Should I invest in ICICI Prudential Gilt Fund-Investment?

We don't give personal investment advice. ICICI Prudential Gilt Fund-Investment-Dividend 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: 9.8%. 5-year CAGR: 1.72%.

ICICI Prudential

ICICI Prudential Gilt Fund-Investment-Dividend

Latest NAV

₹17.7074

As of

17 Jul 2026

4,900 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%	-0.09%	-0.11	41 / 50	Q4
1W	-0.50%	-0.21%	-0.29	40 / 50	Q4
2W	-0.44%	-0.20%	-0.23	40 / 50	Q4
1M	+1.50%	+0.85%	+0.65	14 / 50	Q2
3M	+2.76%	+1.89%	+0.87	10 / 49	Q1
6M	-1.59%	+2.36%	-3.94	46 / 48	Q4
YTD	-2.03%	+2.02%	-4.05	47 / 48	Q4
1Y	-1.01%	+2.29%	-3.29	42 / 48	Q4
2Y	+0.30%	+4.35%	-4.04	40 / 47	Q4
3Y	+1.66%	+4.90%	-3.24	35 / 46	Q4
4Y	+3.47%	+5.03%	-1.56	33 / 44	Q3
5Y	+1.72%	+4.10%	-2.39	32 / 42	Q4
7Y	+3.34%	+4.23%	-0.89	30 / 42	Q3
10Y	+3.41%	+4.82%	-1.41	31 / 42	Q3
Inception	+2.62%	+5.14%	-2.52	37 / 50	Q3

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	-2.03%	+2.19%	-4.22	34 / 35
2025	-0.96%	+3.16%	-4.12	34 / 37
2024	+4.93%	+7.11%	-2.19	28 / 37
2023	+8.25%	+5.56%	+2.69	1 / 37
2022	-4.11%	+1.37%	-5.48	37 / 37
2021	+3.70%	+1.03%	+2.67	2 / 37
2020	+12.21%	+8.25%	+3.96	5 / 37
2019	+10.88%	+8.56%	+2.33	14 / 37
2018	+5.72%	+3.47%	+2.25	15 / 47
2017	+0.01%	+0.07%	-0.06	28 / 47
2016	-0.82%	+11.27%	-12.09	43 / 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

+3.01%

236 windows

min -11.3% · max 25.1%

68% positive

3-Year rolling

+2.71%

211 windows

min -3.9% · max 10.1%

79% positive

5-Year rolling

+2.55%

187 windows

min -2.4% · max 7.4%

80% positive

7-Year rolling

+2.47%

163 windows

min -1.3% · max 6.2%

88% 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

5.18%

3-year · annualised

Sharpe ratio

-0.91

vs risk-free 6.5%

Sortino ratio

-1.04

Downside-only deviation

Max drawdown

-9.67%

Mar 2025 → Apr 2026

% positive months

77.8%

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-Long Term-Dividend	HDFC	₹12.2632	17 Jul 2026
SBI MGLT- DIVIDEND - PF (Fixed Period - 1 Yr) Option	SBI	₹21.1223	17 Jul 2026
ICICI Prudential Gilt Fund-Investment-Growth	ICICI Prudential	₹108.0886	17 Jul 2026
Templeton India Govt.Sec. Fund-Long Term Plan - Dividend	Franklin Templeton	₹10.7265	17 Jul 2026
Kotak Gilt-Investment Provident Fund and Trust-Dividend	Kotak Mahindra	₹11.8321	17 Jul 2026
DSP BlackRock Government Securities Fund - Dividend	DSP BlackRock	₹12.8314	17 Jul 2026
BARODA PIONEER GILT FUND-Dividend Plan	Baroda Pioneer	₹26.1330	17 Jul 2026
Canara Robeco Gilt PGS-Growth Plan	Canara Robeco	₹76.8324	17 Jul 2026
UTI - GILT ADVANTAGE-LONG TERM PF-DIVIDEND	UTI	₹26.9141	17 Jul 2026
PGIM India Gilt Fund - Quarterly Dividend	PGIM India	₹13.1211	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹17.7074
16 Jul 2026	₹17.7427
15 Jul 2026	₹17.7078
14 Jul 2026	₹17.6849
13 Jul 2026	₹17.7822
10 Jul 2026	₹17.7968
9 Jul 2026	₹17.7602
8 Jul 2026	₹17.7440
7 Jul 2026	₹17.8071
6 Jul 2026	₹17.8096

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-Investment-Dividend is ₹17.7074. 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-Investment-Dividend 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-Investment-Dividend 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-Investment-Dividend has delivered a absolute return of -1.01% — -3.29 pp behind the Gilt Fund category average of 2.29%. The fund ranks #42 of 48 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, ICICI Prudential Gilt Fund-Investment-Dividend has delivered a CAGR of 1.66% — -3.24 pp behind the Gilt Fund category average of 4.90%. The fund ranks #35 of 46 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, ICICI Prudential Gilt Fund-Investment-Dividend has delivered a CAGR of 1.72% — -2.39 pp behind the Gilt Fund category average of 4.10%. The fund ranks #32 of 42 in its category — the bottom (Q4) quartile.

₹1 lakh invested in ICICI Prudential Gilt Fund-Investment-Dividend exactly 10 years ago would be worth approximately ₹139,792 today — a multiplier of 1.40×, based on the 10-year CAGR of 3.41%. The category average over the same window would have grown ₹1 lakh to ₹160,044.

A ₹10,000 monthly SIP in ICICI Prudential Gilt Fund-Investment-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹624,419 today. That's an XIRR (money-weighted annualised return) of 1.57%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Gilt Fund-Investment-Dividend = ₹1,200,000 invested. It would currently be worth ₹1,410,079 (multiplier 1.18×). XIRR: 3.17%. 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-Investment-Dividend ranks #32 out of 42 funds in the Gilt Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 4.10%; this fund delivered 1.72%.

The worst peak-to-trough decline ICICI Prudential Gilt Fund-Investment-Dividend has experienced over the last 5-year window is 9.77% — its NAV fell from a high on 01 Dec 2021 to a low on 28 Jun 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-Investment-Dividend averaged 2.55% (best 7.45%, worst -2.42%). 80% of rolling windows ended positive. The 5-year Sharpe ratio is -0.81 — negative risk-adjusted performance.

In calendar year 2025, ICICI Prudential Gilt Fund-Investment-Dividend returned -0.96% — lagging the Gilt Fund category average of 3.16% by 4.12 pp. It ranked #34 of 37 in its category that year.

ICICI Prudential Gilt Fund-Investment-Dividend 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-Investment-Dividend 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: 9.8%. 5-year CAGR: 1.72%.

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