Bajaj Finserv Gilt Fund is a Gilt fund run by Bajaj Finserv Mutual Fund. On 30-09-2026, it managed ₹26 Cr of investors' money. In the year to 30-10-2026, its Direct plan returned 4.2% and its Regular plan returned 3.3%.
NAV on 30-10-2026: Direct Plan Growth ₹1,077.26 (down 0.06% that day); Regular Plan Growth ₹1,061.41 (down 0.07% that day).
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Period | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| This fund (Direct) | +0.18% | +0.40% | +3.04% | +4.22% | -- | -- | -- |
| This fund (Regular) | +0.11% | +0.18% | +2.58% | +3.30% | -- | -- | -- |
| Gilt average | −0.69% | −1.34% | +1.62% | +2.12% | -- | -- | -- |
| Best in Gilt | +0.27% | +0.76% | +4.80% | +7.50% | -- | -- | -- |
| Worst in Gilt | −1.33% | −2.45% | +0.15% | −0.46% | -- | -- | -- |
| Rank in Gilt | 2/28 | 2/28 | 2/28 | 2/28 | -- | -- | -- |
Category rows compare the Direct plans of 28 Gilt funds. Rank 1 is the highest return. This fund's benchmark is CRISIL Dynamic Gilt Index. Returns of that index are not available to us, so the category average is the comparison.
| Year | Direct | Regular |
|---|---|---|
| 2026to date | +3.87% | +3.11% |
The return of every holding period in the fund's history, not only the one that ends today
Rolling returns
Each point is the yearly return of one 1-year holding period, plotted on the day it ended. There are 189 periods, one for each trading day from 16-01-2026 to 30-10-2026.
Bajaj Finserv Gilt Fund (Direct)
Category average, 28 Gilt funds
Every holding period at a glance
| Period | Periods | Median | Lowest | Highest | With a loss | Category median | Beat category |
|---|---|---|---|---|---|---|---|
| 1 year | 189 | 3.0% | −1.6% | 5.8% | 18% | 3.3% | 32% |
Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat category" counts the periods in which the fund did better than the average of the 28 Gilt funds (Direct plans, each weighted the same) over the same days. Past returns do not promise future returns.
How much it swings, and the falls an investor had to sit through
Risk and return
| Measure | Bajaj Finserv Gilt Fund (Direct)This fund | Category average |
|---|---|---|
| Return (CAGR) | +4.22% | +2.12% |
| Standard deviation | 2.97% | 3.18% |
| Sharpe ratio | -0.35 | -0.98 |
| Sortino ratio | -0.52 | -1.35 |
| Maximum drawdown | −1.6% (02-04-2026) | −2.6% (02-04-2026) |
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
| Measure | Bajaj Finserv Gilt Fund (Direct)This fund | Category average |
|---|---|---|
| Return (CAGR) | +4.22% | +3.69% |
| Standard deviation | 3.19% | 3.13% |
| Sharpe ratio | -0.40 | -0.58 |
| Sortino ratio | -0.57 | -0.81 |
| Maximum drawdown | −3.9% (26-08-2025) | −3.1% (26-08-2025) |
From daily NAVs, 16-01-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
Bajaj Finserv Gilt Fund (Direct)
Category average, 28 Gilt funds
| Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today | |
|---|---|---|---|---|---|---|
| Bajaj Finserv Gilt Fund (Direct) | −3.9% | 28-05-2025 | 26-08-2025 | 18-06-2026 | 10 months | −0.64% |
| Category average | −3.1% | 28-05-2025 | 26-08-2025 | 27-02-2026 | 6 months | −2.3% |
From the Direct plan's daily NAV since 16-01-2025, adjusted for unit splits, and the average of the 28 Gilt funds (Direct plans, each weighted the same) over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.
The five Gilt funds with the best three year return, and this fund. Direct plans.
| Fund name | Rank | AUM (Cr) | Exp. ratio | 1Y return | 3Y return | 3Y alpha | 3Y beta | 3Y Sharpe | 3Y Sortino | |
|---|---|---|---|---|---|---|---|---|---|---|
| Bandhan Gilt Fund | 1/26 | 1,686 | 0.57% | +7.50% | +8.37% | -- | -- | 0.69 | 1.00 | Compare |
| Bandhan 10 year Constant Maturity Gilt Fund | 2/26 | 285 | 0.26% | +2.61% | +7.25% | -- | -- | 0.44 | 0.64 | Compare |
| Bajaj Finserv Gilt Fund | 2/28 | 26 | 0.47% | +4.22% | -- | -- | -- | -- | -- | |
| Axis Gilt Fund | 3/26 | 336 | 0.46% | +3.08% | +6.94% | -- | -- | 0.31 | 0.45 | Compare |
| ICICI Prudential 10 year Constant Maturity Gilt Fund | 4/26 | 1,935 | 0.29% | +2.06% | +6.88% | -- | -- | 0.32 | 0.45 | Compare |
| UTI 10 year Constant Maturity Gilt Fund | 5/26 | 105 | 0.33% | +1.45% | +6.55% | -- | -- | 0.19 | 0.27 | Compare |
AUM is each fund's size at the end of its last reported month, from its own portfolio file. We calculate the risk ratios from daily NAVs over the last three years. The risk-free return is what NSE's overnight rate index earned over the same years. Alpha and beta compare each fund with its own benchmark's TRI. "--" means we have no figure: for alpha and beta, no daily series for that benchmark.
What each plan charges a year, in force from 01-09-2026
| Plan | Base expense ratio | Brokerage | Transaction costs | Levies and GST | Total expense ratio | Gilt median | Cost rank (1 = cheapest) |
|---|---|---|---|---|---|---|---|
| Direct | 0.33% | 0.00% | 0.07% | 0.07% | 0.47% | 0.48% | 12/28 |
| Regular | 1.09% | 0.00% | 0.07% | 0.20% | 1.36% | 1.15% | 23/28 |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file. Cost rank: where this plan comes when the Gilt funds' plans of the same type are sorted from the lowest total expense ratio to the highest.
Direct vs Regular: what the gap cost
Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.
| Over the last | Regular | Direct | Direct earned more by | ₹1 lakh became (Regular) | ₹1 lakh became (Direct) |
|---|---|---|---|---|---|
| 1 year | 3.30% | 4.22% | 0.92% | ₹1,03,300 | ₹1,04,220 |
Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.
What a one-time or monthly investment in this fund would be worth today, from its own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 16-01-2025 to 30-10-2026: 22 instalments, ₹2,20,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Direct planBajaj Finserv Gilt Fund (Direct) | ₹2,20,000 | ₹2,27,672 | ₹7,672 | 3.7% |
| Regular planBajaj Finserv Gilt Fund (Regular) | ₹2,20,000 | ₹2,25,787 | ₹5,787 | 2.8% |
| Category averageCategory average, 28 Gilt funds | ₹2,20,000 | ₹2,24,453 | ₹4,453 | 2.1% |
Direct planBajaj Finserv Gilt Fund (Direct)
Regular planBajaj Finserv Gilt Fund (Regular)
Category averageCategory average, 28 Gilt funds
Amount invested
From each plan's published NAV (Growth option) and the category average, over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Asset allocation as on 30-09-2026
87.0%Debt
| Asset | Fund | Category |
|---|---|---|
| Debt | 87.0% | 87.2% |
| Cash and others | 13.0% | 12.8% |
Bonds and money market papers by credit rating, % of the fund. Category: the average of 28 Gilt funds.
| Rating | Fund | Category |
|---|---|---|
| Sovereign | 87.0% | 86.6% |
As on 30-09-2026 · 6 holdings · from the fund house's monthly portfolio
| Holdings | Rating | Weight% |
|---|---|---|
| 91 Days Tbill (MD 22/10/2026) · Treasury bill | Sovereign | 19.52% |
| 91 Days Tbill (MD 27/11/2026) · Treasury bill | Sovereign | 19.42% |
| 182 Days Tbill (MD 31/12/2026) · Treasury bill | Sovereign | 19.32% |
| 7.24% Government of India (18/08/2055) · Government security | Sovereign | 18.58% |
| 91 Days Tbill (MD 01/10/2026) · Treasury bill | Sovereign | 9.79% |
| 6.33% Government of India (05/05/2035) · Government security | Sovereign | 0.33% |
Funds with the most similar portfolios, across every fund house and category
| Fund | Overlap | Holdings in common | |
|---|---|---|---|
| Baroda BNP Paribas Gilt FundGilt · Baroda BNP Paribas | 30.7% | 3 | Compare |
| Kotak Gilt FundGilt · Kotak Mahindra | 27.8% | 3 | Compare |
| Edelweiss Gilt FundGilt · Edelweiss | 27.0% | 2 | Compare |
| Union Dynamic Term FundDynamic Bond · Union | 18.7% | 2 | Compare |
| Invesco India Gilt FundGilt · Invesco | 18.6% | 1 | Compare |
| UTI Long Term FundLong Duration · UTI | 18.6% | 1 | Compare |
| Union Gilt FundGilt · Union | 18.6% | 1 | Compare |
| Kotak Medium to Long Term FundMedium to Long Duration · Kotak Mahindra | 15.8% | 1 | Compare |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.
Fund facts from the scheme summary document, as on 16-10-2026
Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.
| Plan | Option | NAV | As on |
|---|---|---|---|
| direct | Growth | ₹1,077.262 | 30-10-2026 |
| direct | IDCW | ₹1,077.262 | 30-10-2026 |
| regular | Growth | ₹1,061.4082 | 30-10-2026 |
| regular | IDCW | ₹1,061.4082 | 30-10-2026 |
Bajaj Finserv Gilt Fund is a mutual fund from Bajaj Finserv Mutual Fund. Its category is Gilt. It was launched on 15-01-2025. Its benchmark is CRISIL Dynamic Gilt Index. At the end of September 2026 it held 6 securities.
Nimesh Chandan
Fund manager of Bajaj Finserv Gilt Fund, since 15-01-2025
Siddharth Chaudhary
Fund manager of Bajaj Finserv Gilt Fund, since 15-01-2025
Sourish Chatterjee
Fund manager of Bajaj Finserv Gilt Fund, since 19-05-2026
See all funds of Bajaj Finserv Mutual Fund
AUM moves with money invested or taken out, and with the value of what the fund holds.
Returns, risk, costs and the stocks they share, side by side
The Direct plan NAV is ₹1,077.262. The Regular plan NAV is ₹1,061.4082, as on 30-10-2026.
The Direct plan returned +4.22% in 1 year. The Regular plan returned +3.30% in 1 year. These figures are as on 30-10-2026.
The Direct plan charges 0.47% a year. The Regular plan charges 1.36% a year. This is the figure the fund house reported to AMFI, in force from 01-09-2026.
Bajaj Finserv Gilt Fund managed ₹25.54 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.
At the end of September 2026 the largest holdings were 91 Days Tbill (MD 22/10/2026) (19.52%), 91 Days Tbill (MD 27/11/2026) (19.42%), 182 Days Tbill (MD 31/12/2026) (19.32%), 7.24% Government of India (18/08/2055) (18.58%), 91 Days Tbill (MD 01/10/2026) (9.79%). The fund held 6 securities in all.
Through Bajaj Finserv Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least ₹5,000. You can invest once or through a monthly SIP.
Nimesh Chandan (since 15-01-2025), Siddharth Chaudhary (since 15-01-2025), Sourish Chatterjee (since 19-05-2026).
Nil
Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.
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