HealthyDirect · GrowthFit for a long SIP
Canara Robeco Gilt Fund
Canara Robeco Mutual FundIncome/Debt Oriented Schemes - Gilt Fund13.8 years
- NAV
- 82.7671
- 29 Oct 2026
- 1Y
- +1.6%
- Trailing CAGR
- AUM
- ₹110.99 Cr
- 30 Sept 2026
- Volatility
- Low
- 3.9% 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
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.43% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -7.8%. Ask whether you can hold through a similar fall.
Vs category
Fail
38% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
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.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
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+1.6%
- 3Y+5.8%
- 5Y+5.2%
- 10Y+6.2%
- SI+7.5%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+1.6%
- 3Y+3.6%
- 5Y+4.9%
- 10Y+5.7%
- Since inception
- +7.5%
- Calendar-day CAGR
- Excess 1Y
- +0.3%
- Category median, same plan and option
- 3Y win rate
- +38%
- Windows beating the median
- 3Y percentile
- 40
- Vs comparable share classes
- SIP 3Y XIRR
- +3.6%
- Simulated monthly SIP
- Worst rolling 3Y
- +3.7%
- 2619 daily-ending windows
- Median rolling 3Y
- +7.8%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2136 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -7.8%
- Worst peak-to-trough
- Current
- -1.3%
- Below last peak
- Current spell
- 76 days
- Days below latest peak
- Time below peak
- +81%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 10 days
- 239 recovered episodes
- Longest recovery
- 301 days
- Trough to prior peak
28 May 2013 – 23 May 2014
Trough 19 Aug 2013 · recovered in 277 days
-7.8%
6 Sept 2017 – 5 Apr 2018
Trough 22 Feb 2018 · recovered in 42 days
-4.2%
21 Oct 2015 – 16 Mar 2016
Trough 25 Feb 2016 · recovered in 20 days
-3.6%
28 May 2025 – 23 Jun 2026
Trough 26 Aug 2025 · recovered in 301 days
-3.6%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
40
Vs category
52
Consistency
41
Risk-adjusted
47
Drawdown
80
Mean
52
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 10 holdings · top 10 are 100.0%.
- Top 5
- 92.2%
- Top 10
- 100.0%
- Largest holding
- 23.5%
- Effective holdings
- 4.9
CENTRAL GOVERNMENT LOAN 23277 GOI 22SP33 FLT FV RS 100
Entities
23.5%
Maharashtra State SDL 7.18 28/06/2029
Unspecified
22.5%
GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100
Entities
22.2%
GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100
Entities
21.5%
Net Receivables
Unspecified
2.6%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
BARODA BNP PARIBAS GILT FUND
Baroda BNP Paribas Mutual Fund
- 1Y
- +1.8%
- 3Y
- +6.5%
- Vol
- 3.6%
- Max DD
- -6.7%
- Sharpe
- 0.42
- 3Y win
- +32%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns
Edelweiss Gilt Fund
Edelweiss Mutual Fund
- 1Y
- +0.5%
- 3Y
- +5.8%
- Vol
- 3.1%
- Max DD
- -3.3%
- Sharpe
- 0.28
- 3Y win
- +88%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
LIC MF Gilt Fund
LIC Mutual Fund
- 1Y
- +1.7%
- 3Y
- +5.4%
- Vol
- 3.6%
- Max DD
- -7.4%
- Sharpe
- 0.33
- 3Y win
- +43%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
UTI - Gilt Fund
UTI Mutual Fund
- 1Y
- +3.1%
- 3Y
- +6.3%
- Vol
- 3.8%
- Max DD
- -8.1%
- Sharpe
- 0.52
- 3Y win
- +66%
- Lower volatility
- Higher win rate vs category
- Higher trailing returns
Caveat: Deeper drawdown · Higher TER
Tata Gilt Fund
Tata Mutual Fund
- 1Y
- +1.0%
- 3Y
- +6.2%
- Vol
- 4.1%
- Max DD
- -10.4%
- Sharpe
- 0.41
- 3Y win
- +47%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown