Should I invest in Reliance Gilt Securities Fund-P F Option-Automatic Capital Appreciation Payout Option?

We don't give personal investment advice. Reliance Gilt Securities Fund-Institutional Plan-P F Option-Automatic Capital Appreciation Payout Option 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: 11.9%. 5-year CAGR: 11.00%.

Reliance

Reliance Gilt Securities Fund-Institutional Plan-P F Option-Automatic Capital Appreciation Payout Option

Latest NAV

₹23.0785

As of

31 Jul 2017

2,145 NAV records on file

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	+0.00%	+0.04%	-0.04	2 / 2	Q4
1W	-0.38%	-0.12%	-0.25	2 / 2	Q4
2W	+0.25%	+0.45%	-0.21	2 / 2	Q4
1M	+0.67%	+0.33%	+0.34	1 / 2	Q2
3M	+4.77%	+2.28%	+2.49	1 / 2	Q2
6M	+3.97%	+2.35%	+1.62	1 / 2	Q2
YTD	+4.05%	+2.11%	+1.95	1 / 2	Q2
1Y	+11.90%	+5.33%	+6.57	1 / 2	Q2
2Y	+12.56%	+8.32%	+4.24	1 / 2	Q2
3Y	+13.03%	+9.04%	+3.98	1 / 2	Q2
4Y	+11.68%	+8.78%	+2.89	1 / 2	Q2
5Y	+11.00%	+7.85%	+3.14	1 / 2	Q2
7Y	+10.04%	+7.98%	+2.06	1 / 2	Q2
10Y	—	—	—	—	—
Inception	+9.75%	+8.82%	+0.93	1 / 2	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
2017 YTD	+4.05%	+3.23%	+0.82	1 / 2
2016	+16.89%	+16.89%	+0.00	2 / 2
2015	+6.56%	+6.56%	+0.00	1 / 1
2014	+18.92%	+18.92%	+0.00	1 / 1
2013	+2.78%	+2.78%	+0.00	1 / 1
2012	+11.91%	+11.91%	+0.00	1 / 1
2011	+4.77%	+4.77%	+0.00	1 / 1
2010	+3.16%	+3.16%	+0.00	1 / 1
2009	-9.70%	-9.70%	+0.00	1 / 1
2008	—	—	—	—

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

+8.73%

97 windows

min -1.3% · max 20.9%

96% positive

3-Year rolling

+8.76%

73 windows

min -0.6% · max 14.9%

99% positive

5-Year rolling

+8.69%

49 windows

min 3.2% · max 12.3%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+8.55%

24 windows

min 6.8% · max 10.0%

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

5.37%

3-year · annualised

Sharpe ratio

1.10

vs risk-free 6.5%

Sortino ratio

2.97

Downside-only deviation

Max drawdown

-4.27%

Nov 2016 → Mar 2017

% positive months

80.6%

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.

Peers in Gilt Fund

Scheme	Fund house	NAV	As of
HDFC Gilt Fund - IDCW Option - Direct Plan	HDFC	₹12.9019	3 Jun 2026
NIPPON INDIA GILT FUND - Direct Plan - MONTHLY IDCW Option	Nippon India	₹11.5637	3 Jun 2026
SBI Gilt Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.7535	3 Jun 2026
ICICI Prudential Gilt Fund - Direct Plan - IDCW	ICICI Prudential	₹18.1300	3 Jun 2026
Invesco India Gilt Fund - Direct Plan - Annual IDCW (Payout / Reinvestment)	Invesco	₹1,174.6952	3 Jun 2026
Bandhan Gilt Fund - Direct Plan - Annual IDCW	Bandhan	₹12.2891	3 Jun 2026
quant Gilt Fund - IDCW Option - Direct Plan	Quant	₹12.2696	3 Jun 2026
Aditya Birla Sun Life Govenment Securities Fund -DIRECT - Quarterly IDCW	Aditya Birla Sun Life	₹11.4114	3 Jun 2026
Franklin India Government Securities Fund - Direct - IDCW	Franklin India	₹11.8135	3 Jun 2026
Templeton India Govt.Sec. Fund-Long Term Plan - Dividend	Franklin Templeton	₹10.6205	3 Jun 2026

Recent NAVs

Date	NAV
31 Jul 2017	₹23.0785
28 Jul 2017	₹23.0894
27 Jul 2017	₹23.1227
26 Jul 2017	₹23.1176
25 Jul 2017	₹23.1304
24 Jul 2017	₹23.1654
21 Jul 2017	₹23.1272
20 Jul 2017	₹23.0706
19 Jul 2017	₹23.0671
18 Jul 2017	₹23.0322

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.

As of 31 Jul 2017, the NAV of Reliance Gilt Securities Fund-Institutional Plan-P F Option-Automatic Capital Appreciation Payout Option is ₹23.0785. It's a Gilt Fund from Reliance, run as a Institutional plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Reliance Gilt Securities Fund-Institutional Plan-P F Option-Automatic Capital Appreciation Payout Option has NAV history starting from 22 Aug 2008, a track record of about 17 years 9 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.

Reliance Gilt Securities Fund-Institutional Plan-P F Option-Automatic Capital Appreciation Payout Option is managed by Reliance. It's classified by AMFI under the 'Gilt Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Reliance Gilt Securities Fund-Institutional Plan-P F Option-Automatic Capital Appreciation Payout Option has delivered a absolute return of 11.90% — +6.57 pp ahead of the Gilt Fund category average of 5.33%. The fund ranks #1 of 2 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Reliance Gilt Securities Fund-Institutional Plan-P F Option-Automatic Capital Appreciation Payout Option has delivered a CAGR of 13.03% — +3.98 pp ahead of the Gilt Fund category average of 9.04%. The fund ranks #1 of 2 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Reliance Gilt Securities Fund-Institutional Plan-P F Option-Automatic Capital Appreciation Payout Option has delivered a CAGR of 11.00% — +3.14 pp ahead of the Gilt Fund category average of 7.85%. The fund ranks #1 of 2 in its category — the second (Q2) quartile.

₹1 lakh invested in Reliance Gilt Securities Fund-Institutional Plan-P F Option-Automatic Capital Appreciation Payout Option exactly 5 years ago would be worth approximately ₹168,495 today — a multiplier of 1.68×, based on the 5-year CAGR of 11.00%. The category average over the same window would have grown ₹1 lakh to ₹145,944.

A ₹10,000 monthly SIP in Reliance Gilt Securities Fund-Institutional Plan-P F Option-Automatic Capital Appreciation Payout Option over the last 5 years — total invested ₹600,000 — would be worth ₹808,211 today. That's an XIRR (money-weighted annualised return) of 11.85%.

Reliance Gilt Securities Fund-Institutional Plan-P F Option-Automatic Capital Appreciation Payout Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,253,114 — XIRR 11.22%.

On a 5-year basis, Reliance Gilt Securities Fund-Institutional Plan-P F Option-Automatic Capital Appreciation Payout Option ranks #1 out of 2 funds in the Gilt Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 7.85%; this fund delivered 11.00%.

The worst peak-to-trough decline Reliance Gilt Securities Fund-Institutional Plan-P F Option-Automatic Capital Appreciation Payout Option has experienced over the last 5-year window is 11.89% — its NAV fell from a high on 04 Jun 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, Reliance Gilt Securities Fund-Institutional Plan-P F Option-Automatic Capital Appreciation Payout Option averaged 8.69% (best 12.30%, worst 3.21%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.72 — reasonable risk-adjusted performance.

In calendar year 2016, Reliance Gilt Securities Fund-Institutional Plan-P F Option-Automatic Capital Appreciation Payout Option returned 16.89% — beating the Gilt Fund category average of 16.89% by 0.00 pp. It ranked #2 of 2 in its category that year.

Reliance Gilt Securities Fund-Institutional Plan-P F Option-Automatic Capital Appreciation Payout Option 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. Reliance Gilt Securities Fund-Institutional Plan-P F Option-Automatic Capital Appreciation Payout Option 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: 11.9%. 5-year CAGR: 11.00%.

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