Should I invest in ICICI Prudential Constant Maturity Gilt Fund - Annual IDCW?

We don't give personal investment advice. ICICI Prudential Constant Maturity Gilt Fund - Annual 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: 20.3%. 5-year CAGR: -0.10%.

ICICI Prudential

ICICI Prudential Constant Maturity Gilt Fund - Annual IDCW

Latest NAV

₹10.4889

As of

16 Sep 2022

1,903 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%	+0.03%	-0.24	8 / 10	Q4
1W	-0.62%	-0.05%	-0.57	9 / 10	Q4
2W	+0.09%	+0.64%	-0.55	8 / 10	Q4
1M	+0.09%	+0.47%	-0.38	8 / 10	Q4
3M	+3.78%	+0.65%	+3.14	1 / 10	Q1
6M	+0.24%	-0.08%	+0.32	4 / 10	Q2
YTD	-0.01%	-0.02%	+0.01	5 / 10	Q2
1Y	-0.08%	-0.37%	+0.29	5 / 10	Q2
2Y	-0.05%	+1.93%	-1.98	7 / 10	Q3
3Y	+0.10%	+1.89%	-1.79	6 / 10	Q3
4Y	-0.18%	+2.74%	-2.92	9 / 10	Q4
5Y	-0.10%	+1.73%	-1.84	8 / 10	Q4
7Y	+0.37%	+2.04%	-1.67	5 / 10	Q2
10Y	—	—	—	—	—
Inception	+0.15%	+2.20%	-2.05	9 / 10	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
2022 YTD	-0.01%	+0.36%	-0.37	8 / 10
2021	-3.06%	-0.38%	-2.68	9 / 10
2020	+0.87%	+3.17%	-2.30	4 / 10
2019	-5.63%	+2.96%	-8.59	10 / 10
2018	+9.46%	+5.50%	+3.96	3 / 10
2017	-6.41%	-0.45%	-5.96	9 / 10
2016	+6.34%	+2.26%	+4.08	3 / 10
2015	-3.23%	-1.32%	-1.91	3 / 3
2014	—	—	—	—

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

-0.36%

84 windows

min -7.9% · max 19.2%

37% positive

3-Year rolling

-0.16%

60 windows

min -6.6% · max 3.6%

55% positive

5-Year rolling

-0.18%

36 windows

min -2.3% · max 1.3%

44% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

-0.63%

11 windows

min -1.3% · max 0.4%

18% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

8.08%

3-year · annualised

Sharpe ratio

-0.75

vs risk-free 6.5%

Sortino ratio

-0.87

Downside-only deviation

Max drawdown

-14.95%

Aug 2020 → Jun 2022

% positive months

63.9%

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 with 10-year Constant Duration

Scheme	Fund house	NAV	As of
SBI Constant Maturity 10 Year Gilt Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.0454	3 Jun 2026
ICICI Prudential Constant Maturity Gilt Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹11.5552	3 Jun 2026
Bandhan Gilt Fund with 10 year constant duration Fund - Direct Plan - Monthly IDCW	Bandhan	₹10.4595	3 Jun 2026
DSP 10Y G-Sec Fund - Direct Plan - IDCW	DSP	₹10.5983	3 Jun 2026
UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Annual IDCW Option	UTI	₹11.3787	3 Jun 2026
IDFC GSF - Short Term - Growth	IDFC	₹47.2400	3 Jun 2026

Recent NAVs

Date	NAV
16 Sep 2022	₹10.4889
15 Sep 2022	₹10.5117
14 Sep 2022	₹10.5654
13 Sep 2022	₹10.5892
12 Sep 2022	₹10.5445
9 Sep 2022	₹10.5542
8 Sep 2022	₹10.5738
7 Sep 2022	₹10.5392
6 Sep 2022	₹10.5309
5 Sep 2022	₹10.5044

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 16 Sep 2022, the NAV of ICICI Prudential Constant Maturity Gilt Fund - Annual IDCW is ₹10.4889. It's a Gilt Fund with 10-year Constant Duration from ICICI Prudential, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Constant Maturity Gilt Fund - Annual IDCW has NAV history starting from 05 Nov 2014, a track record of about 11 years 6 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.

ICICI Prudential Constant Maturity Gilt Fund - Annual IDCW is managed by ICICI Prudential. It's classified by AMFI under the 'Gilt Fund with 10-year Constant Duration' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ICICI Prudential Constant Maturity Gilt Fund - Annual IDCW has delivered a absolute return of -0.08% — +0.29 pp ahead of the Gilt Fund with 10-year Constant Duration category average of -0.37%. The fund ranks #5 of 10 in its category — the second (Q2) quartile.

Over the trailing 3-year window, ICICI Prudential Constant Maturity Gilt Fund - Annual IDCW has delivered a CAGR of 0.10% — -1.79 pp behind the Gilt Fund with 10-year Constant Duration category average of 1.89%. The fund ranks #6 of 10 in its category — the third (Q3) quartile.

Over the trailing 5-year window, ICICI Prudential Constant Maturity Gilt Fund - Annual IDCW has delivered a CAGR of -0.10% — -1.84 pp behind the Gilt Fund with 10-year Constant Duration category average of 1.73%. The fund ranks #8 of 10 in its category — the bottom (Q4) quartile.

₹1 lakh invested in ICICI Prudential Constant Maturity Gilt Fund - Annual IDCW exactly 5 years ago would be worth approximately ₹99,485 today — a multiplier of 0.99×, based on the 5-year CAGR of -0.10%. The category average over the same window would have grown ₹1 lakh to ₹108,977.

A ₹10,000 monthly SIP in ICICI Prudential Constant Maturity Gilt Fund - Annual IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹582,705 today. That's an XIRR (money-weighted annualised return) of -1.15%.

ICICI Prudential Constant Maturity Gilt Fund - Annual IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹815,298 — XIRR -0.84%.

On a 5-year basis, ICICI Prudential Constant Maturity Gilt Fund - Annual IDCW ranks #8 out of 10 funds in the Gilt Fund with 10-year Constant Duration category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 1.73%; this fund delivered -0.10%.

The worst peak-to-trough decline ICICI Prudential Constant Maturity Gilt Fund - Annual IDCW has experienced over the last 5-year window is 20.35% — its NAV fell from a high on 26 Aug 2019 to a low on 13 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, ICICI Prudential Constant Maturity Gilt Fund - Annual IDCW averaged -0.18% (best 1.32%, worst -2.28%). 44% of rolling windows ended positive. The 5-year Sharpe ratio is -0.59 — negative risk-adjusted performance.

In calendar year 2021, ICICI Prudential Constant Maturity Gilt Fund - Annual IDCW returned -3.06% — lagging the Gilt Fund with 10-year Constant Duration category average of -0.38% by 2.68 pp. It ranked #9 of 10 in its category that year.

ICICI Prudential Constant Maturity Gilt Fund - Annual 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. ICICI Prudential Constant Maturity Gilt Fund - Annual 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: 20.3%. 5-year CAGR: -0.10%.

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