Should I invest in Axis Gilt Fund?

We don't give personal investment advice. Axis Gilt Fund - Regular 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: 5.96%.

Axis

Axis Gilt Fund - Regular Plan - Growth Option

Latest NAV

₹26.7254

As of

17 Jul 2026

3,500 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	-0.22%	-0.20%	-0.01	5 / 7	Q3
1W	-0.56%	-0.47%	-0.09	6 / 7	Q4
2W	-0.43%	-0.41%	-0.02	5 / 7	Q3
1M	+1.48%	+1.32%	+0.15	4 / 7	Q3
3M	+2.84%	+2.08%	+0.76	1 / 7	Q1
6M	+3.90%	+2.67%	+1.23	1 / 7	Q1
YTD	+3.43%	+1.99%	+1.44	1 / 7	Q1
1Y	+3.93%	+1.52%	+2.41	1 / 7	Q1
2Y	+6.35%	+4.71%	+1.64	1 / 5	Q1
3Y	+7.08%	+5.66%	+1.42	1 / 5	Q1
4Y	+7.04%	+6.15%	+0.89	1 / 3	Q2
5Y	+5.96%	+5.63%	+0.33	1 / 2	Q2
7Y	+6.42%	+6.17%	+0.24	1 / 2	Q2
10Y	+6.82%	+6.82%	+0.00	1 / 1	Q4
Inception	+7.11%	+4.65%	+2.45	1 / 7	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
2026 YTD	+3.43%	+1.99%	+1.44	1 / 7
2025	+5.41%	+3.82%	+1.59	1 / 6
2024	+10.16%	+9.02%	+1.15	1 / 5
2023	+6.89%	+6.20%	+0.69	1 / 5
2022	+2.37%	+2.45%	-0.07	2 / 2
2021	+2.39%	+3.25%	-0.86	2 / 2
2020	+12.67%	+12.93%	-0.26	2 / 2
2019	+12.16%	+11.59%	+0.57	1 / 2
2018	+5.14%	+5.93%	-0.79	2 / 2
2017	+0.19%	+1.93%	-1.74	2 / 2
2016	+13.57%	+13.57%	+0.00	1 / 1

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

+7.25%

165 windows

min -3.9% · max 17.2%

92% positive

3-Year rolling

+7.34%

140 windows

min 3.5% · max 12.8%

100% positive

5-Year rolling

+7.28%

116 windows

min 5.2% · max 9.2%

100% positive

7-Year rolling

+7.48%

92 windows

min 5.6% · max 9.6%

100% 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

3.03%

3-year · annualised

Sharpe ratio

0.15

vs risk-free 6.5%

Sortino ratio

0.35

Downside-only deviation

Max drawdown

-3.06%

May 2025 → Aug 2025

% positive months

72.2%

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
quant Gilt Fund - Growth Option - Regular Plan	Quant	₹12.1377	17 Jul 2026
Edelweiss Government Securities Fund - Regular Plan - Growth Option	Edelweiss	₹25.0839	17 Jul 2026
HSBC Gilt Fund - Regular Growth	HSBC	₹66.9934	17 Jul 2026
Bajaj Finserv Gilt Fund - Regular - Growth	Bajaj Finserv	₹1,063.8837	17 Jul 2026
Groww Gilt Fund - Regular - Growth	Groww	₹9.8919	17 Jul 2026
Union Gilt Fund - Regular Plan - Growth Option	Union	₹12.3053	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹26.7254
16 Jul 2026	₹26.7831
15 Jul 2026	₹26.7466
14 Jul 2026	₹26.7152
13 Jul 2026	₹26.8473
10 Jul 2026	₹26.8754
9 Jul 2026	₹26.8037
8 Jul 2026	₹26.7707
7 Jul 2026	₹26.8737
6 Jul 2026	₹26.8863

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 17 Jul 2026, the NAV of Axis Gilt Fund - Regular Plan - Growth Option is ₹26.7254. It's a Gilt Fund from Axis, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

Axis Gilt Fund - Regular Plan - Growth Option has NAV history starting from 27 Jan 2012, a track record of about 14 years 5 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Axis Gilt Fund - Regular Plan - Growth Option is managed by Axis. 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, Axis Gilt Fund - Regular Plan - Growth Option has delivered a absolute return of 3.93% — +2.41 pp ahead of the Gilt Fund category average of 1.52%. The fund ranks #1 of 7 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Axis Gilt Fund - Regular Plan - Growth Option has delivered a CAGR of 7.08% — +1.42 pp ahead of the Gilt Fund category average of 5.66%. The fund ranks #1 of 5 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Axis Gilt Fund - Regular Plan - Growth Option has delivered a CAGR of 5.96% — +0.33 pp ahead of the Gilt Fund category average of 5.63%. The fund ranks #1 of 2 in its category — the second (Q2) quartile.

₹1 lakh invested in Axis Gilt Fund - Regular Plan - Growth Option exactly 10 years ago would be worth approximately ₹193,396 today — a multiplier of 1.93×, based on the 10-year CAGR of 6.82%. The category average over the same window would have grown ₹1 lakh to ₹193,396.

A ₹10,000 monthly SIP in Axis Gilt Fund - Regular Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹708,714 today. That's an XIRR (money-weighted annualised return) of 6.59%.

A ₹10,000 monthly SIP for 10 years in Axis Gilt Fund - Regular Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,692,573 (multiplier 1.41×). XIRR: 6.69%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Axis Gilt Fund - Regular Plan - Growth Option ranks #1 out of 2 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 5.63%; this fund delivered 5.96%.

The worst peak-to-trough decline Axis Gilt Fund - Regular Plan - Growth Option has experienced over the last 5-year window is 3.06% — its NAV fell from a high on 28 May 2025 to a low on 26 Aug 2025. 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, Axis Gilt Fund - Regular Plan - Growth Option averaged 7.28% (best 9.16%, worst 5.24%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.24 — negative risk-adjusted performance.

In calendar year 2025, Axis Gilt Fund - Regular Plan - Growth Option returned 5.41% — beating the Gilt Fund category average of 3.82% by 1.59 pp. It ranked #1 of 6 in its category that year.

Axis Gilt Fund - Regular 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. Axis Gilt Fund - Regular 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: 5.96%.

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

Axis Gilt Fund - Regular Plan - Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Gilt Fund

Recent NAVs

Frequently asked questions

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