Should I invest in ICICI Prudential Gilt Fund Bonus?

We don't give personal investment advice. ICICI Prudential Gilt Fund - Direct Plan Bonus 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: 6.8%. 5-year CAGR: 9.76%.

ICICI Prudential

ICICI Prudential Gilt Fund - Direct Plan Bonus

Latest NAV

₹18.0717

As of

24 Apr 2020

1,319 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	-0.85%	+0.06%	-0.91	48 / 48	Q4
1W	+2.28%	+0.18%	+2.10	1 / 48	Q1
2W	+3.69%	+0.60%	+3.09	1 / 48	Q1
1M	+3.45%	+0.25%	+3.20	1 / 48	Q1
3M	+5.33%	-0.44%	+5.77	2 / 48	Q1
6M	+7.66%	+0.24%	+7.42	2 / 48	Q1
YTD	+5.51%	+0.12%	+5.39	2 / 48	Q1
1Y	+15.49%	-1.18%	+16.67	1 / 48	Q1
2Y	+11.61%	+2.32%	+9.29	1 / 43	Q1
3Y	+9.53%	+2.92%	+6.61	2 / 41	Q1
4Y	+10.15%	+3.17%	+6.98	1 / 36	Q1
5Y	+9.76%	+2.31%	+7.44	1 / 33	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+10.29%	+3.38%	+6.91	2 / 48	Q1

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
2020 YTD	+5.51%	+5.04%	+0.47	15 / 31
2019	+11.44%	+7.33%	+4.11	7 / 26
2018	+7.28%	+4.31%	+2.97	10 / 31
2017	+1.23%	-0.85%	+2.08	11 / 33
2016	+18.78%	+9.36%	+9.43	3 / 31
2015	+6.50%	+1.40%	+5.10	1 / 5
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

+9.45%

55 windows

min 0.2% · max 19.9%

100% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+8.59%

31 windows

min 5.6% · max 11.1%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+9.32%

6 windows

min 8.8% · max 9.8%

100% positive

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

7-Year rolling

—

Insufficient history

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

4.44%

3-year · annualised

Sharpe ratio

0.64

vs risk-free 6.5%

Sortino ratio

2.41

Downside-only deviation

Max drawdown

-4.46%

Aug 2017 → Feb 2018

% positive months

69.4%

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 - IDCW Option - Direct Plan	HDFC	₹12.9019	3 Jun 2026
NIPPON INDIA GILT FUND - Direct Plan - MONTHLY IDCW Option	Nippon India	₹11.5637	3 Jun 2026
SBI Gilt Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.7535	3 Jun 2026
ICICI Prudential Gilt Fund - Direct Plan - IDCW	ICICI Prudential	₹18.1300	3 Jun 2026
Invesco India Gilt Fund - Direct Plan - Annual IDCW (Payout / Reinvestment)	Invesco	₹1,174.6952	3 Jun 2026
Bandhan Gilt Fund - Direct Plan - Annual IDCW	Bandhan	₹12.2891	3 Jun 2026
quant Gilt Fund - IDCW Option - Direct Plan	Quant	₹12.2696	3 Jun 2026
Aditya Birla Sun Life Govenment Securities Fund -DIRECT - Quarterly IDCW	Aditya Birla Sun Life	₹11.4114	3 Jun 2026
Franklin India Government Securities Fund - Direct - IDCW	Franklin India	₹11.8135	3 Jun 2026
Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option - Direct	Kotak	₹23.8598	3 Jun 2026

Recent NAVs

Date	NAV
24 Apr 2020	₹18.0717
23 Apr 2020	₹18.2264
22 Apr 2020	₹17.9530
21 Apr 2020	₹17.9696
20 Apr 2020	₹17.9126
17 Apr 2020	₹17.6694
16 Apr 2020	₹17.5989
15 Apr 2020	₹17.5622
13 Apr 2020	₹17.4929
9 Apr 2020	₹17.4281

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 Apr 2020, the NAV of ICICI Prudential Gilt Fund - Direct Plan Bonus is ₹18.0717. It's a Gilt Fund from ICICI Prudential, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Gilt Fund - Direct Plan Bonus 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 Gilt Fund - Direct Plan Bonus is managed by ICICI Prudential. 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, ICICI Prudential Gilt Fund - Direct Plan Bonus has delivered a absolute return of 15.49% — +16.67 pp ahead of the Gilt Fund category average of -1.18%. The fund ranks #1 of 48 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ICICI Prudential Gilt Fund - Direct Plan Bonus has delivered a CAGR of 9.53% — +6.61 pp ahead of the Gilt Fund category average of 2.92%. The fund ranks #2 of 41 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ICICI Prudential Gilt Fund - Direct Plan Bonus has delivered a CAGR of 9.76% — +7.44 pp ahead of the Gilt Fund category average of 2.31%. The fund ranks #1 of 33 in its category — the top (Q1) quartile.

₹1 lakh invested in ICICI Prudential Gilt Fund - Direct Plan Bonus exactly 5 years ago would be worth approximately ₹159,281 today — a multiplier of 1.59×, based on the 5-year CAGR of 9.76%. The category average over the same window would have grown ₹1 lakh to ₹112,114.

A ₹10,000 monthly SIP in ICICI Prudential Gilt Fund - Direct Plan Bonus over the last 5 years — total invested ₹600,000 — would be worth ₹777,236 today. That's an XIRR (money-weighted annualised return) of 10.28%.

ICICI Prudential Gilt Fund - Direct Plan Bonus doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹777,236 — XIRR 10.28%.

On a 5-year basis, ICICI Prudential Gilt Fund - Direct Plan Bonus ranks #1 out of 33 funds in the Gilt Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 2.31%; this fund delivered 9.76%.

The worst peak-to-trough decline ICICI Prudential Gilt Fund - Direct Plan Bonus has experienced over the last 5-year window is 6.80% — its NAV fell from a high on 24 Nov 2016 to a low on 10 Mar 2017. 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 Gilt Fund - Direct Plan Bonus averaged 9.32% (best 9.76%, worst 8.80%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.51 — reasonable risk-adjusted performance.

In calendar year 2019, ICICI Prudential Gilt Fund - Direct Plan Bonus returned 11.44% — beating the Gilt Fund category average of 7.33% by 4.11 pp. It ranked #7 of 26 in its category that year.

ICICI Prudential Gilt Fund - Direct Plan Bonus 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 Gilt Fund - Direct Plan Bonus 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: 6.8%. 5-year CAGR: 9.76%.

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

ICICI Prudential Gilt Fund - Direct Plan Bonus

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Gilt Fund

Recent NAVs

Frequently asked questions

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