Should I invest in Tata Gilt Securities Fund RIP ( Bonus)?

We don't give personal investment advice. Tata Gilt Securities Fund RIP ( Bonus) 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: 10.5%. 5-year CAGR: 9.75%.

Tata

Tata Gilt Securities Fund RIP ( Bonus)

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	-0.03%	+0.01%	-0.03	49 / 67	Q3
1W	-0.10%	-10.06%	+9.95	53 / 69	Q4
2W	-0.13%	-9.67%	+9.54	50 / 73	Q3
1M	+0.01%	-9.89%	+9.90	36 / 72	Q2
3M	-0.36%	-12.90%	+12.54	50 / 76	Q3
6M	+4.85%	-12.24%	+17.09	7 / 76	Q1
YTD	+4.03%	-12.22%	+16.25	17 / 75	Q1
1Y	+7.13%	-10.28%	+17.40	17 / 75	Q1
2Y	+8.76%	-12.45%	+21.21	8 / 71	Q1
3Y	+9.98%	-16.88%	+26.85	5 / 70	Q1
4Y	+10.61%	-23.11%	+33.72	4 / 65	Q1
5Y	+9.75%	-27.10%	+36.86	4 / 60	Q1
7Y	+9.10%	-19.22%	+28.32	4 / 49	Q1
10Y	+7.76%	-13.58%	+21.34	4 / 23	Q1
Inception	+7.43%	-18.29%	+25.72	8 / 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
2017 YTD	+4.03%	-1.07%	+5.10	3 / 23
2016	+12.79%	+8.41%	+4.37	10 / 27
2015	+6.52%	+0.91%	+5.62	12 / 36
2014	+18.28%	+5.14%	+13.14	8 / 43
2013	+4.65%	-3.23%	+7.88	13 / 48
2012	+9.33%	+5.57%	+3.75	10 / 55
2011	+4.58%	+2.07%	+2.51	27 / 59
2010	+3.87%	+0.75%	+3.12	19 / 68
2009	-10.01%	-6.22%	-3.79	45 / 65
2008	+21.67%	+7.61%	+14.06	13 / 63
2007	+6.91%	+1.73%	+5.18	4 / 53

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

+7.66%

128 windows

min -4.8% · max 19.3%

97% positive

3-Year rolling

+7.45%

105 windows

min 0.1% · max 13.3%

100% positive

5-Year rolling

+7.29%

81 windows

min 2.8% · max 11.4%

100% positive

7-Year rolling

+7.33%

55 windows

min 5.2% · max 9.3%

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

4.77%

3-year · annualised

Sharpe ratio

0.67

vs risk-free 6.5%

Sortino ratio

1.59

Downside-only deviation

Max drawdown

-3.93%

Nov 2016 → Mar 2017

% positive months

72.2%

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
27 Oct 2017	₹25.4323
26 Oct 2017	₹25.4389
25 Oct 2017	₹25.4157
24 Oct 2017	₹25.4471
23 Oct 2017	₹25.4188
18 Oct 2017	₹25.4589
17 Oct 2017	₹25.4340
16 Oct 2017	₹25.4745
13 Oct 2017	₹25.4662
12 Oct 2017	₹25.4181

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.

Tata Gilt Securities Fund RIP ( Bonus) is a Gilt from Tata (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.

Tata Gilt Securities Fund RIP ( Bonus) 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 Securities Fund RIP ( Bonus) is managed by Tata. It's classified by AMFI under the 'Gilt' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Tata Gilt Securities Fund RIP ( Bonus) has delivered a absolute return of 7.13% — +17.4 pp ahead of the Gilt category average of -10.28%. The fund ranks #17 of 75 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Tata Gilt Securities Fund RIP ( Bonus) has delivered a CAGR of 9.98% — +26.85 pp ahead of the Gilt category average of -16.88%. The fund ranks #5 of 70 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Tata Gilt Securities Fund RIP ( Bonus) has delivered a CAGR of 9.75% — +36.86 pp ahead of the Gilt category average of -27.10%. The fund ranks #4 of 60 in its category — the top (Q1) quartile.

₹1 lakh invested in Tata Gilt Securities Fund RIP ( Bonus) exactly 10 years ago would be worth approximately ₹211,068 today — a multiplier of 2.11×, based on the 10-year CAGR of 7.76%. The category average over the same window would have grown ₹1 lakh to ₹23,230.

A ₹10,000 monthly SIP in Tata Gilt Securities Fund RIP ( Bonus) over the last 5 years — total invested ₹600,000 — would be worth ₹766,124 today. That's an XIRR (money-weighted annualised return) of 9.70%.

A ₹10,000 monthly SIP for 10 years in Tata Gilt Securities Fund RIP ( Bonus) = ₹1,200,000 invested. It would currently be worth ₹1,876,818 (multiplier 1.56×). XIRR: 8.65%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Tata Gilt Securities Fund RIP ( Bonus) ranks #4 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 9.75%.

The worst peak-to-trough decline Tata Gilt Securities Fund RIP ( Bonus) has experienced over the last 5-year window is 10.52% — its NAV fell from a high on 28 May 2013 to a low on 19 Aug 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, Tata Gilt Securities Fund RIP ( Bonus) averaged 7.29% (best 11.41%, worst 2.78%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.57 — reasonable risk-adjusted performance.

In calendar year 2016, Tata Gilt Securities Fund RIP ( Bonus) returned 12.79% — beating the Gilt category average of 8.41% by 4.37 pp. It ranked #10 of 27 in its category that year.

Tata Gilt Securities Fund RIP ( Bonus) 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 Securities Fund RIP ( Bonus) 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: 10.5%. 5-year CAGR: 9.75%.

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

Tata Gilt Securities Fund RIP ( Bonus)

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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