Should I invest in AIG India Treasury Fund-Daily Dividend Option?

We don't give personal investment advice. AIG India Treasury Fund-Retail Plan-Daily Dividend 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: 0.80%.

AIG Global Investment Group

AIG India Treasury Fund-Retail Plan-Daily Dividend 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	+0.00%	-7.11%	+7.11	135 / 732	Q1
1W	+0.00%	-12.64%	+12.64	221 / 699	Q2
2W	+0.00%	-12.71%	+12.71	233 / 712	Q2
1M	+0.36%	-12.43%	+12.79	217 / 754	Q2
3M	+2.75%	-11.47%	+14.22	92 / 740	Q1
6M	+2.96%	-9.57%	+12.52	289 / 680	Q2
YTD	+0.15%	-9.94%	+10.09	361 / 704	Q3
1Y	+3.99%	-7.10%	+11.10	318 / 627	Q3
2Y	+2.02%	-7.27%	+9.29	60 / 143	Q2
3Y	+1.34%	-2.77%	+4.11	37 / 83	Q2
4Y	+1.00%	+0.17%	+0.83	31 / 70	Q2
5Y	+0.80%	+0.12%	+0.68	32 / 66	Q2
7Y	+0.57%	-0.98%	+1.55	24 / 52	Q2
10Y	—	—	—	—	—
Inception	+0.55%	-6.12%	+6.66	360 / 770	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	+0.15%	-1.44%	+1.59	26 / 56
2014	+3.13%	+4.04%	-0.91	21 / 46
2013	+0.95%	+2.99%	-2.04	25 / 51
2012	+0.00%	+3.57%	-3.57	32 / 54
2011	+0.00%	+2.03%	-2.03	48 / 66
2010	+0.00%	-4.87%	+4.87	92 / 143
2009	+0.00%	-9.70%	+9.70	303 / 552
2008	-0.02%	+2.86%	-2.88	187 / 257
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

+0.26%

78 windows

min -1.3% · max 4.0%

55% positive

3-Year rolling

+0.14%

54 windows

min -0.4% · max 1.3%

59% positive

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

5-Year rolling

+0.15%

29 windows

min -0.3% · max 0.8%

86% positive

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

7-Year rolling

+0.35%

5 windows

min 0.1% · max 0.6%

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

2.17%

3-year · annualised

Sharpe ratio

-2.37

vs risk-free 6.5%

Sortino ratio

-3.65

Downside-only deviation

Max drawdown

-3.14%

May 2013 → Jul 2013

% positive months

33.3%

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	₹1,041.9353
27 Jan 2015	₹1,041.9353
23 Jan 2015	₹1,041.9353
22 Jan 2015	₹1,041.4987
21 Jan 2015	₹1,041.9353
20 Jan 2015	₹1,041.9353
19 Jan 2015	₹1,041.6751
16 Jan 2015	₹1,041.9353
15 Jan 2015	₹1,041.9353
14 Jan 2015	₹1,041.9353

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-Retail Plan-Daily Dividend Option is a Income from AIG Global Investment Group (Retail 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-Retail Plan-Daily Dividend 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-Retail Plan-Daily Dividend 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-Retail Plan-Daily Dividend Option has delivered a absolute return of 3.99% — +11.1 pp ahead of the Income category average of -7.10%. The fund ranks #318 of 627 in its category — the third (Q3) quartile.

Over the trailing 3-year window, AIG India Treasury Fund-Retail Plan-Daily Dividend Option has delivered a CAGR of 1.34% — +4.11 pp ahead of the Income category average of -2.77%. The fund ranks #37 of 83 in its category — the second (Q2) quartile.

Over the trailing 5-year window, AIG India Treasury Fund-Retail Plan-Daily Dividend Option has delivered a CAGR of 0.80% — +0.68 pp ahead of the Income category average of 0.12%. The fund ranks #32 of 66 in its category — the second (Q2) quartile.

₹1 lakh invested in AIG India Treasury Fund-Retail Plan-Daily Dividend Option exactly 5 years ago would be worth approximately ₹104,079 today — a multiplier of 1.04×, based on the 5-year CAGR of 0.80%. The category average over the same window would have grown ₹1 lakh to ₹100,600.

A ₹10,000 monthly SIP in AIG India Treasury Fund-Retail Plan-Daily Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹622,651 today. That's an XIRR (money-weighted annualised return) of 1.46%.

AIG India Treasury Fund-Retail Plan-Daily Dividend Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹872,456 — XIRR 1.07%.

On a 5-year basis, AIG India Treasury Fund-Retail Plan-Daily Dividend Option ranks #32 out of 66 funds in the Income category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 0.12%; this fund delivered 0.80%.

The worst peak-to-trough decline AIG India Treasury Fund-Retail Plan-Daily Dividend Option has experienced over the last 5-year window is 3.14% — its NAV fell from a high on 16 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-Retail Plan-Daily Dividend Option averaged 0.15% (best 0.80%, worst -0.27%). 86% of rolling windows ended positive. The 5-year Sharpe ratio is -3.36 — negative risk-adjusted performance.

In calendar year 2014, AIG India Treasury Fund-Retail Plan-Daily Dividend Option returned 3.13% — lagging the Income category average of 4.04% by 0.91 pp. It ranked #21 of 46 in its category that year.

AIG India Treasury Fund-Retail Plan-Daily Dividend 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-Retail Plan-Daily Dividend 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: 0.80%.

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