HealthyDirect · Growth

DSP Gilt Fund

DSP Mutual Fund Debt Scheme - Gilt Fund13.7 years

The scheme seeks to generate returns through investments in central government securities with maturity between one and 30 years.

NAV: 105.3473; 15 Sept 2026
1Y: +3.9%; Trailing CAGR
AUM: ₹1,213.03 Cr; 31 Aug 2026
Volatility: Low; 3.9% annualized

NAV path pending

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+3.9%
3Y+6.8%
5Y+6.0%
10Y+7.4%
SI+7.8%

SIP XIRR

Equal monthly instalments to latest NAV

1Y+4.3%
3Y+5.3%
5Y+6.2%
10Y+7.0%

Since inception: +7.8%; Calendar-day CAGR
Excess 1Y: -0.4%; Category median, same plan and option
3Y win rate: +68%; Windows beating the median
3Y percentile: 70; Vs comparable share classes
Worst rolling 3Y: +4.3%; 2597 daily-ending windows
Median rolling 3Y: +7.9%; Calendar-day CAGR
Positive rolling 5Y: +100%; 2112 daily-ending windows
SIP 3Y XIRR: +5.3%; Simulated monthly SIP

Drawdown

Peak to trough from a running NAV high. Move across the path to read a date.

Drawdown

Path not in current snapshots

n/a

Average recovery: 9 days; 237 recovered episodes
Longest recovery: 269 days; Trough to prior peak
Current spell: 28 days; Days below latest peak
Time below peak: +81%; NAV observations

27 May 2013 – 8 Sept 2014
Trough 13 Dec 2013 · recovered in 269 days
-7.6%
24 Nov 2016 – 8 Jun 2017
Trough 9 Feb 2017 · recovered in 119 days
-4.2%
21 May 2025 – 16 Jun 2026
Trough 2 Apr 2026 · recovered in 75 days
-4.2%
6 Sept 2017 – 5 Apr 2018
Trough 22 Feb 2018 · recovered in 42 days
-4.1%

Dimensions

0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.

Returns
70
Vs category
48
Consistency
61
Risk-adjusted
59
Drawdown
81
Mean
64

Portfolio

31 Aug 2026 · 12 holdings · top 10 are 98.4%.

Top 5: 79.2%
Top 10: 98.4%
Largest holding: 30.4%
Effective holdings: 5.9

GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100
Entities
30.4%
GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100
Entities
17.2%
GOVERNMENT OF INDIA 37449 182 DAYS TBILL 19NV26 FV RS 100
Financial
16.3%
GOVERNMENT OF INDIA 37830 091 DAYS TBILL 12NV26 FV RS 100
Financial
8.2%
STATE DEVELOPMENT LOAN 34139 UP 22MR42 7.48 FV RS 100
Unspecified
7.1%

Decision

Quantitative read of the live evidence. An explanation can only restate what is already here.

As of 11 Sept 2026

Healthy

Engine status

Healthy

Doing its job

Why this status

No material deterioration, cost shock, or persistent category underperformance in the current evidence set.

Supporting reads

The fund beat the category median in 68% of rolling 3-year windows.
Three-year return is above the category median.
Risk-adjusted return sits above the documented risk-free proxy.
Peak-to-trough drawdown has stayed shallower than 15%.

Worth investigating

Same-category peers with enough history to inspect beside this fund.

All funds

HealthyDirect · Growth

DSP Gilt Fund

DSP Mutual Fund Debt Scheme - Gilt Fund13.7 years

The scheme seeks to generate returns through investments in central government securities with maturity between one and 30 years.

NAV: 105.3473; 15 Sept 2026
1Y: +3.9%; Trailing CAGR
AUM: ₹1,213.03 Cr; 31 Aug 2026
Volatility: Low; 3.9% annualized

Sept 2024 – Sept 2026

All funds

HealthyDirect · Growth

DSP Gilt Fund

DSP Mutual Fund Debt Scheme - Gilt Fund13.7 years

The scheme seeks to generate returns through investments in central government securities with maturity between one and 30 years.

NAV: 105.3473; 15 Sept 2026
1Y: +3.9%; Trailing CAGR
AUM: ₹1,213.03 Cr; 31 Aug 2026
Volatility: Low; 3.9% annualized

NAV path pending

NAV

15 Sept 2026 · +3.4% over 1Y

105.3473

Sept 202599.6327 – 107.4132Sept 2026

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+3.9%
3Y+6.8%
5Y+6.0%
10Y+7.4%
SI+7.8%

SIP XIRR

Equal monthly instalments to latest NAV

1Y+4.3%
3Y+5.3%
5Y+6.2%
10Y+7.0%

Since inception: +7.8%; Calendar-day CAGR
Excess 1Y: -0.4%; Category median, same plan and option
3Y win rate: +68%; Windows beating the median
3Y percentile: 70; Vs comparable share classes
Worst rolling 3Y: +4.3%; 2597 daily-ending windows
Median rolling 3Y: +7.9%; Calendar-day CAGR
Positive rolling 5Y: +100%; 2112 daily-ending windows
SIP 3Y XIRR: +5.3%; Simulated monthly SIP

Drawdown

Peak to trough from a running NAV high. Move across the path to read a date.

Drawdown

15 Sept 2026

-1.9%

Jan 2013-7.1% – 0.0%Sept 2026

Average recovery: 9 days; 237 recovered episodes
Longest recovery: 269 days; Trough to prior peak
Current spell: 28 days; Days below latest peak
Time below peak: +81%; NAV observations

27 May 2013 – 8 Sept 2014
Trough 13 Dec 2013 · recovered in 269 days
-7.6%
24 Nov 2016 – 8 Jun 2017
Trough 9 Feb 2017 · recovered in 119 days
-4.2%
21 May 2025 – 16 Jun 2026
Trough 2 Apr 2026 · recovered in 75 days
-4.2%
6 Sept 2017 – 5 Apr 2018
Trough 22 Feb 2018 · recovered in 42 days
-4.1%

Dimensions

0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.

Returns
70
Vs category
48
Consistency
61
Risk-adjusted
59
Drawdown
81
Mean
64

Portfolio

31 Aug 2026 · 12 holdings · top 10 are 98.4%.

Top 5: 79.2%
Top 10: 98.4%
Largest holding: 30.4%
Effective holdings: 5.9

GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100
Entities
30.4%
GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100
Entities
17.2%
GOVERNMENT OF INDIA 37449 182 DAYS TBILL 19NV26 FV RS 100
Financial
16.3%
GOVERNMENT OF INDIA 37830 091 DAYS TBILL 12NV26 FV RS 100
Financial
8.2%
STATE DEVELOPMENT LOAN 34139 UP 22MR42 7.48 FV RS 100
Unspecified
7.1%

Decision

Quantitative read of the live evidence. An explanation can only restate what is already here.

As of 11 Sept 2026

Healthy

Engine status

Healthy

Doing its job

Why this status

No material deterioration, cost shock, or persistent category underperformance in the current evidence set.

Supporting reads

The fund beat the category median in 68% of rolling 3-year windows.
Three-year return is above the category median.
Risk-adjusted return sits above the documented risk-free proxy.
Peak-to-trough drawdown has stayed shallower than 15%.

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+3.9%
3Y+6.8%
5Y+6.0%
10Y+7.4%
SI+7.8%

SIP XIRR

Equal monthly instalments to latest NAV

1Y+4.3%
3Y+5.3%
5Y+6.2%
10Y+7.0%

Since inception: +7.8%; Calendar-day CAGR
Excess 1Y: -0.4%; Category median, same plan and option
3Y win rate: +68%; Windows beating the median
3Y percentile: 70; Vs comparable share classes
Worst rolling 3Y: +4.3%; 2597 daily-ending windows
Median rolling 3Y: +7.9%; Calendar-day CAGR
Positive rolling 5Y: +100%; 2112 daily-ending windows
SIP 3Y XIRR: +5.3%; Simulated monthly SIP

Drawdown

Peak to trough from a running NAV high. Move across the path to read a date.

Drawdown

Path not in current snapshots

n/a

Average recovery: 9 days; 237 recovered episodes
Longest recovery: 269 days; Trough to prior peak
Current spell: 28 days; Days below latest peak
Time below peak: +81%; NAV observations

27 May 2013 – 8 Sept 2014
Trough 13 Dec 2013 · recovered in 269 days
-7.6%
24 Nov 2016 – 8 Jun 2017
Trough 9 Feb 2017 · recovered in 119 days
-4.2%
21 May 2025 – 16 Jun 2026
Trough 2 Apr 2026 · recovered in 75 days
-4.2%
6 Sept 2017 – 5 Apr 2018
Trough 22 Feb 2018 · recovered in 42 days
-4.1%

Dimensions

0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.

Returns
70
Vs category
48
Consistency
61
Risk-adjusted
59
Drawdown
81
Mean
64

Portfolio

31 Aug 2026 · 12 holdings · top 10 are 98.4%.

Top 5: 79.2%
Top 10: 98.4%
Largest holding: 30.4%
Effective holdings: 5.9

GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100
Entities
30.4%
GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100
Entities
17.2%
GOVERNMENT OF INDIA 37449 182 DAYS TBILL 19NV26 FV RS 100
Financial
16.3%
GOVERNMENT OF INDIA 37830 091 DAYS TBILL 12NV26 FV RS 100
Financial
8.2%
STATE DEVELOPMENT LOAN 34139 UP 22MR42 7.48 FV RS 100
Unspecified
7.1%

Decision

Quantitative read of the live evidence. An explanation can only restate what is already here.

As of 11 Sept 2026

Healthy

Engine status

Healthy

Doing its job

Why this status

No material deterioration, cost shock, or persistent category underperformance in the current evidence set.

Supporting reads

The fund beat the category median in 68% of rolling 3-year windows.
Three-year return is above the category median.
Risk-adjusted return sits above the documented risk-free proxy.
Peak-to-trough drawdown has stayed shallower than 15%.

Worth investigating

Same-category peers with enough history to inspect beside this fund.

NAV

15 Sept 2026 · +3.4% over 1Y

105.3473

Sept 202599.6327 – 107.4132Sept 2026

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+3.9%
3Y+6.8%
5Y+6.0%
10Y+7.4%
SI+7.8%

SIP XIRR

Equal monthly instalments to latest NAV

1Y+4.3%
3Y+5.3%
5Y+6.2%
10Y+7.0%

Since inception: +7.8%; Calendar-day CAGR
Excess 1Y: -0.4%; Category median, same plan and option
3Y win rate: +68%; Windows beating the median
3Y percentile: 70; Vs comparable share classes
Worst rolling 3Y: +4.3%; 2597 daily-ending windows
Median rolling 3Y: +7.9%; Calendar-day CAGR
Positive rolling 5Y: +100%; 2112 daily-ending windows
SIP 3Y XIRR: +5.3%; Simulated monthly SIP

Drawdown

Peak to trough from a running NAV high. Move across the path to read a date.

Drawdown

15 Sept 2026

-1.9%

Jan 2013-7.1% – 0.0%Sept 2026

Average recovery: 9 days; 237 recovered episodes
Longest recovery: 269 days; Trough to prior peak
Current spell: 28 days; Days below latest peak
Time below peak: +81%; NAV observations

27 May 2013 – 8 Sept 2014
Trough 13 Dec 2013 · recovered in 269 days
-7.6%
24 Nov 2016 – 8 Jun 2017
Trough 9 Feb 2017 · recovered in 119 days
-4.2%
21 May 2025 – 16 Jun 2026
Trough 2 Apr 2026 · recovered in 75 days
-4.2%
6 Sept 2017 – 5 Apr 2018
Trough 22 Feb 2018 · recovered in 42 days
-4.1%

Dimensions

0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.

Returns
70
Vs category
48
Consistency
61
Risk-adjusted
59
Drawdown
81
Mean
64

Portfolio

31 Aug 2026 · 12 holdings · top 10 are 98.4%.

Top 5: 79.2%
Top 10: 98.4%
Largest holding: 30.4%
Effective holdings: 5.9

GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100
Entities
30.4%
GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100
Entities
17.2%
GOVERNMENT OF INDIA 37449 182 DAYS TBILL 19NV26 FV RS 100
Financial
16.3%
GOVERNMENT OF INDIA 37830 091 DAYS TBILL 12NV26 FV RS 100
Financial
8.2%
STATE DEVELOPMENT LOAN 34139 UP 22MR42 7.48 FV RS 100
Unspecified
7.1%

Decision

Quantitative read of the live evidence. An explanation can only restate what is already here.

As of 11 Sept 2026

Healthy

Engine status

Healthy

Doing its job

Why this status

No material deterioration, cost shock, or persistent category underperformance in the current evidence set.

Supporting reads

The fund beat the category median in 68% of rolling 3-year windows.
Three-year return is above the category median.
Risk-adjusted return sits above the documented risk-free proxy.
Peak-to-trough drawdown has stayed shallower than 15%.

DSP Gilt Fund

Returns

Drawdown

Dimensions

Portfolio

Decision

Worth investigating

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Worth investigating

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