Should I invest in ICICI Prudential Gilt Fund?

We don't give personal investment advice. ICICI Prudential Gilt Fund - Direct Plan - 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: 10.1%. 5-year CAGR: 1.51%.

ICICI Prudential

ICICI Prudential Gilt Fund - Direct Plan - IDCW

Latest NAV

₹18.1300

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%	+0.06%	-0.07	42 / 48	Q4
1W	+0.01%	+0.18%	-0.16	41 / 48	Q4
2W	+0.69%	+0.60%	+0.09	17 / 48	Q2
1M	+0.12%	+0.25%	-0.12	18 / 48	Q2
3M	-5.77%	-0.44%	-5.33	48 / 48	Q4
6M	-4.39%	+0.24%	-4.63	48 / 48	Q4
YTD	-5.07%	+0.12%	-5.19	48 / 48	Q4
1Y	-3.62%	-1.18%	-2.43	38 / 48	Q4
2Y	-0.80%	+2.32%	-3.12	36 / 43	Q4
3Y	+1.18%	+2.92%	-1.74	23 / 41	Q3
4Y	+3.15%	+3.17%	-0.02	17 / 36	Q2
5Y	+1.51%	+2.31%	-0.80	16 / 33	Q2
7Y	+3.99%	+2.57%	+1.42	11 / 30	Q2
10Y	+3.84%	+2.99%	+0.86	12 / 27	Q2
Inception	+2.42%	+3.38%	-0.96	24 / 48	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	-5.07%	-0.58%	-4.49	39 / 39
2025	-0.94%	+1.34%	-2.29	30 / 38
2024	+5.45%	+5.54%	-0.09	18 / 35
2023	+8.82%	+4.18%	+4.64	1 / 35
2022	-3.27%	+0.43%	-3.70	29 / 31
2021	+4.33%	-0.22%	+4.55	2 / 31
2020	+12.77%	+5.04%	+7.74	3 / 31
2019	+11.44%	+7.33%	+4.11	8 / 26
2018	+6.01%	+4.31%	+1.70	13 / 31
2017	+0.04%	-0.85%	+0.89	18 / 33
2016	-0.83%	+9.36%	-10.18	29 / 31

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

+3.29%

152 windows

min -12.4% · max 16.1%

66% positive

3-Year rolling

+3.70%

127 windows

min -3.7% · max 10.6%

84% positive

5-Year rolling

+4.04%

103 windows

min -2.4% · max 7.7%

93% positive

7-Year rolling

+4.52%

79 windows

min 1.5% · max 6.7%

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

6.35%

3-year · annualised

Sharpe ratio

-0.81

vs risk-free 6.5%

Sortino ratio

-0.89

Downside-only deviation

Max drawdown

-10.10%

Mar 2025 → 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 - 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
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
Edelweiss Government Securities Fund - Direct Plan - Annual Dividend Option	Edelweiss	₹26.0763	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹18.1300
2 Jun 2026	₹18.1472
1 Jun 2026	₹18.1474
29 May 2026	₹18.1682
27 May 2026	₹18.1485
26 May 2026	₹18.1448
25 May 2026	₹18.1252
22 May 2026	₹18.0443
21 May 2026	₹18.0253
20 May 2026	₹18.0546

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 - IDCW is ₹18.1300. 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 - IDCW 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 - IDCW 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 - IDCW has delivered a absolute return of -3.62% — -2.43 pp behind the Gilt Fund category average of -1.18%. The fund ranks #38 of 48 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, ICICI Prudential Gilt Fund - Direct Plan - IDCW has delivered a CAGR of 1.18% — -1.74 pp behind the Gilt Fund category average of 2.92%. The fund ranks #23 of 41 in its category — the third (Q3) quartile.

Over the trailing 5-year window, ICICI Prudential Gilt Fund - Direct Plan - IDCW has delivered a CAGR of 1.51% — -0.8 pp behind the Gilt Fund category average of 2.31%. The fund ranks #16 of 33 in its category — the second (Q2) quartile.

₹1 lakh invested in ICICI Prudential Gilt Fund - Direct Plan - IDCW exactly 10 years ago would be worth approximately ₹145,832 today — a multiplier of 1.46×, based on the 10-year CAGR of 3.84%. The category average over the same window would have grown ₹1 lakh to ₹134,259.

A ₹10,000 monthly SIP in ICICI Prudential Gilt Fund - Direct Plan - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹611,007 today. That's an XIRR (money-weighted annualised return) of 0.72%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Gilt Fund - Direct Plan - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,403,907 (multiplier 1.17×). XIRR: 3.08%. 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 - IDCW ranks #16 out of 33 funds in the Gilt Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 2.31%; this fund delivered 1.51%.

The worst peak-to-trough decline ICICI Prudential Gilt Fund - Direct Plan - IDCW has experienced over the last 5-year window is 10.10% — its NAV fell from a high on 24 Mar 2025 to a low on 02 Apr 2026. 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 - IDCW averaged 4.04% (best 7.74%, worst -2.45%). 93% of rolling windows ended positive. The 5-year Sharpe ratio is -0.78 — negative risk-adjusted performance.

In calendar year 2025, ICICI Prudential Gilt Fund - Direct Plan - IDCW returned -0.94% — lagging the Gilt Fund category average of 1.34% by 2.29 pp. It ranked #30 of 38 in its category that year.

ICICI Prudential Gilt Fund - Direct Plan - 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 Gilt Fund - Direct Plan - 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: 10.1%. 5-year CAGR: 1.51%.

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