MonitorDirect · GrowthWatch before adding
Bajaj Finserv Gilt Fund
Bajaj Finserv Mutual FundDebt Scheme - Gilt Fund1.8 years
The Scheme seeks to generate credit risk-free returns through investments in sovereign securities issued by the Central Government and/or State Government(s) and/or any security unconditionally guaranteed by the Government of India, and/or reverse repos in such securities as per applicable RBI Regulations and Guidelines.
- NAV
- 1,077.9375
- 29 Oct 2026
- 1Y
- +3.8%
- Trailing CAGR
- AUM
- ₹25.54 Cr
- 30 Sept 2026
- Volatility
- Low
- 3.3% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer quant Gilt Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Fail
1.8 years - thin for judging consistency.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.47% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -3.9%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
Watch
Sourish Chatterjee · 0.5 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Watch
Top 10 holdings ≈ 100.0% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+3.8%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+4.3%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+4.7%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +4.3%
- Calendar-day CAGR
- Excess 1Y
- +2.4%
- Category median, same plan and option
- 3Y win rate
- n/a
- Windows beating the median
- 3Y percentile
- n/a
- Vs comparable share classes
- SIP 3Y XIRR
- n/a
- Simulated monthly SIP
- Worst rolling 3Y
- n/a
- 0 daily-ending windows
- Median rolling 3Y
- n/a
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -3.9%
- Worst peak-to-trough
- Current
- -0.6%
- Below last peak
- Current spell
- 76 days
- Days below latest peak
- Time below peak
- +90%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 23 days
- 16 recovered episodes
- Longest recovery
- 296 days
- Trough to prior peak
28 May 2025 – 18 Jun 2026
Trough 26 Aug 2025 · recovered in 296 days
-3.9%
6 Jul 2026 – 14 Aug 2026
Trough 31 Jul 2026 · recovered in 14 days
-1.1%
14 Aug 2026 – open
Trough 24 Sept 2026 · not recovered
-0.9%
5 May 2025 – 14 May 2025
Trough 8 May 2025 · recovered in 6 days
-0.7%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
31
Vs category
65
Consistency
26
Risk-adjusted
1
Drawdown
90
Mean
43
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
- Risk-adjusted return (Sharpe) is negative over the available daily history.
Supporting reads
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 8 holdings · top 10 are 100.0%.
- Top 5
- 89.2%
- Top 10
- 100.0%
- Largest holding
- 19.5%
- Effective holdings
- 5.8
GOVERNMENT OF INDIA 37693 091 DAYS TBILL 22OT26 FV RS 100
Financial
19.5%
GOVERNMENT OF INDIA 37861 091 DAYS TBILL 27NV26 FV RS 100
Financial
19.4%
GOVERNMENT OF INDIA 37630 182 DAYS TBILL 31DC26 FV RS 100
Financial
19.3%
GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100
Entities
18.6%
Others CBLO
Unspecified
12.3%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
quant Gilt Fund
quant Mutual Fund
- 1Y
- +1.9%
- 3Y
- +5.6%
- Vol
- 2.0%
- Max DD
- -2.2%
- Sharpe
- -0.03
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns
PGIM India Gilt Fund
PGIM India Mutual Fund
- 1Y
- +0.9%
- 3Y
- +6.0%
- Vol
- 2.8%
- Max DD
- -3.2%
- Sharpe
- 0.40
- 3Y win
- +8%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
Caveat: Higher TER
Bandhan Gilt Fund
Bandhan Mutual Fund
- 1Y
- +7.2%
- 3Y
- +8.3%
- Vol
- 4.1%
- Max DD
- -7.1%
- Sharpe
- 0.67
- 3Y win
- +49%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
DSP Gilt Fund
DSP Mutual Fund
- 1Y
- +1.5%
- 3Y
- +6.4%
- Vol
- 3.9%
- Max DD
- -7.6%
- Sharpe
- 0.47
- 3Y win
- +68%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
ICICI Prudential Gilt Fund
ICICI Prudential Mutual Fund
- 1Y
- +1.7%
- 3Y
- +6.2%
- Vol
- 4.4%
- Max DD
- -12.3%
- Sharpe
- 0.52
- 3Y win
- +71%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER