HDFC Gilt Fund · Regular · Growth
NAV
₹57.2809
as of 31 Jul 2026
Expense Ratio
0.93%
AUM
₹2,183 Cr
Lumpsum returns (CAGR)
- 1Y
- +2.91%
- 3Y
- +6.35%
- 5Y
- +5.42%
- Since Inception
- +7.23%
SIP returns (XIRR)
- 1Y
- +4.92%
- 3Y
- +5.57%
- 5Y
- +5.84%
- Since Inception
- +6.67%
What history actually did — last 10 years (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹7,97,227 today — ₹5,95,000 invested, 5.8% XIRR.
₹5,95,000
Invested
₹7,97,227
Value today
5.8%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,76,394 today (5.8% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹9,66,717.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹1,42,240 today (1.42×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-0.53
Sharpe Ratio
—
Alpha
—
Beta
-0.51
Sortino
3.20%
Std Dev
-3.08%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 16.9% Goi Mat 15046515.95%
- 27.34% Goi Mat 22046411.47%
- 37.3% Goi Mat 19065310.86%
- 47.26% Goi Mat 0602338.23%
- 57.18% Goi Mat 1408336.34%
- 67.24% Goi Mat 1808555.27%
- 76.94% Goi Mat 1105364.90%
- 87.18% Goi Mat 2407374.47%
- 97.25% Goi Mat 1206634.01%
- 107.27% Gujarat Sdl Isd 171225 Mat 171234^3.85%
Investment Objective
HDFC Gilt Fund · Regular · Growth invests exclusively in government securities across various maturities. Gilt funds carry zero credit risk as they invest in sovereign-backed instruments, though they are subject to interest rate risk.
About This Fund
HDFC Gilt Fund · Regular · Growth is a Gilt Fund mutual fund offered by HDFC Mutual Fund. The fund has been operational for over 25 years. It manages assets worth ₹2,183 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against Nifty All Duration G-Sec Index. The current expense ratio is 0.93%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations