Should I invest in Aditya Birla Sun Life Government Securities Fund?

We don't give personal investment advice. Aditya Birla Sun Life Government Securities Fund - Growth - Direct Plan is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 5.4%. 5-year CAGR: 5.72%.

Aditya Birla Sun Life

Aditya Birla Sun Life Government Securities Fund - Growth - Direct Plan

Latest NAV

₹88.9498

As of

17 Jul 2026

3,269 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	-0.21%	-0.13%	-0.07	20 / 28	Q3
1W	-0.63%	-0.34%	-0.29	25 / 28	Q4
2W	-0.68%	-0.31%	-0.37	26 / 28	Q4
1M	+1.81%	+1.36%	+0.44	6 / 28	Q1
3M	+2.72%	+2.44%	+0.27	13 / 28	Q2
6M	+3.12%	+3.18%	-0.06	17 / 28	Q3
YTD	+2.19%	+2.66%	-0.47	20 / 28	Q3
1Y	+1.68%	+3.05%	-1.38	25 / 28	Q4
2Y	+4.81%	+6.05%	-1.24	24 / 26	Q4
3Y	+6.13%	+6.92%	-0.79	24 / 26	Q4
4Y	+6.56%	+7.32%	-0.75	21 / 24	Q4
5Y	+5.72%	+6.26%	-0.54	20 / 23	Q4
7Y	+6.20%	+6.36%	-0.16	11 / 20	Q3
10Y	+7.45%	+7.29%	+0.17	7 / 19	Q2
Inception	+8.31%	+7.32%	+0.98	7 / 28	Q1

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+2.19%	+2.87%	-0.67	20 / 25
2025	+3.86%	+4.92%	-1.06	19 / 24
2024	+9.93%	+9.80%	+0.12	10 / 23
2023	+7.56%	+7.39%	+0.17	7 / 23
2022	+2.40%	+3.07%	-0.67	17 / 20
2021	+4.23%	+3.02%	+1.21	3 / 20
2020	+12.35%	+11.78%	+0.58	8 / 20
2019	+11.99%	+11.76%	+0.23	9 / 20
2018	+7.47%	+6.33%	+1.13	8 / 23
2017	+3.55%	+2.44%	+1.11	6 / 23
2016	+17.16%	+16.47%	+0.69	10 / 21

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+8.63%

153 windows

min -3.7% · max 23.1%

97% positive

3-Year rolling

+8.68%

129 windows

min 4.3% · max 16.2%

100% positive

5-Year rolling

+8.50%

105 windows

min 5.0% · max 11.4%

100% positive

7-Year rolling

+8.71%

80 windows

min 6.2% · max 11.8%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

3.81%

3-year · annualised

Sharpe ratio

-0.11

vs risk-free 6.5%

Sortino ratio

-0.20

Downside-only deviation

Max drawdown

-5.45%

May 2025 → Apr 2026

% positive months

69.4%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Gilt Fund

Scheme	Fund house	NAV	As of
HDFC Gilt Fund - Growth Option - Direct Plan	HDFC	₹60.7021	17 Jul 2026
Nippon India Gilt Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹44.4983	17 Jul 2026
SBI GILT FUND - DIRECT PLAN - GROWTH	SBI	₹72.7778	17 Jul 2026
ICICI Prudential Gilt Fund - Direct Plan - Growth	ICICI Prudential	₹117.0925	17 Jul 2026
Invesco India Gilt Fund - Direct Plan - Growth	Invesco	₹3,253.9767	17 Jul 2026
Bandhan Gilt Fund - Direct Plan - Growth	Bandhan	₹40.8837	17 Jul 2026
quant Gilt Fund - Growth Option - Direct Plan	Quant	₹12.5584	17 Jul 2026
Franklin India Government Securities Fund - Direct - Growth	Franklin India	₹67.5404	17 Jul 2026
Kotak Gilt-Investment Provident Fund and Trust-Growth - Direct	Kotak	₹114.3952	17 Jul 2026
Edelweiss Government Securities Fund - Direct Plan - Growth Option	Edelweiss	₹26.8686	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹88.9498
16 Jul 2026	₹89.1363
15 Jul 2026	₹88.9695
14 Jul 2026	₹88.9136
13 Jul 2026	₹89.4108
10 Jul 2026	₹89.5160
9 Jul 2026	₹89.2972
8 Jul 2026	₹89.2287
7 Jul 2026	₹89.6590
6 Jul 2026	₹89.6683

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 17 Jul 2026, the NAV of Aditya Birla Sun Life Government Securities Fund - Growth - Direct Plan is ₹88.9498. It's a Gilt Fund from Aditya Birla Sun Life, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Aditya Birla Sun Life Government Securities Fund - Growth - Direct Plan has NAV history starting from 02 Jan 2013, a track record of about 13 years 6 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Aditya Birla Sun Life Government Securities Fund - Growth - Direct Plan is managed by Aditya Birla Sun Life. It's classified by AMFI under the 'Gilt Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Aditya Birla Sun Life Government Securities Fund - Growth - Direct Plan has delivered a absolute return of 1.68% — -1.38 pp behind the Gilt Fund category average of 3.05%. The fund ranks #25 of 28 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Government Securities Fund - Growth - Direct Plan has delivered a CAGR of 6.13% — -0.79 pp behind the Gilt Fund category average of 6.92%. The fund ranks #24 of 26 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Government Securities Fund - Growth - Direct Plan has delivered a CAGR of 5.72% — -0.54 pp behind the Gilt Fund category average of 6.26%. The fund ranks #20 of 23 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Aditya Birla Sun Life Government Securities Fund - Growth - Direct Plan exactly 10 years ago would be worth approximately ₹205,229 today — a multiplier of 2.05×, based on the 10-year CAGR of 7.45%. The category average over the same window would have grown ₹1 lakh to ₹202,031.

A ₹10,000 monthly SIP in Aditya Birla Sun Life Government Securities Fund - Growth - Direct Plan over the last 5 years — total invested ₹600,000 — would be worth ₹694,307 today. That's an XIRR (money-weighted annualised return) of 5.78%.

A ₹10,000 monthly SIP for 10 years in Aditya Birla Sun Life Government Securities Fund - Growth - Direct Plan = ₹1,200,000 invested. It would currently be worth ₹1,685,360 (multiplier 1.40×). XIRR: 6.61%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Aditya Birla Sun Life Government Securities Fund - Growth - Direct Plan ranks #20 out of 23 funds in the Gilt Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 6.26%; this fund delivered 5.72%.

The worst peak-to-trough decline Aditya Birla Sun Life Government Securities Fund - Growth - Direct Plan has experienced over the last 5-year window is 5.45% — its NAV fell from a high on 28 May 2025 to a low on 02 Apr 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Aditya Birla Sun Life Government Securities Fund - Growth - Direct Plan averaged 8.50% (best 11.41%, worst 4.95%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.26 — negative risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life Government Securities Fund - Growth - Direct Plan returned 3.86% — lagging the Gilt Fund category average of 4.92% by 1.06 pp. It ranked #19 of 24 in its category that year.

Aditya Birla Sun Life Government Securities Fund - Growth - Direct Plan is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. Aditya Birla Sun Life Government Securities Fund - Growth - Direct Plan is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 5.4%. 5-year CAGR: 5.72%.

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

Aditya Birla Sun Life Government Securities Fund - Growth - Direct Plan

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Gilt Fund

Recent NAVs

Frequently asked questions

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