Should I invest in AIG India Treasury Fund?

We don't give personal investment advice. AIG India Treasury Fund-Retail 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: 8.38%.

AIG Global Investment Group

AIG India Treasury Fund-Retail 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%	-7.11%	+7.12	86 / 732	Q1
1W	+0.11%	-12.64%	+12.75	146 / 699	Q1
2W	+0.95%	-12.71%	+13.67	60 / 712	Q1
1M	+2.14%	-12.43%	+14.57	51 / 754	Q1
3M	+6.06%	-11.47%	+17.53	20 / 740	Q1
6M	+9.53%	-9.57%	+19.10	27 / 680	Q1
YTD	+1.83%	-9.94%	+11.77	258 / 704	Q2
1Y	+13.57%	-7.10%	+20.68	7 / 627	Q1
2Y	+9.61%	-7.27%	+16.88	12 / 143	Q1
3Y	+9.34%	-2.77%	+12.11	5 / 83	Q1
4Y	+9.17%	+0.17%	+9.00	1 / 70	Q1
5Y	+8.38%	+0.12%	+8.26	6 / 66	Q1
7Y	+7.99%	-0.98%	+8.97	6 / 52	Q1
10Y	—	—	—	—	—
Inception	+8.00%	-6.12%	+14.12	258 / 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	+1.83%	-1.44%	+3.27	19 / 56
2014	+11.70%	+4.04%	+7.66	3 / 46
2013	+6.46%	+2.99%	+3.48	15 / 51
2012	+8.84%	+3.57%	+5.27	13 / 54
2011	+8.50%	+2.03%	+6.47	15 / 66
2010	+4.98%	-4.87%	+9.85	22 / 143
2009	+5.57%	-9.70%	+15.27	151 / 552
2008	+8.79%	+2.86%	+5.92	34 / 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

+7.30%

78 windows

min 2.7% · max 13.6%

100% positive

3-Year rolling

+7.30%

54 windows

min 6.4% · max 9.3%

100% positive

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

5-Year rolling

+7.25%

29 windows

min 6.6% · max 8.4%

100% positive

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

7-Year rolling

+7.60%

5 windows

min 7.2% · max 8.0%

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

0.89

vs risk-free 6.5%

Sortino ratio

1.85

Downside-only deviation

Max drawdown

-3.14%

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	₹1,762.5721
27 Jan 2015	₹1,762.3310
23 Jan 2015	₹1,761.1688
22 Jan 2015	₹1,759.9010
21 Jan 2015	₹1,760.6388
20 Jan 2015	₹1,757.2770
19 Jan 2015	₹1,755.8637
16 Jan 2015	₹1,756.3023
15 Jan 2015	₹1,755.0705
14 Jan 2015	₹1,745.9229

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-Growth 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-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-Retail 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-Retail Plan-Growth Option has delivered a absolute return of 13.57% — +20.68 pp ahead of the Income category average of -7.10%. The fund ranks #7 of 627 in its category — the top (Q1) quartile.

Over the trailing 3-year window, AIG India Treasury Fund-Retail Plan-Growth Option has delivered a CAGR of 9.34% — +12.11 pp ahead of the Income category average of -2.77%. The fund ranks #5 of 83 in its category — the top (Q1) quartile.

Over the trailing 5-year window, AIG India Treasury Fund-Retail Plan-Growth Option has delivered a CAGR of 8.38% — +8.26 pp ahead of the Income category average of 0.12%. The fund ranks #6 of 66 in its category — the top (Q1) quartile.

₹1 lakh invested in AIG India Treasury Fund-Retail Plan-Growth Option exactly 5 years ago would be worth approximately ₹149,531 today — a multiplier of 1.50×, based on the 5-year CAGR of 8.38%. 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-Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹760,954 today. That's an XIRR (money-weighted annualised return) of 9.42%.

AIG India Treasury Fund-Retail 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 ₹1,142,541 — XIRR 8.63%.

On a 5-year basis, AIG India Treasury Fund-Retail Plan-Growth Option ranks #6 out of 66 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 0.12%; this fund delivered 8.38%.

The worst peak-to-trough decline AIG India Treasury Fund-Retail Plan-Growth Option has experienced over the last 5-year window is 3.14% — 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-Retail Plan-Growth Option averaged 7.25% (best 8.38%, worst 6.59%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.71 — reasonable risk-adjusted performance.

In calendar year 2014, AIG India Treasury Fund-Retail Plan-Growth Option returned 11.70% — beating the Income category average of 4.04% by 7.66 pp. It ranked #3 of 46 in its category that year.

AIG India Treasury Fund-Retail 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-Retail 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: 8.38%.

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