Should I invest in ICICI Prudential Gilt Investment PF Option Bonus?

We don't give personal investment advice. ICICI Prudential Gilt Investment PF Option - Direct Plan Bonus 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.

ICICI Prudential

ICICI Prudential Gilt Investment PF Option - Direct Plan Bonus

Latest NAV

₹14.5046

As of

25 May 2018

859 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	+0.40%	-0.15%	+0.55	3 / 48	Q1
1W	+0.36%	-0.27%	+0.63	4 / 48	Q1
2W	+0.03%	-0.20%	+0.23	9 / 48	Q1
1M	+0.40%	+0.99%	-0.59	33 / 48	Q3
3M	+2.32%	+2.06%	+0.26	27 / 48	Q3
6M	+1.21%	+2.31%	-1.10	35 / 48	Q3
YTD	+1.69%	+1.92%	-0.23	27 / 48	Q3
1Y	+3.91%	+1.58%	+2.33	8 / 48	Q1
2Y	+8.76%	+2.94%	+5.82	2 / 44	Q1
3Y	+8.83%	+3.59%	+5.24	3 / 41	Q1
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+9.39%	+3.62%	+5.78	3 / 48	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	+1.69%	+4.31%	-2.61	22 / 31
2017	+2.75%	-0.85%	+3.60	8 / 33
2016	+18.03%	+9.36%	+8.68	6 / 31
2015	+6.04%	+1.40%	+4.64	2 / 5
2014	—	—	—	—

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

+9.98%

32 windows

min 1.3% · max 21.1%

100% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+8.82%

7 windows

min 7.8% · max 10.5%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

6.48%

3-year · annualised

Sharpe ratio

0.33

vs risk-free 6.5%

Sortino ratio

0.71

Downside-only deviation

Max drawdown

-5.59%

Nov 2016 → Mar 2017

% 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 - IDCW Option - Direct Plan	HDFC	₹13.0890	17 Jul 2026
NIPPON INDIA GILT FUND - Direct Plan - MONTHLY IDCW Option	Nippon India	₹11.7233	17 Jul 2026
SBI Gilt Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹23.2275	17 Jul 2026
ICICI Prudential Gilt Fund - Direct Plan - IDCW	ICICI Prudential	₹18.6860	17 Jul 2026
Invesco India Gilt Fund - Direct Plan - Annual IDCW (Payout / Reinvestment)	Invesco	₹1,218.5847	17 Jul 2026
Bandhan Gilt Fund - Direct Plan - Annual IDCW	Bandhan	₹12.7227	17 Jul 2026
quant Gilt Fund - IDCW Option - Direct Plan	Quant	₹12.5478	17 Jul 2026
Aditya Birla Sun Life Govenment Securities Fund -DIRECT - Quarterly IDCW	Aditya Birla Sun Life	₹11.6482	17 Jul 2026
Franklin India Government Securities Fund - Direct - IDCW	Franklin India	₹11.8904	17 Jul 2026
Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option - Direct	Kotak	₹24.5773	17 Jul 2026

Recent NAVs

Date	NAV
25 May 2018	₹14.5046
24 May 2018	₹14.4470
23 May 2018	₹14.4579
22 May 2018	₹14.4798
21 May 2018	₹14.4695
18 May 2018	₹14.4525
17 May 2018	₹14.4298
16 May 2018	₹14.4147
15 May 2018	₹14.4091
14 May 2018	₹14.4501

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 Investment PF Option - Direct Plan Bonus is ₹14.5046. 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 Investment PF Option - Direct Plan Bonus has NAV history starting from 05 Nov 2014, a track record of about 11 years 8 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 Investment PF Option - Direct Plan Bonus 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 Investment PF Option - Direct Plan Bonus has delivered a absolute return of 3.91% — +2.33 pp ahead of the Gilt Fund category average of 1.58%. The fund ranks #8 of 48 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ICICI Prudential Gilt Investment PF Option - Direct Plan Bonus has delivered a CAGR of 8.83% — +5.24 pp ahead of the Gilt Fund category average of 3.59%. The fund ranks #3 of 41 in its category — the top (Q1) quartile.

ICICI Prudential Gilt Investment PF Option - Direct Plan Bonus doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in ICICI Prudential Gilt Investment PF Option - Direct Plan Bonus exactly 3 years ago would be worth approximately ₹128,895 today — a multiplier of 1.29×, based on the 3-year CAGR of 8.83%. The category average over the same window would have grown ₹1 lakh to ₹111,154.

A ₹10,000 monthly SIP in ICICI Prudential Gilt Investment PF Option - Direct Plan Bonus over the last 3 years — total invested ₹360,000 — would be worth ₹402,954 today. That's an XIRR (money-weighted annualised return) of 7.46%.

ICICI Prudential Gilt Investment PF Option - Direct Plan Bonus doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹402,954 — XIRR 7.46%.

On a 3-year basis, ICICI Prudential Gilt Investment PF Option - Direct Plan Bonus ranks #3 out of 41 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 3.59%; this fund delivered 8.83%.

The worst peak-to-trough decline ICICI Prudential Gilt Investment PF Option - Direct Plan Bonus has experienced over the last 3-year window is 5.59% — its NAV fell from a high on 24 Nov 2016 to a low on 10 Mar 2017. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, ICICI Prudential Gilt Investment PF Option - Direct Plan Bonus averaged 8.82% (best 10.53%, worst 7.78%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.33 — weak risk-adjusted performance.

In calendar year 2017, ICICI Prudential Gilt Investment PF Option - Direct Plan Bonus returned 2.75% — beating the Gilt Fund category average of -0.85% by 3.60 pp. It ranked #8 of 33 in its category that year.

ICICI Prudential Gilt Investment PF Option - Direct Plan Bonus 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 Investment PF Option - Direct Plan Bonus 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.

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