Should I invest in Axis Gilt Fund - Regular IDCW?

We don't give personal investment advice. Axis Gilt Fund - Regular Plan - Regular 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: 6.0%. 5-year CAGR: -0.09%.

Axis

Axis Gilt Fund - Regular Plan - Regular IDCW

Latest NAV

₹9.9980

As of

3 Jun 2026

3,469 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	+0.08%	+0.06%	+0.03	12 / 26	Q2
1W	+0.10%	+0.06%	+0.05	10 / 26	Q2
2W	+0.63%	+0.55%	+0.08	11 / 26	Q2
1M	+0.18%	+0.05%	+0.13	6 / 26	Q1
3M	-0.22%	-1.14%	+0.93	5 / 26	Q1
6M	+0.50%	-0.33%	+0.83	5 / 25	Q1
YTD	-0.07%	-0.73%	+0.67	8 / 25	Q2
1Y	-1.28%	-2.55%	+1.27	7 / 25	Q2
2Y	-0.68%	+2.01%	-2.69	19 / 23	Q4
3Y	-0.31%	+2.92%	-3.24	19 / 23	Q4
4Y	+0.24%	+3.75%	-3.50	17 / 20	Q4
5Y	-0.09%	+2.75%	-2.84	17 / 19	Q4
7Y	-0.29%	+2.73%	-3.02	17 / 19	Q4
10Y	-0.12%	+2.95%	-3.07	13 / 14	Q4
Inception	+0.08%	+2.75%	-2.66	22 / 26	Q4

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	-0.07%	-0.73%	+0.67	8 / 25
2025	-0.16%	+2.10%	-2.26	19 / 24
2024	-0.24%	+6.37%	-6.61	22 / 23
2023	+0.58%	+4.50%	-3.92	20 / 24
2022	+0.02%	+0.99%	-0.97	13 / 19
2021	-1.05%	-0.38%	-0.67	12 / 19
2020	-0.27%	+3.90%	-4.17	15 / 19
2019	-0.16%	+5.60%	-5.76	16 / 19
2018	+1.60%	+4.05%	-2.45	16 / 19
2017	-2.83%	-1.74%	-1.09	11 / 19
2016	+0.79%	+8.76%	-7.96	13 / 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

0.00%

163 windows

min -5.4% · max 8.0%

48% positive

3-Year rolling

+0.01%

139 windows

min -2.2% · max 3.6%

47% positive

5-Year rolling

-0.06%

115 windows

min -1.3% · max 1.2%

43% positive

7-Year rolling

-0.01%

90 windows

min -0.7% · max 0.7%

43% 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

3.50%

3-year · annualised

Sharpe ratio

-1.93

vs risk-free 6.5%

Sortino ratio

-2.85

Downside-only deviation

Max drawdown

-6.01%

Apr 2025 → Apr 2026

% positive months

47.2%

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
SBI MGLT- GROWTH - PF (Regular) Option	SBI	₹43.0318	3 Jun 2026
Bandhan Gilt Fund - Regular - Plan B - Half Yearly IDCW	Bandhan	₹11.3204	3 Jun 2026
quant Gilt Fund - IDCW Option - Regular Plan	Quant	₹11.8918	3 Jun 2026
Kotak Gilt-Investment Regular-Dividend	Kotak Mahindra	₹18.4955	3 Jun 2026
Edelweiss Government Securities Fund - Regular Plan - Annual - IDCW Option	Edelweiss	₹24.3641	3 Jun 2026
HSBC Gilt Fund - Regular Quarterly IDCW	HSBC	₹10.1535	3 Jun 2026
Axis Gilt Fund - Regular Plan - Half Yearly IDCW	Axis	₹11.7534	3 Jun 2026
Bajaj Finserv Gilt Fund - Regular - IDCW	Bajaj Finserv	₹1,032.1024	3 Jun 2026
Groww Gilt Fund - Regular - IDCW	Groww	₹9.7459	3 Jun 2026
LIC MF Govt Securities Fund-Regular Plan (D)	LIC	₹16.8824	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹9.9980
2 Jun 2026	₹10.0090
1 Jun 2026	₹10.0009
31 May 2026	₹10.0106
29 May 2026	₹10.0088
27 May 2026	₹10.0044
26 May 2026	₹9.9986
25 May 2026	₹9.9944
22 May 2026	₹9.9598
21 May 2026	₹9.9533

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 03 Jun 2026, the NAV of Axis Gilt Fund - Regular Plan - Regular IDCW is ₹9.9980. 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 - Regular IDCW has NAV history starting from 27 Jan 2012, a track record of about 14 years 4 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 - Regular 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 - Regular IDCW has delivered a absolute return of -1.28% — +1.27 pp ahead of the Gilt Fund category average of -2.55%. The fund ranks #7 of 25 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Axis Gilt Fund - Regular Plan - Regular IDCW has delivered a CAGR of -0.31% — -3.24 pp behind the Gilt Fund category average of 2.92%. The fund ranks #19 of 23 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Axis Gilt Fund - Regular Plan - Regular IDCW has delivered a CAGR of -0.09% — -2.84 pp behind the Gilt Fund category average of 2.75%. The fund ranks #17 of 19 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Axis Gilt Fund - Regular Plan - Regular IDCW exactly 10 years ago would be worth approximately ₹98,822 today — a multiplier of 0.99×, based on the 10-year CAGR of -0.12%. The category average over the same window would have grown ₹1 lakh to ₹133,732.

A ₹10,000 monthly SIP in Axis Gilt Fund - Regular Plan - Regular IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹598,260 today. That's an XIRR (money-weighted annualised return) of -0.11%.

A ₹10,000 monthly SIP for 10 years in Axis Gilt Fund - Regular Plan - Regular IDCW = ₹1,200,000 invested. It would currently be worth ₹1,192,298 (multiplier 0.99×). XIRR: -0.13%. 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 - Regular IDCW ranks #17 out of 19 funds in the Gilt Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 2.75%; this fund delivered -0.09%.

The worst peak-to-trough decline Axis Gilt Fund - Regular Plan - Regular IDCW has experienced over the last 5-year window is 6.01% — its NAV fell from a high on 23 Apr 2025 to a low on 02 Apr 2026. 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 - Regular IDCW averaged -0.06% (best 1.19%, worst -1.32%). 43% of rolling windows ended positive. The 5-year Sharpe ratio is -2.25 — negative risk-adjusted performance.

In calendar year 2025, Axis Gilt Fund - Regular Plan - Regular IDCW returned -0.16% — lagging the Gilt Fund category average of 2.10% by 2.26 pp. It ranked #19 of 24 in its category that year.

Axis Gilt Fund - Regular Plan - Regular 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 - Regular 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: 6.0%. 5-year CAGR: -0.09%.

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