Should I invest in Escorts Gilt Plan?

We don't give personal investment advice. Escorts Gilt Plan-GROWTH OPTION is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 16.2%. 5-year CAGR: 18.75%.

Escorts

Escorts Gilt Plan-GROWTH OPTION

Latest NAV

₹170.2787

As of

17 Jul 2026

4,994 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	+0.11%	+0.17%	-0.06	6 / 10	Q3
1W	+0.47%	-0.10%	+0.58	2 / 10	Q1
2W	-0.10%	-0.37%	+0.28	2 / 10	Q1
1M	+1.99%	+0.51%	+1.48	2 / 10	Q1
3M	+5.15%	+1.26%	+3.89	2 / 10	Q1
6M	+5.71%	+0.32%	+5.40	2 / 10	Q1
YTD	+8.12%	+1.47%	+6.66	2 / 10	Q1
1Y	+19.15%	+10.25%	+8.91	1 / 10	Q1
2Y	+12.46%	+8.44%	+4.02	1 / 9	Q1
3Y	+22.15%	+15.41%	+6.73	1 / 9	Q1
4Y	+22.14%	+15.80%	+6.34	1 / 9	Q1
5Y	+18.75%	+13.10%	+5.65	1 / 9	Q1
7Y	+24.05%	+15.01%	+9.04	2 / 8	Q1
10Y	+18.19%	+11.33%	+6.86	2 / 8	Q1
Inception	+12.98%	+9.05%	+3.93	3 / 10	Q2

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	+8.12%	+1.47%	+6.66	2 / 10
2025	+15.95%	+15.81%	+0.14	6 / 9
2024	+25.34%	+15.20%	+10.15	1 / 9
2023	+21.44%	+21.04%	+0.40	6 / 9
2022	+13.25%	+5.98%	+7.27	2 / 9
2021	+53.54%	+22.72%	+30.81	2 / 9
2020	+27.03%	+18.85%	+8.18	2 / 8
2019	+10.43%	+7.96%	+2.48	3 / 8
2018	+4.56%	-1.76%	+6.32	2 / 8
2017	+1.20%	+4.89%	-3.69	7 / 8
2016	+12.72%	+6.15%	+6.57	2 / 8

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

+14.15%

236 windows

min -17.3% · max 99.3%

95% positive

3-Year rolling

+13.53%

211 windows

min -3.2% · max 39.7%

99% positive

5-Year rolling

+12.92%

187 windows

min -5.1% · max 34.7%

99% positive

7-Year rolling

+12.07%

163 windows

min 2.9% · max 24.1%

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

10.64%

3-year · annualised

Sharpe ratio

1.35

vs risk-free 6.5%

Sortino ratio

3.13

Downside-only deviation

Max drawdown

-12.97%

Sep 2024 → Mar 2025

% positive months

77.8%

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 Multi Asset Allocation Fund

Scheme	Fund house	NAV	As of
HDFC Multiple Yield Fund - Plan 2005-Dividend	HDFC	₹17.0000	17 Jul 2026
NIPPON INDIA MULTI ASSET ALLOCATION FUND - IDCW Option	Nippon India	₹23.5847	17 Jul 2026
SBI Magnum Monthly Income Plan-Floater-Dividend-(Annual)	SBI	₹37.7370	17 Jul 2026
Franklin India Multi Asset Allocation Fund- IDCW	Franklin India	₹10.9018	17 Jul 2026
Escorts Gilt Plan-DIVIDEND OPTION	Escorts	₹156.0933	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹170.2787
16 Jul 2026	₹170.0840
15 Jul 2026	₹170.2724
14 Jul 2026	₹170.7323
13 Jul 2026	₹170.2699
10 Jul 2026	₹169.4757
9 Jul 2026	₹168.3752
8 Jul 2026	₹167.8201
7 Jul 2026	₹169.0643
6 Jul 2026	₹170.3068

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 Escorts Gilt Plan-GROWTH OPTION is ₹170.2787. It's a Multi Asset Allocation Fund from Escorts, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Escorts Gilt Plan-GROWTH OPTION 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.

Escorts Gilt Plan-GROWTH OPTION is managed by Escorts. It's classified by AMFI under the 'Multi Asset Allocation Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Escorts Gilt Plan-GROWTH OPTION has delivered a absolute return of 19.15% — +8.91 pp ahead of the Multi Asset Allocation Fund category average of 10.25%. The fund ranks #1 of 10 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Escorts Gilt Plan-GROWTH OPTION has delivered a CAGR of 22.15% — +6.73 pp ahead of the Multi Asset Allocation Fund category average of 15.41%. The fund ranks #1 of 9 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Escorts Gilt Plan-GROWTH OPTION has delivered a CAGR of 18.75% — +5.65 pp ahead of the Multi Asset Allocation Fund category average of 13.10%. The fund ranks #1 of 9 in its category — the top (Q1) quartile.

₹1 lakh invested in Escorts Gilt Plan-GROWTH OPTION exactly 10 years ago would be worth approximately ₹531,809 today — a multiplier of 5.32×, based on the 10-year CAGR of 18.19%. The category average over the same window would have grown ₹1 lakh to ₹292,377.

A ₹10,000 monthly SIP in Escorts Gilt Plan-GROWTH OPTION over the last 5 years — total invested ₹600,000 — would be worth ₹977,339 today. That's an XIRR (money-weighted annualised return) of 19.60%.

A ₹10,000 monthly SIP for 10 years in Escorts Gilt Plan-GROWTH OPTION = ₹1,200,000 invested. It would currently be worth ₹3,697,882 (multiplier 3.08×). XIRR: 21.31%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Escorts Gilt Plan-GROWTH OPTION ranks #1 out of 9 funds in the Multi Asset Allocation Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 13.10%; this fund delivered 18.75%.

The worst peak-to-trough decline Escorts Gilt Plan-GROWTH OPTION has experienced over the last 5-year window is 16.17% — its NAV fell from a high on 13 Apr 2022 to a low on 20 Jun 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, Escorts Gilt Plan-GROWTH OPTION averaged 12.92% (best 34.66%, worst -5.09%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.91 — reasonable risk-adjusted performance.

In calendar year 2025, Escorts Gilt Plan-GROWTH OPTION returned 15.95% — beating the Multi Asset Allocation Fund category average of 15.81% by 0.14 pp. It ranked #6 of 9 in its category that year.

Escorts Gilt Plan-GROWTH OPTION is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. Escorts Gilt Plan-GROWTH OPTION is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 16.2%. 5-year CAGR: 18.75%.

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