Should I invest in Tata Gilt Securities Fund?

We don't give personal investment advice. Tata Gilt Securities Fund - Direct Plan - Payout of IDCW 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: 4.2%. 5-year CAGR: 5.63%.

Tata

Tata Gilt Securities Fund - Direct Plan - Payout of IDCW Option

Latest NAV

₹24.6665

As of

3 Jun 2026

3,232 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	+0.11%	+0.06%	+0.05	4 / 48	Q1
1W	+0.16%	+0.18%	-0.01	10 / 48	Q1
2W	+0.78%	+0.60%	+0.18	9 / 48	Q1
1M	-0.06%	+0.25%	-0.31	32 / 48	Q3
3M	-1.16%	-0.44%	-0.71	31 / 48	Q3
6M	+0.15%	+0.24%	-0.09	25 / 48	Q3
YTD	-0.69%	+0.12%	-0.82	34 / 48	Q3
1Y	-1.03%	-1.18%	+0.15	21 / 48	Q2
2Y	+5.02%	+2.32%	+2.69	11 / 43	Q2
3Y	+5.79%	+2.92%	+2.87	9 / 41	Q1
4Y	+6.79%	+3.17%	+3.62	5 / 36	Q1
5Y	+5.63%	+2.31%	+3.32	4 / 33	Q1
7Y	+6.14%	+2.57%	+3.57	7 / 30	Q1
10Y	+5.80%	+2.99%	+2.81	6 / 27	Q1
Inception	+5.29%	+3.38%	+1.92	15 / 48	Q2

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	-0.69%	-0.58%	-0.12	25 / 39
2025	+6.06%	+1.34%	+4.71	1 / 38
2024	+9.75%	+5.54%	+4.21	9 / 35
2023	+8.11%	+4.18%	+3.93	3 / 35
2022	+3.27%	+0.43%	+2.84	2 / 31
2021	+1.54%	-0.22%	+1.77	10 / 31
2020	+11.92%	+5.04%	+6.89	5 / 31
2019	+7.36%	+7.33%	+0.03	14 / 26
2018	+4.73%	+4.31%	+0.42	16 / 31
2017	+0.17%	-0.85%	+1.02	15 / 33
2016	+7.62%	+9.36%	-1.73	19 / 31

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

+5.73%

152 windows

min -5.4% · max 13.8%

88% positive

3-Year rolling

+5.73%

127 windows

min 2.0% · max 9.5%

100% positive

5-Year rolling

+5.58%

103 windows

min 2.3% · max 7.1%

100% positive

7-Year rolling

+5.83%

79 windows

min 4.5% · max 7.8%

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

4.55%

3-year · annualised

Sharpe ratio

-0.17

vs risk-free 6.5%

Sortino ratio

-0.27

Downside-only deviation

Max drawdown

-4.19%

Oct 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 - IDCW Option - Direct Plan	HDFC	₹12.9019	3 Jun 2026
NIPPON INDIA GILT FUND - Direct Plan - MONTHLY IDCW Option	Nippon India	₹11.5637	3 Jun 2026
SBI Gilt Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.7535	3 Jun 2026
ICICI Prudential Gilt Fund - Direct Plan - IDCW	ICICI Prudential	₹18.1300	3 Jun 2026
Invesco India Gilt Fund - Direct Plan - Annual IDCW (Payout / Reinvestment)	Invesco	₹1,174.6952	3 Jun 2026
Bandhan Gilt Fund - Direct Plan - Annual IDCW	Bandhan	₹12.2891	3 Jun 2026
quant Gilt Fund - IDCW Option - Direct Plan	Quant	₹12.2696	3 Jun 2026
Aditya Birla Sun Life Govenment Securities Fund -DIRECT - Quarterly IDCW	Aditya Birla Sun Life	₹11.4114	3 Jun 2026
Franklin India Government Securities Fund - Direct - IDCW	Franklin India	₹11.8135	3 Jun 2026
Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option - Direct	Kotak	₹23.8598	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹24.6665
2 Jun 2026	₹24.7082
1 Jun 2026	₹24.6802
29 May 2026	₹24.7010
27 May 2026	₹24.6900
26 May 2026	₹24.6677
25 May 2026	₹24.6730
22 May 2026	₹24.5512
21 May 2026	₹24.5232
20 May 2026	₹24.5602

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 Tata Gilt Securities Fund - Direct Plan - Payout of IDCW Option is ₹24.6665. It's a Gilt Fund from Tata, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Tata Gilt Securities Fund - Direct Plan - Payout of IDCW Option has NAV history starting from 09 Jan 2013, a track record of about 13 years 4 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.

Tata Gilt Securities Fund - Direct Plan - Payout of IDCW Option is managed by Tata. 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, Tata Gilt Securities Fund - Direct Plan - Payout of IDCW Option has delivered a absolute return of -1.03% — +0.15 pp ahead of the Gilt Fund category average of -1.18%. The fund ranks #21 of 48 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Tata Gilt Securities Fund - Direct Plan - Payout of IDCW Option has delivered a CAGR of 5.79% — +2.87 pp ahead of the Gilt Fund category average of 2.92%. The fund ranks #9 of 41 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Tata Gilt Securities Fund - Direct Plan - Payout of IDCW Option has delivered a CAGR of 5.63% — +3.32 pp ahead of the Gilt Fund category average of 2.31%. The fund ranks #4 of 33 in its category — the top (Q1) quartile.

₹1 lakh invested in Tata Gilt Securities Fund - Direct Plan - Payout of IDCW Option exactly 10 years ago would be worth approximately ₹175,685 today — a multiplier of 1.76×, based on the 10-year CAGR of 5.80%. The category average over the same window would have grown ₹1 lakh to ₹134,259.

A ₹10,000 monthly SIP in Tata Gilt Securities Fund - Direct Plan - Payout of IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹692,199 today. That's an XIRR (money-weighted annualised return) of 5.65%.

A ₹10,000 monthly SIP for 10 years in Tata Gilt Securities Fund - Direct Plan - Payout of IDCW Option = ₹1,200,000 invested. It would currently be worth ₹1,616,882 (multiplier 1.35×). XIRR: 5.81%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Tata Gilt Securities Fund - Direct Plan - Payout of IDCW Option ranks #4 out of 33 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 2.31%; this fund delivered 5.63%.

The worst peak-to-trough decline Tata Gilt Securities Fund - Direct Plan - Payout of IDCW Option has experienced over the last 5-year window is 4.19% — its NAV fell from a high on 15 Oct 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, Tata Gilt Securities Fund - Direct Plan - Payout of IDCW Option averaged 5.58% (best 7.13%, worst 2.30%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.25 — negative risk-adjusted performance.

In calendar year 2025, Tata Gilt Securities Fund - Direct Plan - Payout of IDCW Option returned 6.06% — beating the Gilt Fund category average of 1.34% by 4.71 pp. It ranked #1 of 38 in its category that year.

Tata Gilt Securities Fund - Direct Plan - Payout of IDCW 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. Tata Gilt Securities Fund - Direct Plan - Payout of IDCW 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: 4.2%. 5-year CAGR: 5.63%.

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

Tata Gilt Securities Fund - Direct Plan - Payout of IDCW 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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