Should I invest in Invesco India Gilt Fund - Annual IDCW (Payout / Reinvestment)?

We don't give personal investment advice. Invesco India Gilt Fund - Direct Plan - Annual IDCW (Payout / Reinvestment) 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: 28.7%. 5-year CAGR: -1.46%.

Invesco

Invesco India Gilt Fund - Direct Plan - Annual IDCW (Payout / Reinvestment)

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 22 Apr 2013. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

Latest NAV

₹1,174.6952

As of

3 Jun 2026

3,032 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	+0.08%	+0.06%	+0.02	27 / 48	Q3
1W	+0.13%	+0.18%	-0.05	21 / 48	Q2
2W	+0.77%	+0.60%	+0.17	11 / 48	Q1
1M	-0.08%	+0.25%	-0.33	34 / 48	Q3
3M	-4.48%	-0.44%	-4.03	47 / 48	Q4
6M	-3.55%	+0.24%	-3.79	45 / 48	Q4
YTD	-4.30%	+0.12%	-4.43	47 / 48	Q4
1Y	-4.86%	-1.18%	-3.67	41 / 48	Q4
2Y	-11.78%	+2.32%	-14.10	43 / 43	Q4
3Y	-5.28%	+2.92%	-8.20	41 / 41	Q4
4Y	-2.23%	+3.17%	-5.39	35 / 36	Q4
5Y	-1.46%	+2.31%	-3.77	32 / 33	Q4
7Y	+0.91%	+2.57%	-1.66	17 / 30	Q3
10Y	-1.94%	+2.99%	-4.93	27 / 27	Q4
Inception	+0.29%	+3.38%	-3.09	39 / 48	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
2026 YTD	-4.30%	-0.58%	-3.73	38 / 39
2025	-22.14%	+1.34%	-23.48	38 / 38
2024	+10.98%	+5.54%	+5.44	3 / 35
2023	+7.20%	+4.18%	+3.02	9 / 35
2022	+3.22%	+0.43%	+2.79	3 / 31
2021	+1.56%	-0.22%	+1.79	9 / 31
2020	+8.85%	+5.04%	+3.81	11 / 31
2019	—	—	—	—
2018	—	—	—	—
2017	+1.13%	-0.85%	+1.98	12 / 33
2016	+17.27%	+9.36%	+7.91	8 / 31

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

+3.85%

133 windows

min -34.7% · max 18.9%

83% positive

3-Year rolling

+1.71%

108 windows

min -11.6% · max 13.7%

61% positive

5-Year rolling

-0.65%

83 windows

min -5.3% · max 7.9%

23% positive

7-Year rolling

-0.41%

70 windows

min -4.4% · max 1.8%

37% 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

14.48%

3-year · annualised

Sharpe ratio

-0.74

vs risk-free 6.5%

Sortino ratio

-0.76

Downside-only deviation

Max drawdown

-28.66%

Mar 2025 → Apr 2026

% positive months

72.2%

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	₹12.9019	3 Jun 2026
NIPPON INDIA GILT FUND - Direct Plan - MONTHLY IDCW Option	Nippon India	₹11.5637	3 Jun 2026
SBI Gilt Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.7535	3 Jun 2026
ICICI Prudential Gilt Fund - Direct Plan - IDCW	ICICI Prudential	₹18.1300	3 Jun 2026
Invesco India Gilt Fund - Direct Plan - Monthly IDCW (Reinvestment)	Invesco	₹2,447.7616	3 Jun 2026
Bandhan Gilt Fund - Direct Plan - Annual IDCW	Bandhan	₹12.2891	3 Jun 2026
quant Gilt Fund - IDCW Option - Direct Plan	Quant	₹12.2696	3 Jun 2026
Aditya Birla Sun Life Govenment Securities Fund -DIRECT - Quarterly IDCW	Aditya Birla Sun Life	₹11.4114	3 Jun 2026
Franklin India Government Securities Fund - Direct - IDCW	Franklin India	₹11.8135	3 Jun 2026
Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option - Direct	Kotak	₹23.8598	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,174.6952
2 Jun 2026	₹1,176.9509
1 Jun 2026	₹1,175.9901
29 May 2026	₹1,176.0197
27 May 2026	₹1,175.6491
26 May 2026	₹1,175.4288
25 May 2026	₹1,175.5692
22 May 2026	₹1,169.4792
21 May 2026	₹1,168.7979
20 May 2026	₹1,170.5676

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 Invesco India Gilt Fund - Direct Plan - Annual IDCW (Payout / Reinvestment) is ₹1,174.6952. It's a Gilt Fund from Invesco, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Invesco India Gilt Fund - Direct Plan - Annual IDCW (Payout / Reinvestment) has NAV history starting from 03 Jan 2013, a track record of about 13 years 5 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.

Invesco India Gilt Fund - Direct Plan - Annual IDCW (Payout / Reinvestment) is managed by Invesco. 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, Invesco India Gilt Fund - Direct Plan - Annual IDCW (Payout / Reinvestment) has delivered a absolute return of -4.86% — -3.67 pp behind the Gilt Fund category average of -1.18%. The fund ranks #41 of 48 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Invesco India Gilt Fund - Direct Plan - Annual IDCW (Payout / Reinvestment) has delivered a CAGR of -5.28% — -8.2 pp behind the Gilt Fund category average of 2.92%. The fund ranks #41 of 41 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Invesco India Gilt Fund - Direct Plan - Annual IDCW (Payout / Reinvestment) has delivered a CAGR of -1.46% — -3.77 pp behind the Gilt Fund category average of 2.31%. The fund ranks #32 of 33 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Invesco India Gilt Fund - Direct Plan - Annual IDCW (Payout / Reinvestment) exactly 10 years ago would be worth approximately ₹82,228 today — a multiplier of 0.82×, based on the 10-year CAGR of -1.94%. The category average over the same window would have grown ₹1 lakh to ₹134,259.

A ₹10,000 monthly SIP in Invesco India Gilt Fund - Direct Plan - Annual IDCW (Payout / Reinvestment) over the last 5 years — total invested ₹600,000 — would be worth ₹527,893 today. That's an XIRR (money-weighted annualised return) of -5.01%.

A ₹10,000 monthly SIP for 10 years in Invesco India Gilt Fund - Direct Plan - Annual IDCW (Payout / Reinvestment) = ₹1,110,000 invested. It would currently be worth ₹962,110 (multiplier 0.87×). XIRR: -2.99%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Invesco India Gilt Fund - Direct Plan - Annual IDCW (Payout / Reinvestment) ranks #32 out of 33 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 2.31%; this fund delivered -1.46%.

The worst peak-to-trough decline Invesco India Gilt Fund - Direct Plan - Annual IDCW (Payout / Reinvestment) has experienced over the last 5-year window is 28.66% — its NAV fell from a high on 17 Mar 2025 to a low on 02 Apr 2026. 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, Invesco India Gilt Fund - Direct Plan - Annual IDCW (Payout / Reinvestment) averaged -0.65% (best 7.89%, worst -5.35%). 23% of rolling windows ended positive. The 5-year Sharpe ratio is -0.64 — negative risk-adjusted performance.

In calendar year 2025, Invesco India Gilt Fund - Direct Plan - Annual IDCW (Payout / Reinvestment) returned -22.14% — lagging the Gilt Fund category average of 1.34% by 23.48 pp. It ranked #38 of 38 in its category that year.

Invesco India Gilt Fund - Direct Plan - Annual IDCW (Payout / Reinvestment) 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. Invesco India Gilt Fund - Direct Plan - Annual IDCW (Payout / Reinvestment) 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: 28.7%. 5-year CAGR: -1.46%.

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