Should I invest in Principal Gilt Fund-Investment?

We don't give personal investment advice. Principal Gilt Fund-Investment-Dividend - Annually 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: 12.3%. 5-year CAGR: -0.26%.

PRINCIPAL

Principal Gilt Fund-Investment-Dividend - Annually

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	+0.01%	+0.01%	+0.00	30 / 67	Q2
1W	+0.10%	-10.06%	+10.16	35 / 69	Q3
2W	-6.82%	-9.67%	+2.86	66 / 73	Q4
1M	-6.86%	-9.89%	+3.02	65 / 72	Q4
3M	-5.82%	-12.90%	+7.08	65 / 76	Q4
6M	-3.49%	-12.24%	+8.76	59 / 76	Q4
YTD	-3.88%	-12.22%	+8.34	61 / 75	Q4
1Y	-0.50%	-10.28%	+9.77	52 / 75	Q3
2Y	-0.49%	-12.45%	+11.95	48 / 71	Q3
3Y	+0.30%	-16.88%	+17.18	47 / 70	Q3
4Y	+0.20%	-23.11%	+23.31	39 / 65	Q3
5Y	-0.26%	-27.10%	+26.84	38 / 60	Q3
7Y	+0.00%	-19.22%	+19.22	34 / 49	Q3
10Y	+0.10%	-13.58%	+13.68	19 / 23	Q4
Inception	-0.12%	-18.29%	+18.17	61 / 85	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
2017 YTD	-3.88%	-1.07%	-2.81	19 / 23
2016	+2.22%	+8.41%	-6.20	21 / 27
2015	-5.23%	+0.91%	-6.14	34 / 36
2014	+6.34%	+5.14%	+1.20	28 / 43
2013	-3.77%	-3.23%	-0.54	36 / 48
2012	+2.40%	+5.57%	-3.17	38 / 55
2011	-0.79%	+2.07%	-2.86	57 / 59
2010	-2.35%	+0.75%	-3.09	64 / 68
2009	-13.62%	-6.22%	-7.40	52 / 65
2008	+16.00%	+7.61%	+8.38	27 / 63
2007	+0.98%	+1.73%	-0.75	41 / 53

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

+0.41%

128 windows

min -7.9% · max 10.8%

52% positive

3-Year rolling

+0.19%

104 windows

min -5.7% · max 3.0%

61% positive

5-Year rolling

+0.12%

80 windows

min -3.0% · max 1.5%

68% positive

7-Year rolling

+0.11%

55 windows

min -1.2% · max 1.4%

65% 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

10.20%

3-year · annualised

Sharpe ratio

-0.56

vs risk-free 6.5%

Sortino ratio

-0.64

Downside-only deviation

Max drawdown

-11.79%

Sep 2015 → Feb 2016

% positive months

72.2%

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.

Recent NAVs

Date	NAV
29 Sep 2017	₹13.1685
28 Sep 2017	₹13.1672
27 Sep 2017	₹13.1553
26 Sep 2017	₹13.1561
25 Sep 2017	₹13.1794
22 Sep 2017	₹13.1547
21 Sep 2017	₹13.1455
20 Sep 2017	₹13.1972
19 Sep 2017	₹13.1890
18 Sep 2017	₹13.1878

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.

Principal Gilt Fund-Investment-Dividend - Annually is a Gilt from PRINCIPAL (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

Principal Gilt Fund-Investment-Dividend - Annually has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

Principal Gilt Fund-Investment-Dividend - Annually is managed by PRINCIPAL. It's classified by AMFI under the 'Gilt' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Principal Gilt Fund-Investment-Dividend - Annually has delivered a absolute return of -0.50% — +9.77 pp ahead of the Gilt category average of -10.28%. The fund ranks #52 of 75 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Principal Gilt Fund-Investment-Dividend - Annually has delivered a CAGR of 0.30% — +17.18 pp ahead of the Gilt category average of -16.88%. The fund ranks #47 of 70 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Principal Gilt Fund-Investment-Dividend - Annually has delivered a CAGR of -0.26% — +26.84 pp ahead of the Gilt category average of -27.10%. The fund ranks #38 of 60 in its category — the third (Q3) quartile.

₹1 lakh invested in Principal Gilt Fund-Investment-Dividend - Annually exactly 10 years ago would be worth approximately ₹101,011 today — a multiplier of 1.01×, based on the 10-year CAGR of 0.10%. The category average over the same window would have grown ₹1 lakh to ₹23,230.

A ₹10,000 monthly SIP in Principal Gilt Fund-Investment-Dividend - Annually over the last 5 years — total invested ₹600,000 — would be worth ₹573,726 today. That's an XIRR (money-weighted annualised return) of -1.76%.

A ₹10,000 monthly SIP for 10 years in Principal Gilt Fund-Investment-Dividend - Annually = ₹1,200,000 invested. It would currently be worth ₹1,150,035 (multiplier 0.96×). XIRR: -0.85%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Principal Gilt Fund-Investment-Dividend - Annually ranks #38 out of 60 funds in the Gilt category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -27.10%; this fund delivered -0.26%.

The worst peak-to-trough decline Principal Gilt Fund-Investment-Dividend - Annually has experienced over the last 5-year window is 12.29% — its NAV fell from a high on 27 May 2013 to a low on 30 Sep 2014. 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, Principal Gilt Fund-Investment-Dividend - Annually averaged 0.12% (best 1.50%, worst -2.96%). 68% of rolling windows ended positive. The 5-year Sharpe ratio is -0.66 — negative risk-adjusted performance.

In calendar year 2016, Principal Gilt Fund-Investment-Dividend - Annually returned 2.22% — lagging the Gilt category average of 8.41% by 6.20 pp. It ranked #21 of 27 in its category that year.

Principal Gilt Fund-Investment-Dividend - Annually 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. Principal Gilt Fund-Investment-Dividend - Annually 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: 12.3%. 5-year CAGR: -0.26%.

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