Should I invest in ICICI Prudential Gilt Fund-Treasury?

We don't give personal investment advice. ICICI Prudential Gilt Fund-Treasury-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: 6.1%. 5-year CAGR: 7.30%.

ICICI Prudential

ICICI Prudential Gilt Fund-Treasury-Growth

Latest NAV

₹43.6350

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	7 / 50	Q1
1W	+0.22%	+0.10%	+0.13	6 / 50	Q1
2W	-0.15%	+0.33%	-0.48	43 / 50	Q4
1M	-0.01%	+0.17%	-0.18	35 / 50	Q3
3M	+0.36%	-0.05%	+0.40	14 / 49	Q2
6M	-0.04%	+0.58%	-0.62	31 / 48	Q3
YTD	+0.37%	+0.44%	-0.07	23 / 48	Q2
1Y	+3.58%	-0.07%	+3.65	7 / 48	Q1
2Y	+6.44%	+3.72%	+2.72	8 / 47	Q1
3Y	+7.60%	+4.38%	+3.22	6 / 46	Q1
4Y	+8.32%	+4.72%	+3.60	2 / 44	Q1
5Y	+7.30%	+3.72%	+3.58	2 / 42	Q1
7Y	+7.97%	+4.46%	+3.51	2 / 42	Q1
10Y	+8.34%	+4.82%	+3.52	2 / 42	Q1
Inception	+7.99%	+5.09%	+2.91	6 / 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
2018 YTD	+0.37%	+3.47%	-3.10	38 / 47
2017	+4.79%	+0.07%	+4.72	4 / 47
2016	+11.95%	+11.27%	+0.68	28 / 46
2015	+8.46%	+3.01%	+5.45	1 / 11
2014	+11.62%	+7.54%	+4.09	2 / 5
2013	+6.01%	+2.66%	+3.35	2 / 5
2012	+7.64%	+5.16%	+2.47	2 / 5
2011	+6.48%	+4.24%	+2.24	1 / 5
2010	+3.72%	+2.48%	+1.24	3 / 5
2009	+4.06%	-1.15%	+5.21	1 / 5
2008	+20.52%	+22.41%	-1.89	3 / 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

+8.48%

136 windows

min 1.9% · max 22.6%

100% positive

3-Year rolling

+8.49%

112 windows

min 4.1% · max 11.6%

100% positive

5-Year rolling

+8.05%

88 windows

min 5.5% · max 9.6%

100% positive

7-Year rolling

+8.07%

63 windows

min 6.8% · max 8.8%

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

2.83%

3-year · annualised

Sharpe ratio

0.31

vs risk-free 6.5%

Sortino ratio

0.86

Downside-only deviation

Max drawdown

-1.86%

Apr 2018 → May 2018

% positive months

80.6%

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	₹43.6350
24 May 2018	₹43.5891
23 May 2018	₹43.5964
22 May 2018	₹43.6021
21 May 2018	₹43.5687
18 May 2018	₹43.5379
17 May 2018	₹43.5207
16 May 2018	₹43.5157
15 May 2018	₹43.5770
14 May 2018	₹43.6642

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-Growth is ₹43.6350. 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-Growth 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-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-Treasury-Growth has delivered a absolute return of 3.58% — +3.65 pp ahead of the Gilt Fund category average of -0.07%. The fund ranks #7 of 48 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ICICI Prudential Gilt Fund-Treasury-Growth has delivered a CAGR of 7.60% — +3.22 pp ahead of the Gilt Fund category average of 4.38%. The fund ranks #6 of 46 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ICICI Prudential Gilt Fund-Treasury-Growth has delivered a CAGR of 7.30% — +3.58 pp ahead of the Gilt Fund category average of 3.72%. The fund ranks #2 of 42 in its category — the top (Q1) quartile.

₹1 lakh invested in ICICI Prudential Gilt Fund-Treasury-Growth exactly 10 years ago would be worth approximately ₹222,803 today — a multiplier of 2.23×, based on the 10-year CAGR of 8.34%. 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-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹723,757 today. That's an XIRR (money-weighted annualised return) of 7.43%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Gilt Fund-Treasury-Growth = ₹1,200,000 invested. It would currently be worth ₹1,780,343 (multiplier 1.48×). XIRR: 7.65%. 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-Growth ranks #2 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 3.72%; this fund delivered 7.30%.

The worst peak-to-trough decline ICICI Prudential Gilt Fund-Treasury-Growth 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-Growth averaged 8.05% (best 9.60%, worst 5.46%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.20 — weak risk-adjusted performance.

In calendar year 2017, ICICI Prudential Gilt Fund-Treasury-Growth returned 4.79% — beating the Gilt Fund category average of 0.07% by 4.72 pp. It ranked #4 of 47 in its category that year.

ICICI Prudential Gilt Fund-Treasury-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-Treasury-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: 6.1%. 5-year CAGR: 7.30%.

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

ICICI Prudential Gilt Fund-Treasury-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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