Should I invest in SUNDARAM BNP Paribas GILT FUND (APP. OPTION)?

We don't give personal investment advice. SUNDARAM BNP Paribas GILT FUND (APP. 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: 4.0%. 5-year CAGR: 8.23%.

Sundaram BNP Paribas

SUNDARAM BNP Paribas GILT FUND (APP. OPTION)

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	+0.01%	+0.01%	+0.00	28 / 67	Q2
1W	+0.08%	-10.06%	+10.14	41 / 69	Q3
2W	-0.02%	-9.67%	+9.65	44 / 73	Q3
1M	-2.48%	-9.89%	+7.41	62 / 72	Q4
3M	-0.67%	-12.90%	+12.23	56 / 76	Q3
6M	-3.27%	-12.24%	+8.97	58 / 76	Q4
YTD	-1.87%	-12.22%	+10.35	56 / 75	Q3
1Y	+0.35%	-10.28%	+10.63	48 / 75	Q3
2Y	+4.10%	-12.45%	+16.55	30 / 71	Q2
3Y	+4.58%	-16.88%	+21.46	24 / 70	Q2
4Y	+6.19%	-23.11%	+29.30	19 / 65	Q2
5Y	+8.24%	-27.10%	+35.34	12 / 60	Q1
7Y	+8.31%	-19.22%	+27.53	7 / 49	Q1
10Y	+6.74%	-13.58%	+20.32	9 / 23	Q2
Inception	+6.31%	-18.29%	+24.60	21 / 85	Q1

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
2018 YTD	-1.87%	-31.22%	+29.34	8 / 13
2017	+0.50%	-1.07%	+1.57	8 / 23
2016	+11.78%	+8.41%	+3.37	11 / 27
2015	+5.07%	+0.91%	+4.16	22 / 36
2014	+12.37%	+5.14%	+7.24	15 / 43
2013	+19.16%	-3.23%	+22.39	1 / 48
2012	+11.11%	+5.57%	+5.54	4 / 55
2011	+1.62%	+2.07%	-0.45	42 / 59
2010	+2.55%	+0.75%	+1.80	31 / 68
2009	+3.17%	-6.22%	+9.40	5 / 65
2008	+3.96%	+7.61%	-3.66	45 / 63

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

+7.06%

135 windows

min -0.8% · max 19.3%

99% positive

3-Year rolling

+7.37%

109 windows

min 2.3% · max 14.9%

100% positive

5-Year rolling

+7.73%

85 windows

min 2.9% · max 12.0%

100% positive

7-Year rolling

+7.65%

62 windows

min 4.8% · max 9.2%

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

4.67%

3-year · annualised

Sharpe ratio

-0.41

vs risk-free 6.5%

Sortino ratio

-0.82

Downside-only deviation

Max drawdown

-3.97%

Nov 2016 → Feb 2017

% positive months

61.1%

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
4 May 2018	₹27.0031
3 May 2018	₹27.0003
2 May 2018	₹26.9975
27 Apr 2018	₹26.9812
26 Apr 2018	₹26.9665
25 Apr 2018	₹26.9781
24 Apr 2018	₹27.0228
23 Apr 2018	₹26.9691
20 Apr 2018	₹27.0085
19 Apr 2018	₹27.1548

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.

SUNDARAM BNP Paribas GILT FUND (APP. OPTION) is a Gilt from Sundaram BNP Paribas (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.

SUNDARAM BNP Paribas GILT FUND (APP. OPTION) 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.

SUNDARAM BNP Paribas GILT FUND (APP. OPTION) is managed by Sundaram BNP Paribas. It's classified by AMFI under the 'Gilt' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SUNDARAM BNP Paribas GILT FUND (APP. OPTION) has delivered a absolute return of 0.35% — +10.63 pp ahead of the Gilt category average of -10.28%. The fund ranks #48 of 75 in its category — the third (Q3) quartile.

Over the trailing 3-year window, SUNDARAM BNP Paribas GILT FUND (APP. OPTION) has delivered a CAGR of 4.58% — +21.46 pp ahead of the Gilt category average of -16.88%. The fund ranks #24 of 70 in its category — the second (Q2) quartile.

Over the trailing 5-year window, SUNDARAM BNP Paribas GILT FUND (APP. OPTION) has delivered a CAGR of 8.24% — +35.34 pp ahead of the Gilt category average of -27.10%. The fund ranks #12 of 60 in its category — the top (Q1) quartile.

₹1 lakh invested in SUNDARAM BNP Paribas GILT FUND (APP. OPTION) exactly 10 years ago would be worth approximately ₹192,000 today — a multiplier of 1.92×, based on the 10-year CAGR of 6.74%. The category average over the same window would have grown ₹1 lakh to ₹23,230.

A ₹10,000 monthly SIP in SUNDARAM BNP Paribas GILT FUND (APP. OPTION) over the last 5 years — total invested ₹600,000 — would be worth ₹683,232 today. That's an XIRR (money-weighted annualised return) of 5.14%.

A ₹10,000 monthly SIP for 10 years in SUNDARAM BNP Paribas GILT FUND (APP. OPTION) = ₹1,200,000 invested. It would currently be worth ₹1,744,275 (multiplier 1.45×). XIRR: 7.26%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SUNDARAM BNP Paribas GILT FUND (APP. OPTION) ranks #12 out of 60 funds in the Gilt category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -27.10%; this fund delivered 8.23%.

The worst peak-to-trough decline SUNDARAM BNP Paribas GILT FUND (APP. OPTION) has experienced over the last 5-year window is 3.97% — its NAV fell from a high on 24 Nov 2016 to a low on 22 Feb 2017. 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, SUNDARAM BNP Paribas GILT FUND (APP. OPTION) averaged 7.73% (best 11.96%, worst 2.86%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.37 — weak risk-adjusted performance.

In calendar year 2017, SUNDARAM BNP Paribas GILT FUND (APP. OPTION) returned 0.50% — beating the Gilt category average of -1.07% by 1.57 pp. It ranked #8 of 23 in its category that year.

SUNDARAM BNP Paribas GILT FUND (APP. 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. SUNDARAM BNP Paribas GILT FUND (APP. 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: 4.0%. 5-year CAGR: 8.23%.

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

SUNDARAM BNP Paribas GILT FUND (APP. OPTION)

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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