Should I invest in PGIM India Gilt Fund?

We don't give personal investment advice. PGIM India Gilt Fund - 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: 3.8%. 5-year CAGR: 4.47%.

PGIM India

PGIM India Gilt Fund - Growth

Latest NAV

₹30.0585

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

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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	+0.08%	-0.11%	+0.19	1 / 2	Q2
1W	+0.15%	+0.06%	+0.10	1 / 2	Q2
2W	+0.65%	+0.62%	+0.02	1 / 2	Q2
1M	+0.12%	+0.58%	-0.46	2 / 2	Q4
3M	-0.83%	+0.41%	-1.24	2 / 2	Q4
6M	-0.24%	+0.30%	-0.54	2 / 2	Q4
YTD	-0.70%	+1.05%	-1.75	2 / 2	Q4
1Y	-1.79%	-0.11%	-1.67	2 / 2	Q4
2Y	+3.82%	+4.13%	-0.31	2 / 2	Q4
3Y	+4.96%	+6.11%	-1.15	2 / 2	Q4
4Y	+5.36%	+5.36%	+0.00	1 / 1	Q4
5Y	+4.47%	+4.47%	+0.00	1 / 1	Q4
7Y	+5.35%	+5.35%	+0.00	1 / 1	Q4
10Y	+6.08%	+6.08%	+0.00	1 / 1	Q4
Inception	+6.30%	+6.99%	-0.69	2 / 2	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	-0.70%	-0.70%	+0.00	1 / 1
2025	+4.26%	+4.26%	+0.00	1 / 1
2024	+9.12%	+9.12%	+0.00	1 / 1
2023	+6.40%	+6.40%	+0.00	1 / 1
2022	+1.79%	+1.79%	+0.00	1 / 1
2021	+2.85%	+2.85%	+0.00	1 / 1
2020	+9.04%	+9.04%	+0.00	1 / 1
2019	+10.34%	+10.34%	+0.00	1 / 1
2018	+5.81%	+4.31%	+1.50	1 / 2
2017	+3.54%	+2.93%	+0.61	1 / 2
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

+6.17%

113 windows

min -1.8% · max 14.4%

97% positive

3-Year rolling

+6.30%

89 windows

min 3.5% · max 8.8%

100% positive

5-Year rolling

+5.98%

64 windows

min 4.4% · max 7.7%

100% positive

7-Year rolling

+6.26%

40 windows

min 5.4% · max 7.2%

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

3.70%

3-year · annualised

Sharpe ratio

-0.43

vs risk-free 6.5%

Sortino ratio

-0.78

Downside-only deviation

Max drawdown

-3.84%

May 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 - 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	₹30.0585
2 Jun 2026	₹30.0912
1 Jun 2026	₹30.0677
29 May 2026	₹30.0812
27 May 2026	₹30.0640
26 May 2026	₹30.0448
25 May 2026	₹30.0456
22 May 2026	₹29.9283
21 May 2026	₹29.9014
20 May 2026	₹29.9395

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 - Growth is ₹30.0585. It's a Gilt Fund from PGIM India, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

PGIM India Gilt Fund - 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 - 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 - Growth has delivered a absolute return of -1.79% — -1.67 pp behind the Gilt Fund category average of -0.11%. The fund ranks #2 of 2 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, PGIM India Gilt Fund - Growth has delivered a CAGR of 4.96% — -1.15 pp behind the Gilt Fund category average of 6.11%. The fund ranks #2 of 2 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, PGIM India Gilt Fund - Growth has delivered a CAGR of 4.47% — +0 pp ahead of the Gilt Fund category average of 4.47%. The fund ranks #1 of 1 in its category — the bottom (Q4) quartile.

₹1 lakh invested in PGIM India Gilt Fund - Growth exactly 10 years ago would be worth approximately ₹180,449 today — a multiplier of 1.80×, based on the 10-year CAGR of 6.08%. The category average over the same window would have grown ₹1 lakh to ₹180,449.

A ₹10,000 monthly SIP in PGIM India Gilt Fund - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹672,220 today. That's an XIRR (money-weighted annualised return) of 4.49%.

A ₹10,000 monthly SIP for 10 years in PGIM India Gilt Fund - Growth = ₹1,200,000 invested. It would currently be worth ₹1,571,534 (multiplier 1.31×). XIRR: 5.26%. 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 - Growth ranks #1 out of 1 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 4.47%; this fund delivered 4.47%.

The worst peak-to-trough decline PGIM India Gilt Fund - Growth has experienced over the last 5-year window is 3.84% — 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 - Growth averaged 5.98% (best 7.75%, worst 4.38%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.66 — negative risk-adjusted performance.

In calendar year 2025, PGIM India Gilt Fund - Growth returned 4.26% — beating the Gilt Fund category average of 4.26% by 0.00 pp. It ranked #1 of 1 in its category that year.

PGIM India Gilt Fund - 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 - 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: 3.8%. 5-year CAGR: 4.47%.

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

PGIM India Gilt Fund - 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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