Should I invest in ING Gilt Fund?

We don't give personal investment advice. ING Gilt Fund-Growth 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.

ING

ING Gilt Fund-Growth Option

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	+0.17%	+0.01%	+0.16	10 / 67	Q1
1W	+0.60%	-10.06%	+10.66	10 / 69	Q1
2W	+0.67%	-9.67%	+10.35	12 / 73	Q1
1M	+0.25%	-9.89%	+10.13	28 / 72	Q2
3M	-0.53%	-12.90%	+12.38	55 / 76	Q3
6M	+4.48%	-12.24%	+16.72	8 / 76	Q1
YTD	-2.22%	-12.22%	+10.00	57 / 75	Q4
1Y	+18.32%	-10.28%	+28.59	1 / 75	Q1
2Y	+12.30%	-12.45%	+24.75	3 / 71	Q1
3Y	+9.41%	-16.88%	+26.29	6 / 70	Q1
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+8.62%	-18.29%	+26.91	3 / 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
2009 YTD	-2.22%	-6.22%	+4.00	24 / 65
2008	+27.04%	+7.61%	+19.43	5 / 63
2007	+3.76%	+1.73%	+2.03	30 / 53
2006	—	—	—	—

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

+9.65%

31 windows

min 3.8% · max 21.8%

100% positive

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

3-Year rolling

+9.73%

6 windows

min 9.4% · max 10.0%

100% positive

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

5-Year rolling

—

Insufficient history

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

10.22%

3-year · annualised

Sharpe ratio

0.29

vs risk-free 6.5%

Sortino ratio

1.52

Downside-only deviation

Max drawdown

-13.56%

Jan 2009 → Mar 2009

% positive months

75.0%

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
18 Sep 2009	₹15.6353
17 Sep 2009	₹15.6092
16 Sep 2009	₹15.6447
15 Sep 2009	₹15.6404
14 Sep 2009	₹15.5803
11 Sep 2009	₹15.5417
10 Sep 2009	₹15.5298
9 Sep 2009	₹15.5636
8 Sep 2009	₹15.5550
7 Sep 2009	₹15.6026

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.

ING Gilt Fund-Growth Option is a Gilt from ING (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.

ING Gilt Fund-Growth Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 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.

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

Over the trailing 1-year window, ING Gilt Fund-Growth Option has delivered a absolute return of 18.32% — +28.59 pp ahead of the Gilt category average of -10.28%. The fund ranks #1 of 75 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ING Gilt Fund-Growth Option has delivered a CAGR of 9.41% — +26.29 pp ahead of the Gilt category average of -16.88%. The fund ranks #6 of 70 in its category — the top (Q1) quartile.

ING Gilt Fund-Growth Option doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in ING Gilt Fund-Growth Option exactly 3 years ago would be worth approximately ₹130,983 today — a multiplier of 1.31×, based on the 3-year CAGR of 9.41%. The category average over the same window would have grown ₹1 lakh to ₹57,435.

A ₹10,000 monthly SIP in ING Gilt Fund-Growth Option over the last 3 years — total invested ₹360,000 — would be worth ₹427,330 today. That's an XIRR (money-weighted annualised return) of 11.42%.

ING Gilt Fund-Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹427,330 — XIRR 11.42%.

On a 3-year basis, ING Gilt Fund-Growth Option ranks #6 out of 70 funds in the Gilt category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -16.88%; this fund delivered 9.41%.

The worst peak-to-trough decline ING Gilt Fund-Growth Option has experienced over the last 3-year window is 13.56% — its NAV fell from a high on 02 Jan 2009 to a low on 12 Mar 2009. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, ING Gilt Fund-Growth Option averaged 9.73% (best 10.02%, worst 9.41%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.29 — weak risk-adjusted performance.

In calendar year 2008, ING Gilt Fund-Growth Option returned 27.04% — beating the Gilt category average of 7.61% by 19.43 pp. It ranked #5 of 63 in its category that year.

ING Gilt Fund-Growth 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. ING Gilt Fund-Growth 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.

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