Should I invest in Principal Gilt Fund-Savings?

We don't give personal investment advice. Principal Gilt Fund-Savings-Dividend 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.

PRINCIPAL

Principal Gilt Fund-Savings-Dividend

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	+4.04%	+0.01%	+4.04	1 / 67	Q1
1W	+4.06%	-10.06%	+14.12	1 / 69	Q1
2W	+4.09%	-9.67%	+13.76	1 / 73	Q1
1M	+3.19%	-9.89%	+13.08	1 / 72	Q1
3M	+3.72%	-12.90%	+16.62	3 / 76	Q1
6M	+3.36%	-12.24%	+15.60	23 / 76	Q2
YTD	+3.40%	-12.22%	+15.62	20 / 75	Q2
1Y	+4.71%	-10.28%	+14.99	29 / 75	Q2
2Y	+3.49%	-12.45%	+15.93	31 / 71	Q2
3Y	+3.09%	-16.88%	+19.97	31 / 70	Q2
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+2.88%	-18.29%	+21.17	41 / 85	Q2

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	+3.40%	-6.22%	+9.62	4 / 65
2008	+2.62%	+7.61%	-4.99	49 / 63
2007	+0.20%	+1.73%	-1.53	45 / 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

+1.84%

28 windows

min -0.1% · max 4.7%

93% positive

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

3-Year rolling

+2.16%

4 windows

min 1.8% · max 3.1%

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

2.58%

3-year · annualised

Sharpe ratio

-1.32

vs risk-free 6.5%

Sortino ratio

-3.17

Downside-only deviation

Max drawdown

-1.51%

Dec 2008 → Jun 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
10 Jul 2009	₹11.0000
9 Jul 2009	₹10.5724
8 Jul 2009	₹10.5719
7 Jul 2009	₹10.5713
6 Jul 2009	₹10.5708
3 Jul 2009	₹10.5706
2 Jul 2009	₹10.5708
30 Jun 2009	₹10.5703
29 Jun 2009	₹10.5697
26 Jun 2009	₹10.5681

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.

Principal Gilt Fund-Savings-Dividend is a Gilt from PRINCIPAL (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.

Principal Gilt Fund-Savings-Dividend 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.

Principal Gilt Fund-Savings-Dividend is managed by PRINCIPAL. It's classified by AMFI under the 'Gilt' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Principal Gilt Fund-Savings-Dividend has delivered a absolute return of 4.71% — +14.99 pp ahead of the Gilt category average of -10.28%. The fund ranks #29 of 75 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Principal Gilt Fund-Savings-Dividend has delivered a CAGR of 3.09% — +19.97 pp ahead of the Gilt category average of -16.88%. The fund ranks #31 of 70 in its category — the second (Q2) quartile.

Principal Gilt Fund-Savings-Dividend 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 Principal Gilt Fund-Savings-Dividend exactly 3 years ago would be worth approximately ₹109,575 today — a multiplier of 1.10×, based on the 3-year CAGR of 3.09%. The category average over the same window would have grown ₹1 lakh to ₹57,435.

A ₹10,000 monthly SIP in Principal Gilt Fund-Savings-Dividend over the last 3 years — total invested ₹360,000 — would be worth ₹379,636 today. That's an XIRR (money-weighted annualised return) of 3.48%.

Principal Gilt Fund-Savings-Dividend doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹379,636 — XIRR 3.48%.

On a 3-year basis, Principal Gilt Fund-Savings-Dividend ranks #31 out of 70 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 -16.88%; this fund delivered 3.09%.

The worst peak-to-trough decline Principal Gilt Fund-Savings-Dividend has experienced over the last 3-year window is 1.51% — its NAV fell from a high on 24 Dec 2008 to a low on 25 Jun 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, Principal Gilt Fund-Savings-Dividend averaged 2.16% (best 3.09%, worst 1.80%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -1.32 — negative risk-adjusted performance.

In calendar year 2008, Principal Gilt Fund-Savings-Dividend returned 2.62% — lagging the Gilt category average of 7.61% by 4.99 pp. It ranked #49 of 63 in its category that year.

Principal Gilt Fund-Savings-Dividend 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. Principal Gilt Fund-Savings-Dividend 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.