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: 6.55%.

ICICI Prudential

ICICI Prudential Gilt Fund - Direct Plan - Growth

Latest NAV

₹113.6082

As of

3 Jun 2026

3,237 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	0.00%	+0.07%	-0.07	25 / 28	Q4
1W	+0.01%	+0.11%	-0.10	24 / 28	Q4
2W	+0.69%	+0.47%	+0.22	7 / 28	Q1
1M	+0.12%	+0.06%	+0.06	8 / 28	Q2
3M	-0.32%	-0.31%	-0.01	11 / 28	Q2
6M	+1.14%	+0.69%	+0.46	7 / 28	Q1
YTD	+0.42%	+0.17%	+0.26	11 / 28	Q2
1Y	+1.96%	-0.15%	+2.11	7 / 28	Q1
2Y	+6.23%	+5.18%	+1.04	4 / 26	Q1
3Y	+6.99%	+6.21%	+0.77	5 / 26	Q1
4Y	+7.56%	+6.93%	+0.63	4 / 23	Q1
5Y	+6.55%	+5.79%	+0.77	3 / 23	Q1
7Y	+7.66%	+6.63%	+1.03	1 / 20	Q1
10Y	+8.06%	+7.31%	+0.76	2 / 19	Q1
Inception	+8.30%	+7.03%	+1.27	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	+0.42%	+0.07%	+0.35	8 / 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

+8.79%

152 windows

min -1.1% · max 21.6%

97% positive

3-Year rolling

+8.83%

127 windows

min 5.3% · max 15.4%

100% positive

5-Year rolling

+8.60%

103 windows

min 6.3% · max 11.1%

100% positive

7-Year rolling

+8.82%

79 windows

min 7.2% · max 11.1%

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

2.82%

3-year · annualised

Sharpe ratio

0.11

vs risk-free 6.5%

Sortino ratio

0.19

Downside-only deviation

Max drawdown

-2.65%

Feb 2026 → Apr 2026

% positive months

88.9%

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

Scheme	Fund house	NAV	As of
HDFC Gilt Fund - Growth Option - Direct Plan	HDFC	₹58.9314	3 Jun 2026
Nippon India Gilt Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹43.1241	3 Jun 2026
SBI GILT FUND - DIRECT PLAN - GROWTH	SBI	₹71.2927	3 Jun 2026
Invesco India Gilt Fund - Direct Plan - Growth	Invesco	₹3,136.7839	3 Jun 2026
Bandhan Gilt Fund - Direct Plan - Growth	Bandhan	₹39.4902	3 Jun 2026
quant Gilt Fund - Growth Option - Direct Plan	Quant	₹12.2761	3 Jun 2026
Aditya Birla Sun Life Government Securities Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹86.1209	3 Jun 2026
Franklin India Government Securities Fund - Direct - Growth	Franklin India	₹66.2016	3 Jun 2026
Kotak Gilt-Investment Provident Fund and Trust-Growth - Direct	Kotak	₹111.0559	3 Jun 2026
Edelweiss Government Securities Fund - Direct Plan - Growth Option	Edelweiss	₹26.0662	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹113.6082
2 Jun 2026	₹113.7164
1 Jun 2026	₹113.7177
29 May 2026	₹113.8479
27 May 2026	₹113.7244
26 May 2026	₹113.7014
25 May 2026	₹113.5781
22 May 2026	₹113.0713
21 May 2026	₹112.9523
20 May 2026	₹113.1361

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 ICICI Prudential Gilt Fund - Direct Plan - Growth is ₹113.6082. 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 5 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 1.96% — +2.11 pp ahead of the Gilt Fund category average of -0.15%. The fund ranks #7 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 6.99% — +0.77 pp ahead of the Gilt Fund category average of 6.21%. 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 6.55% — +0.77 pp ahead of the Gilt Fund category average of 5.79%. 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 ₹217,175 today — a multiplier of 2.17×, based on the 10-year CAGR of 8.06%. The category average over the same window would have grown ₹1 lakh to ₹202,416.

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 ₹709,877 today. That's an XIRR (money-weighted annualised return) of 6.66%.

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 ₹1,744,616 (multiplier 1.45×). XIRR: 7.27%. 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 5.79%; this fund delivered 6.55%.

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 8.60% (best 11.08%, worst 6.34%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.03 — negative 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: 6.55%.

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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