Should I invest in Tata Gilt Retirement Plan 28/2/25 Growth Option?

We don't give personal investment advice. Tata Gilt Retirement Plan 28/2/25 Growth 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: 3.1%. 5-year CAGR: 5.15%.

Tata

Tata Gilt Retirement Plan 28/2/25 Growth Option

Latest NAV

₹34.2334

As of

28 Feb 2025

4,568 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	-0.16%	+0.05%	-0.21	47 / 50	Q4
1W	-0.31%	+0.10%	-0.40	48 / 50	Q4
2W	-0.43%	+0.33%	-0.75	49 / 50	Q4
1M	-0.60%	+0.17%	-0.77	49 / 50	Q4
3M	+0.51%	-0.05%	+0.56	12 / 49	Q1
6M	+2.28%	+0.58%	+1.70	4 / 48	Q1
YTD	+0.32%	+0.44%	-0.12	24 / 48	Q2
1Y	+6.19%	-0.07%	+6.26	2 / 48	Q1
2Y	+7.54%	+3.72%	+3.81	3 / 47	Q1
3Y	+6.20%	+4.38%	+1.81	14 / 46	Q2
4Y	+5.41%	+4.72%	+0.69	26 / 44	Q3
5Y	+5.15%	+3.72%	+1.44	17 / 42	Q2
7Y	+6.52%	+4.46%	+2.06	8 / 42	Q1
10Y	+6.22%	+4.82%	+1.40	16 / 42	Q2
Inception	+6.68%	+5.09%	+1.60	25 / 50	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
2025 YTD	+0.32%	+3.16%	-2.84	29 / 37
2024	+8.50%	+7.11%	+1.38	20 / 37
2023	+7.21%	+5.56%	+1.65	9 / 37
2022	+2.44%	+1.37%	+1.07	15 / 37
2021	+1.02%	+1.03%	-0.01	23 / 37
2020	+9.53%	+8.25%	+1.28	23 / 37
2019	+10.06%	+8.56%	+1.50	18 / 37
2018	+4.89%	+3.47%	+1.42	21 / 47
2017	+1.59%	+0.07%	+1.52	20 / 47
2016	+12.79%	+11.27%	+1.52	25 / 46
2015	+6.52%	+3.01%	+3.51	3 / 11

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

+6.88%

219 windows

min -8.4% · max 20.1%

95% positive

3-Year rolling

+6.78%

194 windows

min 2.0% · max 12.9%

100% positive

5-Year rolling

+7.07%

170 windows

min 2.9% · max 11.1%

100% positive

7-Year rolling

+7.28%

146 windows

min 5.1% · max 9.3%

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

2.11%

3-year · annualised

Sharpe ratio

-0.21

vs risk-free 6.5%

Sortino ratio

-0.59

Downside-only deviation

Max drawdown

-1.71%

Sep 2023 → Oct 2023

% 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-Long Term-Dividend	HDFC	₹12.0577	3 Jun 2026
SBI MGLT- DIVIDEND - PF (Fixed Period - 1 Yr) Option	SBI	₹20.7036	3 Jun 2026
ICICI Prudential Gilt Fund-Investment-Dividend	ICICI Prudential	₹17.1914	3 Jun 2026
Templeton India Govt.Sec. Fund-Long Term Plan - Dividend	Franklin Templeton	₹10.6205	3 Jun 2026
Kotak Gilt-Investment Provident Fund and Trust-Dividend	Kotak Mahindra	₹11.6326	3 Jun 2026
DSP BlackRock Government Securities Fund - Dividend	DSP BlackRock	₹12.3761	3 Jun 2026
BARODA PIONEER GILT FUND-Dividend Plan	Baroda Pioneer	₹25.4008	3 Jun 2026
Canara Robeco Gilt PGS-Growth Plan	Canara Robeco	₹75.5222	3 Jun 2026
UTI - GILT ADVANTAGE-LONG TERM PF-DIVIDEND	UTI	₹26.5331	3 Jun 2026
PGIM India Gilt Fund - Quarterly Dividend	PGIM India	₹13.2250	3 Jun 2026

Recent NAVs

Date	NAV
28 Feb 2025	₹34.2334
27 Feb 2025	₹34.2883
25 Feb 2025	₹34.3457
24 Feb 2025	₹34.3583
21 Feb 2025	₹34.3383
20 Feb 2025	₹34.3872
18 Feb 2025	₹34.4204
17 Feb 2025	₹34.4068
14 Feb 2025	₹34.3798
13 Feb 2025	₹34.3707

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 28 Feb 2025, the NAV of Tata Gilt Retirement Plan 28/2/25 Growth Option is ₹34.2334. It's a Gilt Fund from Tata, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Tata Gilt Retirement Plan 28/2/25 Growth 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.

Tata Gilt Retirement Plan 28/2/25 Growth Option is managed by Tata. 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, Tata Gilt Retirement Plan 28/2/25 Growth Option has delivered a absolute return of 6.19% — +6.26 pp ahead of the Gilt Fund category average of -0.07%. The fund ranks #2 of 48 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Tata Gilt Retirement Plan 28/2/25 Growth Option has delivered a CAGR of 6.20% — +1.81 pp ahead of the Gilt Fund category average of 4.38%. The fund ranks #14 of 46 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Tata Gilt Retirement Plan 28/2/25 Growth Option has delivered a CAGR of 5.15% — +1.44 pp ahead of the Gilt Fund category average of 3.72%. The fund ranks #17 of 42 in its category — the second (Q2) quartile.

₹1 lakh invested in Tata Gilt Retirement Plan 28/2/25 Growth Option exactly 10 years ago would be worth approximately ₹182,821 today — a multiplier of 1.83×, based on the 10-year CAGR of 6.22%. The category average over the same window would have grown ₹1 lakh to ₹160,073.

A ₹10,000 monthly SIP in Tata Gilt Retirement Plan 28/2/25 Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹692,450 today. That's an XIRR (money-weighted annualised return) of 5.66%.

A ₹10,000 monthly SIP for 10 years in Tata Gilt Retirement Plan 28/2/25 Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,634,153 (multiplier 1.36×). XIRR: 6.01%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Tata Gilt Retirement Plan 28/2/25 Growth Option ranks #17 out of 42 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 3.72%; this fund delivered 5.15%.

The worst peak-to-trough decline Tata Gilt Retirement Plan 28/2/25 Growth Option has experienced over the last 5-year window is 3.11% — its NAV fell from a high on 05 Jan 2021 to a low on 12 Mar 2021. 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, Tata Gilt Retirement Plan 28/2/25 Growth Option averaged 7.07% (best 11.15%, worst 2.93%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.51 — negative risk-adjusted performance.

In calendar year 2024, Tata Gilt Retirement Plan 28/2/25 Growth Option returned 8.50% — beating the Gilt Fund category average of 7.11% by 1.38 pp. It ranked #20 of 37 in its category that year.

Tata Gilt Retirement Plan 28/2/25 Growth 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. Tata Gilt Retirement Plan 28/2/25 Growth 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: 3.1%. 5-year CAGR: 5.15%.

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

Tata Gilt Retirement Plan 28/2/25 Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Gilt Fund

Recent NAVs

Frequently asked questions

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