Should I invest in Principal Gilt Fund-Investment?

We don't give personal investment advice. Principal Gilt Fund-Investment-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: 8.9%. 5-year CAGR: 8.92%.

PRINCIPAL

Principal Gilt Fund-Investment-Growth

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	29 / 67	Q2
1W	+0.11%	-10.06%	+10.16	34 / 69	Q2
2W	-0.15%	-9.67%	+9.52	52 / 73	Q3
1M	-0.20%	-9.89%	+9.68	42 / 72	Q3
3M	+0.91%	-12.90%	+13.82	25 / 76	Q2
6M	+3.41%	-12.24%	+15.66	18 / 76	Q1
YTD	+2.99%	-12.22%	+15.21	23 / 75	Q2
1Y	+6.61%	-10.28%	+16.89	21 / 75	Q2
2Y	+8.85%	-12.45%	+21.30	7 / 71	Q1
3Y	+10.84%	-16.88%	+27.71	3 / 70	Q1
4Y	+10.30%	-23.11%	+33.42	5 / 65	Q1
5Y	+8.92%	-27.10%	+36.03	6 / 60	Q1
7Y	+8.08%	-19.22%	+27.30	8 / 49	Q1
10Y	+7.47%	-13.58%	+21.05	6 / 23	Q2
Inception	+7.22%	-18.29%	+25.51	11 / 85	Q1

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	+2.99%	-1.07%	+4.07	6 / 23
2016	+14.15%	+8.41%	+5.74	7 / 27
2015	+6.86%	+0.91%	+5.96	7 / 36
2014	+15.73%	+5.14%	+10.59	12 / 43
2013	+1.79%	-3.23%	+5.02	21 / 48
2012	+8.55%	+5.57%	+2.98	14 / 55
2011	+3.73%	+2.07%	+1.66	30 / 59
2010	+3.61%	+0.75%	+2.86	24 / 68
2009	-8.55%	-6.22%	-2.33	34 / 65
2008	+22.06%	+7.61%	+14.45	11 / 63
2007	+6.41%	+1.73%	+4.68	6 / 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

+7.55%

128 windows

min -2.4% · max 17.7%

98% positive

3-Year rolling

+6.96%

104 windows

min -0.5% · max 13.2%

99% positive

5-Year rolling

+6.65%

80 windows

min 2.5% · max 10.4%

100% positive

7-Year rolling

+6.67%

55 windows

min 5.4% · max 8.3%

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

4.56%

3-year · annualised

Sharpe ratio

0.86

vs risk-free 6.5%

Sortino ratio

2.00

Downside-only deviation

Max drawdown

-4.50%

Nov 2016 → Mar 2017

% positive months

77.8%

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
29 Sep 2017	₹34.3745
28 Sep 2017	₹34.3710
27 Sep 2017	₹34.3400
26 Sep 2017	₹34.3420
25 Sep 2017	₹34.4029
22 Sep 2017	₹34.3384
21 Sep 2017	₹34.3145
20 Sep 2017	₹34.4492
19 Sep 2017	₹34.4280
18 Sep 2017	₹34.4248

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-Growth 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-Growth 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-Growth 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-Growth has delivered a absolute return of 6.61% — +16.89 pp ahead of the Gilt category average of -10.28%. The fund ranks #21 of 75 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Principal Gilt Fund-Investment-Growth has delivered a CAGR of 10.84% — +27.71 pp ahead of the Gilt category average of -16.88%. The fund ranks #3 of 70 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Principal Gilt Fund-Investment-Growth has delivered a CAGR of 8.92% — +36.03 pp ahead of the Gilt category average of -27.10%. The fund ranks #6 of 60 in its category — the top (Q1) quartile.

₹1 lakh invested in Principal Gilt Fund-Investment-Growth exactly 10 years ago would be worth approximately ₹205,571 today — a multiplier of 2.06×, based on the 10-year CAGR of 7.47%. 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-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹761,458 today. That's an XIRR (money-weighted annualised return) of 9.45%.

A ₹10,000 monthly SIP for 10 years in Principal Gilt Fund-Investment-Growth = ₹1,200,000 invested. It would currently be worth ₹1,816,639 (multiplier 1.51×). XIRR: 8.03%. 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-Growth ranks #6 out of 60 funds in the Gilt category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -27.10%; this fund delivered 8.92%.

The worst peak-to-trough decline Principal Gilt Fund-Investment-Growth has experienced over the last 5-year window is 8.91% — 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-Growth averaged 6.65% (best 10.36%, worst 2.53%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.45 — weak risk-adjusted performance.

In calendar year 2016, Principal Gilt Fund-Investment-Growth returned 14.15% — beating the Gilt category average of 8.41% by 5.74 pp. It ranked #7 of 27 in its category that year.

Principal Gilt Fund-Investment-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. Principal Gilt Fund-Investment-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: 8.9%. 5-year CAGR: 8.92%.

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