HealthyDirect · GrowthFit for a long SIP
ICICI Prudential Gilt Fund
ICICI Prudential Mutual FundDebt Scheme - Gilt Fund13.8 years
- NAV
- 114.4203
- 30 Oct 2026
- 1Y
- +1.9%
- Trailing CAGR
- AUM
- ₹9,117.79 Cr
- 30 Sept 2026
- Volatility
- Low
- 4.4% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 30 Oct 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · The fund beat the category median in 71% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.58% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -12.3%. Ask whether you can hold through a similar fall.
Vs category
Pass
71% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Watch
Top 10 holdings ≈ 67.3% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+1.9%
- 3Y+6.2%
- 5Y+6.1%
- 10Y+7.1%
- SI+8.1%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+0.2%
- 3Y+4.4%
- 5Y+5.8%
- 10Y+6.8%
- Since inception
- +8.1%
- Calendar-day CAGR
- Excess 1Y
- -0.0%
- Category median, same plan and option
- 3Y win rate
- +71%
- Windows beating the median
- 3Y percentile
- 60
- Vs comparable share classes
- SIP 3Y XIRR
- +4.4%
- Simulated monthly SIP
- Worst rolling 3Y
- +5.3%
- 2620 daily-ending windows
- Median rolling 3Y
- +8.5%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2137 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -12.3%
- Worst peak-to-trough
- Current
- -3.4%
- Below last peak
- Current spell
- 77 days
- Days below latest peak
- Time below peak
- +72%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 9 days
- 262 recovered episodes
- Longest recovery
- 338 days
- Trough to prior peak
27 May 2013 – 23 Jul 2014
Trough 19 Aug 2013 · recovered in 338 days
-12.3%
24 Nov 2016 – 8 Jun 2017
Trough 10 Mar 2017 · recovered in 90 days
-6.8%
3 Aug 2017 – 5 Apr 2018
Trough 22 Feb 2018 · recovered in 42 days
-4.5%
14 Aug 2026 – open
Trough 27 Oct 2026 · not recovered
-3.7%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
60
Vs category
50
Consistency
69
Risk-adjusted
51
Drawdown
69
Mean
60
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 71% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 48 holdings · top 10 are 67.3%.
- Top 5
- 53.9%
- Top 10
- 67.3%
- Largest holding
- 21.2%
- Effective holdings
- 11.7
GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100
Entities
21.2%
GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100
Entities
14.1%
GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100
Entities
8.2%
GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100
Entities
6.8%
7.63% GOI 15092056
Entities
3.5%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
SBI GILT FUND
SBI Mutual Fund
- 1Y
- +3.1%
- 3Y
- +6.5%
- Vol
- 4.0%
- Max DD
- -9.5%
- Sharpe
- 0.69
- 3Y win
- +87%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Bandhan Gilt Fund
Bandhan Mutual Fund
- 1Y
- +7.5%
- 3Y
- +8.3%
- Vol
- 4.1%
- Max DD
- -7.1%
- Sharpe
- 0.66
- 3Y win
- +49%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns
JM G-Sec Fund - (Direct) Annual
JM Financial Asset Management Limited
- 1Y
- +13.0%
- 3Y
- +7.2%
- Vol
- 4.4%
- Max DD
- -5.2%
- Sharpe
- 0.73
- 3Y win
- +100%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility
JM G-Sec Fund - (Direct) Half Yearly
JM Financial Asset Management Limited
- 1Y
- +13.0%
- 3Y
- +7.2%
- Vol
- 4.4%
- Max DD
- -5.2%
- Sharpe
- 0.73
- 3Y win
- +100%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility
JM G-Sec Fund - Annual
JM Financial Asset Management Limited
- 1Y
- +12.2%
- 3Y
- +6.4%
- Vol
- 4.4%
- Max DD
- -5.6%
- Sharpe
- 0.55
- 3Y win
- +100%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility