HDFC Gilt Fund Regular-Growth
(Scheme Rating)
NAV as of Jun 05, 2025
56.210.08%
(Earn upto 0.43% Extra Returns with Direct Plan)
Fund Category:
Debt: Gilt
Expense Ratio:
0.89%(0.97% Category
average)Fund Size:
Rs. 3,005.62 Cr(3.90% of Investment in Category)
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HDFC Gilt Fund Regular-Growth
(Scheme Rating)
NAV as of Jun 05, 2025
56.210.08%
Expense Ratio:
0.89%
Fund Size:
Rs. 3,005.62 Cr
Fund Category:
Debt: Gilt
1. Current NAV: The Current Net Asset Value of the HDFC Gilt Fund - Regular Plan as of Jun 05, 2025 is Rs 56.21 for Growth option of its Regular plan.
2. Returns: Its trailing returns over different time periods are: 10.86% (1yr), 8.37% (3yr), 5.89% (5yr) and 7.46% (since launch). Whereas, Category returns for the same time duration are: 10.54% (1yr), 8.35% (3yr) and 5.81% (5yr).
3. Fund Size: The HDFC Gilt Fund - Regular Plan currently holds Assets under Management worth of Rs 3005.62 crore as on Apr 30, 2025.
4. Expense ratio: The expense ratio of the fund is 0.89% for Regular plan as on May 30, 2025.
5. Exit Load: The given fund doesn't attract any Exit Load.
6. Minimum Investment: Minimum investment required is Rs 100 and minimum additional investment is Rs 100. Minimum SIP investment is Rs 100.
HDFC Gilt Fund Regular-Growth Returns
Trailing Returns
Rolling Returns
Discrete Period
SIP Returns
1M 3M 6M 1Y 3Y 5Y Annualized Returns 0.51 4.92 5.65 11.14 8.49 5.93 Category Avg 0.42 4.81 5.45 10.79 8.40 5.86 Rank within Category 14 14 12 11 12 11 No. of funds within Category 34 34 33 32 28 24 - Loading...
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Return Comparison
- This Fund
- BenchmarkICICI Pru Gilt-G
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HDFC Gilt Fund Regular-Growth Fund Details
Investment Objective - The scheme is a dedicated gilt scheme which seeks to generate reasonable returns with investments in government securities, securities guaranteed by GoI with medium to long term residual maturities.
| Fund House | HDFC Mutual Fund |
| Launch Date | Jul 25, 2001 |
| Benchmark | CRISIL Dynamic Gilt Index |
| Return Since Launch | 7.46% |
| Riskometer | Moderate |
| Type | Open-ended |
| Risk Grade | Below Average |
| Return Grade | Average |
HDFC Gilt Fund Regular-Growth Investment Details
| Minimum Investment (Rs.) | 100.00 |
| Minimum Additional Investment (Rs.) | 100.00 |
| Minimum SIP Investment (Rs.) | 100.00 |
| Minimum Withdrawal (Rs.) | 100.00 |
| Exit Load | 0% |
Portfolio Allocation
Portfolio Aggregates
| Fund | 1Y High | 1Y Low | Category | |
|---|---|---|---|---|
| Modified Duration(Yrs) | 7.55 | 12.1591 | 1.65 | 7.8996 |
| Average Maturity(Yrs) | 13.81 | 32.69 | 3.89 | 16.2534 |
| Yield to Maturity(%) | 6.93 | 8.61 | 6.09 | 6.8978 |
| Avg Credit Rating | High | - | - | - |
Style Box
Investment / Portfolio Grades
| Security Type | Weight(%) | Category Avg(%) |
|---|---|---|
| Government Backed | 96.99 | 95.41 |
| Low Risk | - | 0.02 |
| Moderate Risk | - | - |
| High Risk | - | - |
| Very High Risk | - | - |
| Others | 3.01 | 4.57 |
Type of Holdings
| Security Type | Weight(%) | Category Avg(%) |
|---|---|---|
| GOI | 91.04 | 85.34 |
| CD | - | 0.02 |
| T-Bills | - | 1.56 |
| CP | - | - |
| NCD & Bonds | - | - |
| PTC | - | - |
| Cash & Others | 8.96 | 13.09 |
Debt Holding In Portfolio
| Instrument | Type | Sector | Rating | Value(Mn) | Total Holding(%) | Quantity |
|---|---|---|---|---|---|---|
| GOI | GOI Securities | Sovereign | SOV | 7,500.48 | 28.13 | - |
| GOI | GOI Securities | Sovereign | SOV | 4,885.60 | 18.32 | - |
| GOI | GOI Securities | Sovereign | SOV | 2,714.38 | 10.18 | - |
| GOI | GOI Securities | Sovereign | SOV | 2,477.29 | 9.29 | - |
| GOI | GOI Securities | Sovereign | SOV | 1,754.01 | 6.58 | - |
| GOI | GOI Securities | Sovereign | SOV | 1,634.93 | 6.13 | - |
| GOI | GOI Securities | Sovereign | SOV | 1,238.72 | 4.65 | - |
| GOI | GOI Securities | Sovereign | SOV | 886.62 | 3.32 | - |
| Gujarat State | State Development Loan | Construction | SOV | 509.47 | 1.91 | - |
| GOI | GOI Securities | Sovereign | SOV | 351.44 | 1.32 | - |
Peer Comparison
Cumulative Returns
SIP returns
Discrete Returns
Quant Measures
Asset Allocation
Scheme Name NAV(Rs./Unit) Scheme Rating AUM(Rs. Cr) 1M 1Y 3Y 5Y HDFC Gilt Fund Regular-Growth 56.21 3,005.62 0.19 10.42 8.37 5.83 ICICI Prudential Gilt Fund-Growth 103.55 7,165.83 0.71 10.30 8.89 6.60 Baroda BNP Paribas Gilt Fund Regular-Growth 43.23 1,761.96 0.59 11.43 8.89 5.88 Quant Gilt Fund Regular - Growth 11.96 142.22 0.37 8.66 - - Axis Gilt Fund Regular-Growth 25.93 836.04 -0.22 10.51 8.47 6.22
Risk Ratios
Ratios are calculated using the calendar month returns for the last 3 years
Standard Deviation
Standard Deviation
Standard deviation is the deviation of the fund's return around mean.
Low Volatality
2.08VS2.40Fund Vs Category Avg
Beta
Beta
Beta shows the portfolio risk in relation to the market. A beta of less than 1 means that the fund returns are less volatile compared to the broader market. A beta of more than 1 means that the fund returns are more volatile than the broader markets. A beta equal to 1 means that fund's volatility is in line with the broader market.
Low Volatality
0.66VS0.69Fund Vs Category Avg
Sharpe Ratio
Sharpe Ratio
Sharpe ratio is a risk adjusted performance measure. A fund with a higher Sharpe ratio is considered better than a fund with a lower Sharpe ratio.
Better risk-adjusted returns
0.86VS0.73Fund Vs Category Avg
Treynor's Ratio
Treynor's Ratio
Treynor is a risk adjusted performance measure. A fund with a higher Treynor ratio is considered better than a fund with a lower Treynor ratio.
Poor risk-adjusted returns
2.72VS3.31Fund Vs Category Avg
Jensen's Alpha
Jensen's Alpha
Alpha shows the ability of the fund manager to outperform the market. A higher Alpha is preferred.
Better risk-adjusted returns
-0.55VS-0.70Fund Vs Category Avg
Mean Return
Mean Return
Average return generated by the fund during a specified period.
Better average monthly returns
8.08VS8.01Fund Vs Category Avg
Risk Ratio Chart
- Risk Ratio
- Category Average
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Fund Manager
- A.B.Anil BamboliSince Sep 200712 schemes
- A.K.Amar KalkundrikarSince Jan 201923 schemes
Mr. Bamboli is a CFA from Association for Investment Management and Research, U.S.A, Masters in Management Studies (Finance) and a Graduate in Cost and Works Accountant from ICWAI. Prior to joining HDFC AMC he has worked with SBI Fund Management for 11 years.
Scheme Name Category Nav(Rs./Unit) Scheme Rating Asset(Rs. Cr) 1Y HDFC Children's Fund Regular Plan Aggressive Hybrid 293.40 9,809.70 9.93 HDFC Balanced Advantage Fund Regular-Growth Dynamic Asset Allocation 515.94 97,460.90 10.05 HDFC Short Term Debt Fund-Growth Short Duration 32.09 15,030.08 9.77 HDFC Multi-Asset Active FoF Regular-Growth Multi Asset Allocation 18.07 3,894.86 13.30 HDFC Ultra Short Term Fund Regular - Growth Ultra Short Duration 15.10 16,171.05 7.64 HDFC Arbitrage Fund Wholesale Regular-Growth Arbitrage 30.50 19,627.20 6.85 HDFC Banking and PSU Debt Fund Regular-Growth Banking and PSU 23.12 6,006.54 9.87 HDFC Multi Asset Fund Regular-Growth Multi Asset Allocation 70.80 4,240.57 12.37 HDFC Equity Savings Fund Regular-Growth Equity Savings 65.45 5,485.54 7.78 HDFC Dynamic Debt Fund Regular-Growth Dynamic Bond 90.65 798.68 10.10 HDFC Arbitrage Fund Retail-Growth Arbitrage 29.56 Unrated 19,627.20 6.75 HDFC Income Plus Arbitrage Active FoF Regular-Growth Others 38.92 Unrated 256.45 5.84 Mr. Kalkundrikar has done B.Com, CA, CFA, and MBA from Columbia Business School. Prior to joining Nippon India Mutual Fund, he has worked with HDFC Asset Management Company Limited where he has handled multiple roles in Investment – Equity function such as Portfolio Management for PMS business, & performing Equity research in various sectors such as Consumer Staples, Consumer Discretionary, Retail, Construction Materials.
More HDFC Mutual Fund
| Scheme Name | Rating | Asset Size(Cr) | 1M | 3M | 6M | 1Y | 3Y |
|---|---|---|---|---|---|---|---|
| HDFC Balanced Advantage Fund Regular-Growth | 97,460.90 | 3.55 | 7.53 | 4.28 | 8.65 | 22.70 | |
| HDFC Mid-Cap Opportunities Fund Regular-Growth | 74,909.76 | 7.40 | 10.41 | 2.72 | 11.75 | 30.45 | |
| HDFC Flexi Cap Fund Regular-Growth | 74,105.46 | 3.70 | 9.19 | 6.39 | 16.70 | 27.20 | |
| HDFC Liquid Fund Regular-Growth | 73,779.85 | 0.50 | 1.77 | 3.55 | 7.22 | 6.84 | |
| HDFC Large Cap Fund-Growth | 36,108.73 | 3.21 | 7.26 | 3.86 | 8.28 | 20.71 | |
| HDFC Corporate Bond Fund Regular-Growth | 32,656.71 | 1.09 | 3.59 | 5.31 | 10.00 | 8.06 | |
| HDFC Small Cap Fund Regular-Growth | 30,880.43 | 8.61 | 11.79 | -0.61 | 6.44 | 26.24 | |
| HDFC Money Market Fund-Growth | 30,273.11 | 0.67 | 2.36 | 4.14 | 8.01 | 7.29 | |
| HDFC Large and Mid Cap Fund Regular- Growth | 24,326.39 | 5.47 | 10.23 | 3.08 | 8.83 | 24.66 | |
| HDFC Hybrid Equity Fund Regular-Growth | 23,850.72 | 3.77 | 7.87 | 5.09 | 10.14 | 16.41 |
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1. HDFC Gilt Fund - Regular Plan is Open-ended Gilt Debt scheme which belongs to HDFC Mutual Fund House.
2. The fund was launched on Jul 25, 2001.
Investment objective & Benchmark
1. The investment objective of the fund is that " The scheme is a dedicated gilt scheme which seeks to generate reasonable returns with investments in government securities, securities guaranteed by GoI with medium to long term residual maturities. "
2. It is benchmarked against CRISIL Dynamic Gilt Index.
Asset Allocation & Portfolio Composition
1. The portfolio allocation of debt securities primarily have 2 kinds of risks: interest rate risk & credit risk. While the interest rate movements are driven by the fund's duration, credit quality of debt securities are based on the weighted average credit ratings of a fund. Generally, funds with high credit quality will have the weighted average credit rating of AA- and higher rated securities, funds with medium credit quality will hold securities having credit rating lying between A- to BBB- and funds with low credit quality will hold securities having average credit rating of less than BBB-. Credit rating is a qualitative tool that basically assesses the creditworthiness and financial soundness of a company and takes into consideration several factors including the default rate and solvency of the concerned business entity.
2. The portfolio of the fund has securities with varying levels of maturities. Duration takes into consideration the sensitivity of the average maturity of these securities with respect to the interest rate changes. The Average Maturity of HDFC Gilt Fund - Regular Plan is 13.81 years and Duration is 7.54843823 years. Generally, securities with high maturity are more sensitive to interest rate changes. So, an investor with a low risk appetite may look to invest in a fund with low maturity and duration vis-a-vis category levels.
3. All these parameters - average maturity, duration, interest rate changes, credit quality, credit rating, liquidity etc. need to be looked at in conjunction with each other to determine the quality of portfolio of a fund.
Tax Implications on HDFC Gilt Fund Regular-Growth
Capital Gains Tax Implications:
If the investment is made after Apr 1, 2023:
1. The entire amount of gain will be added to the investor's income (irrespective of the period of investment) and will be taxed as per his/her applicable slab rate.
If the investment is made before Apr 1, 2023:
1. If units are redeemed within 3 years of investment, the whole gain will be added to the investor's income and taxed as per his/her applicable slab rate.
2. For units redeemed after 3 years of investment, gains will be taxed at a rate of 20% post-indexation benefits. Indexation is a process of recalculating the purchase price after accounting for inflation into it. The benefit of indexation lies in lowering one's capital gains which brings down the taxable income and thereby reduces taxes on it.
Dividend Tax Implications:
1. For Dividend Distribution Tax, the dividend income from this fund will get added to an investor’s income and taxed according to his/her respective tax slabs.
2. Also, for dividend income more than Rs 5,000 in a financial year; the fund house shall deduct a TDS of 10% on such income.
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FAQs about HDFC Gilt Fund Regular-Growth
- Is it safe to invest in HDFC Gilt Fund - Regular Plan?As per SEBI’s latest guidelines to calculate risk grades, investment in the HDFC Gilt Fund - Regular Plan comes under Moderate risk category.
- What is the category of HDFC Gilt Fund - Regular Plan?HDFC Gilt Fund - Regular Plan belongs to the Debt : Gilt category of funds.
- How Long should I Invest in HDFC Gilt Fund - Regular Plan?The suggested investment horizon of investing into HDFC Gilt Fund - Regular Plan is >5 years. The suggested investment horizon is the minimum time required for holding investments in the fund to reduce its downside risk and ensure that the returns become more predictable.
- Who manages the HDFC Gilt Fund - Regular Plan?The HDFC Gilt Fund - Regular Plan is managed by Anil Bamboli (Since Sep 01, 2007) and Amar Kalkundrikar (Since Jan 10, 2019).
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