HDFC Gilt Fund Regular-Growth
The fund is rated 2 stars. The strongest areas were income potential of 7.18% and exposure to interest-rate changes of 8.44 years, while annual fee of 0.86% provided some support. The latest three-year return of 5.53% and balance between returns and downside risk were the main limitations and did not provide enough support for a higher rating.
This fund has a high YTM of 7.183%, its Modified Duration is high at 8.443 years, and its 3-Year Rolling Return is 5.526%, indicating low performance. It has sortino ratio of 0.108 which indicates low risk-reward ratio However, its AUM is None at 2016.732 crores, and its Expense Ratio is medium at 0.86%. Taking all these factors into account, the fund has been rated 2.0 stars.
Our score weighs long-term performance, risk and consistency — not just past returns.
Returns
As of 7 Oct 2026
Risk ratios
As of 30 Sep 2026
Debt metrics
Portfolio
As of 30 Sep 2026
Holdings (37)
| Holding | % of fund | Value | Shares |
|---|---|---|---|
| GOICoupon 6.90% · Maturity 15/04/2065 · Rating SOV | 16.42% | ₹309.48 Cr | 3,45,00,000 |
| GOICoupon 7.34% · Maturity 22/04/2064 · Rating SOV | 10.61% | ₹199.99 Cr | 2,10,30,000 |
| GOICoupon 6.94% · Maturity 11/05/2036 · Rating SOV | 7.83% | ₹147.54 Cr | 1,50,00,000 |
| GOICoupon 7.18% · Maturity 14/08/2033 · Rating SOV | 6.39% | ₹120.39 Cr | 1,20,00,000 |
| GOICoupon 7.30% · Maturity 19/06/2053 · Rating SOV | 6.37% | ₹120.02 Cr | 1,25,00,000 |
| Karnataka StateCoupon 6.97% · Maturity 26/02/2028 · Rating SOV | 5.77% | ₹108.66 Cr | 1,08,56,700 |
| Gujarat StateCoupon 7.27% · Maturity 17/12/2034 · Rating SOV | 4.12% | ₹77.72 Cr | 80,00,000 |
| Gujarat StateCoupon 7.64% · Maturity 17/01/2033 · Rating SOV | 2.61% | ₹49.13 Cr | 49,16,700 |
| Reserve Bank of IndiaMaturity 182-D 28/01/2027 · Rating SOV | 2.60% | ₹49.09 Cr | 50,00,000 |
| Madhya Pradesh StateCoupon 6.99% · Maturity 17/11/2041 · Rating SOV | 2.43% | ₹45.87 Cr | 50,00,000 |
Fund details
credit risk free returns over medium to long term. to generate credit risk-free returns through investments in sovereign securities issued by the Central Government and / or State Government.
The scheme is a dedicated gilt scheme which seeks to generate reasonable returns with investments in government securities, securities guaranteed by GoI with medium to long term residual maturities.