Bandhan Gilt Fund vs UTI - Gilt Fund
Bandhan Gilt Fund (Direct) and UTI - Gilt Fund (Direct) head to head: growth of ₹100, returns across every window, risk, cost, and portfolio overlap — every figure computed from AMFI NAV history, nothing supplied by a fund house. Both are Gilt Fund schemes — see the best gilt mutual funds for the full ranking.
Head to head
NAVs as of 04 Nov 2026
Growth of ₹100 (rebased over the selected window)
Common period 03 Jan 2013 – 04 Nov 2026, limited by UTI - Gilt Fund. Every series is rebased to ₹100 at the start of this window.
View as table
| Date | Bandhan Gilt Fund | UTI - Gilt Fund |
|---|---|---|
| 03 Jan 2013 | ₹100.00 | ₹100.00 |
| 28 Feb 2014 | ₹107.58 | ₹103.74 |
| 25 Apr 2015 | ₹128.37 | ₹127.95 |
| 19 Jun 2016 | ₹138.20 | ₹135.46 |
| 14 Aug 2017 | ₹161.13 | ₹162.83 |
| 09 Oct 2018 | ₹161.90 | ₹164.36 |
| 05 Dec 2019 | ₹191.52 | ₹189.85 |
| 29 Jan 2021 | ₹222.01 | ₹210.94 |
| 26 Mar 2022 | ₹231.05 | ₹215.79 |
| 21 May 2023 | ₹243.00 | ₹231.67 |
| 15 Jul 2024 | ₹269.33 | ₹251.57 |
| 09 Sep 2025 | ₹286.49 | ₹270.85 |
| 04 Nov 2026 | ₹311.19 | ₹286.33 |
| Metric | Bandhan · Direct NAV ₹41.05 Moderate risk ★★★☆☆ | UTI · Direct NAV ₹68.46 Moderate risk ★★★★☆ | Category median Gilt Fund · 25 funds |
|---|---|---|---|
| +7.31%Best in row | +4.60% | +3.09% | |
| +8.25%Best in row | +6.79% | +6.29% | |
| +6.45%Best in row | +5.77% | +5.68% | |
| +7.70%Best in row | +6.93% | +6.86% | |
| +8.58% | +7.90% | +7.42% | |
| +7.17%Best in row | +6.06% | — | |
| +8.64%Best in row | +8.12% | +7.89% | |
| +8.46%Best in row | +7.84% | +7.77% | |
| +8.54%Best in row | +8.02% | +8.02% | |
| Risk | |||
| 3.48% | 2.74%Best in row | 3.11% | |
| 0.50Best in row | 0.11 | -0.08 | |
| 0.73Best in row | 0.15 | -0.10 | |
| -7.05% | -8.10% | -7.84% | |
| 0.57% | 0.47%Best in row | 0.50% | |
| ₹1,800Cr | ₹407.09Cr | ₹158.30Cr | |
| ₹100 | ₹500 | — | |
| ₹1.00K | ₹500 | — | |
| Brijesh Shah | Pankaj Pathak | — | |
| 09 Mar 2002 | 21 Jan 2002 | — | |
| 93.1% | 13.6% | — | |
10 rows carry the same value for every fund — show
- Benchmark
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- Alpha
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- Beta
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- Upside capture
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- Downside capture
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- Exit load
- None
- Lock-in
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- Holdings
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- Top 10 weight
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Best marks the strongest value in a row, and only where the gap is bigger than noise — a near-tie is left unmarked rather than dressed up as a result. SIP XIRR is a ₹10,000/month instalment over 5 years of real NAV history. Nothing here is supplied by a fund house. For research only — not investment advice.
Frequently asked questions
Which fund has delivered higher returns — Bandhan Gilt Fund or UTI - Gilt Fund?
Over the last 3 years, Bandhan Gilt Fund returned +8.25% CAGR against UTI - Gilt Fund's +6.79%, computed from AMFI NAV history. Over 5 years: Bandhan Gilt Fund +6.45% vs UTI - Gilt Fund +5.77% CAGR. Past returns don't guarantee future performance.
Which fund is cheaper — Bandhan Gilt Fund or UTI - Gilt Fund?
UTI - Gilt Fund has the lower expense ratio: Bandhan Gilt Fund charges 0.57% a year against UTI - Gilt Fund's 0.47%. The expense ratio is deducted from the NAV daily, so a lower one compounds in the investor's favour.
Which fund is riskier — Bandhan Gilt Fund or UTI - Gilt Fund?
Bandhan Gilt Fund has shown higher volatility (+3.48% annualized vs UTI - Gilt Fund's +2.74%), measured as the annualized standard deviation of daily returns over the trailing 3 years. Worst 3-year drawdown: Bandhan Gilt Fund -4.08% vs UTI - Gilt Fund -3.24%.
Which fund manages more money — Bandhan Gilt Fund or UTI - Gilt Fund?
Bandhan Gilt Fund is the larger fund: Bandhan Gilt Fund manages ₹1,800Cr against UTI - Gilt Fund's ₹407.09Cr in assets. Size cuts both ways — scale lowers costs, but a very large fund can find it harder to move in and out of positions.
Are Bandhan Gilt Fund and UTI - Gilt Fund in the same category?
Yes — both are Gilt Fund schemes, so their returns, risk and cost are directly comparable against the same peer set.
Figures update daily from AMFI NAV history; ratings and ranks are WealthTicker’s own — see the methodology. This is data, not investment advice.