Should I invest in IDFC GSF-Provident Fund?

We don't give personal investment advice. IDFC GSF-Provident Fund-Growth 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: 7.4%. 5-year CAGR: 8.40%.

IDFC

IDFC GSF-Provident Fund-Growth

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

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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	-0.04%	+0.01%	-0.05	52 / 67	Q4
1W	+0.10%	-10.06%	+10.16	38 / 69	Q3
2W	-0.11%	-9.67%	+9.56	46 / 73	Q3
1M	-1.25%	-9.89%	+8.63	56 / 72	Q4
3M	+1.57%	-12.90%	+14.47	18 / 76	Q1
6M	-1.53%	-12.24%	+10.72	55 / 76	Q3
YTD	+0.19%	-12.22%	+12.41	42 / 75	Q3
1Y	+1.93%	-10.28%	+12.20	41 / 75	Q3
2Y	+7.57%	-12.45%	+20.02	18 / 71	Q2
3Y	+7.37%	-16.88%	+24.24	18 / 70	Q2
4Y	+9.50%	-23.11%	+32.61	8 / 65	Q1
5Y	+8.40%	-27.10%	+35.50	10 / 60	Q1
7Y	+9.79%	-19.22%	+29.01	2 / 49	Q1
10Y	+9.11%	-13.58%	+22.69	2 / 23	Q1
Inception	+9.18%	-18.29%	+27.47	2 / 85	Q1

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
2018 YTD	+0.19%	-31.22%	+31.41	4 / 13
2017	+3.31%	-1.07%	+4.39	5 / 23
2016	+14.57%	+8.41%	+6.16	5 / 27
2015	+7.00%	+0.91%	+6.09	5 / 36
2014	+17.23%	+5.14%	+12.09	11 / 43
2013	+5.64%	-3.23%	+8.88	10 / 48
2012	+11.98%	+5.57%	+6.41	2 / 55
2011	+9.59%	+2.07%	+7.52	2 / 59
2010	+3.95%	+0.75%	+3.21	17 / 68
2009	-8.23%	-6.22%	-2.01	33 / 65
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

+9.32%

109 windows

min -5.0% · max 20.1%

98% positive

3-Year rolling

+9.65%

85 windows

min 2.0% · max 13.3%

100% positive

5-Year rolling

+9.81%

61 windows

min 5.2% · max 12.0%

100% positive

7-Year rolling

+9.67%

36 windows

min 7.2% · max 10.8%

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

5.20%

3-year · annualised

Sharpe ratio

0.15

vs risk-free 6.5%

Sortino ratio

0.36

Downside-only deviation

Max drawdown

-4.34%

Sep 2017 → Feb 2018

% positive months

63.9%

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
4 May 2018	₹29.8025
3 May 2018	₹29.8153
2 May 2018	₹29.8123
27 Apr 2018	₹29.7724
26 Apr 2018	₹29.7722
25 Apr 2018	₹29.7884
24 Apr 2018	₹29.8356
23 Apr 2018	₹29.8138
20 Apr 2018	₹29.8365
19 Apr 2018	₹29.9327

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.

IDFC GSF-Provident Fund-Growth is a Gilt from IDFC (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

IDFC GSF-Provident Fund-Growth has NAV history starting from 02 Jun 2008, a track record of about 18 years. 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.

IDFC GSF-Provident Fund-Growth is managed by IDFC. It's classified by AMFI under the 'Gilt' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, IDFC GSF-Provident Fund-Growth has delivered a absolute return of 1.93% — +12.2 pp ahead of the Gilt category average of -10.28%. The fund ranks #41 of 75 in its category — the third (Q3) quartile.

Over the trailing 3-year window, IDFC GSF-Provident Fund-Growth has delivered a CAGR of 7.37% — +24.24 pp ahead of the Gilt category average of -16.88%. The fund ranks #18 of 70 in its category — the second (Q2) quartile.

Over the trailing 5-year window, IDFC GSF-Provident Fund-Growth has delivered a CAGR of 8.40% — +35.5 pp ahead of the Gilt category average of -27.10%. The fund ranks #10 of 60 in its category — the top (Q1) quartile.

₹1 lakh invested in IDFC GSF-Provident Fund-Growth exactly 10 years ago would be worth approximately ₹239,136 today — a multiplier of 2.39×, based on the 10-year CAGR of 9.11%. The category average over the same window would have grown ₹1 lakh to ₹23,230.

A ₹10,000 monthly SIP in IDFC GSF-Provident Fund-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹731,748 today. That's an XIRR (money-weighted annualised return) of 7.87%.

IDFC GSF-Provident Fund-Growth doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,146,017 — XIRR 8.73%.

On a 5-year basis, IDFC GSF-Provident Fund-Growth ranks #10 out of 60 funds in the Gilt category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -27.10%; this fund delivered 8.40%.

The worst peak-to-trough decline IDFC GSF-Provident Fund-Growth has experienced over the last 5-year window is 7.42% — its NAV fell from a high on 04 Jun 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, IDFC GSF-Provident Fund-Growth averaged 9.81% (best 11.98%, worst 5.20%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.34 — weak risk-adjusted performance.

In calendar year 2017, IDFC GSF-Provident Fund-Growth returned 3.31% — beating the Gilt category average of -1.07% by 4.39 pp. It ranked #5 of 23 in its category that year.

IDFC GSF-Provident Fund-Growth 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. IDFC GSF-Provident Fund-Growth 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: 7.4%. 5-year CAGR: 8.40%.

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

IDFC GSF-Provident Fund-Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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