Should I invest in Reliance Gilt Securities Fund-P F Option-Automatic Annual Reinvest Option?

We don't give personal investment advice. Reliance Gilt Securities Fund-Retail Plan-P F Option-Automatic Annual Reinvest 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: 3.9%. 5-year CAGR: 4.58%.

Reliance

Reliance Gilt Securities Fund-Retail Plan-P F Option-Automatic Annual Reinvest Option

Latest NAV

₹31.8471

As of

3 Jun 2026

4,242 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	+0.09%	+0.09%	+0.00	1 / 5	Q1
1W	+0.13%	+0.13%	+0.00	2 / 5	Q2
2W	+0.65%	+0.65%	+0.00	1 / 5	Q1
1M	-0.03%	-0.03%	+0.00	1 / 5	Q1
3M	-0.53%	-0.53%	+0.00	1 / 5	Q1
6M	+0.41%	+0.41%	+0.00	1 / 5	Q1
YTD	-0.16%	-0.16%	+0.00	1 / 5	Q1
1Y	-1.56%	-1.56%	+0.00	1 / 5	Q1
2Y	+3.93%	+3.09%	+0.84	1 / 5	Q1
3Y	+4.95%	+3.96%	+0.99	1 / 5	Q1
4Y	+5.77%	+4.74%	+1.03	1 / 5	Q1
5Y	+4.58%	+3.69%	+0.90	1 / 5	Q1
7Y	+5.79%	+4.63%	+1.16	1 / 5	Q1
10Y	+6.92%	+5.58%	+1.34	1 / 5	Q1
Inception	+6.71%	+6.06%	+0.65	4 / 5	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
2026 YTD	-0.16%	-0.16%	+0.00	1 / 5
2025	+3.86%	+2.89%	+0.98	1 / 5
2024	+9.10%	+7.53%	+1.57	1 / 5
2023	+6.52%	+5.22%	+1.30	1 / 5
2022	+2.07%	+1.80%	+0.27	4 / 5
2021	+1.81%	+1.32%	+0.48	1 / 5
2020	+10.81%	+8.69%	+2.13	1 / 5
2019	+12.76%	+10.49%	+2.27	1 / 5
2018	+7.98%	+6.65%	+1.32	4 / 5
2017	+2.31%	+1.15%	+1.16	4 / 5
2016	+16.77%	+13.81%	+2.96	1 / 5

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

+6.74%

203 windows

min -14.8% · max 20.8%

91% positive

3-Year rolling

+7.18%

180 windows

min -5.4% · max 14.5%

93% positive

5-Year rolling

+7.63%

155 windows

min 0.5% · max 12.4%

100% positive

7-Year rolling

+8.03%

131 windows

min 3.1% · max 10.9%

100% positive

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

3.86%

3-year · annualised

Sharpe ratio

-0.41

vs risk-free 6.5%

Sortino ratio

-0.73

Downside-only deviation

Max drawdown

-3.86%

May 2025 → Aug 2025

% positive months

63.9%

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
3 Jun 2026	₹31.8471
2 Jun 2026	₹31.8853
1 Jun 2026	₹31.8572
29 May 2026	₹31.8868
27 May 2026	₹31.8466
26 May 2026	₹31.8443
25 May 2026	₹31.8521
22 May 2026	₹31.7327
21 May 2026	₹31.6921
20 May 2026	₹31.7159

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 03 Jun 2026, the NAV of Reliance Gilt Securities Fund-Retail Plan-P F Option-Automatic Annual Reinvest Option is ₹31.8471. It's a Gilt Fund from Reliance, run as a Retail plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Reliance Gilt Securities Fund-Retail Plan-P F Option-Automatic Annual Reinvest 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-Retail Plan-P F Option-Automatic Annual Reinvest 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-Retail Plan-P F Option-Automatic Annual Reinvest Option has delivered a absolute return of -1.56% — +0 pp ahead of the Gilt Fund category average of -1.56%. The fund ranks #1 of 5 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Reliance Gilt Securities Fund-Retail Plan-P F Option-Automatic Annual Reinvest Option has delivered a CAGR of 4.95% — +0.99 pp ahead of the Gilt Fund category average of 3.96%. The fund ranks #1 of 5 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Reliance Gilt Securities Fund-Retail Plan-P F Option-Automatic Annual Reinvest Option has delivered a CAGR of 4.58% — +0.9 pp ahead of the Gilt Fund category average of 3.69%. The fund ranks #1 of 5 in its category — the top (Q1) quartile.

₹1 lakh invested in Reliance Gilt Securities Fund-Retail Plan-P F Option-Automatic Annual Reinvest Option exactly 10 years ago would be worth approximately ₹195,269 today — a multiplier of 1.95×, based on the 10-year CAGR of 6.92%. The category average over the same window would have grown ₹1 lakh to ₹172,127.

A ₹10,000 monthly SIP in Reliance Gilt Securities Fund-Retail Plan-P F Option-Automatic Annual Reinvest Option over the last 5 years — total invested ₹600,000 — would be worth ₹675,262 today. That's an XIRR (money-weighted annualised return) of 4.67%.

A ₹10,000 monthly SIP for 10 years in Reliance Gilt Securities Fund-Retail Plan-P F Option-Automatic Annual Reinvest Option = ₹1,200,000 invested. It would currently be worth ₹1,605,203 (multiplier 1.34×). XIRR: 5.67%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Reliance Gilt Securities Fund-Retail Plan-P F Option-Automatic Annual Reinvest Option ranks #1 out of 5 funds in the Gilt Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 3.69%; this fund delivered 4.58%.

The worst peak-to-trough decline Reliance Gilt Securities Fund-Retail Plan-P F Option-Automatic Annual Reinvest Option has experienced over the last 5-year window is 3.86% — its NAV fell from a high on 28 May 2025 to a low on 26 Aug 2025. 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-Retail Plan-P F Option-Automatic Annual Reinvest Option averaged 7.63% (best 12.36%, worst 0.46%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.58 — negative risk-adjusted performance.

In calendar year 2025, Reliance Gilt Securities Fund-Retail Plan-P F Option-Automatic Annual Reinvest Option returned 3.86% — beating the Gilt Fund category average of 2.89% by 0.98 pp. It ranked #1 of 5 in its category that year.

Reliance Gilt Securities Fund-Retail Plan-P F Option-Automatic Annual Reinvest 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-Retail Plan-P F Option-Automatic Annual Reinvest 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: 3.9%. 5-year CAGR: 4.58%.

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