Tata Gilt Fund
Tata Mutual Fund · Gilt · Regular plan, growth option
NAV (₹), 2 Oct 2026
78.9279
1-day change
-0.22%
1Y return
0.6%
3Y CAGR
5.0%
5Y CAGR
4.7%
Max drawdown, 5Y
−4.9%
NAV history month-end NAV, ₹ · 3 Apr 2006 to 1 Oct 2026
Returns vs Gilt median (30 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -1.4% | -0.5% |
| 3 months | -1.8% | -1.0% |
| 6 months | 3.8% | 3.3% |
| Year to date | 0.6% | 1.6% |
| 1 year | 0.6% | 1.8% |
| 3 years (CAGR) | 5.0% | 5.5% |
| 5 years (CAGR) | 4.7% | 4.8% |
| 7 years (CAGR) | 4.9% | 5.4% |
| 10 years (CAGR) | 5.4% | 5.9% |
| Since first NAV (CAGR) | 6.4% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 6.6% | 6.6% |
| 3Y rolling median | 6.5% | 7.5% |
| 3Y rolling worst | -0.9% | 0.9% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 6.4% | 7.9% |
| 5Y rolling worst | 2.2% | 2.4% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 4.5% | 3.8% |
| Sharpe ratio | -0.28 | -0.23 |
| Sortino ratio | -0.37 | -0.30 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −14.2% | −14.6% |
| Maximum drawdown, last 10Y | −5.4% | −5.1% |
| Maximum drawdown, last 5Y | −4.9% | −3.8% |
| Current drawdown | −3.0% | −1.7% |
| Recovery time of worst fall | 1132 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 0.6% | n/a | – |
| 2025 | 4.7% | n/a | – |
| 2024 | 8.3% | n/a | – |
| 2023 | 7.5% | n/a | – |
| 2022 | 2.4% | n/a | – |
| 2021 | 0.8% | n/a | – |
| 2020 | 9.9% | n/a | – |
| 2019 | 9.7% | n/a | – |
| 2018 | 4.9% | n/a | – |
| 2017 | 2.7% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 2 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,20,860 | 1.3% |
| 3 years | ₹3,60,000 | ₹3,78,969 | 3.4% |
| 5 years | ₹6,00,000 | ₹6,73,646 | 4.6% |
| 10 years | ₹12,00,000 | ₹15,54,044 | 5.0% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
AMC: Tata Mutual Fund
Category: Gilt
Plan / option: Regular · Growth
AMFI scheme code: 101042
ISIN: INF277K01519
First NAV in MFIC data: 3 Apr 2006
History: 20.5 years
Expense ratio, AUM, portfolio: see the scheme's factsheet
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| quant Gilt Fund | Gilt | 0.96 | 4.7% |
| Union Gilt Fund | Gilt | 0.96 | 4.4% |
| Union Dynamic Term Fund | Dynamic Bond | 0.96 | 4.7% |
| HSBC Gilt Fund | Gilt | 0.95 | 4.7% |
| HDFC Gilt Fund | Gilt | 0.94 | 5.7% |
| Kotak Long Term Fund | Long Duration | 0.94 | n/a |
Questions about Tata Gilt Fund
- What is the latest NAV of Tata Gilt Fund?
- The NAV of the Regular plan (growth option) was ₹78.9279 on 2 Oct 2026, as published by AMFI.
- Which category is Tata Gilt Fund in?
- It is classified as Gilt in AMFI's daily NAV file. MFIC compares it with 30 Gilt schemes (Regular plans).
- What returns has Tata Gilt Fund delivered?
- Over one year the NAV changed by 0.6%. The 3-year CAGR is 5.0% (category median 5.5%) and the 5-year CAGR is 4.7% (category median 4.8%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 6.5%, the lowest was -0.9%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in Tata Gilt Fund's NAV?
- The largest peak-to-trough fall in its available history was 14.2%; within the last five years it was 4.9% (category median 3.8%).
- How volatile is Tata Gilt Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 4.5%, which is above the Gilt category median of 3.8%.
- What would a monthly SIP in Tata Gilt Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹6,73,646 on 2 Oct 2026, an annualised return (XIRR) of 4.6%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 1.7% and the Regular plan's by 0.6%. The Regular plan includes the services of a distributor.
Reviewing your own mutual fund portfolio?
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 2 Oct 2026. Category medians use Regular plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.