Should I invest in ICICI Prudential Gilt Fund?

We don't give personal investment advice. ICICI Prudential Gilt Fund - 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: 3.2%. 5-year CAGR: 6.53%.

ICICI Prudential

ICICI Prudential Gilt Fund - Growth

Latest NAV

₹107.9276

As of

24 Jul 2026

4,905 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	+0.10%	+0.08%	+0.02	20 / 50	Q2
1W	-0.15%	-0.07%	-0.08	27 / 50	Q3
2W	-0.65%	-0.34%	-0.31	35 / 50	Q3
1M	+0.43%	+0.23%	+0.20	16 / 50	Q2
3M	+2.80%	+1.90%	+0.90	10 / 49	Q1
6M	+3.02%	+2.05%	+0.97	15 / 48	Q2
YTD	+2.96%	+1.91%	+1.05	15 / 48	Q2
1Y	+3.85%	+1.99%	+1.86	7 / 48	Q1
2Y	+6.70%	+4.21%	+2.49	8 / 47	Q1
3Y	+7.02%	+4.88%	+2.14	9 / 46	Q1
4Y	+7.53%	+4.96%	+2.57	3 / 44	Q1
5Y	+6.53%	+4.06%	+2.47	3 / 42	Q1
7Y	+6.98%	+4.31%	+2.67	3 / 42	Q1
10Y	+7.31%	+4.74%	+2.57	7 / 42	Q1
Inception	+8.41%	+5.13%	+3.27	5 / 50	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	+2.96%	+2.04%	+0.91	14 / 35
2025	+6.81%	+3.16%	+3.65	1 / 37
2024	+8.16%	+7.11%	+1.05	25 / 37
2023	+8.25%	+5.56%	+2.69	2 / 37
2022	+3.66%	+1.37%	+2.29	6 / 37
2021	+3.70%	+1.03%	+2.67	1 / 37
2020	+12.21%	+8.25%	+3.96	4 / 37
2019	+10.88%	+8.56%	+2.33	13 / 37
2018	+6.73%	+3.47%	+3.26	9 / 47
2017	+0.62%	+0.07%	+0.55	25 / 47
2016	+18.06%	+11.27%	+6.79	4 / 46

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

+8.63%

236 windows

min -4.8% · max 34.3%

96% positive

3-Year rolling

+8.50%

211 windows

min 4.1% · max 15.0%

100% positive

5-Year rolling

+8.32%

187 windows

min 3.0% · max 11.6%

100% positive

7-Year rolling

+8.44%

163 windows

min 5.8% · max 10.4%

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

2.44%

3-year · annualised

Sharpe ratio

0.13

vs risk-free 6.5%

Sortino ratio

0.32

Downside-only deviation

Max drawdown

-2.70%

Feb 2026 → Apr 2026

% positive months

86.1%

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 Plan	HDFC	₹57.1929	24 Jul 2026
SBI GILT FUND - GROWTH - PF (Fixed Period - 3 Yrs) Option	SBI	₹41.0817	24 Jul 2026
ICICI Prudential Gilt Fund - IDCW	ICICI Prudential	₹17.6810	24 Jul 2026
Franklin India Government Securities Fund - Growth	Franklin Templeton	₹61.4889	24 Jul 2026
Kotak Gilt-Investment Provident Fund and Trust-Growth	Kotak Mahindra	₹99.4019	24 Jul 2026
DSP Gilt Fund - Regular Plan - Growth	DSP BlackRock	₹98.6711	24 Jul 2026
Baroda BNP Paribas GILT FUND - Regular Plan - Growth Option	Baroda Pioneer	₹43.9131	24 Jul 2026
CANARA ROBECO GILT FUND - REGULAR PLAN - GROWTH OPTION	Canara Robeco	₹76.7608	24 Jul 2026
UTI - GILT FUND - Discontinued PF Plan - Growth Option	UTI	₹48.8721	24 Jul 2026
PGIM India Gilt Fund - Quarterly Dividend	PGIM India	₹13.0985	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹107.9276
23 Jul 2026	₹107.8206
22 Jul 2026	₹107.9532
21 Jul 2026	₹108.0604
20 Jul 2026	₹108.0765
17 Jul 2026	₹108.0886
16 Jul 2026	₹108.3041
15 Jul 2026	₹108.0916
14 Jul 2026	₹107.9513
13 Jul 2026	₹108.5452

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 Jul 2026, the NAV of ICICI Prudential Gilt Fund - Growth is ₹107.9276. It's a Gilt Fund from ICICI Prudential, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Gilt Fund - Growth has NAV history starting from 02 Apr 2006, a track record of about 20 years 3 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

ICICI Prudential Gilt Fund - 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 - Growth has delivered a absolute return of 3.85% — +1.86 pp ahead of the Gilt Fund category average of 1.99%. The fund ranks #7 of 48 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ICICI Prudential Gilt Fund - Growth has delivered a CAGR of 7.02% — +2.14 pp ahead of the Gilt Fund category average of 4.88%. The fund ranks #9 of 46 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ICICI Prudential Gilt Fund - Growth has delivered a CAGR of 6.53% — +2.47 pp ahead of the Gilt Fund category average of 4.06%. The fund ranks #3 of 42 in its category — the top (Q1) quartile.

₹1 lakh invested in ICICI Prudential Gilt Fund - Growth exactly 10 years ago would be worth approximately ₹202,578 today — a multiplier of 2.03×, based on the 10-year CAGR of 7.31%. The category average over the same window would have grown ₹1 lakh to ₹158,967.

A ₹10,000 monthly SIP in ICICI Prudential Gilt Fund - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹712,750 today. That's an XIRR (money-weighted annualised return) of 6.82%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Gilt Fund - Growth = ₹1,200,000 invested. It would currently be worth ₹1,720,638 (multiplier 1.43×). XIRR: 7.00%. 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 - Growth ranks #3 out of 42 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 4.06%; this fund delivered 6.53%.

The worst peak-to-trough decline ICICI Prudential Gilt Fund - Growth has experienced over the last 5-year window is 3.21% — 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 - Growth averaged 8.32% (best 11.61%, worst 2.99%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.04 — negative risk-adjusted performance.

In calendar year 2025, ICICI Prudential Gilt Fund - Growth returned 6.81% — beating the Gilt Fund category average of 3.16% by 3.65 pp. It ranked #1 of 37 in its category that year.

ICICI Prudential Gilt Fund - 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 - 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: 3.2%. 5-year CAGR: 6.53%.

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

ICICI Prudential Gilt Fund - 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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