ING

ING Gilt Fund Provident Fund - Dynamic Plan-Yearly Dividend 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	64 / 67	Q4
1W	+0.17%	-10.06%	+10.23	19 / 69	Q2
2W	+0.38%	-9.67%	+10.06	14 / 73	Q1
1M	+1.03%	-9.89%	+10.92	5 / 72	Q1
3M	+2.22%	-12.90%	+15.13	4 / 76	Q1
6M	+5.65%	-12.24%	+17.89	3 / 76	Q1
YTD	+6.62%	-12.22%	+18.85	6 / 75	Q1
1Y	+5.93%	-10.28%	+16.20	26 / 75	Q2
2Y	+0.58%	-12.45%	+13.02	43 / 71	Q3
3Y	+1.86%	-16.88%	+18.73	38 / 70	Q3
4Y	+1.02%	-23.11%	+24.13	33 / 65	Q3
5Y	+0.66%	-27.10%	+27.77	31 / 60	Q3
7Y	+1.13%	-19.22%	+20.35	26 / 49	Q3
10Y	—	—	—	—	—
Inception	+1.37%	-18.29%	+19.66	47 / 85	Q3

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	+6.62%	+5.14%	+1.49	27 / 43
2013	-7.36%	-3.23%	-4.13	43 / 48
2012	+2.36%	+5.57%	-3.21	39 / 55
2011	+0.84%	+2.07%	-1.23	46 / 59
2010	-1.50%	+0.75%	-2.24	60 / 68
2009	-9.92%	-6.22%	-3.70	44 / 65
2008	+14.09%	+7.61%	+6.48	30 / 63
2007	+2.37%	+1.73%	+0.65	35 / 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

+0.76%

92 windows

min -12.4% · max 8.9%

53% positive

3-Year rolling

+0.94%

68 windows

min -2.4% · max 3.4%

74% positive

5-Year rolling

+0.82%

44 windows

min -2.0% · max 2.9%

86% positive

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

7-Year rolling

+0.87%

19 windows

min 0.1% · max 2.0%

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

8.42%

3-year · annualised

Sharpe ratio

-0.51

vs risk-free 6.5%

Sortino ratio

-0.62

Downside-only deviation

Max drawdown

-15.86%

Mar 2013 → Aug 2013

% 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
9 Oct 2014	₹11.3776
8 Oct 2014	₹11.4298
7 Oct 2014	₹11.3899
1 Oct 2014	₹11.3580
30 Sep 2014	₹11.3243
29 Sep 2014	₹11.3381
26 Sep 2014	₹11.3697
25 Sep 2014	₹11.3340
24 Sep 2014	₹11.3329
23 Sep 2014	₹11.3367

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-Yearly Dividend 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-Yearly Dividend 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-Yearly Dividend 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-Yearly Dividend Option has delivered a absolute return of 5.93% — +16.2 pp ahead of the Gilt category average of -10.28%. The fund ranks #26 of 75 in its category — the second (Q2) quartile.

Over the trailing 3-year window, ING Gilt Fund Provident Fund - Dynamic Plan-Yearly Dividend Option has delivered a CAGR of 1.86% — +18.73 pp ahead of the Gilt category average of -16.88%. The fund ranks #38 of 70 in its category — the third (Q3) quartile.

Over the trailing 5-year window, ING Gilt Fund Provident Fund - Dynamic Plan-Yearly Dividend Option has delivered a CAGR of 0.66% — +27.77 pp ahead of the Gilt category average of -27.10%. The fund ranks #31 of 60 in its category — the third (Q3) quartile.

₹1 lakh invested in ING Gilt Fund Provident Fund - Dynamic Plan-Yearly Dividend Option exactly 5 years ago would be worth approximately ₹103,357 today — a multiplier of 1.03×, based on the 5-year CAGR of 0.66%. 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-Yearly Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹619,064 today. That's an XIRR (money-weighted annualised return) of 1.23%.

ING Gilt Fund Provident Fund - Dynamic Plan-Yearly Dividend Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹872,451 — XIRR 1.07%.

On a 5-year basis, ING Gilt Fund Provident Fund - Dynamic Plan-Yearly Dividend Option ranks #31 out of 60 funds in the Gilt category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -27.10%; this fund delivered 0.66%.

The worst peak-to-trough decline ING Gilt Fund Provident Fund - Dynamic Plan-Yearly Dividend Option has experienced over the last 5-year window is 15.86% — its NAV fell from a high on 11 Mar 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-Yearly Dividend Option averaged 0.82% (best 2.91%, worst -2.01%). 86% of rolling windows ended positive. The 5-year Sharpe ratio is -0.75 — negative risk-adjusted performance.

In calendar year 2013, ING Gilt Fund Provident Fund - Dynamic Plan-Yearly Dividend Option returned -7.36% — lagging the Gilt category average of -3.23% by 4.13 pp. It ranked #43 of 48 in its category that year.

ING Gilt Fund Provident Fund - Dynamic Plan-Yearly 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. ING Gilt Fund Provident Fund - Dynamic Plan-Yearly 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: 15.9%. 5-year CAGR: 0.66%.

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