Should I invest in Tata Gilt Securities Fund?

We don't give personal investment advice. Tata Gilt Securities Fund - Regular 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: 4.9%. 5-year CAGR: 5.24%.

Tata

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

Latest NAV

₹22.2278

As of

24 Jul 2026

4,905 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	+0.10%	+0.08%	+0.02	17 / 50	Q2
1W	-0.18%	-0.07%	-0.11	32 / 50	Q3
2W	-0.63%	-0.34%	-0.29	32 / 50	Q3
1M	+0.48%	+0.23%	+0.25	11 / 50	Q1
3M	+3.19%	+1.90%	+1.29	6 / 49	Q1
6M	+2.85%	+2.05%	+0.80	17 / 48	Q2
YTD	+2.14%	+1.91%	+0.24	21 / 48	Q2
1Y	+1.16%	+1.99%	-0.83	32 / 48	Q3
2Y	+5.10%	+4.21%	+0.89	27 / 47	Q3
3Y	+5.67%	+4.88%	+0.79	26 / 46	Q3
4Y	+6.28%	+4.96%	+1.32	22 / 44	Q2
5Y	+5.24%	+4.06%	+1.19	21 / 42	Q2
7Y	+5.10%	+4.31%	+0.80	25 / 42	Q3
10Y	+4.83%	+4.74%	+0.08	29 / 42	Q3
Inception	+3.23%	+5.13%	-1.91	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	+2.14%	+2.04%	+0.10	20 / 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

+3.34%

236 windows

min -12.5% · max 14.0%

78% positive

3-Year rolling

+3.25%

211 windows

min -2.9% · max 8.4%

91% positive

5-Year rolling

+3.21%

187 windows

min -2.8% · max 6.3%

96% positive

7-Year rolling

+3.33%

163 windows

min -0.1% · 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

3.86%

3-year · annualised

Sharpe ratio

-0.24

vs risk-free 6.5%

Sortino ratio

-0.41

Downside-only deviation

Max drawdown

-4.91%

May 2025 → Apr 2026

% 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
HDFC Gilt Fund - Growth Plan	HDFC	₹57.1929	24 Jul 2026
SBI GILT FUND - GROWTH - PF (Fixed Period - 3 Yrs) Option	SBI	₹41.0817	24 Jul 2026
ICICI Prudential Gilt Fund - Growth	ICICI Prudential	₹107.9276	24 Jul 2026
Franklin India Government Securities Fund - Growth	Franklin Templeton	₹61.4889	24 Jul 2026
Kotak Gilt-Investment Provident Fund and Trust-Growth	Kotak Mahindra	₹99.4019	24 Jul 2026
DSP Gilt Fund - Regular Plan - Growth	DSP BlackRock	₹98.6711	24 Jul 2026
Baroda BNP Paribas GILT FUND - Regular Plan - Growth Option	Baroda Pioneer	₹43.9131	24 Jul 2026
CANARA ROBECO GILT FUND - REGULAR PLAN - GROWTH OPTION	Canara Robeco	₹76.7608	24 Jul 2026
UTI - GILT FUND - Discontinued PF Plan - Growth Option	UTI	₹48.8721	24 Jul 2026
PGIM India Gilt Fund - Quarterly Dividend	PGIM India	₹13.0985	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹22.2278
23 Jul 2026	₹22.2056
22 Jul 2026	₹22.2457
21 Jul 2026	₹22.2610
20 Jul 2026	₹22.2714
17 Jul 2026	₹22.2675
16 Jul 2026	₹22.3089
15 Jul 2026	₹22.2720
14 Jul 2026	₹22.2443
13 Jul 2026	₹22.3318

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 Tata Gilt Securities Fund - Regular Plan - Payout of IDCW Option is ₹22.2278. 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 - Regular Plan - Payout of IDCW 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.

Tata Gilt Securities Fund - Regular 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 - Regular Plan - Payout of IDCW Option has delivered a absolute return of 1.16% — -0.83 pp behind the Gilt Fund category average of 1.99%. The fund ranks #32 of 48 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Tata Gilt Securities Fund - Regular Plan - Payout of IDCW Option has delivered a CAGR of 5.67% — +0.79 pp ahead of the Gilt Fund category average of 4.88%. The fund ranks #26 of 46 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Tata Gilt Securities Fund - Regular Plan - Payout of IDCW Option has delivered a CAGR of 5.24% — +1.19 pp ahead of the Gilt Fund category average of 4.06%. The fund ranks #21 of 42 in its category — the second (Q2) quartile.

₹1 lakh invested in Tata Gilt Securities Fund - Regular Plan - Payout of IDCW Option exactly 10 years ago would be worth approximately ₹160,248 today — a multiplier of 1.60×, based on the 10-year CAGR of 4.83%. The category average over the same window would have grown ₹1 lakh to ₹158,967.

A ₹10,000 monthly SIP in Tata Gilt Securities Fund - Regular Plan - Payout of IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹690,451 today. That's an XIRR (money-weighted annualised return) of 5.55%.

A ₹10,000 monthly SIP for 10 years in Tata Gilt Securities Fund - Regular Plan - Payout of IDCW Option = ₹1,200,000 invested. It would currently be worth ₹1,568,780 (multiplier 1.31×). XIRR: 5.23%. 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 - Regular Plan - Payout of IDCW Option ranks #21 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 4.06%; this fund delivered 5.24%.

The worst peak-to-trough decline Tata Gilt Securities Fund - Regular Plan - Payout of IDCW Option 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 - Regular Plan - Payout of IDCW Option averaged 3.21% (best 6.32%, worst -2.80%). 96% 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 - Regular Plan - Payout of IDCW Option 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 - Regular 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 - Regular 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: 4.9%. 5-year CAGR: 5.24%.

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