Kotak Gilt Investment Provident Fund and Trust
Direct · Growth ₹114.34
04 Aug 2026
NAV
8.5%
3Y CAGR
8.3%
5Y CAGR
8.4%
10Y CAGR
8.5%
Weighted CAGR
?
Weighted Mean CAGR
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
3.40
Sharpe
-13.3%
Max Drawdown
?
Max Drawdown
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
NA
TER
If you invested ₹1,00,000 every month via SIP, here's how this fund has historically performed across different time horizons.
| Duration | Invested | Median Value | XIRR | Min XIRR | Max XIRR |
|---|---|---|---|---|---|
| 1 Year | ₹12.00 L | ₹12.45 L | 8.3% | -7.2% | 30.5% |
| 3 Years | ₹36.00 L | ₹40.52 L | 8.4% | 2.8% | 17.6% |
| 5 Years | ₹60.00 L | ₹72.63 L | 8.0% | 4.5% | 11.2% |
| 7 Years | ₹84.00 L | ₹1.10 Cr | 8.1% | 5.2% | 11.0% |
| 10 Years | ₹1.20 Cr | ₹1.80 Cr | 7.7% | 6.2% | 8.5% |
| 12 Years | ₹1.44 Cr | ₹2.33 Cr | 7.8% | 6.7% | 8.7% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | Category avg |
|---|---|---|
| 1 Year | 8.3% | 20.4% |
| 3 Years | 8.4% | 8.0% |
| 5 Years | 8.0% | 7.7% |
| 7 Years | 8.1% | 7.7% |
| 10 Years | 7.7% | 7.5% |
| 12 Years | 7.8% | 7.7% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 8.3% | 8.5% | -3.9% | 21.5% | 0.33 | 0.65 | 94% | — | — |
| 3 Years | 8.5% | 8.1% | 4.8% | 15.6% | 0.86 | 5.16 | 100% | — | — |
| 5 Years | 8.3% | 8.2% | 5.3% | 11.2% | 1.25 | 6.92 | 100% | — | — |
| 10 Years | 8.4% | 8.4% | 7.2% | 9.4% | 3.40 | — | 100% | — | — |
-13.3%
Max Drawdown
3 mo
Drawdown Duration
13 mo
Recovery Time
-1.2%
Avg Drawdown
Calmar Ratio by Duration
0.62
1Y
0.64
3Y
0.62
5Y
0.64
7Y
0.63
10Y
0.64
12Y