Religare

Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 22 Apr 2013. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

Latest NAV

₹1,295.8820

As of

8 Jun 2026

4,412 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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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	+0.00%	+0.00%	+0.00	8 / 26	Q2
1W	+0.75%	+0.63%	+0.12	11 / 26	Q2
2W	+0.77%	+0.63%	+0.14	5 / 26	Q1
1M	+0.08%	+0.24%	-0.16	19 / 26	Q3
3M	+0.37%	-0.06%	+0.43	6 / 26	Q1
6M	+0.38%	+0.12%	+0.26	10 / 25	Q2
YTD	-0.30%	-0.18%	-0.12	10 / 25	Q2
1Y	-0.12%	-0.77%	+0.65	9 / 25	Q2
2Y	+4.23%	+2.48%	+1.75	4 / 23	Q1
3Y	+5.50%	+3.18%	+2.33	3 / 23	Q1
4Y	+5.75%	+3.89%	+1.85	5 / 20	Q1
5Y	+4.37%	+2.82%	+1.56	7 / 19	Q2
7Y	+2.31%	+2.81%	-0.49	10 / 19	Q3
10Y	+1.93%	+3.00%	-1.07	8 / 14	Q3
Inception	+1.40%	+2.83%	-1.42	16 / 26	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
2026 YTD	-0.30%	-0.18%	-0.12	10 / 25
2025	+4.41%	+2.10%	+2.31	3 / 24
2024	+10.18%	+6.37%	+3.80	2 / 23
2023	+6.36%	+4.50%	+1.86	8 / 24
2022	+2.35%	+0.99%	+1.36	8 / 19
2021	-2.51%	-0.38%	-2.13	16 / 19
2020	-1.51%	+3.90%	-5.41	17 / 19
2019	+0.27%	+5.60%	-5.33	15 / 19
2018	+6.18%	+4.05%	+2.13	11 / 19
2017	-4.98%	-1.74%	-3.24	15 / 19
2016	+2.01%	+8.76%	-6.74	12 / 15

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

+1.67%

212 windows

min -11.7% · max 13.8%

62% positive

3-Year rolling

+1.48%

187 windows

min -4.1% · max 8.2%

70% positive

5-Year rolling

+1.08%

163 windows

min -2.1% · max 4.5%

78% positive

7-Year rolling

+1.10%

139 windows

min -0.9% · max 4.0%

90% positive

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

2.93%

3-year · annualised

Sharpe ratio

-0.37

vs risk-free 6.5%

Sortino ratio

-1.22

Downside-only deviation

Max drawdown

-4.71%

May 2025 → Apr 2026

% 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.

Peers in Gilt Fund

Scheme	Fund house	NAV	As of
SBI MGLT- GROWTH - PF (Regular) Option	SBI	₹43.2299	8 Jun 2026
Bandhan Gilt Fund - Regular - Plan B - Half Yearly IDCW	Bandhan	₹11.4081	8 Jun 2026
quant Gilt Fund - IDCW Option - Regular Plan	Quant	₹11.9406	8 Jun 2026
Kotak Gilt-Investment Regular-Dividend	Kotak Mahindra	₹18.5715	8 Jun 2026
Edelweiss Government Securities Fund - Regular Plan - Annual - IDCW Option	Edelweiss	₹24.5010	8 Jun 2026
HSBC Gilt Fund - Regular Quarterly IDCW	HSBC	₹10.2203	8 Jun 2026
Axis Gilt Fund - Regular Plan - Half Yearly IDCW	Axis	₹11.8261	8 Jun 2026
Bajaj Finserv Gilt Fund - Regular - IDCW	Bajaj Finserv	₹1,037.9493	8 Jun 2026
Groww Gilt Fund - Regular - IDCW	Groww	₹9.7772	8 Jun 2026
LIC MF Govt Securities Fund-Regular Plan (D)	LIC	₹17.0073	8 Jun 2026

Recent NAVs

Date	NAV
8 Jun 2026	₹1,295.8820
5 Jun 2026	₹1,293.4878
4 Jun 2026	₹1,287.6012
3 Jun 2026	₹1,284.8105
2 Jun 2026	₹1,287.3050
1 Jun 2026	₹1,286.2813
29 May 2026	₹1,286.3952
27 May 2026	₹1,286.0441
26 May 2026	₹1,285.8303
25 May 2026	₹1,286.0109

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.

As of 08 Jun 2026, the NAV of Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend is ₹1,295.8820. It's a Gilt Fund from Religare, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend has NAV history starting from 11 Feb 2008, a track record of about 18 years 3 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.

Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend is managed by Religare. It's classified by AMFI under the 'Gilt Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend has delivered a absolute return of -0.12% — +0.65 pp ahead of the Gilt Fund category average of -0.77%. The fund ranks #9 of 25 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend has delivered a CAGR of 5.50% — +2.33 pp ahead of the Gilt Fund category average of 3.18%. The fund ranks #3 of 23 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend has delivered a CAGR of 4.37% — +1.56 pp ahead of the Gilt Fund category average of 2.82%. The fund ranks #7 of 19 in its category — the second (Q2) quartile.

₹1 lakh invested in Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend exactly 10 years ago would be worth approximately ₹121,084 today — a multiplier of 1.21×, based on the 10-year CAGR of 1.93%. The category average over the same window would have grown ₹1 lakh to ₹134,428.

A ₹10,000 monthly SIP in Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹680,214 today. That's an XIRR (money-weighted annualised return) of 4.96%.

A ₹10,000 monthly SIP for 10 years in Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,411,422 (multiplier 1.18×). XIRR: 3.19%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend ranks #7 out of 19 funds in the Gilt Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 2.82%; this fund delivered 4.37%.

The worst peak-to-trough decline Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend has experienced over the last 5-year window is 4.71% — its NAV fell from a high on 28 May 2025 to a low on 02 Apr 2026. 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, Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend averaged 1.08% (best 4.50%, worst -2.15%). 78% of rolling windows ended positive. The 5-year Sharpe ratio is -0.76 — negative risk-adjusted performance.

In calendar year 2025, Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend returned 4.41% — beating the Gilt Fund category average of 2.10% by 2.31 pp. It ranked #3 of 24 in its category that year.

Religare GILT Fund - Long Duration Plan - Regular - Quarterly 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. Religare GILT Fund - Long Duration Plan - Regular - Quarterly 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. Worst 5-year drawdown: 4.7%. 5-year CAGR: 4.37%.

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