Should I invest in Principal Gilt Fund-Investment?

We don't give personal investment advice. Principal Gilt Fund-Investment-Dividend - Quarterly 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: 11.2%. 5-year CAGR: 1.19%.

PRINCIPAL

Principal Gilt Fund-Investment-Dividend - Quarterly

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	+0.01%	+0.01%	+0.00	26 / 67	Q2
1W	+0.11%	-10.06%	+10.16	33 / 69	Q2
2W	-1.34%	-9.67%	+8.33	60 / 73	Q4
1M	-1.39%	-9.89%	+8.50	58 / 72	Q4
3M	-0.29%	-12.90%	+12.61	47 / 76	Q3
6M	-1.25%	-12.24%	+10.99	49 / 76	Q3
YTD	-1.65%	-12.22%	+10.57	55 / 75	Q3
1Y	-0.79%	-10.28%	+9.49	55 / 75	Q3
2Y	-0.13%	-12.45%	+12.32	45 / 71	Q3
3Y	+0.64%	-16.88%	+17.52	42 / 70	Q3
4Y	+1.89%	-23.11%	+25.01	28 / 65	Q2
5Y	+1.19%	-27.10%	+28.30	27 / 60	Q2
7Y	+1.32%	-19.22%	+20.54	24 / 49	Q2
10Y	+0.86%	-13.58%	+14.45	14 / 23	Q3
Inception	+0.73%	-18.29%	+19.02	54 / 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	-1.65%	-1.07%	-0.58	16 / 23
2016	+1.77%	+8.41%	-6.64	22 / 27
2015	+0.15%	+0.91%	-0.76	29 / 36
2014	+5.63%	+5.14%	+0.49	30 / 43
2013	-1.99%	-3.23%	+1.24	31 / 48
2012	+3.80%	+5.57%	-1.77	32 / 55
2011	-0.67%	+2.07%	-2.73	55 / 59
2010	-1.83%	+0.75%	-2.58	62 / 68
2009	-14.66%	-6.22%	-8.44	59 / 65
2008	+15.51%	+7.61%	+7.90	28 / 63
2007	+0.79%	+1.73%	-0.94	42 / 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

+1.04%

128 windows

min -7.3% · max 13.7%

59% positive

3-Year rolling

+0.80%

104 windows

min -5.9% · max 4.9%

72% positive

5-Year rolling

+0.81%

80 windows

min -2.8% · max 3.2%

78% positive

7-Year rolling

+0.79%

55 windows

min -0.2% · max 1.7%

89% 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

7.13%

3-year · annualised

Sharpe ratio

-0.79

vs risk-free 6.5%

Sortino ratio

-1.04

Downside-only deviation

Max drawdown

-8.05%

Dec 2014 → Jun 2015

% positive months

61.1%

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	₹12.0526
28 Sep 2017	₹12.0513
27 Sep 2017	₹12.0405
26 Sep 2017	₹12.0411
25 Sep 2017	₹12.0625
22 Sep 2017	₹12.0399
21 Sep 2017	₹12.0315
20 Sep 2017	₹12.0787
19 Sep 2017	₹12.0713
18 Sep 2017	₹12.0702

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 - Quarterly 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 - Quarterly 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 - Quarterly 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 - Quarterly has delivered a absolute return of -0.79% — +9.49 pp ahead of the Gilt category average of -10.28%. The fund ranks #55 of 75 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Principal Gilt Fund-Investment-Dividend - Quarterly has delivered a CAGR of 0.64% — +17.52 pp ahead of the Gilt category average of -16.88%. The fund ranks #42 of 70 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Principal Gilt Fund-Investment-Dividend - Quarterly has delivered a CAGR of 1.19% — +28.3 pp ahead of the Gilt category average of -27.10%. The fund ranks #27 of 60 in its category — the second (Q2) quartile.

₹1 lakh invested in Principal Gilt Fund-Investment-Dividend - Quarterly exactly 10 years ago would be worth approximately ₹108,992 today — a multiplier of 1.09×, based on the 10-year CAGR of 0.86%. 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 - Quarterly over the last 5 years — total invested ₹600,000 — would be worth ₹607,613 today. That's an XIRR (money-weighted annualised return) of 0.50%.

A ₹10,000 monthly SIP for 10 years in Principal Gilt Fund-Investment-Dividend - Quarterly = ₹1,200,000 invested. It would currently be worth ₹1,246,447 (multiplier 1.04×). XIRR: 0.75%. 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 - Quarterly ranks #27 out of 60 funds in the Gilt category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -27.10%; this fund delivered 1.19%.

The worst peak-to-trough decline Principal Gilt Fund-Investment-Dividend - Quarterly has experienced over the last 5-year window is 11.16% — its NAV fell from a high on 27 May 2013 to a low on 19 Aug 2013. 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 - Quarterly averaged 0.81% (best 3.21%, worst -2.75%). 78% of rolling windows ended positive. The 5-year Sharpe ratio is -0.76 — negative risk-adjusted performance.

In calendar year 2016, Principal Gilt Fund-Investment-Dividend - Quarterly returned 1.77% — lagging the Gilt category average of 8.41% by 6.64 pp. It ranked #22 of 27 in its category that year.

Principal Gilt Fund-Investment-Dividend - Quarterly 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 - Quarterly 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: 11.2%. 5-year CAGR: 1.19%.

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