Gilt fund SIP returns

What ₹10,000 a month grew to in every gilt fund, to 11 Nov 2026.

Category average, 5 years

5.6%

₹6.00 L became ₹6.89 L

Highest, 5 years

7.2%

Bandhan Gilt Fund

Direct plan, Growth option.

₹10,000 a month for 5 years: ₹6.00 L invested

Fund
Category average	₹6.89 L	5.6%
1Bandhan Gilt Fund	₹7.15 L	7.2%	₹1,686 Cr	0.55%
2ICICI Prudential Gilt Fund	₹7.02 L	6.4%	₹9,118 Cr	0.58%
3Axis Gilt Fund	₹7.02 L	6.4%	₹336 Cr	0.46%
4Motilal Oswal 5 Year G-Sec Fund Of Fund	₹6.99 L	6.2%	₹61.62 Cr	0.17%
5SBI Gilt Fund	₹6.98 L	6.2%	₹8,067 Cr	0.50%
6Baroda BNP Paribas Gilt Fund	₹6.94 L	5.9%	₹515 Cr	0.17%
7UTI Gilt Fund	₹6.94 L	5.9%	₹415 Cr	0.47%
8Tata Gilt Securities Fund	₹6.92 L	5.8%	₹769 Cr	0.30%
9Nippon India Gilt Fund	₹6.91 L	5.7%	₹1,487 Cr	0.52%
10HDFC Gilt Fund	₹6.88 L	5.6%	₹1,885 Cr	0.46%
11Franklin India Government Securities Fund	₹6.88 L	5.6%	₹145 Cr	0.64%
12Invesco India Gilt Fund	₹6.87 L	5.5%	₹105 Cr	0.48%
13DSP Gilt Fund	₹6.87 L	5.5%	₹1,083 Cr	0.59%
14PGIM India Gilt Fund	₹6.86 L	5.5%	₹85.02 Cr	0.52%
15Kotak Gilt-Investment Provident Fund and Trust	₹6.85 L	5.4%	₹2,065 Cr	0.48%
16Kotak Gilt-Investment	₹6.85 L	5.4%	₹2,065 Cr	0.48%
17Canara Robeco Gilt Fund	₹6.84 L	5.3%	₹111 Cr	0.47%
18HSBC Gilt Fund	₹6.81 L	5.2%	₹152 Cr	0.50%
19Edelweiss Gilt Fund	₹6.79 L	5.1%	₹119 Cr	0.51%
20LIC MF Gilt Fund	₹6.79 L	5.1%	₹44.01 Cr	0.70%
21Aditya Birla Sun Life Gilt Fund	₹6.76 L	4.8%	₹1,175 Cr	0.49%

21 funds with 5 years of history; 4 younger funds left out. Click a heading to sort.

Year-by-year returns of these funds →SWP returns →Gilt funds compared →Rolling returns tool →

How are gilt fund SIP returns worked out?

₹10,000 is invested every month on the same day of the month as the latest NAV, the last instalment on that day, so a 1-year SIP has 12 instalments. Units are bought at each day's NAV and valued at the latest NAV. The return is XIRR: the yearly rate that turns the instalments into today's value.

Why is SIP return different from the fund's trailing return?

A trailing return measures one lump sum invested at the start. In a SIP most of the money goes in later, so recent months weigh more. After a rise near the end a SIP return is higher than the trailing return; after a fall, lower.

Does a high past SIP return mean a good fund to start a SIP in?

Not on its own. SIP returns over 1 to 3 years depend heavily on where the market ended. Look at 5 and 10 years, at the fund's rolling returns and at how it ranked in its category year by year.

Worked out from each fund's own daily NAV. Past performance does not indicate future returns.