AMFI Registered MFD · ARN-130934 · Mutual fund investments are subject to market risks. CA Amit Kumar Jain · +91 93522 44475 Poornima Jain · +91 92525 44475 support@plenitude.co.in हिंदी

Nippon India Gilt Fund - Regular Plan - P F Option-Defined Maturity Date Option

Gilt Funds invest at least 80% in government securities, so credit risk is minimal, but prices move with interest rates.

AMC websiteNAV history (AMFI)हिंदी में

Nippon India Mutual FundGilt FundsRegular · Growth
NAV · 16 Oct 2026₹38.6718▲ 0.11% (1 day)
  • Current NAV₹38.6718
  • Fund Size (AUM)—
  • Expense Ratio—
  • 1Y Return+0.97%
  • 3Y Return (CAGR)+5.49%
  • 5Y Return (CAGR)+4.61%
  • Category Rank (3Y)—
  • Riskometer—
  • Min. SIP / Lump sum—
More figures (11)
  • Since Launch (CAGR)+7.71%
  • Benchmark—
  • Volatility (3Y)3.04 %
  • Sharpe Ratio (3Y)-0.33
  • Beta (3Y)—
  • 52-week High / Low₹39.4915 / ₹37.2693
  • Max Drawdown-15.0 %
  • Launched22 Aug 2008
  • Lock-in—
  • Portfolio Turnover—
  • Fund Managers—

Performance chart

Past performance may or may not be sustained in future.

Quick take

  • Over 5 years it returned 4.6% a year.
  • Volatility over 3 years was 3.0% a year, with a Sharpe ratio of -0.33.
  • Its biggest fall from a peak was 15.0% (2 Jan 2009 to 12 Mar 2009).
  • Across all 3-year periods since launch, yearly returns ranged from -1.1% to 14.9% and were positive 100% of the time.

Pros

  • Every 3-year period since launch gave a positive return (lowest -1.1% a year).
  • Long track record of 18.1 years since 22 Aug 2008.

Cons

No standout weaknesses in its record so far.

Pros and cons are generated automatically from the scheme's published figures. They are observations about past data, not a recommendation to invest, switch or redeem.

AI analysis

Plenitude AI reads the figures on this page and explains them in plain language.

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Returns vs benchmark and category

Returns (%)1W1M3M6MYTD1Y2Y3Y5Y7Y10YSince launch
This fund-0.29%-0.55%-1.39%+1.30%+1.59%+0.97%+2.90%+5.49%+4.61%+5.26%+6.21%+7.71%

Point-to-point NAV returns as on 16 Oct 2026; over 1 year, yearly compounded (CAGR). Category: Regular Growth plans in Gilt Funds. Q1 = top quarter by return over that period.

Calendar-year returns

Year2026 YTD2025202420232022202120202019201820172016
This fund+1.59%+3.70%+8.90%+6.73%+2.07%+1.81%+11.22%+12.37%+8.01%+3.41%+16.98%

January to December each year; the current year is to date.

Month-by-month returns (%)

YearJanFebMarAprMayJunJulAugSepOctNovDecYear
2026-0.30.8-2.11.30.23.3-0.7-0.1-0.3-0.5
20250.6-0.32.52.00.4-1.70.4-2.31.50.4-0.10.43.7
20240.91.20.7-0.61.80.70.91.01.5-0.30.40.58.9
20230.30.01.31.31.1-0.10.20.50.1-0.30.91.36.7
2022-0.30.30.0-0.6-1.00.10.71.30.10.11.20.32.1
2021-0.3-2.20.91.10.4-0.10.40.90.7-0.20.7-0.41.8
20200.22.60.82.01.80.70.9-1.60.91.50.50.511.2
20190.10.11.90.03.21.82.90.3-0.20.90.50.412.4
2018-0.6-0.72.6-0.80.40.21.10.10.51.31.82.18.0
20171.2-2.11.40.01.72.20.70.4-0.4-0.2-0.4-1.03.4

Change in NAV from the last business day of one month to the last business day of the next. Positive in 83 of 118 months shown (70%). "Year" is shown for complete calendar years.

Risk and consistency

Risk measure3 years5 years
Volatility (standard deviation) ?3.04%2.69%
Sharpe ratio ?-0.33-0.70
Sortino ratio ?-0.46-0.95
Maximum drawdown-3.86%-3.86%

Rolling 3-year returns (yearly)

Lowest-1.14%
Median+7.90%
Highest+14.89%
Positive100% of periods
Above 12% a year8% of periods

Rolling 5-year returns (yearly)

Lowest+2.18%
Median+8.15%
Highest+12.69%
Positive100% of periods
Above 12% a year0% of periods

Every 3- and 5-year period since launch, checked weekly. It shows how consistent returns were, whenever someone invested.

How it handled market falls

Biggest falls in this fund's NAV

PeakBottomFallBack to the peak onTime to recover
2 Jan 200912 Mar 2009-15.0%22 May 201238 months
4 Jun 201319 Aug 2013-11.9%4 Jun 20149 months
16 Sep 200829 Sep 2008-5.2%10 Oct 200811 days

Falls of 5% or more from a previous high, deepest first. Time to recover runs from the bottom to the day the NAV regained its old high.

SIP returns: ₹10,000 every month

SIP forInvestedValue todayGainXIRR
1Y₹1,20,000₹1,21,041₹1,041+1.61%
3Y₹3,60,000₹3,79,408₹19,408+3.44%
5Y₹6,00,000₹6,74,258₹74,258+4.61%
10Y₹12,00,000₹15,91,929₹3,91,929+5.52%

A ₹10,000 instalment on the same date every month, valued at the latest NAV. XIRR is the yearly return on those dated instalments. Try the SIP calculator.

What your investment would be worth

Worked out from the scheme's weekly NAVs (instalments on the first NAV of each month), so it can differ slightly from your statement. Past performance may or may not be sustained in future. Plan a future SIP.

Compare with all Gilt Funds (35)

S.No.Scheme (Regular plans, Growth)6M %1Y %3Y % CAGR5Y % CAGRExpense ratio %Fund size ₹ Cr
1.Aditya Birla Sun Life Gilt FundAditya Birla Sun Life Mutual Fund——————
2.Axis Gilt FundAxis Mutual Fund——————
3.Bajaj Finserv Gilt FundBajaj Finserv Mutual Fund——————
4.Bandhan 10 year Constant Maturity Gilt FundBandhan Mutual Fund——————
5.Bandhan Gilt FundBandhan Mutual Fund——————
6.BARODA BNP PARIBAS GILT FUNDBaroda BNP Paribas Mutual Fund——————
7.Canara Robeco Gilt FundCanara Robeco Mutual Fund——————
8.DSP 10 year Constant Maturity Gilt FundDSP Mutual Fund——————
9.DSP Gilt FundDSP Mutual Fund——————
10.Edelweiss Gilt FundEdelweiss Mutual Fund——————
11.Franklin India Gilt FundFranklin Templeton Mutual Fund——————
12.Groww Gilt FundGroww Mutual Fund——————
13.HDFC Gilt FundHDFC Mutual Fund——————
14.HDFC Gilt FundHDFC Mutual Fund——————
15.HSBC Gilt FundHSBC Mutual Fund——————
16.ICICI Prudential 10 year Constant Maturity Gilt FundICICI Prudential Mutual Fund——————
17.ICICI Prudential Gilt FundICICI Prudential Mutual Fund——————
18.Invesco India Gilt FundInvesco Mutual Fund——————
19.Kotak Gilt FundKotak Mahindra Mutual Fund——————
20.Kotak Gilt FundKotak Mahindra Mutual Fund——————
21.LIC MF Gilt FundLIC Mutual Fund——————
22.LIC MF Gilt FundLIC Mutual Fund——————
23.Nippon India Gilt FundNippon India Mutual Fund——————
24.Nippon India Gilt FundNippon India Mutual Fund——————
25.PGIM India Gilt FundPGIM India Mutual Fund——————
26.quant Gilt Fundquant Mutual Fund——————
27.SBI 10 YEAR CONSTANT MATURITY GILT FUNDSBI Mutual Fund——————
28.SBI GILT FUNDSBI Mutual Fund——————
29.SBI GILT FUNDSBI Mutual Fund——————
30.SBI GILT FUNDSBI Mutual Fund——————
31.Tata Gilt FundTata Mutual Fund——————
32.Union Gilt FundUnion Mutual Fund——————
33.UTI - Gilt FundUTI Mutual Fund——————
34.UTI - Gilt FundUTI Mutual Fund——————
35.UTI 10 year Constant Maturity Gilt FundUTI Mutual Fund——————
Median: 35 schemes——————

Detailed comparison with another fund About Gilt Funds

Sorted by 3-year return; tap a heading to sort. Expense ratio and fund size are from published scheme data ("—" = not available yet). Sorting by past returns is a way to explore data, not a ranking of which fund to choose.

Scheme details

Fund house
Nippon India Mutual Fund
Category
Gilt Funds · Debt
Plan / option
Regular · Growth
AMFI scheme code
109721
ISIN
INF204K01CB2
Exit load & portfolio
See the scheme's KIM and monthly factsheet on the fund house website.

Tax on your gains

Likely tax treatment: Debt-oriented fund ("specified mutual fund")

  • Units bought on or after 1 April 2023: gains are added to your income and taxed at your slab rate, however long you hold them.
  • No long-term rate or indexation benefit for these units.
  • Dividends (IDCW option) are added to your income and taxed at your slab rate; the fund deducts 10% TDS when they exceed ₹10,000 in a year.
  • Switching from one scheme or plan to another counts as selling and buying.
  • Surcharge and 4% health and education cess apply on top of these rates.
Fund typeShort-termLong-term
Equity-oriented20% (up to 12 months)12.5% above ₹1.25 lakh
Debt-oriented (bought from Apr 2023)Slab rateSlab rate
Gold, international, other hybridSlab rate12.5% (after 12 or 24 months)

Exit load, if any, is set out in the scheme's KIM. Tax rules change from time to time and depend on your situation; please confirm with your tax adviser. This is general information, not tax advice.

Latest news: Nippon India Mutual Fund

Headlines from Google News about this fund house and its schemes over the last 30 days. Lists of "best funds" and buy or sell calls are left out. Links open the publisher's site.

Questions about this scheme

What is the NAV of Nippon India Gilt Fund today?
The latest NAV of Nippon India Gilt Fund - Regular Plan - P F Option-Defined Maturity Date Option is ₹38.6718 as on 16 Oct 2026, as published by AMFI. NAVs are updated every business day evening.
What returns has Nippon India Gilt Fund given?
As on 16 Oct 2026: 1 year +0.97%, 3 years +5.49% a year, 5 years +4.61% a year. Past returns may or may not be sustained in future.
What is the expense ratio of Nippon India Gilt Fund?
See the scheme's latest factsheet on the fund house website for its expense ratio.
How risky is this fund?
Over 3 years its volatility was 3.0% a year and its biggest fall from a peak was 3.9%. Mutual fund investments are subject to market risks.
What is the difference between Direct and Regular plans?
Both plans hold the same portfolio. A Direct plan is bought straight from the fund house and has a lower expense ratio. A Regular plan is bought through a distributor, who is paid a commission from the expense ratio, so its NAV grows slightly slower.
What are Gilt Funds?
Gilt Funds invest at least 80% in government securities, so credit risk is minimal, but prices move with interest rates.
How are gains from Nippon India Gilt Fund taxed?
It is taxed as a debt-oriented fund: for units bought on or after 1 April 2023, gains are taxed at your income-tax slab rate however long you hold them.
Important. NAVs are from AMFI and mfapi.in; benchmark closes from Yahoo Finance; expense ratio, fund size and managers from published scheme data (Kuvera). Figures may be delayed; confirm with the fund house before transacting. Ranks and quartiles are positions by past return and are not a rating or recommendation. Mutual fund investments are subject to market risks; read all scheme-related documents carefully before investing. Plenitude Connect Private Limited is an AMFI-registered Mutual Fund Distributor (ARN-130934) and earns commission from fund houses on Regular plans (see Disclosures).
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