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: -0.74%.

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

₹1,218.5847

As of

17 Jul 2026

3,063 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	-0.23%	-0.15%	-0.08	36 / 48	Q3
1W	-0.48%	-0.27%	-0.21	27 / 48	Q3
2W	-0.38%	-0.20%	-0.19	25 / 48	Q3
1M	+2.08%	+0.99%	+1.09	4 / 48	Q1
3M	+3.18%	+2.06%	+1.11	9 / 48	Q1
6M	-0.11%	+2.31%	-2.41	42 / 48	Q4
YTD	-0.92%	+1.92%	-2.84	43 / 48	Q4
1Y	-0.57%	+1.58%	-2.15	37 / 48	Q4
2Y	-10.69%	+2.94%	-13.63	44 / 44	Q4
3Y	-4.35%	+3.59%	-7.94	40 / 41	Q4
4Y	-1.57%	+3.63%	-5.20	37 / 38	Q4
5Y	-0.74%	+2.73%	-3.46	32 / 34	Q4
7Y	+0.74%	+2.36%	-1.62	17 / 30	Q3
10Y	-1.94%	+3.01%	-4.95	27 / 27	Q4
Inception	+0.55%	+3.62%	-3.07	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	-0.92%	+1.64%	-2.56	34 / 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

+3.84%

135 windows

min -34.6% · max 20.2%

81% positive

3-Year rolling

+1.61%

110 windows

min -10.9% · max 14.4%

60% positive

5-Year rolling

-0.56%

87 windows

min -5.3% · max 8.1%

24% positive

7-Year rolling

-0.39%

71 windows

min -4.3% · max 2.1%

38% 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

14.50%

3-year · annualised

Sharpe ratio

-0.67

vs risk-free 6.5%

Sortino ratio

-0.69

Downside-only deviation

Max drawdown

-28.66%

Mar 2025 → Apr 2026

% positive months

66.7%

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 - Monthly IDCW (Reinvestment)	Invesco	₹2,539.2033	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
17 Jul 2026	₹1,218.5847
16 Jul 2026	₹1,221.3757
15 Jul 2026	₹1,219.0383
14 Jul 2026	₹1,216.7519
13 Jul 2026	₹1,223.4967
10 Jul 2026	₹1,224.4776
9 Jul 2026	₹1,220.9863
8 Jul 2026	₹1,218.9794
7 Jul 2026	₹1,224.9672
6 Jul 2026	₹1,225.5899

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 17 Jul 2026, the NAV of Invesco India Gilt Fund - Direct Plan - Annual IDCW (Payout / Reinvestment) is ₹1,218.5847. 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 6 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 -0.57% — -2.15 pp behind the Gilt Fund category average of 1.58%. The fund ranks #37 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 -4.35% — -7.94 pp behind the Gilt Fund category average of 3.59%. The fund ranks #40 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 -0.74% — -3.46 pp behind the Gilt Fund category average of 2.73%. The fund ranks #32 of 34 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 ₹82,232 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 ₹134,548.

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 ₹546,219 today. That's an XIRR (money-weighted annualised return) of -3.68%.

A ₹10,000 monthly SIP for 10 years in Invesco India Gilt Fund - Direct Plan - Annual IDCW (Payout / Reinvestment) = ₹1,100,000 invested. It would currently be worth ₹988,768 (multiplier 0.90×). XIRR: -2.24%. 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 34 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 2.73%; this fund delivered -0.74%.

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 -0.56% (best 8.14%, worst -5.32%). 24% of rolling windows ended positive. The 5-year Sharpe ratio is -0.57 — 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: -0.74%.

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