MonitorDirect · GrowthWatch before adding
Groww Gilt Fund
Groww Mutual FundIncome/Debt Oriented Schemes - Gilt Fund1.5 years
- NAV
- 10.0174
- 30 Oct 2026
- 1Y
- +1.5%
- Trailing CAGR
- AUM
- ₹33.34 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 30 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 Edelweiss Gilt Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Fail
1.5 years - thin for judging consistency.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.57% 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
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.
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+1.5%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI-0.2%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+1.6%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- -0.2%
- Calendar-day CAGR
- Excess 1Y
- -0.3%
- 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
- -0.9%
- Below last peak
- Current spell
- 532 days
- Days below latest peak
- Time below peak
- +99%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- n/a
- 0 recovered episodes
- Longest recovery
- n/a
- Trough to prior peak
16 May 2025 – open
Trough 26 Aug 2025 · not recovered
-3.9%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
26
Vs category
48
Consistency
0
Risk-adjusted
0
Drawdown
90
Mean
33
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 · 5 holdings · top 10 are 100.0%.
- Top 5
- 100.0%
- Top 10
- 100.0%
- Largest holding
- 37.5%
- Effective holdings
- 3.6
7.71% GOI 18-May-2066
Entities
37.5%
GOVERNMENT OF INDIA 37642 091 DAYS TBILL 08OT26 FV RS 100
Financial
30.0%
Reverse Repo
Unspecified
16.3%
GOVERNMENT OF INDIA 37629 091 DAYS TBILL 01OT26 FV RS 100
Financial
15.0%
Net Receivables
Unspecified
1.3%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Edelweiss Gilt Fund
Edelweiss Mutual Fund
- 1Y
- +0.9%
- 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
- Lower TER
- Higher trailing returns
HSBC Gilt Fund
HSBC Mutual Fund
- 1Y
- +1.6%
- 3Y
- +5.8%
- Vol
- 2.8%
- Max DD
- -3.6%
- Sharpe
- -0.07
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns
Aditya Birla Sun Life Gilt Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +0.9%
- 3Y
- +5.4%
- Vol
- 4.3%
- Max DD
- -10.8%
- Sharpe
- 0.51
- 3Y win
- +84%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Axis Gilt Fund
Axis Mutual Fund
- 1Y
- +3.1%
- 3Y
- +6.9%
- Vol
- 4.1%
- Max DD
- -11.1%
- Sharpe
- 0.36
- 3Y win
- +61%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
BARODA BNP PARIBAS GILT FUND
Baroda BNP Paribas Mutual Fund
- 1Y
- +2.1%
- 3Y
- +6.4%
- Vol
- 3.6%
- Max DD
- -6.7%
- Sharpe
- 0.42
- 3Y win
- +32%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown