Hdfc Gilt Fund Overview
Category Gilt Fund
BMSMONEY Rank 4
Rating
Growth Option 23-06-2025
NAV ₹55.4(R) +0.08% ₹58.31(D) +0.08%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 8.51% 7.84% 5.53% 6.87% 6.99%
Direct 8.99% 8.3% 6.0% 7.32% 7.45%
Benchmark
SIP (XIRR) Regular 7.8% 4.26% 5.37% 5.96% 6.26%
Direct 8.28% 4.72% 5.83% 6.43% 6.72%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.2 0.74 0.81 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
2.07% -0.74% -0.32% - 1.35%
Fund AUM As on: 31/03/2025 2947 Cr

NAV Date: 23-06-2025

Scheme Name NAV Rupee Change Percent Change
HDFC Gilt Fund - IDCW Plan 12.38
0.0100
0.0800%
HDFC Gilt Fund - IDCW Option - Direct Plan 13.21
0.0100
0.0800%
HDFC Gilt Fund - Growth Plan 55.4
0.0400
0.0800%
HDFC Gilt Fund - Growth Option - Direct Plan 58.31
0.0500
0.0800%

Review Date: 23-06-2025

Beginning of Analysis

Hdfc Gilt Fund is the 4th ranked fund in the Gilt Fund category. The category has total 18 funds. The 5 star rating shows an excellent past performance of the Hdfc Gilt Fund in Gilt Fund. The fund has a Sharpe Ratio of 1.2 which is higher than the category average of 1.01.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Gilt Mutual Funds are ideal for risk-averse investors seeking safety and stability in their debt portfolio. These funds are highly sensitive to interest rate changes and are best suited for long-term investors who can tolerate volatility. While they offer zero credit risk, their performance is closely tied to interest rate movements, making them less suitable for short-term goals. Investors should carefully assess their risk tolerance and investment horizon before investing in Gilt Funds. Additionally, choosing funds managed by experienced professionals can help navigate interest rate cycles effectively.

Hdfc Gilt Fund Return Analysis

  • The fund has given a return of -1.4%, 2.09 and 4.64 in last one, three and six months respectively. In the same period the category average return was -1.57%, 1.81% and 4.26% respectively.
  • Hdfc Gilt Fund has given a return of 8.99% in last one year. In the same period the Gilt Fund category average return was 8.35%.
  • The fund has given a return of 8.3% in last three years and ranked 12.0th out of 18 funds in the category. In the same period the Gilt Fund category average return was 8.39%.
  • The fund has given a return of 6.0% in last five years and ranked 13th out of 18 funds in the category. In the same period the Gilt Fund category average return was 6.25%.
  • The fund has given a return of 7.45% in last ten years and ranked 15th out of 16 funds in the category. In the same period the category average return was 8.03%.
  • The fund has given a SIP return of 8.28% in last one year whereas category average SIP return is 7.47%. The fund one year return rank in the category is 5th in 21 funds
  • The fund has SIP return of 4.72% in last three years and ranks 9th in 18 funds. Icici Prudential Gilt Fund has given the highest SIP return (5.6%) in the category in last three years.
  • The fund has SIP return of 5.83% in last five years whereas category average SIP return is 6.0%.

Hdfc Gilt Fund Risk Analysis

  • The fund has a standard deviation of 2.07 and semi deviation of 1.35. The category average standard deviation is 2.42 and semi deviation is 1.58.
  • The fund has a Value at Risk (VaR) of -0.74 and a maximum drawdown of -0.32. The category average VaR is -1.17 and the maximum drawdown is -0.67.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Gilt Fund Category
  • Good Performance in Gilt Fund Category
  • Poor Performance in Gilt Fund Category
  • Very Poor Performance in Gilt Fund Category

  • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -1.44
    -1.63
    -2.27 | -0.20 7 | 21 Good
    3M Return % 1.97
    1.64
    0.67 | 3.02 5 | 21 Very Good
    6M Return % 4.41
    3.92
    2.92 | 5.44 5 | 21 Very Good
    1Y Return % 8.51
    7.63
    5.93 | 10.07 5 | 21 Very Good
    3Y Return % 7.84
    7.70
    6.54 | 8.95 6 | 18 Good
    5Y Return % 5.53
    5.55
    4.60 | 6.54 8 | 18 Good
    7Y Return % 6.87
    7.43
    6.32 | 8.28 15 | 18 Average
    10Y Return % 6.99
    7.32
    6.02 | 8.24 11 | 16 Average
    15Y Return % 7.36
    10.39
    6.46 | 45.49 11 | 14 Average
    1Y SIP Return % 7.80
    6.75
    4.49 | 10.02 5 | 21 Very Good
    3Y SIP Return % 4.26
    3.98
    3.08 | 5.19 5 | 18 Very Good
    5Y SIP Return % 5.37
    5.31
    4.47 | 6.35 8 | 18 Good
    7Y SIP Return % 5.96
    6.14
    5.12 | 7.16 11 | 18 Average
    10Y SIP Return % 6.26
    6.60
    5.36 | 7.55 11 | 16 Average
    15Y SIP Return % 6.87
    9.71
    5.98 | 44.59 12 | 15 Average
    Standard Deviation 2.07
    2.42
    1.54 | 3.30 3 | 18 Very Good
    Semi Deviation 1.35
    1.58
    1.00 | 2.22 3 | 18 Very Good
    Max Drawdown % -0.32
    -0.67
    -1.46 | -0.27 2 | 18 Very Good
    VaR 1 Y % -0.74
    -1.17
    -2.26 | 0.00 4 | 18 Very Good
    Average Drawdown % -0.20
    -0.37
    -0.59 | -0.19 2 | 18 Very Good
    Sharpe Ratio 1.20
    1.01
    0.60 | 1.82 4 | 18 Very Good
    Sterling Ratio 0.81
    0.78
    0.67 | 0.86 5 | 18 Very Good
    Sortino Ratio 0.74
    0.61
    0.33 | 1.26 4 | 18 Very Good
    Return data last Updated On : June 23, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : May 30, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -1.40 -1.57 -2.22 | -0.15 7 | 21
    3M Return % 2.09 1.81 0.83 | 3.15 5 | 21
    6M Return % 4.64 4.26 3.24 | 5.72 5 | 21
    1Y Return % 8.99 8.35 6.59 | 10.42 5 | 21
    3Y Return % 8.30 8.39 7.07 | 9.52 12 | 18
    5Y Return % 6.00 6.25 5.10 | 7.14 13 | 18
    7Y Return % 7.32 8.13 6.89 | 8.92 17 | 18
    10Y Return % 7.45 8.03 6.74 | 8.84 15 | 16
    1Y SIP Return % 8.28 7.47 5.14 | 10.61 5 | 21
    3Y SIP Return % 4.72 4.65 3.61 | 5.60 9 | 18
    5Y SIP Return % 5.83 6.00 4.99 | 6.93 12 | 18
    7Y SIP Return % 6.43 6.84 5.65 | 7.74 15 | 18
    10Y SIP Return % 6.72 7.30 5.96 | 8.14 15 | 16
    Standard Deviation 2.07 2.42 1.54 | 3.30 3 | 18
    Semi Deviation 1.35 1.58 1.00 | 2.22 3 | 18
    Max Drawdown % -0.32 -0.67 -1.46 | -0.27 2 | 18
    VaR 1 Y % -0.74 -1.17 -2.26 | 0.00 4 | 18
    Average Drawdown % -0.20 -0.37 -0.59 | -0.19 2 | 18
    Sharpe Ratio 1.20 1.01 0.60 | 1.82 4 | 18
    Sterling Ratio 0.81 0.78 0.67 | 0.86 5 | 18
    Sortino Ratio 0.74 0.61 0.33 | 1.26 4 | 18
    Return data last Updated On : June 23, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : May 30, 2025
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Hdfc Gilt Fund NAV Regular Growth Hdfc Gilt Fund NAV Direct Growth
    23-06-2025 55.3956 58.3068
    20-06-2025 55.3517 58.2586
    19-06-2025 55.2825 58.185
    18-06-2025 55.4626 58.374
    17-06-2025 55.522 58.4357
    16-06-2025 55.552 58.4667
    13-06-2025 55.3837 58.2875
    12-06-2025 55.4643 58.3716
    11-06-2025 55.4817 58.3893
    10-06-2025 55.5593 58.4702
    09-06-2025 55.661 58.5766
    06-06-2025 55.9404 58.8685
    05-06-2025 56.2138 59.1555
    04-06-2025 56.1687 59.1074
    03-06-2025 56.1907 59.1298
    02-06-2025 56.1584 59.0951
    30-05-2025 56.1406 59.0743
    29-05-2025 56.253 59.1919
    28-05-2025 56.2911 59.2313
    27-05-2025 56.2517 59.1891
    26-05-2025 56.2383 59.1743
    23-05-2025 56.2035 59.1356

    Fund Launch Date: 16/Jul/2001
    Fund Category: Gilt Fund
    Investment Objective: To generate credit risk-free returns through investments in sovereign securities issued by the Central Government and/ or State Government. There is no assurance that the investment objective of the Scheme will be realized.
    Fund Description: An open ended debt scheme investing in government securities across maturities
    Fund Benchmark: CRISIL Dynamic Gilt Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.