Religare

Religare GILT Fund - Long Duration Plan - Regular - Monthly Dividend

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 22 Apr 2013. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

Latest NAV

₹1,651.8716

As of

3 Jul 2026

4,430 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	-0.17%	+0.13%	-0.30	25 / 26	Q4
1W	+0.63%	+0.42%	+0.22	17 / 26	Q3
2W	+2.12%	+1.52%	+0.61	8 / 26	Q2
1M	+4.07%	+3.18%	+0.89	8 / 26	Q2
3M	+6.49%	+5.11%	+1.38	10 / 26	Q2
6M	+2.93%	+2.32%	+0.61	10 / 26	Q2
YTD	+2.87%	+2.50%	+0.37	10 / 25	Q2
1Y	+3.36%	+2.18%	+1.18	7 / 25	Q2
2Y	+5.35%	+3.55%	+1.81	5 / 23	Q1
3Y	+6.58%	+4.17%	+2.42	3 / 23	Q1
4Y	+6.47%	+4.52%	+1.95	4 / 22	Q1
5Y	+5.46%	+3.48%	+1.98	4 / 19	Q1
7Y	+5.20%	+3.04%	+2.16	7 / 19	Q2
10Y	+4.55%	+3.21%	+1.34	6 / 14	Q2
Inception	+2.74%	+3.18%	-0.44	14 / 26	Q3

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	+2.87%	+2.50%	+0.37	10 / 25
2025	+4.41%	+2.10%	+2.31	2 / 24
2024	+10.17%	+6.37%	+3.80	3 / 23
2023	+6.36%	+4.50%	+1.86	9 / 24
2022	+2.35%	+0.99%	+1.36	7 / 19
2021	+0.60%	-0.38%	+0.98	8 / 19
2020	+7.86%	+3.90%	+3.96	7 / 19
2019	+9.71%	+5.60%	+4.11	9 / 19
2018	+6.18%	+4.05%	+2.13	13 / 19
2017	-3.51%	-1.74%	-1.77	13 / 19
2016	-0.41%	+8.76%	-9.17	15 / 15

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

+3.06%

212 windows

min -13.8% · max 16.5%

67% positive

3-Year rolling

+2.99%

188 windows

min -6.0% · max 8.5%

81% positive

5-Year rolling

+2.68%

164 windows

min -1.4% · max 6.3%

88% positive

7-Year rolling

+2.62%

139 windows

min -0.8% · max 7.0%

84% positive

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

4.87%

3-year · annualised

Sharpe ratio

0.00

vs risk-free 6.5%

Sortino ratio

0.00

Downside-only deviation

Max drawdown

-4.71%

May 2025 → Apr 2026

% 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.

Peers in Gilt Fund

Scheme	Fund house	NAV	As of
SBI MGLT- GROWTH - PF (Regular) Option	SBI	₹43.9734	3 Jul 2026
Bandhan Gilt Fund - Regular - Plan B - Half Yearly IDCW	Bandhan	₹11.7983	3 Jul 2026
quant Gilt Fund - IDCW Option - Regular Plan	Quant	₹12.1666	3 Jul 2026
Kotak Gilt-Investment Regular-Dividend	Kotak Mahindra	₹19.1017	3 Jul 2026
Edelweiss Government Securities Fund - Regular Plan - Annual - IDCW Option	Edelweiss	₹25.1736	3 Jul 2026
HSBC Gilt Fund - Regular Quarterly IDCW	HSBC	₹10.2872	3 Jul 2026
Axis Gilt Fund - Regular Plan - Half Yearly IDCW	Axis	₹12.1489	3 Jul 2026
Bajaj Finserv Gilt Fund - Regular - IDCW	Bajaj Finserv	₹1,068.7840	3 Jul 2026
Groww Gilt Fund - Regular - IDCW	Groww	₹9.9232	3 Jul 2026
LIC MF Govt Securities Fund-Regular Plan (D)	LIC	₹17.5257	3 Jul 2026

Recent NAVs

Date	NAV
3 Jul 2026	₹1,651.8716
2 Jul 2026	₹1,654.6607
1 Jul 2026	₹1,648.6827
30 Jun 2026	₹1,650.1743
29 Jun 2026	₹1,648.5878
25 Jun 2026	₹1,641.4958
24 Jun 2026	₹1,633.8636
23 Jun 2026	₹1,625.5090
22 Jun 2026	₹1,621.6319
19 Jun 2026	₹1,617.5358

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 03 Jul 2026, the NAV of Religare GILT Fund - Long Duration Plan - Regular - Monthly Dividend is ₹1,651.8716. It's a Gilt Fund from Religare, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Religare GILT Fund - Long Duration Plan - Regular - Monthly Dividend has NAV history starting from 11 Feb 2008, a track record of about 18 years 4 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.

Religare GILT Fund - Long Duration Plan - Regular - Monthly Dividend is managed by Religare. 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, Religare GILT Fund - Long Duration Plan - Regular - Monthly Dividend has delivered a absolute return of 3.36% — +1.18 pp ahead of the Gilt Fund category average of 2.18%. The fund ranks #7 of 25 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Religare GILT Fund - Long Duration Plan - Regular - Monthly Dividend has delivered a CAGR of 6.58% — +2.42 pp ahead of the Gilt Fund category average of 4.17%. The fund ranks #3 of 23 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Religare GILT Fund - Long Duration Plan - Regular - Monthly Dividend has delivered a CAGR of 5.46% — +1.98 pp ahead of the Gilt Fund category average of 3.48%. The fund ranks #4 of 19 in its category — the top (Q1) quartile.

₹1 lakh invested in Religare GILT Fund - Long Duration Plan - Regular - Monthly Dividend exactly 10 years ago would be worth approximately ₹155,977 today — a multiplier of 1.56×, based on the 10-year CAGR of 4.55%. The category average over the same window would have grown ₹1 lakh to ₹137,121.

A ₹10,000 monthly SIP in Religare GILT Fund - Long Duration Plan - Regular - Monthly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹699,510 today. That's an XIRR (money-weighted annualised return) of 6.07%.

A ₹10,000 monthly SIP for 10 years in Religare GILT Fund - Long Duration Plan - Regular - Monthly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,590,654 (multiplier 1.33×). XIRR: 5.50%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Religare GILT Fund - Long Duration Plan - Regular - Monthly Dividend ranks #4 out of 19 funds in the Gilt Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 3.48%; this fund delivered 5.46%.

The worst peak-to-trough decline Religare GILT Fund - Long Duration Plan - Regular - Monthly Dividend has experienced over the last 5-year window is 4.71% — 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 5-year rolling windows, Religare GILT Fund - Long Duration Plan - Regular - Monthly Dividend averaged 2.68% (best 6.33%, worst -1.38%). 88% of rolling windows ended positive. The 5-year Sharpe ratio is -0.27 — negative risk-adjusted performance.

In calendar year 2025, Religare GILT Fund - Long Duration Plan - Regular - Monthly Dividend returned 4.41% — beating the Gilt Fund category average of 2.10% by 2.31 pp. It ranked #2 of 24 in its category that year.

Religare GILT Fund - Long Duration Plan - Regular - Monthly 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. Religare GILT Fund - Long Duration Plan - Regular - Monthly 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: 4.7%. 5-year CAGR: 5.46%.

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