Should I invest in CANARA ROBECO GILT FUND?

We don't give personal investment advice. CANARA ROBECO GILT FUND - REGULAR PLAN - IDCW (Payout/Reinvestment) 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: 8.0%. 5-year CAGR: -0.15%.

Canara Robeco

CANARA ROBECO GILT FUND - REGULAR PLAN - IDCW (Payout/Reinvestment)

Latest NAV

₹14.7430

As of

24 Jul 2026

4,927 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	+0.04%	+0.08%	-0.04	42 / 50	Q4
1W	-0.09%	-0.07%	-0.03	25 / 50	Q2
2W	-0.19%	-0.34%	+0.16	24 / 50	Q2
1M	-2.19%	+0.23%	-2.42	49 / 50	Q4
3M	-0.67%	+1.90%	-2.57	47 / 49	Q4
6M	-0.47%	+2.05%	-2.52	43 / 48	Q4
YTD	-0.93%	+1.91%	-2.83	45 / 48	Q4
1Y	-3.94%	+1.99%	-5.93	46 / 48	Q4
2Y	-0.97%	+4.21%	-5.18	43 / 47	Q4
3Y	+0.19%	+4.88%	-4.69	40 / 46	Q4
4Y	+0.63%	+4.96%	-4.33	38 / 44	Q4
5Y	-0.15%	+4.06%	-4.21	37 / 42	Q4
7Y	-0.14%	+4.31%	-4.45	37 / 42	Q4
10Y	+0.47%	+4.74%	-4.27	36 / 42	Q4
Inception	+1.86%	+5.13%	-3.27	39 / 50	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	-0.93%	+2.04%	-2.97	32 / 35
2025	-1.30%	+3.16%	-4.46	36 / 37
2024	+3.49%	+7.11%	-3.62	29 / 37
2023	+1.13%	+5.56%	-4.42	32 / 37
2022	-2.39%	+1.37%	-3.76	33 / 37
2021	-0.87%	+1.03%	-1.91	30 / 37
2020	+3.53%	+8.25%	-4.72	32 / 37
2019	+3.70%	+8.56%	-4.85	31 / 37
2018	-1.30%	+3.47%	-4.77	45 / 47
2017	-4.19%	+0.07%	-4.26	42 / 47
2016	+11.17%	+11.27%	-0.10	29 / 46

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

+2.18%

236 windows

min -22.6% · max 33.1%

65% positive

3-Year rolling

+1.89%

211 windows

min -4.4% · max 7.5%

82% positive

5-Year rolling

+2.03%

187 windows

min -3.3% · max 5.6%

84% positive

7-Year rolling

+2.20%

163 windows

min -0.4% · max 5.3%

94% 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

4.65%

3-year · annualised

Sharpe ratio

-1.34

vs risk-free 6.5%

Sortino ratio

-1.80

Downside-only deviation

Max drawdown

-8.05%

May 2025 → Apr 2026

% positive months

61.1%

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.

Peers in Gilt Fund

Scheme	Fund house	NAV	As of
HDFC Gilt Fund - Growth Plan	HDFC	₹57.1929	24 Jul 2026
SBI GILT FUND - GROWTH - PF (Fixed Period - 3 Yrs) Option	SBI	₹41.0817	24 Jul 2026
ICICI Prudential Gilt Fund - Growth	ICICI Prudential	₹107.9276	24 Jul 2026
Franklin India Government Securities Fund - Growth	Franklin Templeton	₹61.4889	24 Jul 2026
Kotak Gilt-Investment Provident Fund and Trust-Growth	Kotak Mahindra	₹99.4019	24 Jul 2026
DSP Gilt Fund - Regular Plan - Growth	DSP BlackRock	₹98.6711	24 Jul 2026
Baroda BNP Paribas GILT FUND - Regular Plan - Growth Option	Baroda Pioneer	₹43.9131	24 Jul 2026
CANARA ROBECO GILT FUND - REGULAR PLAN - GROWTH OPTION	Canara Robeco	₹76.7608	24 Jul 2026
UTI - GILT FUND - Discontinued PF Plan - Growth Option	UTI	₹48.8721	24 Jul 2026
PGIM India Gilt Fund - Quarterly Dividend	PGIM India	₹13.0985	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹14.7430
23 Jul 2026	₹14.7374
22 Jul 2026	₹14.7498
21 Jul 2026	₹14.7560
20 Jul 2026	₹14.7591
17 Jul 2026	₹14.7567
16 Jul 2026	₹14.7613
15 Jul 2026	₹14.7487
14 Jul 2026	₹14.7338
13 Jul 2026	₹14.7646

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 24 Jul 2026, the NAV of CANARA ROBECO GILT FUND - REGULAR PLAN - IDCW (Payout/Reinvestment) is ₹14.7430. It's a Gilt Fund from Canara Robeco, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

CANARA ROBECO GILT FUND - REGULAR PLAN - IDCW (Payout/Reinvestment) has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 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.

CANARA ROBECO GILT FUND - REGULAR PLAN - IDCW (Payout/Reinvestment) is managed by Canara Robeco. 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, CANARA ROBECO GILT FUND - REGULAR PLAN - IDCW (Payout/Reinvestment) has delivered a absolute return of -3.94% — -5.93 pp behind the Gilt Fund category average of 1.99%. The fund ranks #46 of 48 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, CANARA ROBECO GILT FUND - REGULAR PLAN - IDCW (Payout/Reinvestment) has delivered a CAGR of 0.19% — -4.69 pp behind the Gilt Fund category average of 4.88%. The fund ranks #40 of 46 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, CANARA ROBECO GILT FUND - REGULAR PLAN - IDCW (Payout/Reinvestment) has delivered a CAGR of -0.15% — -4.21 pp behind the Gilt Fund category average of 4.06%. The fund ranks #37 of 42 in its category — the bottom (Q4) quartile.

₹1 lakh invested in CANARA ROBECO GILT FUND - REGULAR PLAN - IDCW (Payout/Reinvestment) exactly 10 years ago would be worth approximately ₹104,839 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 ₹158,967.

A ₹10,000 monthly SIP in CANARA ROBECO GILT FUND - REGULAR PLAN - IDCW (Payout/Reinvestment) over the last 5 years — total invested ₹600,000 — would be worth ₹591,676 today. That's an XIRR (money-weighted annualised return) of -0.55%.

A ₹10,000 monthly SIP for 10 years in CANARA ROBECO GILT FUND - REGULAR PLAN - IDCW (Payout/Reinvestment) = ₹1,200,000 invested. It would currently be worth ₹1,188,534 (multiplier 0.99×). XIRR: -0.19%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, CANARA ROBECO GILT FUND - REGULAR PLAN - IDCW (Payout/Reinvestment) ranks #37 out of 42 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 4.06%; this fund delivered -0.15%.

The worst peak-to-trough decline CANARA ROBECO GILT FUND - REGULAR PLAN - IDCW (Payout/Reinvestment) has experienced over the last 5-year window is 8.05% — its NAV fell from a high on 28 May 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, CANARA ROBECO GILT FUND - REGULAR PLAN - IDCW (Payout/Reinvestment) averaged 2.03% (best 5.60%, worst -3.34%). 84% of rolling windows ended positive. The 5-year Sharpe ratio is -1.57 — negative risk-adjusted performance.

In calendar year 2025, CANARA ROBECO GILT FUND - REGULAR PLAN - IDCW (Payout/Reinvestment) returned -1.30% — lagging the Gilt Fund category average of 3.16% by 4.46 pp. It ranked #36 of 37 in its category that year.

CANARA ROBECO GILT FUND - REGULAR PLAN - IDCW (Payout/Reinvestment) 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. CANARA ROBECO GILT FUND - REGULAR PLAN - IDCW (Payout/Reinvestment) 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: 8.0%. 5-year CAGR: -0.15%.

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