SEBI sub-category

Gilt Fund with 10-year Constant Duration funds

Funds

Direct plans only

Category 1Y avg

+1.23%

Category 5Y CAGR

+5.49%

Direct vs Regular

Direct Regular

5-Year return distribution

How the 5 Gilt Fund with 10-year Constant Duration funds spread across return buckets. Taller bars = more funds in that band.

Risk vs Return — Gilt Fund with 10-year Constant Duration

Each dot is a fund. Up-and-left = high return for low risk (the sweet spot). Down-and-right = under-performing with high volatility. Colour = 5-year peer quartile.

Q1 (top 25%) Q2 Q3 Q4 (bottom 25%) 4 funds plotted

All Gilt Fund with 10-year Constant Duration funds

Sort by: 1Y 3Y 5Y 7Y 10Y

#	Scheme	NAV	1Y	3Y	5Y	7Y	10Y	Peer Q (5Y)	Sharpe	Max DD
1	ICICI Prudential Constant Maturity Gilt Fund - Direct Plan - Growth ICICI Prudential	25.99	+1.64%	+6.73%	+5.81%	+7.24%	+7.93%	Q1	0.02	-2.7%
2	Bandhan Gilt Fund with 10 year constant duration Fund - Direct Plan - Growth Bandhan	48.21	+2.20%	+7.13%	+5.80%	+7.11%	+8.03%	Q2	0.13	-2.9%
3	SBI CONSTANT MATURITY 10 YEAR GILT FUND - DIRECT PLAN - GROWTH SBI	67.83	+1.13%	+6.48%	+5.76%	+6.81%	+7.82%	Q3	-0.06	-2.7%
4	DSP 10Y G-Sec Fund - Direct Plan - Growth DSP	22.65	+0.16%	+5.95%	+4.59%	+6.06%	+6.61%	Q4	-0.24	-2.7%
5	UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Growth Option UTI	13.08	+1.01%	+6.45%	—	—	—	—	-0.07	-2.7%

Direct plans typically outperform Regular plans by around 50 basis points per year because they carry no distributor commission. The "Peer Q (5Y)" column shows the fund's quartile within this category over the 5-year window: Q1 = top 25%.

Frequently asked questions

Generated from this category's live aggregates — average returns, fund counts, quartile spreads. Updated daily.

Gilt Funds invest exclusively in government securities (G-secs). Zero credit risk, but high interest-rate sensitivity — long-duration gilt funds can fall 5-10% when yields rise. Best held when you expect rates to fall.

We currently track 5 active Gilt Fund with 10-year Constant Duration schemes (Direct plan, Growth option). The list updates daily after AMFI publishes new NAVs and SEBI re-classifies schemes. 1 of them sit in the top quartile by 5-year CAGR.

Over the last 5 years, the average Gilt Fund with 10-year Constant Duration (Direct plan) has returned 5.49% CAGR — that turns ₹1 lakh into roughly ₹130,633. Over the last 12 months the category averaged 1.23%. Top-quartile funds in this category typically beat the average by 3-6 percentage points per year — fund selection within a category matters more than the category choice itself.

Over the trailing 5-year window, the highest-returning Gilt Fund with 10-year Constant Duration in our database is **ICICI Prudential Constant Maturity Gilt Fund - Direct Plan - Growth** (ICICI Prudential) with a CAGR of 5.81%. The category average is 5.49%. Past performance is no guarantee of future returns — top-quartile funds in one window often slip in the next.

The best 1-year return in the Gilt Fund with 10-year Constant Duration category right now is **Bandhan Gilt Fund with 10 year constant duration Fund - Direct Plan - Growth** (Bandhan) at 2.20%. 1-year numbers are noisy and shouldn't be the sole basis for picking — cross-check rolling returns and 5-year CAGR before deciding.

Across all Gilt Fund with 10-year Constant Duration schemes with 5 years of history, the 5-year CAGR ranges from 4.58% (worst) to 5.81% (best), with a median of 5.80%. That spread of about 1 percentage points between top and bottom is a useful gauge of how much fund selection matters in this category.

On ProfitGuruOnline you can browse either Gilt Fund with 10-year Constant Duration Direct plans (lower expense ratio, no broker commission baked in) or Regular plans (sold through distributors). Use the filter on the category page. Direct typically outperforms Regular by 0.5-1% per year in the same scheme — meaningful over 10+ years.

Gilt Fund with 10-year Constant Duration is a Debt scheme. For units bought on or after 1 April 2023, all gains are taxed at slab rate, no indexation. Pre-Apr-2023 holdings keep the old rules (20% LTCG with indexation if held over 36 months).

Less critical. Debt funds have low day-to-day volatility, so lumpsum and SIP outcomes converge. SIP still works for discipline, especially if your savings flow is monthly.

Gilt Fund with 10-year Constant Duration schemes are best held 5+ years and timed to a falling-rate cycle. NAV can fall 5-10% if rates rise sharply.

Lower risk than equity but not zero — credit-risk funds can lose 10-20% from a single corporate default; long-duration funds lose 5-10% if rates spike. Liquid and overnight funds are the safest debt sub-categories.

Two or three schemes from different AMCs is usually enough for a single category. Beyond that you'd be re-creating the category average minus your selection cost. Focus on consistency (% of rolling-return windows that ended positive) over chasing top performers — top quartile rarely repeats.

Quarterly is plenty for monitoring NAVs and aggregate gain; annually (or after major regulatory changes like Budget 2024) is the right cadence for re-evaluating against alternatives. Don't churn based on 1-month or even 1-year underperformance — equity funds need 3-5 year horizons to fairly judge.

We rank funds within each category by point-to-point CAGR over the chosen window (1Y, 3Y, 5Y, 7Y, 10Y, since inception), then assign quartile and decile bands so any fund's standing relative to peers is one click away. Numbers are recomputed nightly after AMFI's NAV publish.

Daily NAVs are pulled directly from AMFI's published feed. Category classification uses SEBI's October-2017 mutual-fund categorisation circular. We compute returns, rolling-window stats, SIP backtests, drawdowns and Sharpe ratios in-house — no third-party feeds, no hidden adjustments.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.