Should I invest in Tata Gilt Securities Fund?

We don't give personal investment advice. Tata Gilt Securities Fund - 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: 4.9%. 5-year CAGR: 5.31%.

Tata

Tata Gilt Securities Fund - Growth

Latest NAV

₹80.3595

As of

17 Jul 2026

4,900 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	-0.19%	-0.09%	-0.10	39 / 50	Q4
1W	-0.45%	-0.21%	-0.25	37 / 50	Q3
2W	-0.23%	-0.20%	-0.03	29 / 50	Q3
1M	+2.07%	+0.85%	+1.22	4 / 50	Q1
3M	+3.00%	+1.89%	+1.12	7 / 49	Q1
6M	+3.21%	+2.36%	+0.86	19 / 48	Q2
YTD	+2.33%	+2.02%	+0.31	22 / 48	Q2
1Y	+1.62%	+2.29%	-0.67	31 / 48	Q3
2Y	+5.28%	+4.35%	+0.93	29 / 47	Q3
3Y	+5.70%	+4.90%	+0.80	27 / 46	Q3
4Y	+6.41%	+5.03%	+1.37	21 / 44	Q2
5Y	+5.31%	+4.10%	+1.20	19 / 42	Q2
7Y	+5.03%	+4.23%	+0.81	24 / 42	Q3
10Y	+5.94%	+4.82%	+1.12	22 / 42	Q3
Inception	+6.54%	+5.14%	+1.39	27 / 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	+2.33%	+2.19%	+0.13	21 / 35
2025	+4.90%	+3.16%	+1.74	11 / 37
2024	+8.49%	+7.11%	+1.38	23 / 37
2023	+7.20%	+5.56%	+1.64	11 / 37
2022	+2.36%	+1.37%	+0.99	17 / 37
2021	+0.80%	+1.03%	-0.23	25 / 37
2020	+9.50%	+8.25%	+1.25	24 / 37
2019	+10.04%	+8.56%	+1.48	19 / 37
2018	+4.87%	+3.47%	+1.40	23 / 47
2017	+1.81%	+0.07%	+1.74	17 / 47
2016	+13.10%	+11.27%	+1.83	24 / 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

+6.79%

236 windows

min -5.1% · max 20.7%

95% positive

3-Year rolling

+6.70%

211 windows

min -0.9% · max 13.3%

100% positive

5-Year rolling

+6.86%

187 windows

min 3.3% · max 11.1%

100% positive

7-Year rolling

+7.16%

163 windows

min 4.8% · max 9.8%

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

3.47%

3-year · annualised

Sharpe ratio

-0.24

vs risk-free 6.5%

Sortino ratio

-0.45

Downside-only deviation

Max drawdown

-4.91%

May 2025 → Apr 2026

% positive months

75.0%

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	₹12.2632	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	₹80.3276
16 Jul 2026	₹80.4771
15 Jul 2026	₹80.3439
14 Jul 2026	₹80.2439
13 Jul 2026	₹80.5598
10 Jul 2026	₹80.6935
9 Jul 2026	₹80.4676
8 Jul 2026	₹80.3722
7 Jul 2026	₹80.6110
6 Jul 2026	₹80.6300

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 Tata Gilt Securities Fund - Growth is ₹80.3595. 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 - Growth 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.

Tata Gilt Securities Fund - Growth 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 - Growth has delivered a absolute return of 1.62% — -0.67 pp behind the Gilt Fund category average of 2.29%. The fund ranks #31 of 48 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Tata Gilt Securities Fund - Growth has delivered a CAGR of 5.70% — +0.8 pp ahead of the Gilt Fund category average of 4.90%. The fund ranks #27 of 46 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Tata Gilt Securities Fund - Growth has delivered a CAGR of 5.31% — +1.2 pp ahead of the Gilt Fund category average of 4.10%. The fund ranks #19 of 42 in its category — the second (Q2) quartile.

₹1 lakh invested in Tata Gilt Securities Fund - Growth exactly 10 years ago would be worth approximately ₹178,042 today — a multiplier of 1.78×, based on the 10-year CAGR of 5.94%. The category average over the same window would have grown ₹1 lakh to ₹160,044.

A ₹10,000 monthly SIP in Tata Gilt Securities Fund - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹692,458 today. That's an XIRR (money-weighted annualised return) of 5.67%.

A ₹10,000 monthly SIP for 10 years in Tata Gilt Securities Fund - Growth = ₹1,200,000 invested. It would currently be worth ₹1,600,987 (multiplier 1.33×). XIRR: 5.62%. 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 - Growth ranks #19 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 4.10%; this fund delivered 5.31%.

The worst peak-to-trough decline Tata Gilt Securities Fund - Growth 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 - Growth averaged 6.86% (best 11.09%, worst 3.32%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.40 — negative risk-adjusted performance.

In calendar year 2025, Tata Gilt Securities Fund - Growth returned 4.90% — beating the Gilt Fund category average of 3.16% by 1.74 pp. It ranked #11 of 37 in its category that year.

Tata Gilt Securities Fund - 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. Tata Gilt Securities Fund - 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: 4.9%. 5-year CAGR: 5.31%.

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

Tata Gilt Securities Fund - 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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