Should I invest in Tata Gilt Securities Fund?

We don't give personal investment advice. Tata Gilt Securities Fund - 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: 4.9%. 5-year CAGR: 4.59%.

Tata

Tata Gilt Securities Fund - DIvidend

Latest NAV

₹21.4731

As of

3 Jun 2026

4,869 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%	+0.05%	+0.06	4 / 50	Q1
1W	+0.14%	+0.10%	+0.05	15 / 50	Q2
2W	+0.73%	+0.33%	+0.41	7 / 50	Q1
1M	-0.15%	+0.17%	-0.32	39 / 50	Q4
3M	-1.44%	-0.05%	-1.39	45 / 49	Q4
6M	-0.40%	+0.58%	-0.98	41 / 48	Q4
YTD	-1.16%	+0.44%	-1.59	44 / 48	Q4
1Y	-2.12%	-0.07%	-2.06	35 / 48	Q3
2Y	+3.86%	+3.72%	+0.14	30 / 47	Q3
3Y	+4.67%	+4.38%	+0.29	28 / 46	Q3
4Y	+5.70%	+4.72%	+0.99	22 / 44	Q2
5Y	+4.59%	+3.72%	+0.88	25 / 42	Q3
7Y	+5.05%	+4.46%	+0.60	28 / 42	Q3
10Y	+4.67%	+4.82%	-0.15	29 / 42	Q3
Inception	+3.08%	+5.09%	-2.00	36 / 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	-1.16%	+0.03%	-1.18	31 / 35
2025	+4.91%	+3.16%	+1.75	10 / 37
2024	+8.50%	+7.11%	+1.38	21 / 37
2023	+7.19%	+5.56%	+1.64	12 / 37
2022	+2.32%	+1.37%	+0.95	18 / 37
2021	+0.73%	+1.03%	-0.30	26 / 37
2020	+10.44%	+8.25%	+2.19	16 / 37
2019	+6.30%	+8.56%	-2.26	29 / 37
2018	+3.40%	+3.47%	-0.06	26 / 47
2017	-1.03%	+0.07%	-1.10	33 / 47
2016	+6.61%	+11.27%	-4.66	36 / 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

+3.41%

234 windows

min -12.3% · max 18.3%

78% positive

3-Year rolling

+3.22%

210 windows

min -4.4% · max 8.4%

91% positive

5-Year rolling

+3.23%

184 windows

min -1.6% · max 6.7%

96% positive

7-Year rolling

+3.32%

161 windows

min -0.3% · max 6.7%

99% 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

4.54%

3-year · annualised

Sharpe ratio

-0.40

vs risk-free 6.5%

Sortino ratio

-0.62

Downside-only deviation

Max drawdown

-4.91%

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-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	₹21.4731
2 Jun 2026	₹21.5100
1 Jun 2026	₹21.4863
29 May 2026	₹21.5064
27 May 2026	₹21.4981
26 May 2026	₹21.4793
25 May 2026	₹21.4847
22 May 2026	₹21.3806
21 May 2026	₹21.3568
20 May 2026	₹21.3897

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 - DIvidend is ₹21.4731. It's a Gilt Fund from Tata, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Tata Gilt Securities Fund - DIvidend 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.

Tata Gilt Securities Fund - DIvidend 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 - DIvidend has delivered a absolute return of -2.12% — -2.06 pp behind the Gilt Fund category average of -0.07%. The fund ranks #35 of 48 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Tata Gilt Securities Fund - DIvidend has delivered a CAGR of 4.67% — +0.29 pp ahead of the Gilt Fund category average of 4.38%. The fund ranks #28 of 46 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Tata Gilt Securities Fund - DIvidend has delivered a CAGR of 4.59% — +0.88 pp ahead of the Gilt Fund category average of 3.72%. The fund ranks #25 of 42 in its category — the third (Q3) quartile.

₹1 lakh invested in Tata Gilt Securities Fund - DIvidend exactly 10 years ago would be worth approximately ₹157,822 today — a multiplier of 1.58×, based on the 10-year CAGR of 4.67%. The category average over the same window would have grown ₹1 lakh to ₹160,073.

A ₹10,000 monthly SIP in Tata Gilt Securities Fund - DIvidend over the last 5 years — total invested ₹600,000 — would be worth ₹673,080 today. That's an XIRR (money-weighted annualised return) of 4.54%.

A ₹10,000 monthly SIP for 10 years in Tata Gilt Securities Fund - DIvidend = ₹1,200,000 invested. It would currently be worth ₹1,527,877 (multiplier 1.27×). XIRR: 4.72%. 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 - DIvidend ranks #25 out of 42 funds in the Gilt Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.72%; this fund delivered 4.59%.

The worst peak-to-trough decline Tata Gilt Securities Fund - DIvidend has experienced over the last 5-year window is 4.91% — 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, Tata Gilt Securities Fund - DIvidend averaged 3.23% (best 6.72%, worst -1.58%). 96% of rolling windows ended positive. The 5-year Sharpe ratio is -0.50 — negative risk-adjusted performance.

In calendar year 2025, Tata Gilt Securities Fund - DIvidend returned 4.91% — beating the Gilt Fund category average of 3.16% by 1.75 pp. It ranked #10 of 37 in its category that year.

Tata Gilt Securities Fund - 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. Tata Gilt Securities Fund - 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: 4.9%. 5-year CAGR: 4.59%.

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