Tata Gilt Fund
- NAV as on 24 Sep 2026
- ₹79.65-0.45%1 day
- Return since launch
- 8.0%
- 52-week range
- ₹75.53 — ₹81.34
- AUM
- ₹788 Cr
Tata Gilt Fund is a Gilt debt fund from Tata Mutual Fund with ₹788 Cr under management, launched in 1999. Over three years it has returned 4.0% a year, against 5.6% for its category. The expense ratio is 1.32% and the SEBI riskometer reading is Moderate.
Performance
Tata Gilt Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +2.0% against +2.8% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 2.5% | −0.3 pts | 2.8% | 3.1% |
| 2Y | 2.7% | −0.3 pts | 3.0% | 3.0% |
| 3Y | 4.0% | −1.6 pts | 5.6% | 4.3% |
| 5Y | 5.0% | 0.0 pts | 5.0% | 5.1% |
| 7Y | 4.8% | −0.3 pts | 5.1% | 5.1% |
| 10Y | 5.2% | −0.7 pts | 6.0% | 5.7% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | -1.1% | −0.5 pts | -0.6% | -0.6% |
| 3M | -0.6% | −0.3 pts | -0.3% | -0.2% |
| 6M | 3.5% | +0.4 pts | 3.0% | 3.0% |
| 1Y | 2.0% | −0.8 pts | 2.8% | 2.8% |
| 2Y | 3.6% | +0.1 pts | 3.5% | 3.5% |
| 3Y | 5.2% | −0.4 pts | 5.6% | 5.7% |
| 5Y | 4.8% | −0.1 pts | 5.0% | 4.9% |
| 7Y | 5.2% | −0.4 pts | 5.6% | 5.6% |
| 10Y | 5.5% | −0.5 pts | 6.0% | 6.0% |
Since launch (3 Aug 1999): 8.0%
Calendar-year returns
Category averageShow as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 4.7% | −0.3 pts | 5.0% |
| 2024 | 8.2% | −1.3 pts | 9.5% |
| 2023 | 7.5% | −0.1 pts | 7.5% |
| 2022 | 2.4% | −0.7 pts | 3.0% |
| 2021 | 0.8% | −2.1 pts | 2.9% |
| 2020 | 9.9% | −2.1 pts | 11.9% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
1.32%
Expense ratio as on 23 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.18%
- Brokerage
- 0.00%
- Transaction charges
- 0.01%
- Statutory levies
- 0.13%
- Exit load
- Exit load of 0.50% if redeemed within 180 days
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- CRISIL Dynamic Gilt Index AIII
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Your principal is treated as being at moderate risk — typically medium duration debt and conservative hybrid schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | — | — | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | — | — | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | -0.05 | 0.24 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | -0.06 | 0.32 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 4.42 | 3.48 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 5 category peers | |||
Portfolio
Tata Gilt Fund portfolio
Portfolio as of 31 Aug 2026
Asset allocation
- Debt97.0%
- Other3.0%
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| GOI | Sovereign | 3.24% | ₹25.54 Cr | +9.59% | +8.16% | +0.77% |
| Others | Others | 2.95% | ₹23.22 Cr | +4.28% | +10.58% | -8.98% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| GOI | 2.92% | 3.24% | +0.32% |
| Others | 1.63% | 1.50% | -0.13% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹2,114 Cr | 1.04% | 4.7% | 5.5% | 6.0% |
 ICICI Prudential Gilt Fund | ₹7,950 Cr | 1.11% | 3.4% | 5.4% | 6.2% |
 Bandhan Gilt Fund | ₹1,713 Cr | 1.17% | 7.4% | 6.4% | 6.5% |
 UTI Gilt Fund | ₹420 Cr | 0.85% | 4.3% | 5.4% | 5.9% |
 Axis Gilt Fund | ₹341 Cr | 0.86% | 3.8% | 5.3% | 6.0% |
 Franklin India Gilt Fund | ₹147 Cr | 1.22% | 4.5% | 5.3% | 5.4% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The scheme is a dedicated gilt fund which would invest in G-Secs to generate risk-free return and provide medium-to-long term capital gains.
Fund managers
- Akhil MittalMr. Mittal is B.Com (H) and MBA from University Business School.Prior to joining Tata AMC, he has worked with Canara Robeco AMC, Principal Asset Management Company, Edelweiss Securities Ltd. and Rallis India Ltd.
- Puja KasatMBA (Finance), Bachelor of Engineering in Electronics and TelecommunicationPrior joining the TATA AMC, she was associatd with SBI Funds Management Pvt. Ltd, Invesco Mutual Fund, CRISIL Ratings.
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months3.46% absolute | ₹60,000 | ₹62,076 | 3.46% | |
| 1 year2.02% annualised | ₹1,20,000 | ₹1,21,321 | 1.10% | |
| 3 years5.21% annualised | ₹3,60,000 | ₹3,90,436 | 8.45% | |
| 5 years4.85% annualised | ₹6,00,000 | ₹6,80,203 | 13.37% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.