Religare

Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 22 Apr 2013. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

Latest NAV

₹1,331.5750

As of

17 Jul 2026

4,440 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	-0.23%	-0.21%	-0.02	19 / 26	Q3
1W	-0.50%	-0.52%	+0.02	13 / 26	Q2
2W	-0.41%	-0.46%	+0.05	11 / 26	Q2
1M	+2.02%	+1.28%	+0.74	1 / 26	Q1
3M	+2.98%	+2.25%	+0.73	4 / 26	Q1
6M	+3.32%	+2.35%	+0.97	5 / 26	Q1
YTD	+2.45%	+1.93%	+0.52	7 / 25	Q2
1Y	+2.44%	+1.27%	+1.17	5 / 25	Q1
2Y	+4.97%	+3.07%	+1.90	3 / 23	Q1
3Y	+6.27%	+3.80%	+2.47	3 / 23	Q1
4Y	+6.31%	+4.34%	+1.97	3 / 22	Q1
5Y	+5.37%	+3.32%	+2.05	3 / 19	Q1
7Y	+2.40%	+2.66%	-0.25	10 / 19	Q3
10Y	+2.21%	+3.01%	-0.80	8 / 14	Q3
Inception	+1.54%	+3.08%	-1.53	16 / 26	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
2026 YTD	+2.45%	+1.93%	+0.52	7 / 25
2025	+4.41%	+2.10%	+2.31	3 / 24
2024	+10.18%	+6.37%	+3.80	2 / 23
2023	+6.36%	+4.50%	+1.86	8 / 24
2022	+2.35%	+0.99%	+1.36	8 / 19
2021	-2.51%	-0.38%	-2.13	16 / 19
2020	-1.51%	+3.90%	-5.41	17 / 19
2019	+0.27%	+5.60%	-5.33	15 / 19
2018	+6.18%	+4.05%	+2.13	11 / 19
2017	-4.98%	-1.74%	-3.24	15 / 19
2016	+2.01%	+8.76%	-6.74	12 / 15

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

+1.80%

213 windows

min -11.5% · max 13.9%

62% positive

3-Year rolling

+1.50%

189 windows

min -3.9% · max 8.3%

71% positive

5-Year rolling

+1.11%

164 windows

min -2.0% · max 5.4%

78% positive

7-Year rolling

+1.13%

140 windows

min -0.6% · max 3.9%

90% 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

3.61%

3-year · annualised

Sharpe ratio

-0.09

vs risk-free 6.5%

Sortino ratio

-0.18

Downside-only deviation

Max drawdown

-4.71%

May 2025 → Apr 2026

% positive months

69.4%

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.

Peers in Gilt Fund

Scheme	Fund house	NAV	As of
SBI MGLT- GROWTH - PF (Regular) Option	SBI	₹43.9023	17 Jul 2026
Bandhan Gilt Fund - Regular - Plan B - Half Yearly IDCW	Bandhan	₹11.7111	17 Jul 2026
quant Gilt Fund - IDCW Option - Regular Plan	Quant	₹12.1483	17 Jul 2026
Kotak Gilt-Investment Regular-Dividend	Kotak Mahindra	₹19.0286	17 Jul 2026
Edelweiss Government Securities Fund - Regular Plan - Annual - IDCW Option	Edelweiss	₹25.0948	17 Jul 2026
HSBC Gilt Fund - Regular Quarterly IDCW	HSBC	₹10.2431	17 Jul 2026
Axis Gilt Fund - Regular Plan - Half Yearly IDCW	Axis	₹12.0962	17 Jul 2026
Bajaj Finserv Gilt Fund - Regular - IDCW	Bajaj Finserv	₹1,063.8837	17 Jul 2026
Groww Gilt Fund - Regular - IDCW	Groww	₹9.8921	17 Jul 2026
LIC MF Govt Securities Fund-Regular Plan (D)	LIC	₹17.4277	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹1,331.5750
16 Jul 2026	₹1,334.6526
15 Jul 2026	₹1,332.1266
14 Jul 2026	₹1,329.6561
13 Jul 2026	₹1,337.0547
10 Jul 2026	₹1,338.2119
9 Jul 2026	₹1,334.4243
8 Jul 2026	₹1,332.2588
7 Jul 2026	₹1,338.8316
6 Jul 2026	₹1,339.5403

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 17 Jul 2026, the NAV of Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend is ₹1,331.5750. It's a Gilt Fund from Religare, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend has NAV history starting from 11 Feb 2008, a track record of about 18 years 5 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.

Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend is managed by Religare. 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, Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend has delivered a absolute return of 2.44% — +1.17 pp ahead of the Gilt Fund category average of 1.27%. The fund ranks #5 of 25 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend has delivered a CAGR of 6.27% — +2.47 pp ahead of the Gilt Fund category average of 3.80%. The fund ranks #3 of 23 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend has delivered a CAGR of 5.37% — +2.05 pp ahead of the Gilt Fund category average of 3.32%. The fund ranks #3 of 19 in its category — the top (Q1) quartile.

₹1 lakh invested in Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend exactly 10 years ago would be worth approximately ₹124,408 today — a multiplier of 1.24×, based on the 10-year CAGR of 2.21%. The category average over the same window would have grown ₹1 lakh to ₹134,535.

A ₹10,000 monthly SIP in Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹695,214 today. That's an XIRR (money-weighted annualised return) of 5.83%.

A ₹10,000 monthly SIP for 10 years in Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,451,085 (multiplier 1.21×). XIRR: 3.72%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend ranks #3 out of 19 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 3.32%; this fund delivered 5.37%.

The worst peak-to-trough decline Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend has experienced over the last 5-year window is 4.71% — its NAV fell from a high on 28 May 2025 to a low on 02 Apr 2026. 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, Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend averaged 1.11% (best 5.37%, worst -1.98%). 78% of rolling windows ended positive. The 5-year Sharpe ratio is -0.38 — negative risk-adjusted performance.

In calendar year 2025, Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend returned 4.41% — beating the Gilt Fund category average of 2.10% by 2.31 pp. It ranked #3 of 24 in its category that year.

Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend 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. Religare GILT Fund - Long Duration Plan - Regular - Quarterly Dividend 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: 4.7%. 5-year CAGR: 5.37%.

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