Should I invest in Axis Gilt Fund - Half Yearly IDCW?

We don't give personal investment advice. Axis Gilt Fund - Regular Plan - Half Yearly IDCW 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: 9.5%. 5-year CAGR: 2.08%.

Axis

Axis Gilt Fund - Regular Plan - Half Yearly IDCW

Latest NAV

₹12.0962

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%	-0.21%	0.00	14 / 26	Q3
1W	-0.56%	-0.52%	-0.04	19 / 26	Q3
2W	-0.43%	-0.46%	+0.03	16 / 26	Q3
1M	+1.48%	+1.28%	+0.20	17 / 26	Q3
3M	+2.84%	+2.25%	+0.59	8 / 26	Q2
6M	+3.01%	+2.35%	+0.66	9 / 26	Q2
YTD	+2.54%	+1.93%	+0.61	6 / 25	Q1
1Y	+2.17%	+1.27%	+0.90	8 / 25	Q2
2Y	+4.53%	+3.07%	+1.46	9 / 23	Q2
3Y	+5.19%	+3.80%	+1.39	9 / 23	Q2
4Y	+4.34%	+4.34%	+0.00	15 / 22	Q3
5Y	+2.08%	+3.32%	-1.24	12 / 19	Q3
7Y	+0.99%	+2.66%	-1.67	12 / 19	Q3
10Y	+0.47%	+3.01%	-2.54	12 / 14	Q4
Inception	+1.40%	+3.08%	-1.68	17 / 26	Q3

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	+2.54%	+1.93%	+0.61	6 / 25
2025	+3.62%	+2.10%	+1.51	9 / 24
2024	+8.19%	+6.37%	+1.81	14 / 23
2023	+3.31%	+4.50%	-1.19	17 / 24
2022	-3.86%	+0.99%	-4.85	19 / 19
2021	-6.55%	-0.38%	-6.17	19 / 19
2020	+3.04%	+3.90%	-0.86	9 / 19
2019	+2.30%	+5.60%	-3.29	13 / 19
2018	-4.15%	+4.05%	-8.20	18 / 19
2017	-8.03%	-1.74%	-6.29	18 / 19
2016	+6.39%	+8.76%	-2.36	10 / 15

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

+1.27%

165 windows

min -10.1% · max 13.8%

62% positive

3-Year rolling

+0.84%

140 windows

min -3.7% · max 7.9%

54% positive

5-Year rolling

+0.22%

116 windows

min -3.0% · max 4.0%

59% positive

7-Year rolling

+0.19%

92 windows

min -2.4% · max 2.7%

60% 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

3.20%

3-year · annualised

Sharpe ratio

-0.42

vs risk-free 6.5%

Sortino ratio

-0.81

Downside-only deviation

Max drawdown

-3.63%

May 2025 → Apr 2026

% positive months

69.4%

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
SBI MGLT- GROWTH - PF (Regular) Option	SBI	₹43.9023	17 Jul 2026
Bandhan Gilt Fund - Regular - Plan B - Half Yearly IDCW	Bandhan	₹11.7111	17 Jul 2026
quant Gilt Fund - IDCW Option - Regular Plan	Quant	₹12.1483	17 Jul 2026
Kotak Gilt-Investment Regular-Dividend	Kotak Mahindra	₹19.0286	17 Jul 2026
Edelweiss Government Securities Fund - Regular Plan - Annual - IDCW Option	Edelweiss	₹25.0948	17 Jul 2026
HSBC Gilt Fund - Regular Quarterly IDCW	HSBC	₹10.2431	17 Jul 2026
Axis Gilt Fund - Regular Plan - Regular IDCW	Axis	₹10.1004	17 Jul 2026
Bajaj Finserv Gilt Fund - Regular - IDCW	Bajaj Finserv	₹1,063.8837	17 Jul 2026
Groww Gilt Fund - Regular - IDCW	Groww	₹9.8921	17 Jul 2026
LIC MF Govt Securities Fund-Regular Plan (D)	LIC	₹17.4277	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹12.0962
16 Jul 2026	₹12.1223
15 Jul 2026	₹12.1058
14 Jul 2026	₹12.0916
13 Jul 2026	₹12.1514
10 Jul 2026	₹12.1641
9 Jul 2026	₹12.1316
8 Jul 2026	₹12.1167
7 Jul 2026	₹12.1633
6 Jul 2026	₹12.1690

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 - Half Yearly IDCW is ₹12.0962. It's a Gilt Fund from Axis, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Axis Gilt Fund - Regular Plan - Half Yearly IDCW 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 - Half Yearly IDCW 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 - Half Yearly IDCW has delivered a absolute return of 2.17% — +0.9 pp ahead of the Gilt Fund category average of 1.27%. The fund ranks #8 of 25 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Axis Gilt Fund - Regular Plan - Half Yearly IDCW has delivered a CAGR of 5.19% — +1.39 pp ahead of the Gilt Fund category average of 3.80%. The fund ranks #9 of 23 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Axis Gilt Fund - Regular Plan - Half Yearly IDCW has delivered a CAGR of 2.08% — -1.24 pp behind the Gilt Fund category average of 3.32%. The fund ranks #12 of 19 in its category — the third (Q3) quartile.

₹1 lakh invested in Axis Gilt Fund - Regular Plan - Half Yearly IDCW exactly 10 years ago would be worth approximately ₹104,804 today — a multiplier of 1.05×, based on the 10-year CAGR of 0.47%. The category average over the same window would have grown ₹1 lakh to ₹134,535.

A ₹10,000 monthly SIP in Axis Gilt Fund - Regular Plan - Half Yearly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹665,713 today. That's an XIRR (money-weighted annualised return) of 4.11%.

A ₹10,000 monthly SIP for 10 years in Axis Gilt Fund - Regular Plan - Half Yearly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,313,697 (multiplier 1.09×). XIRR: 1.78%. 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 - Half Yearly IDCW ranks #12 out of 19 funds in the Gilt Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.32%; this fund delivered 2.08%.

The worst peak-to-trough decline Axis Gilt Fund - Regular Plan - Half Yearly IDCW has experienced over the last 5-year window is 9.47% — its NAV fell from a high on 22 Sep 2021 to a low on 10 Oct 2022. 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 - Half Yearly IDCW averaged 0.22% (best 4.03%, worst -3.02%). 59% of rolling windows ended positive. The 5-year Sharpe ratio is -1.00 — negative risk-adjusted performance.

In calendar year 2025, Axis Gilt Fund - Regular Plan - Half Yearly IDCW returned 3.62% — beating the Gilt Fund category average of 2.10% by 1.51 pp. It ranked #9 of 24 in its category that year.

Axis Gilt Fund - Regular Plan - Half Yearly IDCW 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 - Half Yearly IDCW 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: 9.5%. 5-year CAGR: 2.08%.

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