Union Gilt Fund · Regular · Growth
NAV
₹12.1352
as of 13 Nov 2026
Expense Ratio
1.08%
AUM
₹83 Cr
Lumpsum returns (CAGR)
- 1Y
- +0.69%
- 3Y
- +4.36%
- 5Y
- —
- Since Inception
- +4.54%
SIP returns (XIRR)
- 1Y
- +1.15%
- 3Y
- +2.19%
- 5Y
- —
- Since Inception
- +3.39%
Returns calculated from 08 August 2022 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
What history actually did — last 3 years (Nov 2023 – Nov 2026)
A ₹5,000 monthly SIP for the last 3 years (Nov 2023 – Nov 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹1,85,263 today — ₹1,80,000 invested, 2.0% XIRR.
₹1,80,000
Invested
₹1,85,263
Value today
2.0%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 3 years (Nov 2023 – Nov 2026)
Real NAV backtest
₹1,00,000 invested 3 years ago would be ₹1,13,649 today (4.4% CAGR).
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 3 years (Nov 2023 – Nov 2026) (4 Jun 2024) would be ₹1,07,962 today (1.08×).
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-1.52
Sharpe Ratio
—
Alpha
—
Beta
-1.47
Sortino
5.12%
Std Dev
-6.86%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
What this fund does
Union 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
Union Gilt Fund · Regular · Growth is a Gilt Fund mutual fund offered by Union Mutual Fund. The fund has been operational for over 4 years. It manages assets worth ₹82.7 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 1.08%.