Should I invest in IDFC GSF - Investment Plan -PLAN B GROWTH?

We don't give personal investment advice. IDFC GSF - Investment Plan -PLAN B 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: 4.2%. 5-year CAGR: 5.42%.

IDFC

IDFC GSF - Investment Plan -PLAN B GROWTH

Latest NAV

₹36.3209

As of

3 Jun 2026

4,225 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	+0.09%	+0.05%	+0.04	9 / 50	Q1
1W	+0.10%	+0.10%	+0.01	27 / 50	Q3
2W	+0.56%	+0.33%	+0.23	17 / 50	Q2
1M	+0.86%	+0.17%	+0.69	3 / 50	Q1
3M	+1.87%	-0.05%	+1.92	6 / 49	Q1
6M	+2.57%	+0.58%	+1.99	3 / 48	Q1
YTD	+2.71%	+0.44%	+2.28	2 / 48	Q1
1Y	+1.57%	-0.07%	+1.64	15 / 48	Q2
2Y	+5.43%	+3.72%	+1.70	17 / 47	Q2
3Y	+6.42%	+4.38%	+2.04	9 / 46	Q1
4Y	+6.80%	+4.72%	+2.09	7 / 44	Q1
5Y	+5.42%	+3.72%	+1.70	14 / 42	Q2
7Y	+6.79%	+4.46%	+2.34	6 / 42	Q1
10Y	+7.43%	+4.82%	+2.62	6 / 42	Q1
Inception	+7.71%	+5.09%	+2.63	7 / 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	+2.71%	+0.03%	+2.69	1 / 35
2025	+3.95%	+3.16%	+0.79	19 / 37
2024	+10.87%	+7.11%	+3.75	2 / 37
2023	+6.47%	+5.56%	+0.92	24 / 37
2022	+1.35%	+1.37%	-0.02	25 / 37
2021	+1.98%	+1.03%	+0.94	18 / 37
2020	+13.12%	+8.25%	+4.87	1 / 37
2019	+13.70%	+8.56%	+5.14	1 / 37
2018	+7.73%	+3.47%	+4.26	1 / 47
2017	+2.57%	+0.07%	+2.50	13 / 47
2016	+13.65%	+11.27%	+2.38	22 / 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

+8.04%

201 windows

min -6.2% · max 18.3%

97% positive

3-Year rolling

+8.40%

177 windows

min 2.2% · max 12.8%

100% positive

5-Year rolling

+8.49%

153 windows

min 4.7% · max 12.0%

100% positive

7-Year rolling

+8.67%

128 windows

min 6.5% · max 10.6%

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

4.28%

3-year · annualised

Sharpe ratio

-0.04

vs risk-free 6.5%

Sortino ratio

-0.09

Downside-only deviation

Max drawdown

-4.23%

May 2025 → Aug 2025

% 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
3 Jun 2026	₹36.3209
2 Jun 2026	₹36.3588
1 Jun 2026	₹36.3245
31 May 2026	₹36.3370
29 May 2026	₹36.3313
27 May 2026	₹36.3272
26 May 2026	₹36.3210
25 May 2026	₹36.3023
22 May 2026	₹36.1798
21 May 2026	₹36.1981

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 03 Jun 2026, the NAV of IDFC GSF - Investment Plan -PLAN B GROWTH is ₹36.3209. It's a Gilt Fund from IDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

IDFC GSF - Investment Plan -PLAN B GROWTH has NAV history starting from 04 Dec 2008, a track record of about 17 years 5 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.

IDFC GSF - Investment Plan -PLAN B GROWTH is managed by IDFC. 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, IDFC GSF - Investment Plan -PLAN B GROWTH has delivered a absolute return of 1.57% — +1.64 pp ahead of the Gilt Fund category average of -0.07%. The fund ranks #15 of 48 in its category — the second (Q2) quartile.

Over the trailing 3-year window, IDFC GSF - Investment Plan -PLAN B GROWTH has delivered a CAGR of 6.42% — +2.04 pp ahead of the Gilt Fund category average of 4.38%. The fund ranks #9 of 46 in its category — the top (Q1) quartile.

Over the trailing 5-year window, IDFC GSF - Investment Plan -PLAN B GROWTH has delivered a CAGR of 5.42% — +1.7 pp ahead of the Gilt Fund category average of 3.72%. The fund ranks #14 of 42 in its category — the second (Q2) quartile.

₹1 lakh invested in IDFC GSF - Investment Plan -PLAN B GROWTH exactly 10 years ago would be worth approximately ₹204,803 today — a multiplier of 2.05×, based on the 10-year CAGR of 7.43%. The category average over the same window would have grown ₹1 lakh to ₹160,073.

A ₹10,000 monthly SIP in IDFC GSF - Investment Plan -PLAN B GROWTH over the last 5 years — total invested ₹600,000 — would be worth ₹698,653 today. That's an XIRR (money-weighted annualised return) of 6.02%.

A ₹10,000 monthly SIP for 10 years in IDFC GSF - Investment Plan -PLAN B GROWTH = ₹1,200,000 invested. It would currently be worth ₹1,686,064 (multiplier 1.41×). XIRR: 6.61%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, IDFC GSF - Investment Plan -PLAN B GROWTH ranks #14 out of 42 funds in the Gilt Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 3.72%; this fund delivered 5.42%.

The worst peak-to-trough decline IDFC GSF - Investment Plan -PLAN B GROWTH has experienced over the last 5-year window is 4.23% — its NAV fell from a high on 16 May 2025 to a low on 29 Aug 2025. 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, IDFC GSF - Investment Plan -PLAN B GROWTH averaged 8.49% (best 11.95%, worst 4.75%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.30 — negative risk-adjusted performance.

In calendar year 2025, IDFC GSF - Investment Plan -PLAN B GROWTH returned 3.95% — beating the Gilt Fund category average of 3.16% by 0.79 pp. It ranked #19 of 37 in its category that year.

IDFC GSF - Investment Plan -PLAN B 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. IDFC GSF - Investment Plan -PLAN B 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: 4.2%. 5-year CAGR: 5.42%.

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

IDFC GSF - Investment Plan -PLAN B 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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