Should I invest in Canara Robeco Gilt PGS-Income Plan?

We don't give personal investment advice. Canara Robeco Gilt PGS-Income Plan 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: -0.42%.

Canara Robeco

Canara Robeco Gilt PGS-Income Plan

Latest NAV

₹14.8800

As of

3 Jun 2026

4,891 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	+0.07%	+0.05%	+0.02	24 / 50	Q2
1W	+0.13%	+0.10%	+0.03	19 / 50	Q2
2W	+0.51%	+0.33%	+0.19	19 / 50	Q2
1M	+0.39%	+0.17%	+0.22	5 / 50	Q1
3M	-0.25%	-0.05%	-0.20	28 / 49	Q3
6M	-2.05%	+0.58%	-2.62	44 / 48	Q4
YTD	+0.06%	+0.44%	-0.37	29 / 48	Q3
1Y	-6.31%	-0.07%	-6.24	47 / 48	Q4
2Y	-1.19%	+3.72%	-4.92	42 / 47	Q4
3Y	-0.23%	+4.38%	-4.61	39 / 46	Q4
4Y	+0.69%	+4.72%	-4.02	37 / 44	Q4
5Y	-0.42%	+3.72%	-4.14	38 / 42	Q4
7Y	+0.06%	+4.46%	-4.39	36 / 42	Q4
10Y	+0.69%	+4.82%	-4.12	35 / 42	Q4
Inception	+1.93%	+5.09%	-3.16	38 / 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	+0.06%	+0.03%	+0.03	16 / 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

+2.21%

234 windows

min -24.2% · max 35.8%

65% positive

3-Year rolling

+1.91%

210 windows

min -5.9% · max 8.2%

81% positive

5-Year rolling

+2.05%

185 windows

min -1.8% · max 6.1%

83% positive

7-Year rolling

+2.22%

161 windows

min -0.7% · max 5.2%

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

5.28%

3-year · annualised

Sharpe ratio

-1.25

vs risk-free 6.5%

Sortino ratio

-1.64

Downside-only deviation

Max drawdown

-8.05%

May 2025 → Apr 2026

% positive months

55.6%

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-Long Term-Dividend	HDFC	₹12.0577	3 Jun 2026
SBI MGLT- DIVIDEND - PF (Fixed Period - 1 Yr) Option	SBI	₹20.7036	3 Jun 2026
ICICI Prudential Gilt Fund-Investment-Dividend	ICICI Prudential	₹17.1914	3 Jun 2026
Templeton India Govt.Sec. Fund-Long Term Plan - Dividend	Franklin Templeton	₹10.6205	3 Jun 2026
Kotak Gilt-Investment Provident Fund and Trust-Dividend	Kotak Mahindra	₹11.6326	3 Jun 2026
DSP BlackRock Government Securities Fund - Dividend	DSP BlackRock	₹12.3761	3 Jun 2026
BARODA PIONEER GILT FUND-Dividend Plan	Baroda Pioneer	₹25.4008	3 Jun 2026
Canara Robeco Gilt PGS-Growth Plan	Canara Robeco	₹75.5222	3 Jun 2026
UTI - GILT ADVANTAGE-LONG TERM PF-DIVIDEND	UTI	₹26.5331	3 Jun 2026
PGIM India Gilt Fund - Quarterly Dividend	PGIM India	₹13.2250	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹14.8800
2 Jun 2026	₹14.8900
1 Jun 2026	₹14.8799
29 May 2026	₹14.8776
27 May 2026	₹14.8784
26 May 2026	₹14.8708
25 May 2026	₹14.8603
22 May 2026	₹14.8166
21 May 2026	₹14.8017
20 May 2026	₹14.8250

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 Canara Robeco Gilt PGS-Income Plan is ₹14.8800. 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 PGS-Income Plan has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 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 PGS-Income Plan 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 PGS-Income Plan has delivered a absolute return of -6.31% — -6.24 pp behind the Gilt Fund category average of -0.07%. The fund ranks #47 of 48 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Canara Robeco Gilt PGS-Income Plan has delivered a CAGR of -0.23% — -4.61 pp behind the Gilt Fund category average of 4.38%. The fund ranks #39 of 46 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Canara Robeco Gilt PGS-Income Plan has delivered a CAGR of -0.42% — -4.14 pp behind the Gilt Fund category average of 3.72%. The fund ranks #38 of 42 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Canara Robeco Gilt PGS-Income Plan exactly 10 years ago would be worth approximately ₹107,165 today — a multiplier of 1.07×, based on the 10-year CAGR of 0.69%. The category average over the same window would have grown ₹1 lakh to ₹160,073.

A ₹10,000 monthly SIP in Canara Robeco Gilt PGS-Income Plan over the last 5 years — total invested ₹600,000 — would be worth ₹599,246 today. That's an XIRR (money-weighted annualised return) of -0.05%.

A ₹10,000 monthly SIP for 10 years in Canara Robeco Gilt PGS-Income Plan = ₹1,200,000 invested. It would currently be worth ₹1,205,105 (multiplier 1.00×). XIRR: 0.08%. 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 PGS-Income Plan ranks #38 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 3.72%; this fund delivered -0.42%.

The worst peak-to-trough decline Canara Robeco Gilt PGS-Income Plan 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 PGS-Income Plan averaged 2.05% (best 6.05%, worst -1.75%). 83% of rolling windows ended positive. The 5-year Sharpe ratio is -1.42 — negative risk-adjusted performance.

In calendar year 2025, Canara Robeco Gilt PGS-Income Plan 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 PGS-Income Plan 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 PGS-Income Plan 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: -0.42%.

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