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

We don't give personal investment advice. Invesco India Gilt Fund - Direct Plan - Quarterly 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: 5.7%. 5-year CAGR: 2.11%.

Invesco

Invesco India Gilt Fund - Direct Plan - Quarterly 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

₹1,127.6237

As of

17 Jul 2026

3,055 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	38 / 48	Q4
1W	-0.48%	-0.27%	-0.21	29 / 48	Q3
2W	-0.38%	-0.20%	-0.19	27 / 48	Q3
1M	+2.08%	+0.99%	+1.09	6 / 48	Q1
3M	+3.18%	+2.06%	+1.11	10 / 48	Q1
6M	+3.65%	+2.31%	+1.35	11 / 48	Q1
YTD	+2.81%	+1.92%	+0.89	15 / 48	Q2
1Y	+3.20%	+1.58%	+1.61	13 / 48	Q2
2Y	+4.55%	+2.94%	+1.60	21 / 44	Q2
3Y	+3.22%	+3.59%	-0.37	22 / 41	Q3
4Y	+2.43%	+3.63%	-1.20	21 / 38	Q3
5Y	+2.11%	+2.73%	-0.62	17 / 34	Q2
7Y	-0.01%	+2.36%	-2.37	21 / 30	Q3
10Y	-0.17%	+3.01%	-3.18	24 / 27	Q4
Inception	+0.73%	+3.62%	-2.88	36 / 48	Q3

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	+2.81%	+1.64%	+1.18	12 / 39
2025	+5.26%	+1.34%	+3.92	3 / 38
2024	+1.51%	+5.54%	-4.03	27 / 35
2023	+0.72%	+4.18%	-3.46	25 / 35
2022	+0.38%	+0.43%	-0.05	16 / 31
2021	-0.70%	-0.22%	-0.48	19 / 31
2020	-0.51%	+5.04%	-5.55	28 / 31
2019	—	—	—	—
2018	—	—	—	—
2017	-3.84%	-0.85%	-2.98	26 / 33
2016	+3.65%	+9.36%	-5.71	24 / 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

+1.29%

133 windows

min -10.0% · max 12.3%

64% positive

3-Year rolling

+0.56%

109 windows

min -6.0% · max 8.9%

54% positive

5-Year rolling

-0.56%

85 windows

min -3.5% · max 2.1%

40% positive

7-Year rolling

-0.55%

70 windows

min -2.8% · max 2.3%

31% 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

4.67%

3-year · annualised

Sharpe ratio

-0.68

vs risk-free 6.5%

Sortino ratio

-1.01

Downside-only deviation

Max drawdown

-5.66%

Mar 2024 → Apr 2024

% positive months

55.6%

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 - 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
17 Jul 2026	₹1,127.6237
16 Jul 2026	₹1,130.2065
15 Jul 2026	₹1,128.0438
14 Jul 2026	₹1,125.9283
13 Jul 2026	₹1,132.1696
10 Jul 2026	₹1,133.0780
9 Jul 2026	₹1,129.8475
8 Jul 2026	₹1,127.9908
7 Jul 2026	₹1,133.5317
6 Jul 2026	₹1,134.1082

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 - Quarterly IDCW (Payout / Reinvestment) is ₹1,127.6237. 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 - Quarterly 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 - Quarterly 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 - Quarterly IDCW (Payout / Reinvestment) has delivered a absolute return of 3.20% — +1.61 pp ahead of the Gilt Fund category average of 1.58%. The fund ranks #13 of 48 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Invesco India Gilt Fund - Direct Plan - Quarterly IDCW (Payout / Reinvestment) has delivered a CAGR of 3.22% — -0.37 pp behind the Gilt Fund category average of 3.59%. The fund ranks #22 of 41 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Invesco India Gilt Fund - Direct Plan - Quarterly IDCW (Payout / Reinvestment) has delivered a CAGR of 2.11% — -0.62 pp behind the Gilt Fund category average of 2.73%. The fund ranks #17 of 34 in its category — the second (Q2) quartile.

₹1 lakh invested in Invesco India Gilt Fund - Direct Plan - Quarterly IDCW (Payout / Reinvestment) exactly 10 years ago would be worth approximately ₹98,305 today — a multiplier of 0.98×, based on the 10-year CAGR of -0.17%. 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 - Quarterly IDCW (Payout / Reinvestment) over the last 5 years — total invested ₹600,000 — would be worth ₹649,090 today. That's an XIRR (money-weighted annualised return) of 3.10%.

A ₹10,000 monthly SIP for 10 years in Invesco India Gilt Fund - Direct Plan - Quarterly IDCW (Payout / Reinvestment) = ₹1,100,000 invested. It would currently be worth ₹1,170,990 (multiplier 1.06×). XIRR: 1.29%. 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 - Quarterly IDCW (Payout / Reinvestment) ranks #17 out of 34 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 2.73%; this fund delivered 2.11%.

The worst peak-to-trough decline Invesco India Gilt Fund - Direct Plan - Quarterly IDCW (Payout / Reinvestment) has experienced over the last 5-year window is 5.66% — its NAV fell from a high on 11 Mar 2024 to a low on 19 Apr 2024. 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 - Quarterly IDCW (Payout / Reinvestment) averaged -0.56% (best 2.11%, worst -3.53%). 40% of rolling windows ended positive. The 5-year Sharpe ratio is -1.03 — negative risk-adjusted performance.

In calendar year 2025, Invesco India Gilt Fund - Direct Plan - Quarterly IDCW (Payout / Reinvestment) returned 5.26% — beating the Gilt Fund category average of 1.34% by 3.92 pp. It ranked #3 of 38 in its category that year.

Invesco India Gilt Fund - Direct Plan - Quarterly 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 - Quarterly 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: 5.7%. 5-year CAGR: 2.11%.

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