-0.12%	-9.70%	+9.57	334 / 552
2008	-0.01%	+2.86%	-2.87	185 / 257
2007	—	—	—	—

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

+0.10%

57 windows

min -1.1% · max 2.1%

60% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+0.14%

33 windows

min -0.1% · max 1.1%

88% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+0.13%

9 windows

min 0.0% · max 0.5%

89% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

—

Insufficient history

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

3.53%

3-year · annualised

Sharpe ratio

-1.52

vs risk-free 6.5%

Sortino ratio

-2.10

Downside-only deviation

Max drawdown

-2.53%

Mar 2013 → Mar 2013

% positive months

66.7%

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
24 May 2013	₹1,041.0528
23 May 2013	₹1,040.3233
22 May 2013	₹1,040.5025
21 May 2013	₹1,040.3833
20 May 2013	₹1,040.0031
17 May 2013	₹1,038.1406
16 May 2013	₹1,038.5174
15 May 2013	₹1,034.6699
14 May 2013	₹1,032.9046
13 May 2013	₹1,027.8398

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.

AIG India Treasury Fund-Retail Plan-Quarterly Dividend Option is a Income from AIG Global Investment Group (Retail plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

AIG India Treasury Fund-Retail Plan-Quarterly Dividend Option has NAV history starting from 24 Sep 2007, a track record of about 18 years 8 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.

AIG India Treasury Fund-Retail Plan-Quarterly Dividend Option is managed by AIG Global Investment Group. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, AIG India Treasury Fund-Retail Plan-Quarterly Dividend Option has delivered a absolute return of 2.10% — +9.21 pp ahead of the Income category average of -7.10%. The fund ranks #322 of 627 in its category — the third (Q3) quartile.

Over the trailing 3-year window, AIG India Treasury Fund-Retail Plan-Quarterly Dividend Option has delivered a CAGR of 1.08% — +3.84 pp ahead of the Income category average of -2.77%. The fund ranks #39 of 83 in its category — the second (Q2) quartile.

Over the trailing 5-year window, AIG India Treasury Fund-Retail Plan-Quarterly Dividend Option has delivered a CAGR of 0.51% — +0.4 pp ahead of the Income category average of 0.12%. The fund ranks #34 of 66 in its category — the third (Q3) quartile.

₹1 lakh invested in AIG India Treasury Fund-Retail Plan-Quarterly Dividend Option exactly 5 years ago would be worth approximately ₹102,601 today — a multiplier of 1.03×, based on the 5-year CAGR of 0.51%. The category average over the same window would have grown ₹1 lakh to ₹100,600.

A ₹10,000 monthly SIP in AIG India Treasury Fund-Retail Plan-Quarterly Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹616,607 today. That's an XIRR (money-weighted annualised return) of 1.08%.

AIG India Treasury Fund-Retail Plan-Quarterly Dividend Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹616,607 — XIRR 1.08%.

On a 5-year basis, AIG India Treasury Fund-Retail Plan-Quarterly Dividend Option ranks #34 out of 66 funds in the Income category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 0.12%; this fund delivered 0.51%.

The worst peak-to-trough decline AIG India Treasury Fund-Retail Plan-Quarterly Dividend Option has experienced over the last 5-year window is 2.53% — its NAV fell from a high on 22 Mar 2013 to a low on 25 Mar 2013. 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, AIG India Treasury Fund-Retail Plan-Quarterly Dividend Option averaged 0.13% (best 0.51%, worst -0.01%). 89% of rolling windows ended positive. The 5-year Sharpe ratio is -1.82 — negative risk-adjusted performance.

In calendar year 2012, AIG India Treasury Fund-Retail Plan-Quarterly Dividend Option returned -0.06% — lagging the Income category average of 3.57% by 3.63 pp. It ranked #45 of 54 in its category that year.

AIG India Treasury Fund-Retail Plan-Quarterly Dividend Option 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. AIG India Treasury Fund-Retail Plan-Quarterly Dividend Option 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: 2.5%. 5-year CAGR: 0.51%.

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