Should I invest in SBI GILT FUND?

We don't give personal investment advice. SBI GILT FUND - GROWTH - PF (Regular) Option 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: 3.3%. 5-year CAGR: 6.06%.

SBI

SBI GILT FUND - GROWTH - PF (Regular) Option

Latest NAV

₹43.9796

As of

24 Jul 2026

4,927 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	+0.09%	+0.11%	-0.01	21 / 26	Q4
1W	+0.18%	-0.34%	+0.51	1 / 26	Q1
2W	-0.01%	-0.85%	+0.84	1 / 26	Q1
1M	+0.81%	-0.15%	+0.96	1 / 26	Q1
3M	+2.40%	+2.27%	+0.13	17 / 26	Q3
6M	+3.18%	+1.83%	+1.35	4 / 26	Q1
YTD	+3.10%	+1.59%	+1.51	3 / 25	Q1
1Y	+3.05%	+0.68%	+2.37	2 / 25	Q1
2Y	+5.54%	+2.79%	+2.75	2 / 23	Q1
3Y	+6.41%	+3.73%	+2.69	2 / 23	Q1
4Y	+6.98%	+4.18%	+2.79	2 / 22	Q1
5Y	+6.06%	+3.23%	+2.84	1 / 19	Q1
7Y	+6.49%	+2.77%	+3.72	1 / 19	Q1
10Y	+7.35%	+2.92%	+4.43	1 / 14	Q1
Inception	+7.33%	+3.02%	+4.32	2 / 26	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	+3.10%	+1.59%	+1.51	3 / 25
2025	+4.76%	+2.10%	+2.66	1 / 24
2024	+9.07%	+6.37%	+2.70	7 / 23
2023	+7.45%	+4.50%	+2.95	2 / 24
2022	+4.23%	+0.99%	+3.24	1 / 19
2021	+2.98%	-0.38%	+3.35	3 / 19
2020	+11.44%	+3.90%	+7.54	4 / 19
2019	+13.36%	+5.60%	+7.76	2 / 19
2018	+5.07%	+4.05%	+1.02	14 / 19
2017	+3.18%	-1.74%	+4.92	3 / 19
2016	+16.12%	+8.76%	+7.37	4 / 15

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

+7.54%

236 windows

min -11.9% · max 23.1%

94% positive

3-Year rolling

+7.65%

211 windows

min 1.2% · max 15.0%

100% positive

5-Year rolling

+7.95%

187 windows

min 2.5% · max 12.2%

100% positive

7-Year rolling

+8.35%

163 windows

min 5.2% · max 10.9%

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

3.11%

3-year · annualised

Sharpe ratio

-0.09

vs risk-free 6.5%

Sortino ratio

-0.18

Downside-only deviation

Max drawdown

-3.35%

May 2025 → Aug 2025

% positive months

77.8%

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
Bandhan Gilt Fund - Regular - Plan B - Half Yearly IDCW	Bandhan	₹11.6579	24 Jul 2026
quant Gilt Fund - IDCW Option - Regular Plan	Quant	₹12.1319	24 Jul 2026
Kotak Gilt-Investment Regular-Growth	Kotak Mahindra	₹97.1603	24 Jul 2026
Edelweiss Government Securities Fund - Regular Plan - Annual - IDCW Option	Edelweiss	₹25.0005	24 Jul 2026
HSBC Gilt Fund - Regular Quarterly IDCW	HSBC	₹10.2124	24 Jul 2026
Axis Gilt Fund - Regular Plan - Half Yearly IDCW	Axis	₹12.0560	24 Jul 2026
Bajaj Finserv Gilt Fund - Regular - IDCW	Bajaj Finserv	₹1,060.1185	24 Jul 2026
Groww Gilt Fund - Regular - IDCW	Groww	₹9.8744	24 Jul 2026
Invesco India Gilt Fund - Regular Plan - Annual IDCW (Payout / Reinvestment)	Religare	₹1,172.2262	24 Jul 2026
LIC MF Gilt Fund-Regular Plan-Growth	LIC	₹60.1727	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹43.9796
23 Jul 2026	₹43.9391
22 Jul 2026	₹43.9633
21 Jul 2026	₹43.9932
20 Jul 2026	₹43.9673
17 Jul 2026	₹43.9023
16 Jul 2026	₹43.9672
15 Jul 2026	₹43.9210
14 Jul 2026	₹43.8570
13 Jul 2026	₹43.9785

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 24 Jul 2026, the NAV of SBI GILT FUND - GROWTH - PF (Regular) Option is ₹43.9796. It's a Gilt Fund from SBI, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

SBI GILT FUND - GROWTH - PF (Regular) Option 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.

SBI GILT FUND - GROWTH - PF (Regular) Option is managed by SBI. 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, SBI GILT FUND - GROWTH - PF (Regular) Option has delivered a absolute return of 3.05% — +2.37 pp ahead of the Gilt Fund category average of 0.68%. The fund ranks #2 of 25 in its category — the top (Q1) quartile.

Over the trailing 3-year window, SBI GILT FUND - GROWTH - PF (Regular) Option has delivered a CAGR of 6.41% — +2.69 pp ahead of the Gilt Fund category average of 3.73%. The fund ranks #2 of 23 in its category — the top (Q1) quartile.

Over the trailing 5-year window, SBI GILT FUND - GROWTH - PF (Regular) Option has delivered a CAGR of 6.06% — +2.84 pp ahead of the Gilt Fund category average of 3.23%. The fund ranks #1 of 19 in its category — the top (Q1) quartile.

₹1 lakh invested in SBI GILT FUND - GROWTH - PF (Regular) Option exactly 10 years ago would be worth approximately ₹203,162 today — a multiplier of 2.03×, based on the 10-year CAGR of 7.35%. The category average over the same window would have grown ₹1 lakh to ₹133,291.

A ₹10,000 monthly SIP in SBI GILT FUND - GROWTH - PF (Regular) Option over the last 5 years — total invested ₹600,000 — would be worth ₹702,308 today. That's an XIRR (money-weighted annualised return) of 6.23%.

A ₹10,000 monthly SIP for 10 years in SBI GILT FUND - GROWTH - PF (Regular) Option = ₹1,200,000 invested. It would currently be worth ₹1,695,421 (multiplier 1.41×). XIRR: 6.72%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI GILT FUND - GROWTH - PF (Regular) Option ranks #1 out of 19 funds in the Gilt Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 3.23%; this fund delivered 6.06%.

The worst peak-to-trough decline SBI GILT FUND - GROWTH - PF (Regular) Option has experienced over the last 5-year window is 3.35% — 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, SBI GILT FUND - GROWTH - PF (Regular) Option averaged 7.95% (best 12.20%, worst 2.51%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.21 — negative risk-adjusted performance.

In calendar year 2025, SBI GILT FUND - GROWTH - PF (Regular) Option returned 4.76% — beating the Gilt Fund category average of 2.10% by 2.66 pp. It ranked #1 of 24 in its category that year.

SBI GILT FUND - GROWTH - PF (Regular) Option 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. SBI GILT FUND - GROWTH - PF (Regular) Option 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: 3.3%. 5-year CAGR: 6.06%.

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

SBI GILT FUND - GROWTH - PF (Regular) Option

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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