Should I invest in PGIM India Gilt Fund?

We don't give personal investment advice. PGIM India Gilt Fund - Direct Plan - 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: 3.2%. 5-year CAGR: 5.96%.

PGIM India

PGIM India Gilt Fund - Direct Plan - Growth

Latest NAV

₹33.6071

As of

17 Jul 2026

2,506 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	-0.13%	-0.13%	+0.00	9 / 28	Q2
1W	-0.27%	-0.34%	+0.07	9 / 28	Q2
2W	-0.06%	-0.31%	+0.25	5 / 28	Q1
1M	+1.26%	+1.36%	-0.11	19 / 28	Q3
3M	+2.33%	+2.44%	-0.11	20 / 28	Q3
6M	+2.81%	+3.18%	-0.37	23 / 28	Q4
YTD	+2.06%	+2.66%	-0.60	23 / 28	Q4
1Y	+2.10%	+3.05%	-0.96	22 / 28	Q4
2Y	+5.52%	+6.05%	-0.53	18 / 26	Q3
3Y	+6.62%	+6.92%	-0.30	16 / 26	Q3
4Y	+6.82%	+7.32%	-0.50	19 / 24	Q4
5Y	+5.96%	+6.26%	-0.30	18 / 23	Q4
7Y	+6.12%	+6.36%	-0.24	13 / 20	Q3
10Y	+6.95%	+7.29%	-0.34	12 / 19	Q3
Inception	+7.28%	+7.32%	-0.04	19 / 28	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	+2.06%	+2.87%	-0.81	23 / 25
2025	+5.20%	+4.92%	+0.28	11 / 24
2024	+10.24%	+9.80%	+0.43	6 / 23
2023	+7.50%	+7.39%	+0.11	9 / 23
2022	+2.84%	+3.07%	-0.23	15 / 20
2021	+4.04%	+3.02%	+1.02	4 / 20
2020	+9.98%	+11.78%	-1.79	18 / 20
2019	+10.91%	+11.76%	-0.85	14 / 20
2018	+6.46%	+6.33%	+0.13	14 / 23
2017	+3.80%	+2.44%	+1.37	4 / 23
2016	—	—	—	—

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

+7.02%

115 windows

min -1.8% · max 14.7%

99% positive

3-Year rolling

+7.18%

90 windows

min 4.4% · max 9.8%

100% positive

5-Year rolling

+6.92%

66 windows

min 5.4% · max 8.4%

100% positive

7-Year rolling

+7.15%

42 windows

min 6.1% · max 8.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

3.19%

3-year · annualised

Sharpe ratio

0.00

vs risk-free 6.5%

Sortino ratio

0.01

Downside-only deviation

Max drawdown

-3.16%

May 2025 → Apr 2026

% positive months

69.4%

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 - Growth Option - Direct Plan	HDFC	₹60.7021	17 Jul 2026
Nippon India Gilt Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹44.4983	17 Jul 2026
SBI GILT FUND - DIRECT PLAN - GROWTH	SBI	₹72.7778	17 Jul 2026
ICICI Prudential Gilt Fund - Direct Plan - Growth	ICICI Prudential	₹117.0925	17 Jul 2026
Invesco India Gilt Fund - Direct Plan - Growth	Invesco	₹3,253.9767	17 Jul 2026
Bandhan Gilt Fund - Direct Plan - Growth	Bandhan	₹40.8837	17 Jul 2026
quant Gilt Fund - Growth Option - Direct Plan	Quant	₹12.5584	17 Jul 2026
Aditya Birla Sun Life Government Securities Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹88.9498	17 Jul 2026
Franklin India Government Securities Fund - Direct - Growth	Franklin India	₹67.5404	17 Jul 2026
Kotak Gilt-Investment Provident Fund and Trust-Growth - Direct	Kotak	₹114.3952	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹33.6071
16 Jul 2026	₹33.6513
15 Jul 2026	₹33.6101
14 Jul 2026	₹33.5514
13 Jul 2026	₹33.6842
10 Jul 2026	₹33.6994
9 Jul 2026	₹33.6222
8 Jul 2026	₹33.5851
7 Jul 2026	₹33.6944
6 Jul 2026	₹33.7042

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 PGIM India Gilt Fund - Direct Plan - Growth is ₹33.6071. It's a Gilt Fund from PGIM India, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

PGIM India Gilt Fund - Direct Plan - Growth has NAV history starting from 08 Mar 2016, a track record of about 10 years 4 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.

PGIM India Gilt Fund - Direct Plan - Growth is managed by PGIM 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, PGIM India Gilt Fund - Direct Plan - Growth has delivered a absolute return of 2.10% — -0.96 pp behind the Gilt Fund category average of 3.05%. The fund ranks #22 of 28 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, PGIM India Gilt Fund - Direct Plan - Growth has delivered a CAGR of 6.62% — -0.3 pp behind the Gilt Fund category average of 6.92%. The fund ranks #16 of 26 in its category — the third (Q3) quartile.

Over the trailing 5-year window, PGIM India Gilt Fund - Direct Plan - Growth has delivered a CAGR of 5.96% — -0.3 pp behind the Gilt Fund category average of 6.26%. The fund ranks #18 of 23 in its category — the bottom (Q4) quartile.

₹1 lakh invested in PGIM India Gilt Fund - Direct Plan - Growth exactly 10 years ago would be worth approximately ₹195,783 today — a multiplier of 1.96×, based on the 10-year CAGR of 6.95%. The category average over the same window would have grown ₹1 lakh to ₹202,031.

A ₹10,000 monthly SIP in PGIM India Gilt Fund - Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹701,190 today. That's an XIRR (money-weighted annualised return) of 6.17%.

A ₹10,000 monthly SIP for 10 years in PGIM India Gilt Fund - Direct Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,679,350 (multiplier 1.40×). XIRR: 6.54%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, PGIM India Gilt Fund - Direct Plan - Growth ranks #18 out of 23 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 6.26%; this fund delivered 5.96%.

The worst peak-to-trough decline PGIM India Gilt Fund - Direct Plan - Growth has experienced over the last 5-year window is 3.16% — its NAV fell from a high on 28 May 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, PGIM India Gilt Fund - Direct Plan - Growth averaged 6.92% (best 8.44%, worst 5.38%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.24 — negative risk-adjusted performance.

In calendar year 2025, PGIM India Gilt Fund - Direct Plan - Growth returned 5.20% — beating the Gilt Fund category average of 4.92% by 0.28 pp. It ranked #11 of 24 in its category that year.

PGIM India Gilt Fund - Direct Plan - 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. PGIM India Gilt Fund - Direct Plan - 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: 3.2%. 5-year CAGR: 5.96%.

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

PGIM India Gilt Fund - Direct Plan - 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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