Should I invest in Union Gilt Fund - Annual IDCW Option?

We don't give personal investment advice. Union Gilt Fund - Regular Plan - Annual IDCW 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.

Union

Union Gilt Fund - Regular Plan - Annual IDCW Option

Latest NAV

₹12.3053

As of

17 Jul 2026

948 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	-0.32%	-0.21%	-0.11	25 / 26	Q4
1W	-0.71%	-0.52%	-0.19	21 / 26	Q4
2W	-0.80%	-0.46%	-0.33	25 / 26	Q4
1M	+1.72%	+1.28%	+0.44	11 / 26	Q2
3M	+2.46%	+2.25%	+0.21	13 / 26	Q2
6M	+2.38%	+2.35%	+0.02	18 / 26	Q3
YTD	+1.25%	+1.93%	-0.68	20 / 25	Q4
1Y	+0.38%	+1.27%	-0.89	21 / 25	Q4
2Y	+3.86%	+3.07%	+0.78	14 / 23	Q3
3Y	+5.08%	+3.80%	+1.28	12 / 23	Q3
4Y	+5.19%	+4.34%	+0.85	12 / 22	Q3
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+5.30%	+3.08%	+2.23	8 / 26	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
2026 YTD	+1.25%	+1.93%	-0.68	20 / 25
2025	+3.19%	+2.10%	+1.09	10 / 24
2024	+8.95%	+6.37%	+2.58	8 / 23
2023	+6.53%	+4.50%	+2.03	5 / 24
2022	—	—	—	—

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

+5.70%

36 windows

min -4.8% · max 12.0%

92% positive

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

3-Year rolling

+5.55%

12 windows

min 3.9% · max 7.0%

100% positive

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

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

3.80%

3-year · annualised

Sharpe ratio

-0.38

vs risk-free 6.5%

Sortino ratio

-0.63

Downside-only deviation

Max drawdown

-6.86%

May 2025 → Apr 2026

% positive months

69.4%

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
SBI MGLT- GROWTH - PF (Regular) Option	SBI	₹43.9023	17 Jul 2026
Bandhan Gilt Fund - Regular - Plan B - Half Yearly IDCW	Bandhan	₹11.7111	17 Jul 2026
quant Gilt Fund - IDCW Option - Regular Plan	Quant	₹12.1483	17 Jul 2026
Kotak Gilt-Investment Regular-Dividend	Kotak Mahindra	₹19.0286	17 Jul 2026
Edelweiss Government Securities Fund - Regular Plan - Annual - IDCW Option	Edelweiss	₹25.0948	17 Jul 2026
HSBC Gilt Fund - Regular Quarterly IDCW	HSBC	₹10.2431	17 Jul 2026
Axis Gilt Fund - Regular Plan - Half Yearly IDCW	Axis	₹12.0962	17 Jul 2026
Bajaj Finserv Gilt Fund - Regular - IDCW	Bajaj Finserv	₹1,063.8837	17 Jul 2026
Groww Gilt Fund - Regular - IDCW	Groww	₹9.8921	17 Jul 2026
LIC MF Govt Securities Fund-Regular Plan (D)	LIC	₹17.4277	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹12.3053
16 Jul 2026	₹12.3449
15 Jul 2026	₹12.3214
14 Jul 2026	₹12.2992
13 Jul 2026	₹12.3802
10 Jul 2026	₹12.3929
9 Jul 2026	₹12.3570
8 Jul 2026	₹12.3390
7 Jul 2026	₹12.4065
6 Jul 2026	₹12.4221

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 17 Jul 2026, the NAV of Union Gilt Fund - Regular Plan - Annual IDCW Option is ₹12.3053. It's a Gilt Fund from Union, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Union Gilt Fund - Regular Plan - Annual IDCW Option has NAV history starting from 17 Aug 2022, a track record of about 3 years 11 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

Union Gilt Fund - Regular Plan - Annual IDCW Option is managed by Union. 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, Union Gilt Fund - Regular Plan - Annual IDCW Option has delivered a absolute return of 0.38% — -0.89 pp behind the Gilt Fund category average of 1.27%. The fund ranks #21 of 25 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Union Gilt Fund - Regular Plan - Annual IDCW Option has delivered a CAGR of 5.08% — +1.28 pp ahead of the Gilt Fund category average of 3.80%. The fund ranks #12 of 23 in its category — the third (Q3) quartile.

Union Gilt Fund - Regular Plan - Annual IDCW Option 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 Union Gilt Fund - Regular Plan - Annual IDCW Option exactly 3 years ago would be worth approximately ₹116,022 today — a multiplier of 1.16×, based on the 3-year CAGR of 5.08%. The category average over the same window would have grown ₹1 lakh to ₹111,830.

A ₹10,000 monthly SIP in Union Gilt Fund - Regular Plan - Annual IDCW Option over the last 3 years — total invested ₹360,000 — would be worth ₹382,934 today. That's an XIRR (money-weighted annualised return) of 4.05%.

Union Gilt Fund - Regular Plan - Annual IDCW Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹382,934 — XIRR 4.05%.

On a 3-year basis, Union Gilt Fund - Regular Plan - Annual IDCW Option ranks #12 out of 23 funds in the Gilt Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.80%; this fund delivered 5.08%.

The worst peak-to-trough decline Union Gilt Fund - Regular Plan - Annual IDCW Option has experienced over the last 3-year window is 6.86% — its NAV fell from a high on 28 May 2025 to a low on 02 Apr 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, Union Gilt Fund - Regular Plan - Annual IDCW Option averaged 5.55% (best 7.00%, worst 3.91%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -0.38 — negative risk-adjusted performance.

In calendar year 2025, Union Gilt Fund - Regular Plan - Annual IDCW Option returned 3.19% — beating the Gilt Fund category average of 2.10% by 1.09 pp. It ranked #10 of 24 in its category that year.

Union Gilt Fund - Regular Plan - Annual IDCW 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. Union Gilt Fund - Regular Plan - Annual IDCW 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.

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