Should I invest in JM G-Sec - PF Plus?

We don't give personal investment advice. JM G-Sec - PF Plus-Dividend Plan 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.

JM Financial

JM G-Sec - PF Plus-Dividend Plan

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	-1.91%	+0.01%	-1.91	66 / 67	Q4
1W	-1.90%	-10.06%	+8.16	60 / 69	Q4
2W	-1.89%	-9.67%	+7.78	63 / 73	Q4
1M	-1.88%	-9.89%	+8.00	60 / 72	Q4
3M	-2.04%	-12.90%	+10.86	61 / 76	Q4
6M	-10.05%	-12.24%	+2.20	66 / 76	Q4
YTD	-10.05%	-12.22%	+2.17	65 / 75	Q4
1Y	-9.21%	-10.28%	+1.06	65 / 75	Q4
2Y	-4.78%	-12.45%	+7.67	59 / 71	Q4
3Y	-2.48%	-16.88%	+14.39	54 / 70	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-2.13%	-18.29%	+16.16	66 / 85	Q4

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	-10.05%	-6.22%	-3.82	47 / 65
2008	-1.05%	+7.61%	-8.67	57 / 63
2007	+1.88%	+1.73%	+0.15	39 / 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

-2.06%

28 windows

min -10.2% · max 2.8%

54% positive

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

3-Year rolling

-1.94%

4 windows

min -2.5% · max -1.6%

0% 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

6.80%

3-year · annualised

Sharpe ratio

-1.29

vs risk-free 6.5%

Sortino ratio

-1.59

Downside-only deviation

Max drawdown

-12.65%

Jan 2008 → Jul 2009

% positive months

52.8%

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 Jul 2009	₹10.0000
30 Jun 2009	₹10.1944
29 Jun 2009	₹10.1941
26 Jun 2009	₹10.1935
25 Jun 2009	₹10.1933
24 Jun 2009	₹10.1932
23 Jun 2009	₹10.1929
22 Jun 2009	₹10.1926
19 Jun 2009	₹10.1928
18 Jun 2009	₹10.1928

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.

JM G-Sec - PF Plus-Dividend Plan is a Gilt from JM Financial (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.

JM G-Sec - PF Plus-Dividend Plan 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.

JM G-Sec - PF Plus-Dividend Plan is managed by JM Financial. It's classified by AMFI under the 'Gilt' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, JM G-Sec - PF Plus-Dividend Plan has delivered a absolute return of -9.21% — +1.06 pp ahead of the Gilt category average of -10.28%. The fund ranks #65 of 75 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, JM G-Sec - PF Plus-Dividend Plan has delivered a CAGR of -2.48% — +14.39 pp ahead of the Gilt category average of -16.88%. The fund ranks #54 of 70 in its category — the bottom (Q4) quartile.

JM G-Sec - PF Plus-Dividend Plan 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 JM G-Sec - PF Plus-Dividend Plan exactly 3 years ago would be worth approximately ₹92,731 today — a multiplier of 0.93×, based on the 3-year CAGR of -2.48%. The category average over the same window would have grown ₹1 lakh to ₹57,435.

A ₹10,000 monthly SIP in JM G-Sec - PF Plus-Dividend Plan over the last 3 years — total invested ₹360,000 — would be worth ₹331,540 today. That's an XIRR (money-weighted annualised return) of -5.27%.

JM G-Sec - PF Plus-Dividend Plan doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹331,540 — XIRR -5.27%.

On a 3-year basis, JM G-Sec - PF Plus-Dividend Plan ranks #54 out of 70 funds in the Gilt category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is -16.88%; this fund delivered -2.48%.

The worst peak-to-trough decline JM G-Sec - PF Plus-Dividend Plan has experienced over the last 3-year window is 12.65% — its NAV fell from a high on 23 Jan 2008 to a low on 02 Jul 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, JM G-Sec - PF Plus-Dividend Plan averaged -1.94% (best -1.64%, worst -2.48%). 0% of rolling windows ended positive. The 3-year Sharpe ratio is -1.29 — negative risk-adjusted performance.

In calendar year 2008, JM G-Sec - PF Plus-Dividend Plan returned -1.05% — lagging the Gilt category average of 7.61% by 8.67 pp. It ranked #57 of 63 in its category that year.

JM G-Sec - PF Plus-Dividend Plan 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. JM G-Sec - PF Plus-Dividend Plan 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.