DebtGilt FundDirectGrowthModerate

Bajaj Finserv Gilt Fund

Q: What is the NAV of Bajaj Finserv Gilt Fund?

As of 05 Oct 2026, the NAV of Bajaj Finserv Gilt Fund is ₹1,075.46 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

Q: What returns has Bajaj Finserv Gilt Fund delivered?

Bajaj Finserv Gilt Fund has returned +3.46% over 1 year and +4.29% 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.

Q: What is the expense ratio of Bajaj Finserv Gilt Fund?

Bajaj Finserv Gilt Fund charges an expense ratio of 0.47% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.

Q: What are the top holdings of Bajaj Finserv Gilt Fund?

Bajaj Finserv Gilt Fund's largest holdings are 91 Days Tbill (MD 27/11/2026) (52.3%), 91 Days Tbill (MD 01/10/2026) (17.6%), 364 Days Tbill (MD 26/11/2026) (17.4%) and 6.33% Government of India (05/05/2035) (0.3%). Holdings are disclosed monthly and change over time.

Q: How risky is Bajaj Finserv Gilt Fund?

Bajaj Finserv Gilt Fund is rated moderate on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 3.3% and its worst peak-to-trough fall in our sample was -3.9%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

Q: What is the benchmark of Bajaj Finserv Gilt Fund?

Bajaj Finserv Gilt Fund is benchmarked against the CRISIL Dynamic Gilt Index. Its alpha and beta on this page are measured against that index.

Q: Who manages Bajaj Finserv Gilt Fund?

Bajaj Finserv Gilt Fund is managed by Nimesh Chandan, Siddharth Chaudhary and Sourish Chatterjee at Bajaj Finserv.

Q: How is Bajaj Finserv Gilt Fund taxed?

Bajaj Finserv 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.

Bajaj Finserv Mutual Fund · Best Gilt Mutual Funds

NAV

₹1,075.46

+0.07% 1D

as of 05 Oct 2026

This is the Direct plan of Bajaj Finserv Gilt Fund — bought from the fund house, with no distributor commission in its expense ratio. Income is retained in the fund, so it shows up as NAV rather than as a payout.

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NAV history

+3.29%absolute

52-week rangePrev NAV ₹1,074.69

Latest ₹1,075.46

Low ₹1,029.9784th percentile of its 52-week rangeHigh ₹1,084.24

Scorecard

★★★★☆4/5 vs 25 Gilt Fund peers1Y

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). Based on a 1-year record — this fund is too young for a 3-year CAGR, so its performance is ranked on 1Y against the same peers.

Performance—

Not enough Gilt Fund peers to rank yet

RiskModerate

Volatility 3.3% vs 3.1% category avg

CostAverage

0.5% expense vs 0.5% category avg

Consistency—

Not enough history for a rolling 3Y view

Strengths & concerns

Generated from this fund's own numbers against its sub-category — each point names the figure behind it.

Strengths

1-year return (+3.46%) beats the Gilt Fund average (+2.45%)
Ranks #4 of 25 on 1-year return in its Gilt Fund cohort

Concerns

No significant concerns identified.

Key Metrics

Annual fee charged by the fund, already deducted from NAV

0.47%

Category 0.50%▼0.03%

Portfolio-weighted harmonic mean P/E across the fund's equity holdings

—

Category —

Excess return per unit of total volatility (rf = 6.5%)

—

Category -0.10

Scheme Info

Definitions

Plan

Direct · Growth

Period before units can be redeemed — 3 years for ELSS, none for most open-ended funds

None

Entry Load: Nil Exit Load: Nil The Trustee / AMC reserves the right to change the load structure any time in the future if they so deem fit on a prospective basis. The investor is requested to check the prevailing load structure of the scheme before investing.

—

Statutory levy on every mutual-fund purchase since 1 Jul 2020 (SEBI / Govt of India) — the same for every scheme

0.005%

SIP Inv.

Allowed

Smallest recurring SIP instalment the scheme accepts

₹1,000

Smallest one-time (lumpsum) investment the scheme accepts

₹5,000

CRISIL Dynamic Gilt Index

Start of our NAV history for this plan. Direct plans begin 1 Jan 2013, so this is the plan's inception — not necessarily the scheme's original launch date.

16 Jan 2025

Period returns (<1Y, absolute — not annualized)

Definitions

Absolute return over the last 1 month (not annualized)

-0.07%

Absolute return over the last 3 months (not annualized)

-0.57%

Absolute return over the last 6 months (not annualized)

+4.42%

Absolute return since 1 Jan of this year (not annualized)

+3.70%

Annualized returns (≥1Y — CAGR)

Definitions

1-year point-to-point return, annualized (CAGR)

+3.46%

3-year annualized return (CAGR)

—

5-year annualized return (CAGR)

—

10-year annualized return (CAGR)

—

Annualized return (CAGR) since the first NAV we hold for this plan — the Inception date under Key metrics. AMFI's history starts in April 2006, so an older scheme is measured from there.

+4.29%

Advanced metrics — risk

Risk (trailing 3Y)

Definitions

Annualized standard deviation of daily returns

3.33%

Excess return per unit of total volatility (rf = 6.5%)

—

Excess return per unit of downside deviation — upside swings aren't penalized (rf = 6.5%)

—

Largest peak-to-trough decline over full history

-3.87%

Benchmark ratios

Not shown for Gilt Fund — a debt, arbitrage or cash-like fund isn't measured against an equity index, so alpha/beta vs one would be noise rather than signal.

Fund vs category average (Gilt Fund)

Period	Fund	Category avg.	Diff
1M abs	-0.07%	-0.41%	+0.34%
3M abs	-0.57%	-1.05%	+0.48%
6M abs	+4.42%	+4.24%	+0.18%
1Y CAGR	+3.46%	+2.45%	+1.01%
3Y CAGR	—	+6.18%	—
5Y CAGR	—	+5.59%	—

Category average across peers in Gilt Fund (up to 24 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 24 peers in Gilt Fund

1Y return

+3.46%

Beats 87.5% · rank #4

3Y return

—

5Y return

—

Sharpe

—

Sortino

—

Backtest this fund

What a SIP or one-time investment would have grown to over this fund’s real NAV history.

Monthly investment (₹)

Period

Invested

₹1.20L

Current value

₹1.23L

Absolute

+2.20%

XIRR

+4.82%

Value vs. invested

ValueInvested

12 monthly installments of ₹10,000 into Bajaj Finserv 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	+3.70%
2025part	+3.65%

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.

History points

414

Expense ratio

0.47%

AUM

₹28.55Cr

YTM (from holdings)

5.17%

Macaulay duration

73 days

Average maturity

77 days

Exit load

Taxation

Taxed as debt

This 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.

Any holding period

30%

Short- and long-term alike

Your income-tax slab — no LTCG or indexation benefit

Your income-tax slab

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.

Peer comparison · Gilt Fund

Compare all


Bajaj Finserv Gilt FundThis fund Bajaj Finserv · Direct · Growth	★★★★☆ 1Y	+3.46%	—	—	—	0.47%	₹28.55Cr
Bandhan Gilt Fund Bandhan · Direct · Growth	★★★★☆	+7.28%	+8.04%	+6.44%	—	0.57%	₹1,970Cr
Axis Gilt Fund Axis · Direct · Growth	★★★★★	+3.38%	+7.01%	+5.90%	—	0.46%	₹431.63Cr
ICICI Prudential Gilt Fund ICICI Prudential · Direct · Growth	★★★★★	+3.40%	+6.72%	+6.36%	—	0.58%	₹8,858Cr
DSP Gilt Fund DSP · Direct · Growth	★★★☆☆	+2.40%	+6.69%	+5.89%	—	0.59%	₹1,264Cr
SBI Gilt Fund SBI · Direct · Growth	★★★★★	+3.33%	+6.55%	+6.21%	—	0.50%	₹8,746Cr

Asset allocation

As on 31 Aug 2026 · AMC disclosure

Debt87.59%
Cash & Equivalents12.41%

Cash & cash-like: 87.28% — the 12.41% above plus treasury bills, certificates of deposit, commercial paper and TREPS, which the allocation files under Debt but the market counts as cash-equivalent.

Fund size over time

Quarterly average AUM · AMFI

₹28.55Cr

April - June 2026

-2%

since January - March 2026

−₹63.37L

est. net flow, last quarter

At or near its largest, ₹29.03Cr in January - March 2026. Size matters most where the mandate is narrow — a large small-cap or a very large flexi-cap book is harder to move without moving the price.

Net flow is an estimate: AMFI publishes a quarterly average AUM, not a closing balance, and it covers every plan and option of this scheme together, so it is a read on direction and rough size rather than a cash-flow statement.

AMC Profile

Bajaj Finserv Mutual Fund is run by Bajaj Finserv Asset Management, part of the Bajaj Finserv financial services group, and began launching schemes in 2023. Its line-up spans equity, hybrid and debt.

Launched

17 Oct 2021

Total AUM

₹37,842Cr+14.6% QoQ

Avg AUM · July - September 2026

Website

bajajamc.com

Fund Managers

NCNimesh ChandanStart date not disclosed

Role

Chief Investment Officer

Experience

Mr. Nimesh has over 24 years of experience in the Indian Capital Markets. He has spent 18 years in Fund Management- managing and advising domestic and international investors, retail as well as institutional. Prior to joining Bajaj Finserv Asset Management Ltd, he has worked with Canara Robeco Asset Management as Head Investments, Equities (Domestic and Offshore). He has also worked with other asset management companies including Birla Sunlife Asset Management, SBI Asset Management and ICICI Prudential Asset Management. #Jointly with Mr. Sorbh Gupta

Funds managed (14)

All schemes Nimesh Chandan runs →

SCSiddharth ChaudharyStart date not disclosed

Role

Senior Fund Manager – Fixed Income

Experience

Mr. Chaudhary joined the Company in July 2022 as Senior Fund Manager Fixed Income. Prior to this he was associated with Sundaram Asset Management Co. Ltd from April 2019 - July 2022 as Head Fixed Income Institutional Business, from April 2017 – March 2019 as Senior Fund Manager – Fixed Income, from August 2010

Funds managed (19)

All schemes Siddharth Chaudhary runs →

SCSourish ChatterjeeManaging since 19 May 2026

Role

Associate Fund Manager and Dealer – Fixed Income

Experience

Mr. Chatterjee joined Bajaj Asset Management Limited (Formerly known as Bajaj Finserv Asset Management Limited) in May 2023. Mr. Chatterjee has over 14 years of work experience across various functions in Investments and Broking. Prior to BFAML, Mr. Chatterjee was earlier associated with Maxlife Insurance Co Ltd, LKP Securities and Mata Securities.

Fund managers from the AMC's filed Scheme Summary — its most recent filing for this scheme. Benchmark and dealing terms from it and this scheme's SEBI-filed Scheme Information Document on AMFI. 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

Fund managers

Nimesh Chandan Siddharth Chaudhary

Bajaj Finserv 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 Bajaj Finserv Gilt Fund?

As of 05 Oct 2026, the NAV of Bajaj Finserv Gilt Fund is ₹1,075.46 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

What returns has Bajaj Finserv Gilt Fund delivered?

Bajaj Finserv Gilt Fund has returned +3.46% over 1 year and +4.29% 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 Bajaj Finserv Gilt Fund?

Bajaj Finserv Gilt Fund charges an expense ratio of 0.47% 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 Bajaj Finserv Gilt Fund?

Bajaj Finserv Gilt Fund's largest holdings are 91 Days Tbill (MD 27/11/2026) (52.3%), 91 Days Tbill (MD 01/10/2026) (17.6%), 364 Days Tbill (MD 26/11/2026) (17.4%) and 6.33% Government of India (05/05/2035) (0.3%). Holdings are disclosed monthly and change over time.

How risky is Bajaj Finserv Gilt Fund?

Bajaj Finserv Gilt Fund is rated moderate on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 3.3% and its worst peak-to-trough fall in our sample was -3.9%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

What is the benchmark of Bajaj Finserv Gilt Fund?

Bajaj Finserv Gilt Fund is benchmarked against the CRISIL Dynamic Gilt Index. Its alpha and beta on this page are measured against that index.

Who manages Bajaj Finserv Gilt Fund?

Bajaj Finserv Gilt Fund is managed by Nimesh Chandan, Siddharth Chaudhary and Sourish Chatterjee at Bajaj Finserv.

How is Bajaj Finserv Gilt Fund taxed?

Bajaj Finserv 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.