Should I invest in ICICI Prudential Gilt Fund?

We don't give personal investment advice. ICICI Prudential Gilt Fund - Direct Plan - Growth 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: 3.1%. 5-year CAGR: 7.19%.

ICICI Prudential

ICICI Prudential Gilt Fund - Direct Plan - Growth

Latest NAV

₹117.0925

As of

17 Jul 2026

3,268 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	-0.20%	-0.13%	-0.06	19 / 28	Q3
1W	-0.49%	-0.34%	-0.15	19 / 28	Q3
2W	-0.42%	-0.31%	-0.11	19 / 28	Q3
1M	+1.55%	+1.36%	+0.18	14 / 28	Q2
3M	+2.89%	+2.44%	+0.45	6 / 28	Q1
6M	+3.85%	+3.18%	+0.67	7 / 28	Q1
YTD	+3.41%	+2.66%	+0.74	5 / 28	Q1
1Y	+4.74%	+3.05%	+1.69	2 / 28	Q1
2Y	+7.43%	+6.05%	+1.38	3 / 26	Q1
3Y	+7.68%	+6.92%	+0.76	5 / 26	Q1
4Y	+8.19%	+7.32%	+0.87	3 / 24	Q1
5Y	+7.19%	+6.26%	+0.93	3 / 23	Q1
7Y	+7.44%	+6.36%	+1.08	1 / 20	Q1
10Y	+7.99%	+7.29%	+0.71	2 / 19	Q1
Inception	+8.46%	+7.32%	+1.13	6 / 28	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
2026 YTD	+3.41%	+2.87%	+0.54	5 / 25
2025	+7.38%	+4.92%	+2.45	1 / 24
2024	+8.71%	+9.80%	-1.10	21 / 23
2023	+8.82%	+7.39%	+1.43	1 / 23
2022	+4.27%	+3.07%	+1.20	2 / 20
2021	+4.33%	+3.02%	+1.31	2 / 20
2020	+12.77%	+11.78%	+1.00	7 / 20
2019	+11.44%	+11.76%	-0.32	11 / 20
2018	+7.28%	+6.33%	+0.94	9 / 23
2017	+1.23%	+2.44%	-1.21	16 / 23
2016	+18.78%	+16.47%	+2.31	2 / 21

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

+8.83%

153 windows

min -3.3% · max 22.1%

98% positive

3-Year rolling

+8.81%

129 windows

min 5.5% · max 16.1%

100% positive

5-Year rolling

+8.61%

105 windows

min 6.4% · max 10.9%

100% positive

7-Year rolling

+8.80%

80 windows

min 6.8% · max 11.5%

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

2.36%

3-year · annualised

Sharpe ratio

0.41

vs risk-free 6.5%

Sortino ratio

1.28

Downside-only deviation

Max drawdown

-2.65%

Feb 2026 → Apr 2026

% positive months

83.3%

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 Option - Direct Plan	HDFC	₹60.7021	17 Jul 2026
Nippon India Gilt Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹44.4983	17 Jul 2026
SBI GILT FUND - DIRECT PLAN - GROWTH	SBI	₹72.7778	17 Jul 2026
Invesco India Gilt Fund - Direct Plan - Growth	Invesco	₹3,253.9767	17 Jul 2026
Bandhan Gilt Fund - Direct Plan - Growth	Bandhan	₹40.8837	17 Jul 2026
quant Gilt Fund - Growth Option - Direct Plan	Quant	₹12.5584	17 Jul 2026
Aditya Birla Sun Life Government Securities Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹88.9498	17 Jul 2026
Franklin India Government Securities Fund - Direct - Growth	Franklin India	₹67.5404	17 Jul 2026
Kotak Gilt-Investment Provident Fund and Trust-Growth - Direct	Kotak	₹114.3952	17 Jul 2026
Edelweiss Government Securities Fund - Direct Plan - Growth Option	Edelweiss	₹26.8686	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹117.0925
16 Jul 2026	₹117.3242
15 Jul 2026	₹117.0923
14 Jul 2026	₹116.9386
13 Jul 2026	₹117.5802
10 Jul 2026	₹117.6719
9 Jul 2026	₹117.4284
8 Jul 2026	₹117.3192
7 Jul 2026	₹117.7346
6 Jul 2026	₹117.7499

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 ICICI Prudential Gilt Fund - Direct Plan - Growth is ₹117.0925. It's a Gilt Fund from ICICI Prudential, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Gilt Fund - Direct Plan - Growth has NAV history starting from 02 Jan 2013, a track record of about 13 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 - Growth 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 - Growth has delivered a absolute return of 4.74% — +1.69 pp ahead of the Gilt Fund category average of 3.05%. The fund ranks #2 of 28 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ICICI Prudential Gilt Fund - Direct Plan - Growth has delivered a CAGR of 7.68% — +0.76 pp ahead of the Gilt Fund category average of 6.92%. The fund ranks #5 of 26 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ICICI Prudential Gilt Fund - Direct Plan - Growth has delivered a CAGR of 7.19% — +0.93 pp ahead of the Gilt Fund category average of 6.26%. The fund ranks #3 of 23 in its category — the top (Q1) quartile.

₹1 lakh invested in ICICI Prudential Gilt Fund - Direct Plan - Growth exactly 10 years ago would be worth approximately ₹215,781 today — a multiplier of 2.16×, based on the 10-year CAGR of 7.99%. The category average over the same window would have grown ₹1 lakh to ₹202,031.

A ₹10,000 monthly SIP in ICICI Prudential Gilt Fund - Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹724,958 today. That's an XIRR (money-weighted annualised return) of 7.50%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Gilt Fund - Direct Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,779,452 (multiplier 1.48×). XIRR: 7.64%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, ICICI Prudential Gilt Fund - Direct Plan - Growth ranks #3 out of 23 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 6.26%; this fund delivered 7.19%.

The worst peak-to-trough decline ICICI Prudential Gilt Fund - Direct Plan - Growth has experienced over the last 5-year window is 3.11% — its NAV fell from a high on 01 Dec 2021 to a low on 03 Feb 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 Gilt Fund - Direct Plan - Growth averaged 8.61% (best 10.87%, worst 6.38%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.20 — weak risk-adjusted performance.

In calendar year 2025, ICICI Prudential Gilt Fund - Direct Plan - Growth returned 7.38% — beating the Gilt Fund category average of 4.92% by 2.45 pp. It ranked #1 of 24 in its category that year.

ICICI Prudential Gilt Fund - Direct Plan - Growth 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 - Growth 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: 3.1%. 5-year CAGR: 7.19%.

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 - Growth

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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