HealthyDirect · GrowthFit for a long SIP
Tata Gilt Fund
Tata Mutual FundIncome/Debt Oriented Schemes - Gilt Fund13.8 years
- NAV
- 88.9987
- 29 Oct 2026
- 1Y
- +1.0%
- Trailing CAGR
- AUM
- ₹769.09 Cr
- 30 Sept 2026
- Volatility
- Low
- 4.1% 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 · Three-year return is above the category median.
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
0.30% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -10.4%. Ask whether you can hold through a similar fall.
Vs category
Watch
47% 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+1.0%
- 3Y+6.2%
- 5Y+5.6%
- 10Y+6.2%
- SI+7.5%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+0.7%
- 3Y+3.8%
- 5Y+5.3%
- 10Y+5.9%
- Since inception
- +7.5%
- Calendar-day CAGR
- Excess 1Y
- -0.3%
- Category median, same plan and option
- 3Y win rate
- +47%
- Windows beating the median
- 3Y percentile
- 70
- Vs comparable share classes
- SIP 3Y XIRR
- +3.8%
- Simulated monthly SIP
- Worst rolling 3Y
- +3.8%
- 2616 daily-ending windows
- Median rolling 3Y
- +7.5%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2133 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -10.4%
- Worst peak-to-trough
- Current
- -3.5%
- Below last peak
- Current spell
- 76 days
- Days below latest peak
- Time below peak
- +78%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 10 days
- 234 recovered episodes
- Longest recovery
- 256 days
- Trough to prior peak
28 May 2013 – 2 May 2014
Trough 19 Aug 2013 · recovered in 256 days
-10.4%
6 Sept 2017 – 5 Apr 2018
Trough 5 Feb 2018 · recovered in 59 days
-4.7%
5 Apr 2018 – 2 Nov 2018
Trough 16 May 2018 · recovered in 170 days
-4.7%
15 Oct 2025 – 16 Jun 2026
Trough 2 Apr 2026 · recovered in 75 days
-4.2%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
70
Vs category
48
Consistency
49
Risk-adjusted
46
Drawdown
74
Mean
57
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
- Three-year return is above the category median.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 7 holdings · top 10 are 100.0%.
- Top 5
- 96.4%
- Top 10
- 100.0%
- Largest holding
- 43.0%
- Effective holdings
- 2.8
GOVERNMENT OF INDIA 37699 GOI 27JL41 7.06 FV RS 100
Entities
43.0%
GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100
Entities
40.8%
GOVERNMENT OF INDIA 34733 GOI 05AG54 7.09 FV RS 100
Entities
6.1%
GOI Sec 7.18 14/08/2033
Entities
3.3%
GOVERNMENT OF INDIA 34208 GOI 08AP34 7.1 FV RS 100
Entities
3.2%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
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
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
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
Axis Gilt Fund
Axis Mutual Fund
- 1Y
- +2.8%
- 3Y
- +6.9%
- Vol
- 4.1%
- Max DD
- -11.1%
- Sharpe
- 0.37
- 3Y win
- +61%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
Canara Robeco Gilt Fund
Canara Robeco Mutual Fund
- 1Y
- +1.6%
- 3Y
- +5.8%
- Vol
- 3.9%
- Max DD
- -7.8%
- Sharpe
- 0.44
- 3Y win
- +38%
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns