Should I invest in HDFC Gilt Fund-Long Term?

We don't give personal investment advice. HDFC Gilt Fund-Long Term-Dividend 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: 5.9%. 5-year CAGR: 0.79%.

HDFC

HDFC Gilt Fund-Long Term-Dividend

Latest NAV

₹12.2632

As of

17 Jul 2026

4,913 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	-0.15%	-0.09%	-0.06	30 / 50	Q3
1W	-0.42%	-0.21%	-0.21	33 / 50	Q3
2W	-0.38%	-0.20%	-0.18	34 / 50	Q3
1M	+0.28%	+0.85%	-0.57	39 / 50	Q4
3M	+1.43%	+1.89%	-0.45	36 / 49	Q3
6M	+1.64%	+2.36%	-0.72	32 / 48	Q3
YTD	+1.10%	+2.02%	-0.91	33 / 48	Q3
1Y	+0.05%	+2.29%	-2.23	39 / 48	Q4
2Y	+1.54%	+4.35%	-2.80	36 / 47	Q4
3Y	+1.63%	+4.90%	-3.27	36 / 46	Q4
4Y	+1.40%	+5.03%	-3.63	35 / 44	Q4
5Y	+0.79%	+4.10%	-3.31	33 / 42	Q4
7Y	+0.86%	+4.23%	-3.37	33 / 42	Q4
10Y	+0.74%	+4.82%	-4.07	34 / 42	Q4
Inception	+0.97%	+5.14%	-4.18	41 / 50	Q4

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	+1.10%	+2.19%	-1.09	29 / 35
2025	+0.70%	+3.16%	-2.46	28 / 37
2024	+2.38%	+7.11%	-4.74	31 / 37
2023	+1.28%	+5.56%	-4.28	31 / 37
2022	-1.70%	+1.37%	-3.07	31 / 37
2021	-1.23%	+1.03%	-2.26	31 / 37
2020	+4.06%	+8.25%	-4.19	30 / 37
2019	+3.54%	+8.56%	-5.01	33 / 37
2018	+1.45%	+3.47%	-2.01	32 / 47
2017	-4.80%	+0.07%	-4.87	43 / 47
2016	+5.11%	+11.27%	-6.16	38 / 46

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

+1.02%

236 windows

min -9.5% · max 15.1%

64% positive

3-Year rolling

+0.86%

211 windows

min -3.1% · max 5.3%

76% positive

5-Year rolling

+0.89%

187 windows

min -2.6% · max 2.2%

93% positive

7-Year rolling

+0.92%

163 windows

min -0.7% · max 2.7%

95% 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

3.42%

3-year · annualised

Sharpe ratio

-1.40

vs risk-free 6.5%

Sortino ratio

-2.10

Downside-only deviation

Max drawdown

-5.93%

May 2025 → Apr 2026

% positive months

55.6%

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-Long Term-Growth	HDFC	₹57.4038	17 Jul 2026
SBI MGLT- DIVIDEND - PF (Fixed Period - 1 Yr) Option	SBI	₹21.1223	17 Jul 2026
ICICI Prudential Gilt Fund-Investment-Dividend	ICICI Prudential	₹17.7074	17 Jul 2026
Templeton India Govt.Sec. Fund-Long Term Plan - Dividend	Franklin Templeton	₹10.7265	17 Jul 2026
Kotak Gilt-Investment Provident Fund and Trust-Dividend	Kotak Mahindra	₹11.8321	17 Jul 2026
DSP BlackRock Government Securities Fund - Dividend	DSP BlackRock	₹12.8314	17 Jul 2026
BARODA PIONEER GILT FUND-Dividend Plan	Baroda Pioneer	₹26.1330	17 Jul 2026
Canara Robeco Gilt PGS-Growth Plan	Canara Robeco	₹76.8324	17 Jul 2026
UTI - GILT ADVANTAGE-LONG TERM PF-DIVIDEND	UTI	₹26.9141	17 Jul 2026
PGIM India Gilt Fund - Quarterly Dividend	PGIM India	₹13.1211	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹12.2632
16 Jul 2026	₹12.2817
15 Jul 2026	₹12.2637
14 Jul 2026	₹12.2430
13 Jul 2026	₹12.3049
10 Jul 2026	₹12.3144
9 Jul 2026	₹12.2864
8 Jul 2026	₹12.2768
7 Jul 2026	₹12.3195
6 Jul 2026	₹12.3236

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 HDFC Gilt Fund-Long Term-Dividend is ₹12.2632. It's a Gilt Fund from HDFC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HDFC Gilt Fund-Long Term-Dividend has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

HDFC Gilt Fund-Long Term-Dividend is managed by HDFC. 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, HDFC Gilt Fund-Long Term-Dividend has delivered a absolute return of 0.05% — -2.23 pp behind the Gilt Fund category average of 2.29%. The fund ranks #39 of 48 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HDFC Gilt Fund-Long Term-Dividend has delivered a CAGR of 1.63% — -3.27 pp behind the Gilt Fund category average of 4.90%. The fund ranks #36 of 46 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, HDFC Gilt Fund-Long Term-Dividend has delivered a CAGR of 0.79% — -3.31 pp behind the Gilt Fund category average of 4.10%. The fund ranks #33 of 42 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HDFC Gilt Fund-Long Term-Dividend exactly 10 years ago would be worth approximately ₹107,699 today — a multiplier of 1.08×, based on the 10-year CAGR of 0.74%. The category average over the same window would have grown ₹1 lakh to ₹160,044.

A ₹10,000 monthly SIP in HDFC Gilt Fund-Long Term-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹616,954 today. That's an XIRR (money-weighted annualised return) of 1.10%.

A ₹10,000 monthly SIP for 10 years in HDFC Gilt Fund-Long Term-Dividend = ₹1,200,000 invested. It would currently be worth ₹1,261,335 (multiplier 1.05×). XIRR: 0.99%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HDFC Gilt Fund-Long Term-Dividend ranks #33 out of 42 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 4.10%; this fund delivered 0.79%.

The worst peak-to-trough decline HDFC Gilt Fund-Long Term-Dividend has experienced over the last 5-year window is 5.93% — 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, HDFC Gilt Fund-Long Term-Dividend averaged 0.89% (best 2.23%, worst -2.59%). 93% of rolling windows ended positive. The 5-year Sharpe ratio is -1.68 — negative risk-adjusted performance.

In calendar year 2025, HDFC Gilt Fund-Long Term-Dividend returned 0.70% — lagging the Gilt Fund category average of 3.16% by 2.46 pp. It ranked #28 of 37 in its category that year.

HDFC Gilt Fund-Long Term-Dividend 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. HDFC Gilt Fund-Long Term-Dividend 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: 5.9%. 5-year CAGR: 0.79%.

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