Should I invest in DWS Gilt Fund Regular Plan Growth Op?

We don't give personal investment advice. DWS Gilt Fund Regular Plan Growth Op 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: 11.4%. 5-year CAGR: 7.71%.

Deutsche

DWS Gilt Fund Regular Plan Growth Op

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%	-0.05%	+0.11	1 / 17	Q1
1W	+1.50%	+0.21%	+1.29	1 / 17	Q1
2W	+1.15%	+0.30%	+0.85	1 / 17	Q1
1M	+0.67%	+0.24%	+0.44	2 / 17	Q1
3M	+0.90%	+1.68%	-0.78	13 / 17	Q4
6M	+3.25%	+2.93%	+0.32	10 / 17	Q3
YTD	+0.68%	+3.53%	-2.85	12 / 17	Q3
1Y	+6.07%	+4.79%	+1.28	11 / 17	Q3
2Y	+11.42%	+3.77%	+7.65	1 / 17	Q1
3Y	+7.66%	+3.93%	+3.73	2 / 17	Q1
4Y	+8.07%	+5.32%	+2.74	2 / 12	Q1
5Y	+7.71%	+5.53%	+2.18	5 / 12	Q2
7Y	+6.11%	+5.35%	+0.76	6 / 11	Q3
10Y	—	—	—	—	—
Inception	+6.80%	+4.62%	+2.17	6 / 17	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
2016 YTD	+0.68%	+10.11%	-9.43	8 / 8
2015	+7.07%	+3.15%	+3.92	2 / 11
2014	+14.59%	+9.33%	+5.27	1 / 12
2013	+3.00%	+2.09%	+0.92	3 / 12
2012	+8.50%	+6.47%	+2.04	4 / 14
2011	+5.19%	+5.07%	+0.12	8 / 15
2010	+4.62%	+2.35%	+2.27	2 / 15
2009	-11.09%	-5.08%	-6.01	9 / 11
2008	—	—	—	—

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

+6.24%

78 windows

min -12.6% · max 16.9%

90% positive

3-Year rolling

+6.64%

53 windows

min 0.4% · max 9.1%

100% positive

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

5-Year rolling

+6.47%

29 windows

min 3.1% · max 8.1%

100% positive

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

7-Year rolling

+5.82%

5 windows

min 4.2% · max 7.1%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

5.39%

3-year · annualised

Sharpe ratio

0.21

vs risk-free 6.5%

Sortino ratio

0.30

Downside-only deviation

Max drawdown

-11.44%

May 2013 → Aug 2013

% positive months

80.6%

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
2 Mar 2016	₹16.1481
1 Mar 2016	₹16.1374
29 Feb 2016	₹16.0836
26 Feb 2016	₹15.9031
25 Feb 2016	₹15.8637
24 Feb 2016	₹15.9098
23 Feb 2016	₹15.9306
22 Feb 2016	₹15.9919
18 Feb 2016	₹15.9718
17 Feb 2016	₹15.9647

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.

DWS Gilt Fund Regular Plan Growth Op is a Gilt from Deutsche (Regular plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

DWS Gilt Fund Regular Plan Growth Op has NAV history starting from 03 Nov 2008, a track record of about 17 years 7 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.

DWS Gilt Fund Regular Plan Growth Op is managed by Deutsche. It's classified by AMFI under the 'Gilt' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, DWS Gilt Fund Regular Plan Growth Op has delivered a absolute return of 6.07% — +1.28 pp ahead of the Gilt category average of 4.79%. The fund ranks #11 of 17 in its category — the third (Q3) quartile.

Over the trailing 3-year window, DWS Gilt Fund Regular Plan Growth Op has delivered a CAGR of 7.66% — +3.73 pp ahead of the Gilt category average of 3.93%. The fund ranks #2 of 17 in its category — the top (Q1) quartile.

Over the trailing 5-year window, DWS Gilt Fund Regular Plan Growth Op has delivered a CAGR of 7.71% — +2.18 pp ahead of the Gilt category average of 5.53%. The fund ranks #5 of 12 in its category — the second (Q2) quartile.

₹1 lakh invested in DWS Gilt Fund Regular Plan Growth Op exactly 5 years ago would be worth approximately ₹144,975 today — a multiplier of 1.45×, based on the 5-year CAGR of 7.71%. The category average over the same window would have grown ₹1 lakh to ₹130,907.

A ₹10,000 monthly SIP in DWS Gilt Fund Regular Plan Growth Op over the last 5 years — total invested ₹600,000 — would be worth ₹740,713 today. That's an XIRR (money-weighted annualised return) of 8.35%.

DWS Gilt Fund Regular Plan Growth Op doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,103,679 — XIRR 7.67%.

On a 5-year basis, DWS Gilt Fund Regular Plan Growth Op ranks #5 out of 12 funds in the Gilt category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 5.53%; this fund delivered 7.71%.

The worst peak-to-trough decline DWS Gilt Fund Regular Plan Growth Op has experienced over the last 5-year window is 11.44% — its NAV fell from a high on 28 May 2013 to a low on 19 Aug 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, DWS Gilt Fund Regular Plan Growth Op averaged 6.47% (best 8.11%, worst 3.09%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.24 — weak risk-adjusted performance.

In calendar year 2015, DWS Gilt Fund Regular Plan Growth Op returned 7.07% — beating the Gilt category average of 3.15% by 3.92 pp. It ranked #2 of 11 in its category that year.

DWS Gilt Fund Regular Plan Growth Op 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. DWS Gilt Fund Regular Plan Growth Op 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: 11.4%. 5-year CAGR: 7.71%.

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