Should I invest in ING Gilt Fund Provident Fund - Dynamic Plan?

We don't give personal investment advice. ING Gilt Fund Provident Fund - Dynamic Plan-Growth Auto Income Payout 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: 14.2%. 5-year CAGR: 6.08%.

ING

ING Gilt Fund Provident Fund - Dynamic Plan-Growth Auto Income Payout 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	-0.46%	+0.01%	-0.46	62 / 67	Q4
1W	+0.17%	-10.06%	+10.23	17 / 69	Q1
2W	+0.38%	-9.67%	+10.06	13 / 73	Q1
1M	+1.03%	-9.89%	+10.92	4 / 72	Q1
3M	+2.22%	-12.90%	+15.13	5 / 76	Q1
6M	+5.65%	-12.24%	+17.89	2 / 76	Q1
YTD	+8.60%	-12.22%	+20.82	2 / 75	Q1
1Y	+7.89%	-10.28%	+18.17	7 / 75	Q1
2Y	+5.52%	-12.45%	+17.97	27 / 71	Q2
3Y	+7.11%	-16.88%	+23.98	19 / 70	Q2
4Y	+6.31%	-23.11%	+29.42	18 / 65	Q2
5Y	+6.08%	-27.10%	+33.18	18 / 60	Q2
7Y	+7.65%	-19.22%	+26.87	12 / 49	Q1
10Y	—	—	—	—	—
Inception	+7.14%	-18.29%	+25.43	12 / 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
2014 YTD	+8.60%	+5.14%	+3.46	22 / 43
2013	+0.12%	-3.23%	+3.35	26 / 48
2012	+8.12%	+5.57%	+2.55	22 / 55
2011	+6.34%	+2.07%	+4.28	15 / 59
2010	+4.40%	+0.75%	+3.65	11 / 68
2009	-1.57%	-6.22%	+4.65	20 / 65
2008	+24.44%	+7.61%	+16.83	9 / 63
2007	+5.89%	+1.73%	+4.16	22 / 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

+7.07%

92 windows

min -4.3% · max 19.0%

91% positive

3-Year rolling

+7.65%

68 windows

min 4.2% · max 10.0%

100% positive

5-Year rolling

+7.46%

44 windows

min 4.7% · max 10.0%

100% positive

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

7-Year rolling

+7.52%

19 windows

min 6.7% · max 8.8%

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

5.92%

3-year · annualised

Sharpe ratio

0.09

vs risk-free 6.5%

Sortino ratio

0.14

Downside-only deviation

Max drawdown

-14.18%

May 2013 → Aug 2013

% positive months

69.4%

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
9 Oct 2014	₹19.8028
8 Oct 2014	₹19.8936
7 Oct 2014	₹19.8241
1 Oct 2014	₹19.7686
30 Sep 2014	₹19.7100
29 Sep 2014	₹19.7341
26 Sep 2014	₹19.7891
25 Sep 2014	₹19.7269
24 Sep 2014	₹19.7251
23 Sep 2014	₹19.7315

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 Provident Fund - Dynamic Plan-Growth Auto Income Payout 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 Provident Fund - Dynamic Plan-Growth Auto Income Payout 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 Provident Fund - Dynamic Plan-Growth Auto Income Payout 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 Provident Fund - Dynamic Plan-Growth Auto Income Payout Option has delivered a absolute return of 7.89% — +18.17 pp ahead of the Gilt category average of -10.28%. The fund ranks #7 of 75 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ING Gilt Fund Provident Fund - Dynamic Plan-Growth Auto Income Payout Option has delivered a CAGR of 7.11% — +23.98 pp ahead of the Gilt category average of -16.88%. The fund ranks #19 of 70 in its category — the second (Q2) quartile.

Over the trailing 5-year window, ING Gilt Fund Provident Fund - Dynamic Plan-Growth Auto Income Payout Option has delivered a CAGR of 6.08% — +33.18 pp ahead of the Gilt category average of -27.10%. The fund ranks #18 of 60 in its category — the second (Q2) quartile.

₹1 lakh invested in ING Gilt Fund Provident Fund - Dynamic Plan-Growth Auto Income Payout Option exactly 5 years ago would be worth approximately ₹134,318 today — a multiplier of 1.34×, based on the 5-year CAGR of 6.08%. The category average over the same window would have grown ₹1 lakh to ₹20,585.

A ₹10,000 monthly SIP in ING Gilt Fund Provident Fund - Dynamic Plan-Growth Auto Income Payout Option over the last 5 years — total invested ₹600,000 — would be worth ₹700,673 today. That's an XIRR (money-weighted annualised return) of 6.13%.

ING Gilt Fund Provident Fund - Dynamic Plan-Growth Auto Income Payout Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,061,137 — XIRR 6.57%.

On a 5-year basis, ING Gilt Fund Provident Fund - Dynamic Plan-Growth Auto Income Payout Option ranks #18 out of 60 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 -27.10%; this fund delivered 6.08%.

The worst peak-to-trough decline ING Gilt Fund Provident Fund - Dynamic Plan-Growth Auto Income Payout Option has experienced over the last 5-year window is 14.18% — its NAV fell from a high on 27 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, ING Gilt Fund Provident Fund - Dynamic Plan-Growth Auto Income Payout Option averaged 7.46% (best 9.98%, worst 4.72%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.10 — negative risk-adjusted performance.

In calendar year 2013, ING Gilt Fund Provident Fund - Dynamic Plan-Growth Auto Income Payout Option returned 0.12% — beating the Gilt category average of -3.23% by 3.35 pp. It ranked #26 of 48 in its category that year.

ING Gilt Fund Provident Fund - Dynamic Plan-Growth Auto Income Payout 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 Provident Fund - Dynamic Plan-Growth Auto Income Payout 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: 14.2%. 5-year CAGR: 6.08%.

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