Should I invest in ICICI Prudential Gilt Fund-Treasury?

We don't give personal investment advice. ICICI Prudential Gilt Fund-Treasury-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: 6.1%. 5-year CAGR: -0.56%.

ICICI Prudential

ICICI Prudential Gilt Fund-Treasury-Dividend

Latest NAV

₹12.1349

As of

25 May 2018

2,930 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	+0.11%	+0.05%	+0.06	6 / 50	Q1
1W	+0.22%	+0.10%	+0.13	5 / 50	Q1
2W	-0.37%	+0.33%	-0.70	48 / 50	Q4
1M	-0.23%	+0.17%	-0.40	48 / 50	Q4
3M	+0.14%	-0.05%	+0.18	26 / 49	Q3
6M	-0.89%	+0.58%	-1.47	43 / 48	Q4
YTD	+0.15%	+0.44%	-0.29	28 / 48	Q3
1Y	-0.96%	-0.07%	-0.89	29 / 48	Q3
2Y	-1.80%	+3.72%	-5.52	44 / 47	Q4
3Y	-0.45%	+4.38%	-4.83	41 / 46	Q4
4Y	-0.68%	+4.72%	-5.40	42 / 44	Q4
5Y	-0.56%	+3.72%	-4.28	39 / 42	Q4
7Y	+0.53%	+4.46%	-3.93	34 / 42	Q4
10Y	+1.18%	+4.82%	-3.63	33 / 42	Q4
Inception	+1.21%	+5.09%	-3.88	40 / 50	Q4

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
2018 YTD	+0.15%	+3.47%	-3.32	43 / 47
2017	+0.42%	+0.07%	+0.35	26 / 47
2016	-1.73%	+11.27%	-13.00	45 / 46
2015	-0.52%	+3.01%	-3.53	9 / 11
2014	+1.24%	+7.54%	-6.29	4 / 5
2013	-0.37%	+2.66%	-3.02	4 / 5
2012	+1.67%	+5.16%	-3.49	4 / 5
2011	+2.39%	+4.24%	-1.86	5 / 5
2010	-0.99%	+2.48%	-3.47	4 / 5
2009	-3.90%	-1.15%	-2.75	4 / 5
2008	+14.18%	+22.41%	-8.23	4 / 5

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

+1.35%

136 windows

min -5.1% · max 15.4%

60% positive

3-Year rolling

+1.35%

112 windows

min -1.2% · max 5.6%

79% positive

5-Year rolling

+1.21%

88 windows

min -0.6% · max 3.5%

86% positive

7-Year rolling

+1.25%

63 windows

min 0.0% · max 2.8%

98% 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

5.27%

3-year · annualised

Sharpe ratio

-1.30

vs risk-free 6.5%

Sortino ratio

-1.54

Downside-only deviation

Max drawdown

-5.39%

Nov 2016 → Dec 2016

% positive months

63.9%

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-Long Term-Dividend	HDFC	₹12.0577	3 Jun 2026
SBI MGLT- DIVIDEND - PF (Fixed Period - 1 Yr) Option	SBI	₹20.7036	3 Jun 2026
ICICI Prudential Gilt Fund-Investment-Dividend	ICICI Prudential	₹17.1914	3 Jun 2026
Templeton India Govt.Sec. Fund-Long Term Plan - Dividend	Franklin Templeton	₹10.6205	3 Jun 2026
Kotak Gilt-Investment Provident Fund and Trust-Dividend	Kotak Mahindra	₹11.6326	3 Jun 2026
DSP BlackRock Government Securities Fund - Dividend	DSP BlackRock	₹12.3761	3 Jun 2026
BARODA PIONEER GILT FUND-Dividend Plan	Baroda Pioneer	₹25.4008	3 Jun 2026
Canara Robeco Gilt PGS-Growth Plan	Canara Robeco	₹75.5222	3 Jun 2026
UTI - GILT ADVANTAGE-LONG TERM PF-DIVIDEND	UTI	₹26.5331	3 Jun 2026
PGIM India Gilt Fund - Quarterly Dividend	PGIM India	₹13.2250	3 Jun 2026

Recent NAVs

Date	NAV
25 May 2018	₹12.1349
24 May 2018	₹12.1221
23 May 2018	₹12.1242
22 May 2018	₹12.1257
21 May 2018	₹12.1164
18 May 2018	₹12.1079
17 May 2018	₹12.1297
16 May 2018	₹12.1283
15 May 2018	₹12.1454
14 May 2018	₹12.1697

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 25 May 2018, the NAV of ICICI Prudential Gilt Fund-Treasury-Dividend is ₹12.1349. 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-Treasury-Dividend has NAV history starting from 02 Apr 2006, a track record of about 20 years 2 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-Treasury-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-Treasury-Dividend has delivered a absolute return of -0.96% — -0.89 pp behind the Gilt Fund category average of -0.07%. The fund ranks #29 of 48 in its category — the third (Q3) quartile.

Over the trailing 3-year window, ICICI Prudential Gilt Fund-Treasury-Dividend has delivered a CAGR of -0.45% — -4.83 pp behind the Gilt Fund category average of 4.38%. The fund ranks #41 of 46 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, ICICI Prudential Gilt Fund-Treasury-Dividend has delivered a CAGR of -0.56% — -4.28 pp behind the Gilt Fund category average of 3.72%. The fund ranks #39 of 42 in its category — the bottom (Q4) quartile.

₹1 lakh invested in ICICI Prudential Gilt Fund-Treasury-Dividend exactly 10 years ago would be worth approximately ₹112,471 today — a multiplier of 1.12×, based on the 10-year CAGR of 1.18%. The category average over the same window would have grown ₹1 lakh to ₹160,073.

A ₹10,000 monthly SIP in ICICI Prudential Gilt Fund-Treasury-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹593,526 today. That's an XIRR (money-weighted annualised return) of -0.43%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Gilt Fund-Treasury-Dividend = ₹1,200,000 invested. It would currently be worth ₹1,208,905 (multiplier 1.01×). XIRR: 0.15%. 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-Treasury-Dividend ranks #39 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 3.72%; this fund delivered -0.56%.

The worst peak-to-trough decline ICICI Prudential Gilt Fund-Treasury-Dividend has experienced over the last 5-year window is 6.13% — its NAV fell from a high on 28 May 2013 to a low on 19 Aug 2013. 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-Treasury-Dividend averaged 1.21% (best 3.53%, worst -0.62%). 86% of rolling windows ended positive. The 5-year Sharpe ratio is -1.48 — negative risk-adjusted performance.

In calendar year 2017, ICICI Prudential Gilt Fund-Treasury-Dividend returned 0.42% — beating the Gilt Fund category average of 0.07% by 0.35 pp. It ranked #26 of 47 in its category that year.

ICICI Prudential Gilt Fund-Treasury-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-Treasury-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: 6.1%. 5-year CAGR: -0.56%.

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