HealthyDirect · Growth

SBI GILT FUND

SBI Mutual Fund Debt Scheme - Gilt Fund13.7 years

The scheme aims to generate returns through investments in government securities. It will normally maintain an average maturity of more than three years.

NAV: 72.6802; 15 Sept 2026
1Y: +4.1%; Trailing CAGR
AUM: ₹8,215.23 Cr; 31 Aug 2026
Volatility: Low; 4.0% 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+4.1%
3Y+6.6%
5Y+6.2%
10Y+7.5%
SI+8.7%

SIP XIRR

Equal monthly instalments to latest NAV

1Y+4.1%
3Y+5.3%
5Y+6.3%
10Y+7.0%

Since inception: +8.7%; Calendar-day CAGR
Excess 1Y: -0.0%; Category median, same plan and option
3Y win rate: +87%; Windows beating the median
3Y percentile: 60; Vs comparable share classes
Worst rolling 3Y: +5.0%; 2598 daily-ending windows
Median rolling 3Y: +8.7%; Calendar-day CAGR
Positive rolling 5Y: +100%; 2114 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; 262 recovered episodes
Longest recovery: 259 days; Trough to prior peak
Current spell: 32 days; Days below latest peak
Time below peak: +77%; NAV observations

27 May 2013 – 5 May 2014
Trough 19 Aug 2013 · recovered in 259 days
-9.5%
6 Sept 2017 – 5 Apr 2018
Trough 22 Feb 2018 · recovered in 42 days
-3.5%
24 Nov 2016 – 22 May 2017
Trough 22 Feb 2017 · recovered in 89 days
-3.3%
28 May 2025 – 6 Mar 2026
Trough 26 Aug 2025 · recovered in 192 days
-3.2%

Dimensions

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

Returns
60
Vs category
50
Consistency
76
Risk-adjusted
68
Drawdown
76
Mean
66

Portfolio

31 Aug 2026 · 18 holdings · top 10 are 119.3%.

Top 5: 89.5%
Top 10: 119.3%
Largest holding: 29.2%
Effective holdings: 4.8

Cash Margin
Unspecified
29.2%
7.71% GOI 18-May-2066
Entities
23.2%
Repo
Unspecified
13.3%
GOVERNMENT OF INDIA 37816 091 DAYS TBILL 05NV26 FV RS 100
Financial
12.1%
GOVERNMENT OF INDIA 37830 091 DAYS TBILL 12NV26 FV RS 100
Financial
11.8%

Decision

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

As of 15 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 87% 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

SBI GILT FUND

SBI Mutual Fund Debt Scheme - Gilt Fund13.7 years

The scheme aims to generate returns through investments in government securities. It will normally maintain an average maturity of more than three years.

NAV: 72.6802; 15 Sept 2026
1Y: +4.1%; Trailing CAGR
AUM: ₹8,215.23 Cr; 31 Aug 2026
Volatility: Low; 4.0% annualized

Sept 2024 – Sept 2026

All funds

HealthyDirect · Growth

SBI GILT FUND

SBI Mutual Fund Debt Scheme - Gilt Fund13.7 years

The scheme aims to generate returns through investments in government securities. It will normally maintain an average maturity of more than three years.

NAV: 72.6802; 15 Sept 2026
1Y: +4.1%; Trailing CAGR
AUM: ₹8,215.23 Cr; 31 Aug 2026
Volatility: Low; 4.0% annualized

NAV path pending

NAV

15 Sept 2026 · +4.1% over 1Y

72.6802

Sept 202569.8119 – 73.1831Sept 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+4.1%
3Y+6.6%
5Y+6.2%
10Y+7.5%
SI+8.7%

SIP XIRR

Equal monthly instalments to latest NAV

1Y+4.1%
3Y+5.3%
5Y+6.3%
10Y+7.0%

Since inception: +8.7%; Calendar-day CAGR
Excess 1Y: -0.0%; Category median, same plan and option
3Y win rate: +87%; Windows beating the median
3Y percentile: 60; Vs comparable share classes
Worst rolling 3Y: +5.0%; 2598 daily-ending windows
Median rolling 3Y: +8.7%; Calendar-day CAGR
Positive rolling 5Y: +100%; 2114 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

-0.7%

Jan 2013-4.4% – 0.0%Sept 2026

Average recovery: 9 days; 262 recovered episodes
Longest recovery: 259 days; Trough to prior peak
Current spell: 32 days; Days below latest peak
Time below peak: +77%; NAV observations

27 May 2013 – 5 May 2014
Trough 19 Aug 2013 · recovered in 259 days
-9.5%
6 Sept 2017 – 5 Apr 2018
Trough 22 Feb 2018 · recovered in 42 days
-3.5%
24 Nov 2016 – 22 May 2017
Trough 22 Feb 2017 · recovered in 89 days
-3.3%
28 May 2025 – 6 Mar 2026
Trough 26 Aug 2025 · recovered in 192 days
-3.2%

Dimensions

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

Returns
60
Vs category
50
Consistency
76
Risk-adjusted
68
Drawdown
76
Mean
66

Portfolio

31 Aug 2026 · 18 holdings · top 10 are 119.3%.

Top 5: 89.5%
Top 10: 119.3%
Largest holding: 29.2%
Effective holdings: 4.8

Cash Margin
Unspecified
29.2%
7.71% GOI 18-May-2066
Entities
23.2%
Repo
Unspecified
13.3%
GOVERNMENT OF INDIA 37816 091 DAYS TBILL 05NV26 FV RS 100
Financial
12.1%
GOVERNMENT OF INDIA 37830 091 DAYS TBILL 12NV26 FV RS 100
Financial
11.8%

Decision

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

As of 15 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 87% 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+4.1%
3Y+6.6%
5Y+6.2%
10Y+7.5%
SI+8.7%

SIP XIRR

Equal monthly instalments to latest NAV

1Y+4.1%
3Y+5.3%
5Y+6.3%
10Y+7.0%

Since inception: +8.7%; Calendar-day CAGR
Excess 1Y: -0.0%; Category median, same plan and option
3Y win rate: +87%; Windows beating the median
3Y percentile: 60; Vs comparable share classes
Worst rolling 3Y: +5.0%; 2598 daily-ending windows
Median rolling 3Y: +8.7%; Calendar-day CAGR
Positive rolling 5Y: +100%; 2114 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; 262 recovered episodes
Longest recovery: 259 days; Trough to prior peak
Current spell: 32 days; Days below latest peak
Time below peak: +77%; NAV observations

27 May 2013 – 5 May 2014
Trough 19 Aug 2013 · recovered in 259 days
-9.5%
6 Sept 2017 – 5 Apr 2018
Trough 22 Feb 2018 · recovered in 42 days
-3.5%
24 Nov 2016 – 22 May 2017
Trough 22 Feb 2017 · recovered in 89 days
-3.3%
28 May 2025 – 6 Mar 2026
Trough 26 Aug 2025 · recovered in 192 days
-3.2%

Dimensions

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

Returns
60
Vs category
50
Consistency
76
Risk-adjusted
68
Drawdown
76
Mean
66

Portfolio

31 Aug 2026 · 18 holdings · top 10 are 119.3%.

Top 5: 89.5%
Top 10: 119.3%
Largest holding: 29.2%
Effective holdings: 4.8

Cash Margin
Unspecified
29.2%
7.71% GOI 18-May-2066
Entities
23.2%
Repo
Unspecified
13.3%
GOVERNMENT OF INDIA 37816 091 DAYS TBILL 05NV26 FV RS 100
Financial
12.1%
GOVERNMENT OF INDIA 37830 091 DAYS TBILL 12NV26 FV RS 100
Financial
11.8%

Decision

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

As of 15 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 87% 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 · +4.1% over 1Y

72.6802

Sept 202569.8119 – 73.1831Sept 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+4.1%
3Y+6.6%
5Y+6.2%
10Y+7.5%
SI+8.7%

SIP XIRR

Equal monthly instalments to latest NAV

1Y+4.1%
3Y+5.3%
5Y+6.3%
10Y+7.0%

Since inception: +8.7%; Calendar-day CAGR
Excess 1Y: -0.0%; Category median, same plan and option
3Y win rate: +87%; Windows beating the median
3Y percentile: 60; Vs comparable share classes
Worst rolling 3Y: +5.0%; 2598 daily-ending windows
Median rolling 3Y: +8.7%; Calendar-day CAGR
Positive rolling 5Y: +100%; 2114 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

-0.7%

Jan 2013-4.4% – 0.0%Sept 2026

Average recovery: 9 days; 262 recovered episodes
Longest recovery: 259 days; Trough to prior peak
Current spell: 32 days; Days below latest peak
Time below peak: +77%; NAV observations

27 May 2013 – 5 May 2014
Trough 19 Aug 2013 · recovered in 259 days
-9.5%
6 Sept 2017 – 5 Apr 2018
Trough 22 Feb 2018 · recovered in 42 days
-3.5%
24 Nov 2016 – 22 May 2017
Trough 22 Feb 2017 · recovered in 89 days
-3.3%
28 May 2025 – 6 Mar 2026
Trough 26 Aug 2025 · recovered in 192 days
-3.2%

Dimensions

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

Returns
60
Vs category
50
Consistency
76
Risk-adjusted
68
Drawdown
76
Mean
66

Portfolio

31 Aug 2026 · 18 holdings · top 10 are 119.3%.

Top 5: 89.5%
Top 10: 119.3%
Largest holding: 29.2%
Effective holdings: 4.8

Cash Margin
Unspecified
29.2%
7.71% GOI 18-May-2066
Entities
23.2%
Repo
Unspecified
13.3%
GOVERNMENT OF INDIA 37816 091 DAYS TBILL 05NV26 FV RS 100
Financial
12.1%
GOVERNMENT OF INDIA 37830 091 DAYS TBILL 12NV26 FV RS 100
Financial
11.8%

Decision

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

As of 15 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 87% 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%.

SBI GILT FUND

Returns

Drawdown

Dimensions

Portfolio

Decision

Worth investigating

JM G-Sec Fund - (Direct) Annual

JM G-Sec Fund - (Direct) Half Yearly

DSP Gilt Fund

JM G-Sec Fund - Annual

JM G-Sec Fund - Monthly

SBI GILT FUND

SBI GILT FUND

Returns

Drawdown

Dimensions

Portfolio

Decision

Returns

Drawdown

Dimensions

Portfolio

Decision

Worth investigating

JM G-Sec Fund - (Direct) Annual

JM G-Sec Fund - (Direct) Half Yearly

DSP Gilt Fund

JM G-Sec Fund - Annual

JM G-Sec Fund - Monthly

SBI GILT FUND

Returns

Drawdown

Dimensions

Portfolio

Decision