Should I invest in Principal Gilt Fund-Savings?

We don't give personal investment advice. Principal Gilt Fund-Savings-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.

PRINCIPAL

Principal Gilt Fund-Savings-Growth

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	-2.52%	+0.01%	-2.52	67 / 67	Q4
1W	-2.50%	-10.06%	+7.56	61 / 69	Q4
2W	-2.48%	-9.67%	+7.20	64 / 73	Q4
1M	-2.40%	-9.89%	+7.49	61 / 72	Q4
3M	-1.90%	-12.90%	+11.00	59 / 76	Q4
6M	-1.32%	-12.24%	+10.92	50 / 76	Q3
YTD	-1.28%	-12.22%	+10.94	54 / 75	Q3
1Y	+1.38%	-10.28%	+11.66	42 / 75	Q3
2Y	+2.81%	-12.45%	+15.25	34 / 71	Q2
3Y	+3.89%	-16.88%	+20.76	26 / 70	Q2
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+3.92%	-18.29%	+22.21	34 / 85	Q2

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
2009 YTD	-1.28%	-6.22%	+4.94	18 / 65
2008	+5.06%	+7.61%	-2.56	42 / 63
2007	+3.64%	+1.73%	+1.92	31 / 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

+4.48%

28 windows

min 1.4% · max 6.6%

100% positive

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

3-Year rolling

+4.64%

4 windows

min 3.9% · max 4.9%

100% 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

2.03%

3-year · annualised

Sharpe ratio

-1.31

vs risk-free 6.5%

Sortino ratio

-1.92

Downside-only deviation

Max drawdown

-2.52%

Jul 2009 → Jul 2009

% positive months

94.4%

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
10 Jul 2009	₹15.0000
9 Jul 2009	₹15.3870
8 Jul 2009	₹15.3863
7 Jul 2009	₹15.3855
6 Jul 2009	₹15.3847
3 Jul 2009	₹15.3844
2 Jul 2009	₹15.3847
30 Jun 2009	₹15.3840
29 Jun 2009	₹15.3832
26 Jun 2009	₹15.3809

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-Savings-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-Savings-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-Savings-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-Savings-Growth has delivered a absolute return of 1.38% — +11.66 pp ahead of the Gilt category average of -10.28%. The fund ranks #42 of 75 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Principal Gilt Fund-Savings-Growth has delivered a CAGR of 3.89% — +20.76 pp ahead of the Gilt category average of -16.88%. The fund ranks #26 of 70 in its category — the second (Q2) quartile.

Principal Gilt Fund-Savings-Growth 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-Savings-Growth exactly 3 years ago would be worth approximately ₹112,119 today — a multiplier of 1.12×, based on the 3-year CAGR of 3.89%. The category average over the same window would have grown ₹1 lakh to ₹57,435.

A ₹10,000 monthly SIP in Principal Gilt Fund-Savings-Growth over the last 3 years — total invested ₹360,000 — would be worth ₹373,311 today. That's an XIRR (money-weighted annualised return) of 2.37%.

Principal Gilt Fund-Savings-Growth doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹373,311 — XIRR 2.37%.

On a 3-year basis, Principal Gilt Fund-Savings-Growth ranks #26 out of 70 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 -16.88%; this fund delivered 3.89%.

The worst peak-to-trough decline Principal Gilt Fund-Savings-Growth has experienced over the last 3-year window is 2.52% — its NAV fell from a high on 09 Jul 2009 to a low on 10 Jul 2009. 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-Savings-Growth averaged 4.64% (best 4.92%, worst 3.89%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -1.31 — negative risk-adjusted performance.

In calendar year 2008, Principal Gilt Fund-Savings-Growth returned 5.06% — lagging the Gilt category average of 7.61% by 2.56 pp. It ranked #42 of 63 in its category that year.

Principal Gilt Fund-Savings-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-Savings-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.

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