Religare

Religare GILT Fund - Short Duration Plan - Regular - Weekly 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).

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%	-0.05%	+0.05	13 / 17	Q4
1W	+0.11%	+0.21%	-0.10	11 / 17	Q3
2W	+0.16%	+0.30%	-0.14	16 / 17	Q4
1M	+0.16%	+0.24%	-0.08	10 / 17	Q3
3M	+0.15%	+1.68%	-1.53	16 / 17	Q4
6M	+0.11%	+2.93%	-2.82	14 / 17	Q4
YTD	+0.02%	+3.53%	-3.51	15 / 17	Q4
1Y	+0.23%	+4.79%	-4.57	12 / 17	Q3
2Y	0.00%	+3.77%	-3.78	15 / 17	Q4
3Y	+1.63%	+3.93%	-2.31	14 / 17	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+0.64%	+4.62%	-3.98	16 / 17	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
2015 YTD	+0.02%	+3.15%	-3.14	10 / 11
2014	+0.10%	+9.33%	-9.23	12 / 12
2013	+4.77%	+2.09%	+2.68	2 / 12
2012	—	—	—	—
2011	—	—	—	—
2010	—	—	—	—
2009	—	—	—	—
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

+1.33%

31 windows

min -0.5% · max 5.1%

61% positive

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

3-Year rolling

+0.74%

17 windows

min -0.2% · max 1.7%

53% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+0.73%

13 windows

min 0.1% · max 1.0%

100% positive

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

7-Year rolling

+0.70%

9 windows

min 0.6% · max 0.8%

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

3.81%

3-year · annualised

Sharpe ratio

-1.26

vs risk-free 6.5%

Sortino ratio

-2.02

Downside-only deviation

Max drawdown

-4.74%

Jan 2013 → Feb 2013

% positive months

58.3%

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
22 Dec 2015	₹1,051.6190
21 Dec 2015	₹1,051.5373
18 Dec 2015	₹1,051.3917
17 Dec 2015	₹1,051.5126
16 Dec 2015	₹1,051.2139
15 Dec 2015	₹1,050.4579
14 Dec 2015	₹1,050.7473
11 Dec 2015	₹1,050.5261
10 Dec 2015	₹1,050.3469
9 Dec 2015	₹1,050.1603

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.

Religare GILT Fund - Short Duration Plan - Regular - Weekly Dividend is a Gilt from Religare (Regular plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

Religare GILT Fund - Short Duration Plan - Regular - Weekly Dividend has NAV history starting from 18 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 - Short Duration Plan - Regular - Weekly Dividend is managed by Religare. It's classified by AMFI under the 'Gilt' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Religare GILT Fund - Short Duration Plan - Regular - Weekly Dividend has delivered a absolute return of 0.23% — -4.57 pp behind the Gilt category average of 4.79%. The fund ranks #12 of 17 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Religare GILT Fund - Short Duration Plan - Regular - Weekly Dividend has delivered a CAGR of 1.63% — -2.31 pp behind the Gilt category average of 3.93%. The fund ranks #14 of 17 in its category — the bottom (Q4) quartile.

Religare GILT Fund - Short Duration Plan - Regular - Weekly Dividend 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 Religare GILT Fund - Short Duration Plan - Regular - Weekly Dividend exactly 3 years ago would be worth approximately ₹104,959 today — a multiplier of 1.05×, based on the 3-year CAGR of 1.63%. The category average over the same window would have grown ₹1 lakh to ₹112,270.

A ₹10,000 monthly SIP in Religare GILT Fund - Short Duration Plan - Regular - Weekly Dividend over the last 3 years — total invested ₹360,000 — would be worth ₹362,507 today. That's an XIRR (money-weighted annualised return) of 0.45%.

Religare GILT Fund - Short Duration Plan - Regular - Weekly Dividend doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹362,507 — XIRR 0.45%.

On a 3-year basis, Religare GILT Fund - Short Duration Plan - Regular - Weekly Dividend ranks #14 out of 17 funds in the Gilt category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 3.93%; this fund delivered 1.63%.

The worst peak-to-trough decline Religare GILT Fund - Short Duration Plan - Regular - Weekly Dividend has experienced over the last 3-year window is 4.74% — its NAV fell from a high on 28 Jan 2013 to a low on 05 Feb 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, Religare GILT Fund - Short Duration Plan - Regular - Weekly Dividend averaged 0.73% (best 1.02%, worst 0.13%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -1.26 — negative risk-adjusted performance.

In calendar year 2014, Religare GILT Fund - Short Duration Plan - Regular - Weekly Dividend returned 0.10% — lagging the Gilt category average of 9.33% by 9.23 pp. It ranked #12 of 12 in its category that year.

Religare GILT Fund - Short Duration Plan - Regular - Weekly 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 - Short Duration Plan - Regular - Weekly 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.

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