Groww Gilt Fund - Direct Plan - Income Distribution cum capital withdrawal
Gilt Funds invest at least 80% in government securities, so credit risk is minimal, but prices move with interest rates.
- Current NAV₹10.0096
- Fund Size (AUM)—
- Expense Ratio—
- 1Y Return+0.07%
- 3Y Return (CAGR)—
- 5Y Return (CAGR)—
- Category Rank (3Y)—
- Riskometer—
- Min. SIP / Lump sum—
More figures (11)
- Since Launch (CAGR)-0.23%
- Benchmark—
- Volatility (3Y)3.35 %
- Sharpe Ratio (3Y)—
- Beta (3Y)—
- 52-week High / Low₹10.0891 / ₹9.7928
- Max Drawdown-3.9 %
- Launched13 May 2025
- Lock-in—
- Portfolio Turnover—
- Fund Managers—
Performance chart
Past performance may or may not be sustained in future.
Quick take
- Over 1 year it returned 0.1%.
- Volatility over 3 years was 3.4% a year.
- Its biggest fall from a peak was 3.9% (16 May 2025 to 26 Aug 2025).
Pros
AINo standout strengths in its record so far.
Cons
AI- Short track record: launched 13 May 2025, so 3- and 5-year figures are not available yet.
Pros and cons are generated automatically from the scheme's published figures. They are observations about past data, not a recommendation to invest, switch or redeem.
AI analysis
Plenitude AI reads the figures on this page and explains them in plain language.
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Book a free consultation Compare with other fundsReturns vs benchmark and category
| Returns (%) | 1W | 1M | 3M | 6M | YTD | 1Y | 2Y | 3Y | 5Y | 7Y | 10Y | Since launch |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| This fund | -0.08% | -0.07% | -0.15% | +0.81% | +0.84% | +0.07% | — | — | — | — | — | -0.23% |
Point-to-point NAV returns as on 16 Oct 2026; over 1 year, yearly compounded (CAGR). Category: Direct Growth plans in Gilt Funds. Q1 = top quarter by return over that period.
Calendar-year returns
| Year | 2026 YTD |
|---|---|
| This fund | +0.84% |
January to December each year; the current year is to date.
Month-by-month returns (%)
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Year |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -0.2 | 0.6 | -1.5 | 0.6 | -0.2 | 1.9 | -0.3 | 0.2 | -0.1 | -0.2 | |||
| 2025 | -2.0 | 0.4 | -1.8 | 1.6 | 0.1 | -0.3 | 0.8 |
Change in NAV from the last business day of one month to the last business day of the next. Positive in 8 of 17 months shown (47%). "Year" is shown for complete calendar years.
Risk and consistency
| Risk measure | 3 years | 5 years |
|---|---|---|
| Volatility (standard deviation) ? | 3.35% | 3.35% |
| Sharpe ratio ? | — | — |
| Sortino ratio ? | — | — |
| Maximum drawdown | -3.91% | -3.91% |
Every 3- and 5-year period since launch, checked weekly. It shows how consistent returns were, whenever someone invested.
SIP returns: ₹10,000 every month
| SIP for | Invested | Value today | Gain | XIRR |
|---|---|---|---|---|
| 1Y | ₹1,20,000 | ₹1,20,873 | ₹873 | +1.35% |
A ₹10,000 instalment on the same date every month, valued at the latest NAV. XIRR is the yearly return on those dated instalments. Try the SIP calculator.
What your investment would be worth
Worked out from the scheme's weekly NAVs (instalments on the first NAV of each month), so it can differ slightly from your statement. Past performance may or may not be sustained in future. Plan a future SIP.
Compare with all Gilt Funds (29)
| S.No. | Scheme (Direct plans, Growth) | NAV ₹ | 1M % | 6M % | 1Y % | 3Y % CAGR | 5Y % CAGR | Expense ratio % | Fund size ₹ Cr | Riskometer |
|---|---|---|---|---|---|---|---|---|---|---|
| 1. | Aditya Birla Sun Life Gilt FundAditya Birla Sun Life Mutual Fund | ₹87.3659 | — | — | — | — | — | 0.49 | 1,175 | Moderate Risk |
| 2. | Axis Gilt FundAxis Mutual Fund | ₹28.2693 | — | — | — | — | — | 0.46 | 336 | Moderate Risk |
| 3. | Bajaj Finserv Gilt FundBajaj Finserv Mutual Fund | ₹1,075.13 | — | — | — | — | — | 0.47 | 26 | Low to Moderate Risk |
| 4. | Bandhan 10 year Constant Maturity Gilt FundBandhan Mutual Fund | ₹48.3634 | — | — | — | — | — | 0.26 | 285 | Moderate Risk |
| 5. | Bandhan Gilt FundBandhan Mutual Fund | ₹40.9040 | — | — | — | — | — | 0.56 | 1,686 | Moderate Risk |
| 6. | BARODA BNP PARIBAS GILT FUNDBaroda BNP Paribas Mutual Fund | ₹48.0024 | — | — | — | — | — | 0.14 | 515 | Moderate Risk |
| 7. | Canara Robeco Gilt FundCanara Robeco Mutual Fund | ₹82.7636 | — | — | — | — | — | 0.47 | 111 | Moderate Risk |
| 8. | DSP 10 year Constant Maturity Gilt FundDSP Mutual Fund | ₹22.5919 | — | — | — | — | — | 0.31 | 37 | Moderate Risk |
| 9. | DSP Gilt FundDSP Mutual Fund | ₹104.6523 | — | — | — | — | — | 0.59 | 1,083 | Moderate Risk |
| 10. | Edelweiss Gilt FundEdelweiss Mutual Fund | ₹26.3340 | — | — | — | — | — | 0.51 | 119 | Moderate Risk |
| 11. | Franklin India Gilt FundFranklin Templeton Mutual Fund | ₹67.4243 | — | — | — | — | — | 0.64 | 145 | Low to Moderate Risk |
| 12. | Groww Gilt FundGroww Mutual Fund | ₹10.0116 | — | — | — | — | — | — | — | — |
| 13. | HDFC Gilt FundHDFC Mutual Fund | ₹59.8445 | — | — | — | — | — | 0.46 | 1,885 | Moderate Risk |
| 14. | HSBC Gilt FundHSBC Mutual Fund | ₹76.9370 | — | — | — | — | — | 0.50 | 152 | Moderate Risk |
| 15. | ICICI Prudential 10 year Constant Maturity Gilt FundICICI Prudential Mutual Fund | ₹26.1097 | — | — | — | — | — | 0.29 | 1,935 | Moderate Risk |
| 16. | ICICI Prudential Gilt FundICICI Prudential Mutual Fund | ₹114.9133 | — | — | — | — | — | 0.58 | 9,118 | Low to Moderate Risk |
| 17. | Invesco India Gilt FundInvesco Mutual Fund | ₹3,182.48 | — | — | — | — | — | 0.47 | 105 | Moderate Risk |
| 18. | Kotak Gilt FundKotak Mahindra Mutual Fund | ₹110.5210 | — | — | — | — | — | 0.48 | 2,065 | Low to Moderate Risk |
| 19. | Kotak Gilt FundKotak Mahindra Mutual Fund | ₹113.1992 | — | — | — | — | — | — | — | — |
| 20. | LIC MF Gilt FundLIC Mutual Fund | ₹66.5272 | — | — | — | — | — | 0.70 | 44 | Moderate Risk |
| 21. | Nippon India Gilt FundNippon India Mutual Fund | ₹44.0302 | — | — | — | — | — | 0.52 | 1,487 | Moderate Risk |
| 22. | PGIM India Gilt FundPGIM India Mutual Fund | ₹33.1311 | — | — | — | — | — | 0.52 | 85 | Moderate Risk |
| 23. | quant Gilt Fundquant Mutual Fund | ₹12.4363 | — | — | — | — | — | 0.42 | 73 | Moderate Risk |
| 24. | SBI 10 YEAR CONSTANT MATURITY GILT FUNDSBI Mutual Fund | ₹67.9453 | — | — | — | — | — | 0.32 | 1,501 | Moderately High Risk |
| 25. | SBI GILT FUNDSBI Mutual Fund | ₹72.6091 | — | — | — | — | — | 0.50 | 8,067 | Moderate Risk |
| 26. | Tata Gilt FundTata Mutual Fund | ₹89.0749 | — | — | — | — | — | 0.30 | 769 | Moderate Risk |
| 27. | Union Gilt FundUnion Mutual Fund | ₹12.2677 | — | — | — | — | — | 0.65 | 75 | Moderate Risk |
| 28. | UTI - Gilt FundUTI Mutual Fund | ₹67.5580 | — | — | — | — | — | 0.69 | 415 | Moderate Risk |
| 29. | UTI 10 year Constant Maturity Gilt FundUTI Mutual Fund | ₹13.1145 | — | — | — | — | — | 0.31 | 105 | Very High Risk |
| Median: 29 schemes | — | — | — | — | — | — | 0.48 | 336 | — |
Detailed comparison with another fund About Gilt Funds
Sorted by 3-year return; tap a heading to sort. Expense ratio and fund size are from published scheme data ("—" = not available yet). Sorting by past returns is a way to explore data, not a ranking of which fund to choose.
Scheme details
- Fund house
- Groww Mutual Fund
- Category
- Gilt Funds · Debt
- Plan / option
- Direct · Growth
- AMFI scheme code
- 153502
- ISIN
- INF666M01KL0, INF666M01KM8
- Exit load & portfolio
- See the scheme's KIM and monthly factsheet on the fund house website.
About Gilt Funds
Gilt Funds invest at least 80% in government securities, so credit risk is minimal, but prices move with interest rates.
Generally used by investors with a 3+ year horizon who understand interest-rate risk.
Other plans of this scheme
Tax on your gains
Likely tax treatment: Debt-oriented fund ("specified mutual fund")
- Units bought on or after 1 April 2023: gains are added to your income and taxed at your slab rate, however long you hold them.
- No long-term rate or indexation benefit for these units.
- Dividends (IDCW option) are added to your income and taxed at your slab rate; the fund deducts 10% TDS when they exceed ₹10,000 in a year.
- Switching from one scheme or plan to another counts as selling and buying.
- Surcharge and 4% health and education cess apply on top of these rates.
| Fund type | Short-term | Long-term |
|---|---|---|
| Equity-oriented | 20% (up to 12 months) | 12.5% above ₹1.25 lakh |
| Debt-oriented (bought from Apr 2023) | Slab rate | Slab rate |
| Gold, international, other hybrid | Slab rate | 12.5% (after 12 or 24 months) |
Exit load, if any, is set out in the scheme's KIM. Tax rules change from time to time and depend on your situation; please confirm with your tax adviser. This is general information, not tax advice.
Latest news: Groww Mutual Fund
- Groww Mutual Fund has declared change in the fund managers of its few schemesValue Research · 30 Sep
Headlines from Google News about this fund house and its schemes over the last 30 days. Lists of "best funds" and buy or sell calls are left out. Links open the publisher's site.
Questions about this scheme
What is the NAV of Groww Gilt Fund today?
What returns has Groww Gilt Fund given?
What is the expense ratio of Groww Gilt Fund?
How risky is this fund?
What is the difference between Direct and Regular plans?
What are Gilt Funds?
How are gains from Groww Gilt Fund taxed?
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