Should I invest in Tata Gilt Securities Short Maturity Fund?

We don't give personal investment advice. Tata Gilt Securities Short Maturity Fund - 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+ 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: 5.6%. 5-year CAGR: 1.91%.

Tata

Tata Gilt Securities Short Maturity Fund - DIvidend

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	+0.04%	+0.01%	+0.03	14 / 67	Q1
1W	+0.25%	-10.06%	+10.30	15 / 69	Q1
2W	+0.10%	-9.67%	+9.77	33 / 73	Q2
1M	+0.32%	-9.89%	+10.21	24 / 72	Q2
3M	-0.97%	-12.90%	+11.94	58 / 76	Q4
6M	+1.70%	-12.24%	+13.94	35 / 76	Q2
YTD	+0.23%	-12.22%	+12.45	38 / 75	Q3
1Y	+3.64%	-10.28%	+13.91	37 / 75	Q2
2Y	+2.25%	-12.45%	+14.70	35 / 71	Q2
3Y	+2.14%	-16.88%	+19.02	35 / 70	Q2
4Y	+1.64%	-23.11%	+24.75	30 / 65	Q2
5Y	+1.91%	-27.10%	+29.01	26 / 60	Q2
7Y	+1.83%	-19.22%	+21.05	23 / 49	Q2
10Y	+1.76%	-13.58%	+15.34	12 / 23	Q3
Inception	+1.83%	-18.29%	+20.12	42 / 85	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
2017 YTD	+0.23%	-1.07%	+1.30	9 / 23
2016	+2.57%	+8.41%	-5.84	20 / 27
2015	+1.48%	+0.91%	+0.58	24 / 36
2014	+3.55%	+5.14%	-1.59	35 / 43
2013	+0.34%	-3.23%	+3.57	25 / 48
2012	+1.79%	+5.57%	-3.79	43 / 55
2011	+2.02%	+2.07%	-0.04	38 / 59
2010	-0.77%	+0.75%	-1.51	58 / 68
2009	-6.94%	-6.22%	-0.72	30 / 65
2008	+12.04%	+7.61%	+4.43	32 / 63
2007	+2.40%	+1.73%	+0.68	34 / 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

+1.88%

122 windows

min -5.3% · max 10.6%

80% positive

3-Year rolling

+1.63%

98 windows

min -1.0% · max 3.8%

94% positive

5-Year rolling

+1.53%

73 windows

min -0.8% · max 2.5%

99% positive

7-Year rolling

+1.50%

49 windows

min 0.6% · max 2.0%

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

3.36%

3-year · annualised

Sharpe ratio

-1.28

vs risk-free 6.5%

Sortino ratio

-1.98

Downside-only deviation

Max drawdown

-2.44%

Nov 2016 → Dec 2016

% positive months

63.9%

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
17 Mar 2017	₹12.2900
16 Mar 2017	₹12.2856
15 Mar 2017	₹12.2803
14 Mar 2017	₹12.2658
10 Mar 2017	₹12.2599
9 Mar 2017	₹12.2693
8 Mar 2017	₹12.2621
7 Mar 2017	₹12.2661
6 Mar 2017	₹12.2707
3 Mar 2017	₹12.2779

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 Short Maturity Fund - DIvidend 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 Short Maturity Fund - DIvidend 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 Short Maturity Fund - DIvidend 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 Short Maturity Fund - DIvidend has delivered a absolute return of 3.64% — +13.91 pp ahead of the Gilt category average of -10.28%. The fund ranks #37 of 75 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Tata Gilt Securities Short Maturity Fund - DIvidend has delivered a CAGR of 2.14% — +19.02 pp ahead of the Gilt category average of -16.88%. The fund ranks #35 of 70 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Tata Gilt Securities Short Maturity Fund - DIvidend has delivered a CAGR of 1.91% — +29.01 pp ahead of the Gilt category average of -27.10%. The fund ranks #26 of 60 in its category — the second (Q2) quartile.

₹1 lakh invested in Tata Gilt Securities Short Maturity Fund - DIvidend exactly 10 years ago would be worth approximately ₹119,012 today — a multiplier of 1.19×, based on the 10-year CAGR of 1.76%. The category average over the same window would have grown ₹1 lakh to ₹23,230.

A ₹10,000 monthly SIP in Tata Gilt Securities Short Maturity Fund - DIvidend over the last 5 years — total invested ₹600,000 — would be worth ₹632,068 today. That's an XIRR (money-weighted annualised return) of 2.05%.

A ₹10,000 monthly SIP for 10 years in Tata Gilt Securities Short Maturity Fund - DIvidend = ₹1,200,000 invested. It would currently be worth ₹1,312,695 (multiplier 1.09×). XIRR: 1.77%. 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 Short Maturity Fund - DIvidend ranks #26 out of 60 funds in the Gilt category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -27.10%; this fund delivered 1.91%.

The worst peak-to-trough decline Tata Gilt Securities Short Maturity Fund - DIvidend has experienced over the last 5-year window is 5.61% — its NAV fell from a high on 27 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 Short Maturity Fund - DIvidend averaged 1.53% (best 2.46%, worst -0.83%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is -1.22 — negative risk-adjusted performance.

In calendar year 2016, Tata Gilt Securities Short Maturity Fund - DIvidend returned 2.57% — lagging the Gilt category average of 8.41% by 5.84 pp. It ranked #20 of 27 in its category that year.

Tata Gilt Securities Short Maturity Fund - 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. Tata Gilt Securities Short Maturity Fund - 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: 5.6%. 5-year CAGR: 1.91%.

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