Should I invest in Nippon India Gilt Fund - P F Option - Automatic Capital Appreciation Payout Option?

We don't give personal investment advice. Nippon India Gilt Fund - Direct Plan - P F Option - Automatic Capital Appreciation Payout Option 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: 3.7%. 5-year CAGR: 5.46%.

Nippon India

Nippon India Gilt Fund - Direct Plan - P F Option - Automatic Capital Appreciation Payout Option

Latest NAV

₹43.0123

As of

3 Jun 2026

3,112 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%	+0.06%	+0.03	18 / 48	Q2
1W	+0.14%	+0.18%	-0.03	14 / 48	Q2
2W	+0.68%	+0.60%	+0.08	19 / 48	Q2
1M	+0.03%	+0.25%	-0.22	28 / 48	Q3
3M	-0.34%	-0.44%	+0.10	19 / 48	Q2
6M	+0.79%	+0.24%	+0.55	14 / 48	Q2
YTD	+0.15%	+0.12%	+0.03	20 / 48	Q2
1Y	-0.80%	-1.18%	+0.38	14 / 48	Q2
2Y	+4.74%	+2.32%	+2.41	13 / 43	Q2
3Y	+5.76%	+2.92%	+2.84	10 / 41	Q1
4Y	+6.63%	+3.17%	+3.46	6 / 36	Q1
5Y	+5.46%	+2.31%	+3.15	6 / 33	Q1
7Y	+6.71%	+2.57%	+4.14	4 / 30	Q1
10Y	+7.91%	+2.99%	+4.92	2 / 27	Q1
Inception	+8.49%	+3.38%	+5.11	7 / 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
2026 YTD	+0.15%	-0.58%	+0.73	12 / 39
2025	+4.67%	+1.34%	+3.33	8 / 38
2024	+9.95%	+5.54%	+4.41	6 / 35
2023	+7.39%	+4.18%	+3.21	7 / 35
2022	+3.04%	+0.43%	+2.61	8 / 31
2021	+2.78%	-0.22%	+3.00	5 / 31
2020	+11.85%	+5.04%	+6.81	8 / 31
2019	+13.77%	+7.33%	+6.44	5 / 26
2018	+9.04%	+4.31%	+4.73	2 / 31
2017	+3.47%	-0.85%	+4.33	7 / 33
2016	+18.10%	+9.36%	+8.74	5 / 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

+9.23%

147 windows

min -1.0% · max 22.3%

98% positive

3-Year rolling

+9.02%

122 windows

min 4.2% · max 15.9%

100% positive

5-Year rolling

+8.81%

98 windows

min 5.3% · max 12.6%

100% positive

7-Year rolling

+9.02%

74 windows

min 6.7% · max 12.1%

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

3.86%

3-year · annualised

Sharpe ratio

-0.21

vs risk-free 6.5%

Sortino ratio

-0.39

Downside-only deviation

Max drawdown

-3.67%

May 2025 → Aug 2025

% positive months

75.0%

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 - Annual IDCW (Payout / Reinvestment)	Invesco	₹1,174.6952	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	₹43.0123
2 Jun 2026	₹43.0630
1 Jun 2026	₹43.0243
29 May 2026	₹43.0616
27 May 2026	₹43.0055
26 May 2026	₹43.0015
25 May 2026	₹43.0112
22 May 2026	₹42.8473
21 May 2026	₹42.7916
20 May 2026	₹42.8228

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 Nippon India Gilt Fund - Direct Plan - P F Option - Automatic Capital Appreciation Payout Option is ₹43.0123. It's a Gilt Fund from Nippon India, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Nippon India Gilt Fund - Direct Plan - P F Option - Automatic Capital Appreciation Payout Option 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.

Nippon India Gilt Fund - Direct Plan - P F Option - Automatic Capital Appreciation Payout Option is managed by Nippon India. 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, Nippon India Gilt Fund - Direct Plan - P F Option - Automatic Capital Appreciation Payout Option has delivered a absolute return of -0.80% — +0.38 pp ahead of the Gilt Fund category average of -1.18%. The fund ranks #14 of 48 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Nippon India Gilt Fund - Direct Plan - P F Option - Automatic Capital Appreciation Payout Option has delivered a CAGR of 5.76% — +2.84 pp ahead of the Gilt Fund category average of 2.92%. The fund ranks #10 of 41 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Nippon India Gilt Fund - Direct Plan - P F Option - Automatic Capital Appreciation Payout Option has delivered a CAGR of 5.46% — +3.15 pp ahead of the Gilt Fund category average of 2.31%. The fund ranks #6 of 33 in its category — the top (Q1) quartile.

₹1 lakh invested in Nippon India Gilt Fund - Direct Plan - P F Option - Automatic Capital Appreciation Payout Option exactly 10 years ago would be worth approximately ₹214,082 today — a multiplier of 2.14×, based on the 10-year CAGR of 7.91%. The category average over the same window would have grown ₹1 lakh to ₹134,259.

A ₹10,000 monthly SIP in Nippon India Gilt Fund - Direct Plan - P F Option - Automatic Capital Appreciation Payout Option over the last 5 years — total invested ₹600,000 — would be worth ₹689,801 today. That's an XIRR (money-weighted annualised return) of 5.51%.

A ₹10,000 monthly SIP for 10 years in Nippon India Gilt Fund - Direct Plan - P F Option - Automatic Capital Appreciation Payout Option = ₹1,200,000 invested. It would currently be worth ₹1,685,271 (multiplier 1.40×). XIRR: 6.60%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Nippon India Gilt Fund - Direct Plan - P F Option - Automatic Capital Appreciation Payout Option ranks #6 out of 33 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 2.31%; this fund delivered 5.46%.

The worst peak-to-trough decline Nippon India Gilt Fund - Direct Plan - P F Option - Automatic Capital Appreciation Payout Option has experienced over the last 5-year window is 3.67% — its NAV fell from a high on 28 May 2025 to a low on 26 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, Nippon India Gilt Fund - Direct Plan - P F Option - Automatic Capital Appreciation Payout Option averaged 8.81% (best 12.56%, worst 5.29%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.33 — negative risk-adjusted performance.

In calendar year 2025, Nippon India Gilt Fund - Direct Plan - P F Option - Automatic Capital Appreciation Payout Option returned 4.67% — beating the Gilt Fund category average of 1.34% by 3.33 pp. It ranked #8 of 38 in its category that year.

Nippon India Gilt Fund - Direct Plan - P F Option - Automatic Capital Appreciation Payout Option 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. Nippon India Gilt Fund - Direct Plan - P F Option - Automatic Capital Appreciation Payout Option 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: 3.7%. 5-year CAGR: 5.46%.

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

Nippon India Gilt Fund - Direct Plan - P F Option - Automatic Capital Appreciation Payout Option

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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