Should I invest in HDFC Gilt Fund-Long Term?

We don't give personal investment advice. HDFC Gilt Fund-Long Term-Growth 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: 3.1%. 5-year CAGR: 4.92%.

HDFC

HDFC Gilt Fund-Long Term-Growth

Latest NAV

₹55.7582

As of

3 Jun 2026

4,882 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	+0.08%	+0.05%	+0.03	16 / 50	Q2
1W	+0.07%	+0.10%	-0.03	34 / 50	Q3
2W	+0.57%	+0.33%	+0.24	15 / 50	Q2
1M	+0.00%	+0.17%	-0.17	33 / 50	Q3
3M	-0.84%	-0.05%	-0.79	31 / 49	Q3
6M	+0.35%	+0.58%	-0.23	24 / 48	Q2
YTD	-0.17%	+0.44%	-0.60	31 / 48	Q3
1Y	-0.62%	-0.07%	-0.56	26 / 48	Q3
2Y	+4.81%	+3.72%	+1.09	26 / 47	Q3
3Y	+5.58%	+4.38%	+1.20	23 / 46	Q2
4Y	+6.13%	+4.72%	+1.41	19 / 44	Q2
5Y	+4.92%	+3.72%	+1.21	20 / 42	Q2
7Y	+5.68%	+4.46%	+1.22	20 / 42	Q2
10Y	+6.13%	+4.82%	+1.31	18 / 42	Q2
Inception	+6.65%	+5.09%	+1.56	26 / 50	Q3

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	-0.17%	+0.03%	-0.20	18 / 35
2025	+5.25%	+3.16%	+2.09	5 / 37
2024	+8.80%	+7.11%	+1.69	17 / 37
2023	+7.04%	+5.56%	+1.48	17 / 37
2022	+1.73%	+1.37%	+0.36	23 / 37
2021	+2.17%	+1.03%	+1.13	15 / 37
2020	+10.48%	+8.25%	+2.23	15 / 37
2019	+8.71%	+8.56%	+0.16	22 / 37
2018	+5.34%	+3.47%	+1.87	16 / 47
2017	+0.62%	+0.07%	+0.55	24 / 47
2016	+16.44%	+11.27%	+5.17	9 / 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

+7.05%

234 windows

min -7.0% · max 23.5%

95% positive

3-Year rolling

+7.03%

210 windows

min 1.3% · max 14.8%

100% positive

5-Year rolling

+7.14%

185 windows

min 3.9% · max 11.7%

100% positive

7-Year rolling

+7.38%

161 windows

min 4.9% · max 9.6%

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

3.49%

3-year · annualised

Sharpe ratio

-0.28

vs risk-free 6.5%

Sortino ratio

-0.49

Downside-only deviation

Max drawdown

-3.08%

May 2025 → Aug 2025

% positive months

80.6%

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-Dividend	HDFC	₹12.0577	3 Jun 2026
SBI MGLT- DIVIDEND - PF (Fixed Period - 1 Yr) Option	SBI	₹20.7036	3 Jun 2026
ICICI Prudential Gilt Fund-Investment-Dividend	ICICI Prudential	₹17.1914	3 Jun 2026
Templeton India Govt.Sec. Fund-Long Term Plan - Dividend	Franklin Templeton	₹10.6205	3 Jun 2026
Kotak Gilt-Investment Provident Fund and Trust-Dividend	Kotak Mahindra	₹11.6326	3 Jun 2026
DSP BlackRock Government Securities Fund - Dividend	DSP BlackRock	₹12.3761	3 Jun 2026
BARODA PIONEER GILT FUND-Dividend Plan	Baroda Pioneer	₹25.4008	3 Jun 2026
Canara Robeco Gilt PGS-Growth Plan	Canara Robeco	₹75.5222	3 Jun 2026
UTI - GILT ADVANTAGE-LONG TERM PF-DIVIDEND	UTI	₹26.5331	3 Jun 2026
PGIM India Gilt Fund - Quarterly Dividend	PGIM India	₹13.2250	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹55.7582
2 Jun 2026	₹55.8089
1 Jun 2026	₹55.7635
29 May 2026	₹55.8234
27 May 2026	₹55.7684
26 May 2026	₹55.7699
25 May 2026	₹55.7660
22 May 2026	₹55.5779
21 May 2026	₹55.5189
20 May 2026	₹55.5716

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 03 Jun 2026, the NAV of HDFC Gilt Fund-Long Term-Growth is ₹55.7582. 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-Growth has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 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-Growth 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-Growth has delivered a absolute return of -0.62% — -0.56 pp behind the Gilt Fund category average of -0.07%. The fund ranks #26 of 48 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HDFC Gilt Fund-Long Term-Growth has delivered a CAGR of 5.58% — +1.2 pp ahead of the Gilt Fund category average of 4.38%. The fund ranks #23 of 46 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HDFC Gilt Fund-Long Term-Growth has delivered a CAGR of 4.92% — +1.21 pp ahead of the Gilt Fund category average of 3.72%. The fund ranks #20 of 42 in its category — the second (Q2) quartile.

₹1 lakh invested in HDFC Gilt Fund-Long Term-Growth exactly 10 years ago would be worth approximately ₹181,280 today — a multiplier of 1.81×, based on the 10-year CAGR of 6.13%. The category average over the same window would have grown ₹1 lakh to ₹160,073.

A ₹10,000 monthly SIP in HDFC Gilt Fund-Long Term-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹683,370 today. That's an XIRR (money-weighted annualised return) of 5.14%.

A ₹10,000 monthly SIP for 10 years in HDFC Gilt Fund-Long Term-Growth = ₹1,200,000 invested. It would currently be worth ₹1,587,888 (multiplier 1.32×). XIRR: 5.46%. 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-Growth ranks #20 out of 42 funds in the Gilt Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 3.72%; this fund delivered 4.92%.

The worst peak-to-trough decline HDFC Gilt Fund-Long Term-Growth has experienced over the last 5-year window is 3.08% — its NAV fell from a high on 28 May 2025 to a low on 26 Aug 2025. 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-Growth averaged 7.14% (best 11.66%, worst 3.91%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.52 — negative risk-adjusted performance.

In calendar year 2025, HDFC Gilt Fund-Long Term-Growth returned 5.25% — beating the Gilt Fund category average of 3.16% by 2.09 pp. It ranked #5 of 37 in its category that year.

HDFC Gilt Fund-Long Term-Growth 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-Growth 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: 3.1%. 5-year CAGR: 4.92%.

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

HDFC Gilt Fund-Long Term-Growth

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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