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: 5.51%.

PGIM India

PGIM India Gilt Fund - Direct Plan - Growth

Latest NAV

₹32.7743

As of

3 Jun 2026

2,475 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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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%	+0.07%	+0.02	14 / 28	Q2
1W	+0.17%	+0.11%	+0.06	4 / 28	Q1
2W	+0.68%	+0.47%	+0.21	10 / 28	Q2
1M	+0.19%	+0.06%	+0.12	7 / 28	Q1
3M	-0.63%	-0.31%	-0.32	15 / 28	Q3
6M	+0.16%	+0.69%	-0.52	18 / 28	Q3
YTD	-0.36%	+0.17%	-0.53	17 / 28	Q3
1Y	-0.98%	-0.15%	-0.82	16 / 28	Q3
2Y	+4.76%	+5.18%	-0.42	15 / 26	Q3
3Y	+5.96%	+6.21%	-0.26	13 / 26	Q2
4Y	+6.38%	+6.93%	-0.55	17 / 23	Q3
5Y	+5.51%	+5.79%	-0.27	12 / 23	Q3
7Y	+6.35%	+6.63%	-0.28	13 / 20	Q3
10Y	+6.92%	+7.31%	-0.39	13 / 19	Q3
Inception	+7.12%	+7.03%	+0.09	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	-0.36%	+0.07%	-0.43	14 / 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%

113 windows

min -1.0% · max 15.0%

97% positive

3-Year rolling

+7.20%

89 windows

min 4.6% · max 9.7%

100% positive

5-Year rolling

+6.91%

64 windows

min 5.4% · max 8.4%

100% positive

7-Year rolling

+7.17%

40 windows

min 6.3% · 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

3.71%

3-year · annualised

Sharpe ratio

-0.17

vs risk-free 6.5%

Sortino ratio

-0.33

Downside-only deviation

Max drawdown

-3.16%

May 2025 → Apr 2026

% 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 - Growth Option - Direct Plan	HDFC	₹58.9314	3 Jun 2026
Nippon India Gilt Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹43.1241	3 Jun 2026
SBI GILT FUND - DIRECT PLAN - GROWTH	SBI	₹71.2927	3 Jun 2026
ICICI Prudential Gilt Fund - Direct Plan - Growth	ICICI Prudential	₹113.6082	3 Jun 2026
Invesco India Gilt Fund - Direct Plan - Growth	Invesco	₹3,136.7839	3 Jun 2026
Bandhan Gilt Fund - Direct Plan - Growth	Bandhan	₹39.4902	3 Jun 2026
quant Gilt Fund - Growth Option - Direct Plan	Quant	₹12.2761	3 Jun 2026
Aditya Birla Sun Life Government Securities Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹86.1209	3 Jun 2026
Franklin India Government Securities Fund - Direct - Growth	Franklin India	₹66.2016	3 Jun 2026
Kotak Gilt-Investment Provident Fund and Trust-Growth - Direct	Kotak	₹111.0559	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹32.7743
2 Jun 2026	₹32.8092
1 Jun 2026	₹32.7828
29 May 2026	₹32.7955
27 May 2026	₹32.7752
26 May 2026	₹32.7535
25 May 2026	₹32.7537
22 May 2026	₹32.6237
21 May 2026	₹32.5937
20 May 2026	₹32.6344

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 PGIM India Gilt Fund - Direct Plan - Growth is ₹32.7743. 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 2 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 -0.98% — -0.82 pp behind the Gilt Fund category average of -0.15%. The fund ranks #16 of 28 in its category — the third (Q3) quartile.

Over the trailing 3-year window, PGIM India Gilt Fund - Direct Plan - Growth has delivered a CAGR of 5.96% — -0.26 pp behind the Gilt Fund category average of 6.21%. The fund ranks #13 of 26 in its category — the second (Q2) quartile.

Over the trailing 5-year window, PGIM India Gilt Fund - Direct Plan - Growth has delivered a CAGR of 5.51% — -0.27 pp behind the Gilt Fund category average of 5.79%. The fund ranks #12 of 23 in its category — the third (Q3) quartile.

₹1 lakh invested in PGIM India Gilt Fund - Direct Plan - Growth exactly 10 years ago would be worth approximately ₹195,165 today — a multiplier of 1.95×, based on the 10-year CAGR of 6.92%. The category average over the same window would have grown ₹1 lakh to ₹202,416.

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 ₹689,466 today. That's an XIRR (money-weighted annualised return) of 5.50%.

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 ₹1,653,116 (multiplier 1.38×). XIRR: 6.24%. 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 #12 out of 23 funds in the Gilt Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 5.79%; this fund delivered 5.51%.

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 6.91% (best 8.36%, worst 5.43%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.34 — 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: 5.51%.

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

More from PGIM India