Should I invest in AIG India Treasury Fund?

We don't give personal investment advice. AIG India Treasury Fund-Institutional Plan-Growth 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+ 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: 3.1%. 5-year CAGR: 8.70%.

AIG Global Investment Group

AIG India Treasury Fund-Institutional Plan-Growth Option

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 2 Mar 2012. 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).

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	+0.01%	+6.99%	-6.98	121 / 763	Q1
1W	+0.12%	+6.38%	-6.26	162 / 722	Q1
2W	+0.96%	+6.63%	-5.67	44 / 725	Q1
1M	+2.16%	+6.29%	-4.12	41 / 752	Q1
3M	+6.13%	+7.87%	-1.73	21 / 728	Q1
6M	+9.69%	+9.67%	+0.02	17 / 642	Q1
YTD	+1.85%	+8.47%	-6.62	259 / 666	Q2
1Y	+13.90%	+13.70%	+0.20	8 / 591	Q1
2Y	+9.93%	-5.03%	+14.96	20 / 197	Q1
3Y	+9.66%	-3.09%	+12.75	8 / 140	Q1
4Y	+9.50%	+1.62%	+7.88	6 / 119	Q1
5Y	+8.70%	-0.16%	+8.86	6 / 102	Q1
7Y	+8.32%	+2.05%	+6.27	6 / 64	Q1
10Y	—	—	—	—	—
Inception	+8.34%	-3.28%	+11.62	233 / 797	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
2015 YTD	+1.85%	+2.23%	-0.37	28 / 65
2014	+12.02%	+2.77%	+9.25	6 / 82
2013	+6.77%	+1.77%	+5.00	22 / 101
2012	+9.17%	-0.30%	+9.47	23 / 113
2011	+8.83%	+1.75%	+7.08	27 / 109
2010	+5.30%	-0.95%	+6.25	22 / 165
2009	+5.92%	-0.31%	+6.23	111 / 482
2008	+9.16%	-5.54%	+14.70	29 / 250
2007	—	—	—	—

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

+7.63%

78 windows

min 3.0% · max 13.9%

100% positive

3-Year rolling

+7.63%

54 windows

min 6.7% · max 9.7%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+7.58%

29 windows

min 6.9% · max 8.7%

100% positive

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

7-Year rolling

+7.93%

5 windows

min 7.6% · max 8.3%

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

2.83%

3-year · annualised

Sharpe ratio

1.00

vs risk-free 6.5%

Sortino ratio

2.10

Downside-only deviation

Max drawdown

-3.10%

May 2013 → Jul 2013

% positive months

86.1%

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
28 Jan 2015	₹1,803.2428
27 Jan 2015	₹1,802.9809
23 Jan 2015	₹1,801.7325
22 Jan 2015	₹1,800.4200
21 Jan 2015	₹1,801.1611
20 Jan 2015	₹1,797.7075
19 Jan 2015	₹1,796.2484
16 Jan 2015	₹1,796.6551
15 Jan 2015	₹1,795.3821
14 Jan 2015	₹1,786.0112

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.

AIG India Treasury Fund-Institutional Plan-Growth Option is a Income from AIG Global Investment Group (Institutional plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

AIG India Treasury Fund-Institutional Plan-Growth Option has NAV history starting from 24 Sep 2007, a track record of about 18 years 8 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.

AIG India Treasury Fund-Institutional Plan-Growth Option is managed by AIG Global Investment Group. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, AIG India Treasury Fund-Institutional Plan-Growth Option has delivered a absolute return of 13.90% — +0.2 pp ahead of the Income category average of 13.70%. The fund ranks #8 of 591 in its category — the top (Q1) quartile.

Over the trailing 3-year window, AIG India Treasury Fund-Institutional Plan-Growth Option has delivered a CAGR of 9.66% — +12.75 pp ahead of the Income category average of -3.09%. The fund ranks #8 of 140 in its category — the top (Q1) quartile.

Over the trailing 5-year window, AIG India Treasury Fund-Institutional Plan-Growth Option has delivered a CAGR of 8.70% — +8.86 pp ahead of the Income category average of -0.16%. The fund ranks #6 of 102 in its category — the top (Q1) quartile.

₹1 lakh invested in AIG India Treasury Fund-Institutional Plan-Growth Option exactly 5 years ago would be worth approximately ₹151,764 today — a multiplier of 1.52×, based on the 5-year CAGR of 8.70%. The category average over the same window would have grown ₹1 lakh to ₹99,222.

A ₹10,000 monthly SIP in AIG India Treasury Fund-Institutional Plan-Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹767,030 today. That's an XIRR (money-weighted annualised return) of 9.74%.

AIG India Treasury Fund-Institutional Plan-Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,155,788 — XIRR 8.96%.

On a 5-year basis, AIG India Treasury Fund-Institutional Plan-Growth Option ranks #6 out of 102 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -0.16%; this fund delivered 8.70%.

The worst peak-to-trough decline AIG India Treasury Fund-Institutional Plan-Growth Option has experienced over the last 5-year window is 3.10% — its NAV fell from a high on 27 May 2013 to a low on 24 Jul 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, AIG India Treasury Fund-Institutional Plan-Growth Option averaged 7.58% (best 8.70%, worst 6.92%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.85 — reasonable risk-adjusted performance.

In calendar year 2014, AIG India Treasury Fund-Institutional Plan-Growth Option returned 12.02% — beating the Income category average of 2.77% by 9.25 pp. It ranked #6 of 82 in its category that year.

AIG India Treasury Fund-Institutional Plan-Growth 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. AIG India Treasury Fund-Institutional Plan-Growth 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: 3.1%. 5-year CAGR: 8.70%.

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