Should I invest in Principal Gilt Fund-Investment?

We don't give personal investment advice. Principal Gilt Fund-Investment-Dividend - Half Yearly 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.

PRINCIPAL

Principal Gilt Fund-Investment-Dividend - Half Yearly

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	+0.23%	+0.01%	+0.22	5 / 67	Q1
1W	-3.10%	-10.06%	+6.96	62 / 69	Q4
2W	-3.22%	-9.67%	+6.45	65 / 73	Q4
1M	-3.06%	-9.89%	+6.83	64 / 72	Q4
3M	-3.27%	-12.90%	+9.63	62 / 76	Q4
6M	-4.85%	-12.24%	+7.39	63 / 76	Q4
YTD	-4.81%	-12.22%	+7.41	62 / 75	Q4
1Y	-8.30%	-10.28%	+1.98	62 / 75	Q4
2Y	-3.10%	-12.45%	+9.35	55 / 71	Q4
3Y	-1.44%	-16.88%	+15.43	52 / 70	Q3
4Y	-0.59%	-23.11%	+22.52	44 / 65	Q3
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-0.49%	-18.29%	+17.80	64 / 85	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
2010 YTD	-4.81%	+0.75%	-5.56	66 / 68
2009	-14.06%	-6.22%	-7.84	55 / 65
2008	+15.41%	+7.61%	+7.79	29 / 63
2007	+0.41%	+1.73%	-1.32	43 / 53
2006	—	—	—	—

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

+0.20%

43 windows

min -11.0% · max 15.3%

53% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+0.79%

19 windows

min -1.4% · max 2.4%

84% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

8.51%

3-year · annualised

Sharpe ratio

-0.89

vs risk-free 6.5%

Sortino ratio

-1.32

Downside-only deviation

Max drawdown

-19.45%

Jan 2009 → Sep 2010

% positive months

52.8%

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
23 Sep 2010	₹10.8062
22 Sep 2010	₹10.7818
21 Sep 2010	₹10.7710
20 Sep 2010	₹11.1549
17 Sep 2010	₹11.1424
16 Sep 2010	₹11.1522
15 Sep 2010	₹11.1553
14 Sep 2010	₹11.1553
13 Sep 2010	₹11.1441
9 Sep 2010	₹11.1662

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 - Half Yearly 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 - Half Yearly 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 - Half Yearly 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 - Half Yearly has delivered a absolute return of -8.30% — +1.98 pp ahead of the Gilt category average of -10.28%. The fund ranks #62 of 75 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Principal Gilt Fund-Investment-Dividend - Half Yearly has delivered a CAGR of -1.44% — +15.43 pp ahead of the Gilt category average of -16.88%. The fund ranks #52 of 70 in its category — the third (Q3) quartile.

Principal Gilt Fund-Investment-Dividend - Half Yearly doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in Principal Gilt Fund-Investment-Dividend - Half Yearly exactly 3 years ago would be worth approximately ₹95,736 today — a multiplier of 0.96×, based on the 3-year CAGR of -1.44%. The category average over the same window would have grown ₹1 lakh to ₹57,435.

A ₹10,000 monthly SIP in Principal Gilt Fund-Investment-Dividend - Half Yearly over the last 3 years — total invested ₹360,000 — would be worth ₹338,198 today. That's an XIRR (money-weighted annualised return) of -4.01%.

Principal Gilt Fund-Investment-Dividend - Half Yearly doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹338,198 — XIRR -4.01%.

On a 3-year basis, Principal Gilt Fund-Investment-Dividend - Half Yearly ranks #52 out of 70 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 -16.88%; this fund delivered -1.44%.

The worst peak-to-trough decline Principal Gilt Fund-Investment-Dividend - Half Yearly has experienced over the last 3-year window is 19.45% — its NAV fell from a high on 02 Jan 2009 to a low on 21 Sep 2010. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, Principal Gilt Fund-Investment-Dividend - Half Yearly averaged 0.79% (best 2.42%, worst -1.44%). 84% of rolling windows ended positive. The 3-year Sharpe ratio is -0.89 — negative risk-adjusted performance.

In calendar year 2009, Principal Gilt Fund-Investment-Dividend - Half Yearly returned -14.06% — lagging the Gilt category average of -6.22% by 7.84 pp. It ranked #55 of 65 in its category that year.

Principal Gilt Fund-Investment-Dividend - Half Yearly 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 - Half Yearly 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.

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