Should I invest in Sahara Gilt Fund?

We don't give personal investment advice. Sahara Gilt Fund-Growth 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: 0.0%. 5-year CAGR: 7.67%.

Sahara

Sahara Gilt Fund-Growth

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%	+0.01%	-0.01	46 / 67	Q3
1W	+0.10%	-10.06%	+10.16	36 / 69	Q3
2W	+0.23%	-9.67%	+9.90	27 / 73	Q2
1M	+0.53%	-9.89%	+10.42	14 / 72	Q1
3M	+1.63%	-12.90%	+14.53	15 / 76	Q1
6M	+3.36%	-12.24%	+15.60	22 / 76	Q2
YTD	+6.85%	-12.22%	+19.07	4 / 75	Q1
1Y	+7.25%	-10.28%	+17.53	14 / 75	Q1
2Y	+7.63%	-12.45%	+20.08	17 / 71	Q1
3Y	+7.77%	-16.88%	+24.64	14 / 70	Q1
4Y	+7.84%	-23.11%	+30.95	15 / 65	Q1
5Y	+7.67%	-27.10%	+34.77	14 / 60	Q1
7Y	+5.62%	-19.22%	+24.84	18 / 49	Q2
10Y	—	—	—	—	—
Inception	+7.93%	-18.29%	+26.22	6 / 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
2015 YTD	+6.85%	+0.91%	+5.95	8 / 36
2014	+8.06%	+5.14%	+2.92	23 / 43
2013	+7.94%	-3.23%	+11.17	3 / 48
2012	+7.99%	+5.57%	+2.42	23 / 55
2011	+7.07%	+2.07%	+5.00	10 / 59
2010	+4.36%	+0.75%	+3.61	12 / 68
2009	-8.70%	-6.22%	-2.48	36 / 65
2008	+36.75%	+7.61%	+29.14	1 / 63
2007	+5.18%	+1.73%	+3.45	27 / 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

+8.15%

107 windows

min -3.2% · max 34.0%

97% positive

3-Year rolling

+7.81%

82 windows

min 0.6% · max 10.5%

100% positive

5-Year rolling

+7.56%

58 windows

min 4.3% · max 8.6%

100% positive

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

7-Year rolling

+8.00%

34 windows

min 5.6% · max 8.4%

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

0.23%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.00%

Peak to trough

% positive months

100.0%

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
14 Dec 2015	₹24.4764
11 Dec 2015	₹24.4680
10 Dec 2015	₹24.4638
9 Dec 2015	₹24.4595
8 Dec 2015	₹24.4551
7 Dec 2015	₹24.4508
4 Dec 2015	₹24.4383
3 Dec 2015	₹24.4342
2 Dec 2015	₹24.4299
1 Dec 2015	₹24.4255

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.

Sahara Gilt Fund-Growth is a Gilt from Sahara (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.

Sahara Gilt Fund-Growth 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.

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

Over the trailing 1-year window, Sahara Gilt Fund-Growth has delivered a absolute return of 7.25% — +17.53 pp ahead of the Gilt category average of -10.28%. The fund ranks #14 of 75 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Sahara Gilt Fund-Growth has delivered a CAGR of 7.77% — +24.64 pp ahead of the Gilt category average of -16.88%. The fund ranks #14 of 70 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Sahara Gilt Fund-Growth has delivered a CAGR of 7.67% — +34.77 pp ahead of the Gilt category average of -27.10%. The fund ranks #14 of 60 in its category — the top (Q1) quartile.

₹1 lakh invested in Sahara Gilt Fund-Growth exactly 5 years ago would be worth approximately ₹144,668 today — a multiplier of 1.45×, based on the 5-year CAGR of 7.67%. The category average over the same window would have grown ₹1 lakh to ₹20,585.

A ₹10,000 monthly SIP in Sahara Gilt Fund-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹729,270 today. That's an XIRR (money-weighted annualised return) of 7.73%.

Sahara Gilt Fund-Growth doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,088,700 — XIRR 7.29%.

On a 5-year basis, Sahara Gilt Fund-Growth ranks #14 out of 60 funds in the Gilt category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -27.10%; this fund delivered 7.67%.

The worst peak-to-trough decline Sahara Gilt Fund-Growth has experienced over the last 5-year window is 0.00%. 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, Sahara Gilt Fund-Growth averaged 7.56% (best 8.61%, worst 4.26%). 100% of rolling windows ended positive.

In calendar year 2014, Sahara Gilt Fund-Growth returned 8.06% — beating the Gilt category average of 5.14% by 2.92 pp. It ranked #23 of 43 in its category that year.

Sahara Gilt Fund-Growth 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. Sahara Gilt Fund-Growth 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: 0.0%. 5-year CAGR: 7.67%.

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