This is the Regular plan of Tata Gilt Fund — bought through a distributor, whose commission is paid out of its expense ratio. Income is retained in the fund, so it shows up as NAV rather than as a payout.
NAV history
Scorecard
★★☆☆☆2/5 vs 27 Gilt Fund peers- Performance 60%
- Risk 15%
- Cost 10%
- Downside 15%
How this is computed
Each verdict is computed from this fund's own metrics against its sub-category — the number behind it is shown, not a black-box rating. The stars weight the same ground 60/15/10/15 (performance/risk/cost/downside) across every fund in the peer group. Ranked within Gilt Fund (same plan and option).
3Y CAGR +5.03% · ranks 18 of 26 Gilt Funds
Volatility 3.5% vs 3.1% category avg
1.3% expense vs 1.2% category avg
100% of rolling 3Y windows were positive
Strengths & concerns
Generated from this fund's own numbers against its sub-category — each point names the figure behind it.
Strengths
- Consistent — positive in 100% of rolling 3-year windows
Concerns
- Trails the Gilt Fund average on 1M/3M/1Y — 1Y by 1.50pp
- 3-year return (+5.03%) trails the Gilt Fund average (+5.53%)
- Ranks #23 of 28 on 1-year return in its Gilt Fund cohort
- More volatile than its Gilt Fund peers (3.5% vs 3.1%)
- High expense ratio (1.32%) vs the Gilt Fund average of 1.18%
Key Metrics
Scheme Info
DefinitionsPeriod returns (<1Y, absolute — not annualized)
DefinitionsAnnualized returns (≥1Y — CAGR)
DefinitionsAdvanced metrics — risk
Fund vs category average (Gilt Fund)
| Period | Fund | Category avg. | Diff |
|---|---|---|---|
| 1M abs | -1.39% | -0.52% | -0.87% |
| 3M abs | -1.85% | -1.00% | -0.85% |
| 6M abs | +3.81% | +3.29% | +0.52% |
| 1Y CAGR | +0.63% | +2.13% | -1.50% |
| 3Y CAGR | +5.03% | +5.53% | -0.50% |
| 5Y CAGR | +4.67% | +4.91% | -0.24% |
Category average across peers in Gilt Fund (up to 27 funds with data), same plan and option, excluding this fund. Under-1-year figures are absolute; 1Y and beyond are annualised (CAGR).
Not sure what a figure means? The glossary explains every metric, and the methodology shows the formulas.
Category rank
Vs 27 peers in Gilt Fund
Backtest this fund
What a SIP or one-time investment would have grown to over this fund’s real NAV history.
60 monthly installments of ₹10,000 into Tata Gilt Fund, valued at the latest NAV. XIRR annualizes for each installment’s timing.
Calendar-year returns
What the fund actually returned in each year, not the smoothed average.
| Year | Fund | |
|---|---|---|
| 2026part | +0.56% | |
| 2025 | +4.71% | |
| 2024 | +8.27% | |
| 2023 | +7.49% | |
| 2022 | +2.36% | |
| 2021 | +0.80% | |
| 2020 | +9.86% | |
| 2019 | +9.70% | |
| 2018 | +4.93% | |
| 2017 | +2.67% |
January–December, from this fund's NAV history. Absolute return, not annualised. “part” marks a year the fund didn't run end to end — its first year, the current year so far, or one it stopped reporting in.
Taxation
Taxed as debtThis is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — every rupee of gain is added to your income and taxed at your income-tax slab rate, whatever the holding period.
Your income-tax slab — no LTCG or indexation benefit
Pick your slab to see the rate that applies to you.
Applies to capital gains on redemption. Excludes IDCW/dividend tax, STT, surcharge and cess, and pre-2018 equity grandfathering. For research only — consult a tax advisor before filing.
Asset allocation
As on 31 Aug 2026 · AMC disclosure- Debt97.05%
- Cash & Equivalents2.95%
AMC Profile
Tata Mutual Fund is run by Tata Asset Management, part of the Tata Group, and has been in business since 1995. It runs a broad line-up across equity, debt and hybrid, including several long-running thematic schemes.
Fund Managers
AMAkhil MittalManaging since 01 Mar 2022
PKPuja KasatManaging since 01 Jun 2026
Fund Manager
MBA (Finance). Bachelor of Engineering in Electronics and Telecommunication Engineering
17 From 16th March 2026 onwards With Tata Asset Management Private Limited as Fund Manager - Fixed Income, having fund management responsibilities, reporting to Deputy Head - Fixed Income. From June 2020 till March 2026 With SBI Funds Management Pvt. Ltd. as Fund Manager having fund management responsibilities for managing Provident Fund debt mandates of PMS division, reporting to Head - PMS. From February 2018 till June 2020 With Invesco Mutual Fund as Credit Analyst having responsibilities of analyzing companies in Financial and non-financial services sectors, reporting to Head - Fixed Income. From November 2014 till September 2017 With CRISIL Ratings as Credit Analyst having responsibilities of analyzing companies in nonfinancial services sectors and preparing & publishing rating SAI- Tata Mutual Fund reports, reporting to Associate Director.
Fund managers from the AMC's filed Scheme Summary — its most recent filing for this scheme. Each manager's qualifications and role are reconciled across every filing this fund house makes for them, including its Statement of Additional Information. Total AUM via AMFI.
Explore from here
Tata in the news
Headlines about the fund house, not this scheme in particular — highlights only; tap through to read the full story at the source.
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Returns and risk are computed from NAV history and may differ slightly from other portals due to methodology (rolling vs point-to-point, dividend treatment). For research only — not investment advice.
About Gilt funds
Gilt funds lend only to the government, so they carry no credit risk. Their prices do move with interest rates, though — they can swing when rate expectations change.
Frequently asked questions
What is the NAV of Tata Gilt Fund?
As of 01 Oct 2026, the NAV of Tata Gilt Fund is ₹78.93 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.
What returns has Tata Gilt Fund delivered?
Tata Gilt Fund has returned +0.63% over 1 year, +5.03% per year over 3 years, +4.67% per year over 5 years and +6.38% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.
What is the expense ratio of Tata Gilt Fund?
Tata Gilt Fund charges an expense ratio of 1.32% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.
What are the top holdings of Tata Gilt Fund?
Tata Gilt Fund's largest holdings are 7.06% (27/07/2041) (44.3%), 6.90% (15/04/2065) (40.3%), 7.09% (05/08/2054) (6.0%), 7.18% (14/08/2033) (3.2%) and 7.10% (08/04/2034) (3.2%). Holdings are disclosed monthly and change over time.
How risky is Tata Gilt Fund?
Tata Gilt Fund is rated moderate on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 3.5% and its worst peak-to-trough fall in our sample was -14.2%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.
What does the Sharpe ratio of -0.42 mean?
The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. Tata Gilt Fund's -0.42 means it has not compensated investors for its volatility over the window. Higher is better.
What is the benchmark of Tata Gilt Fund?
Tata Gilt Fund is benchmarked against the CRISIL Dynamic Gilt Index (AIII). Its alpha and beta on this page are measured against that index.
Who manages Tata Gilt Fund?
Tata Gilt Fund is managed by Akhil Mittal and Puja Kasat at Tata.
How is Tata Gilt Fund taxed?
Tata Gilt Fund is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — capital gains are added to your income and taxed at your income-tax slab rate regardless of how long you held the units.