HDFC Gilt Fund - Direct Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Gilt Fund

No of Debt Holding 32 (Category Avg - 19.61) | Modified Duration 8.12 Years (Category Avg - 9.00)| Yield to Maturity 7.04% (Category Avg - 7.03%)

Portfolio Summary (as on 30th Sep,2025)

Security Type	% Weight	Category Average
GOI	95.06%	101.12%
T-Bills	0.00%	1.64%

Category - Gilt Fund

Security Type	% Weight	Category Average
Government Backed	95.06%	102.76%
Low Risk	0.00%	0.00%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Gilt Fund

Debt holding in Portfolio (as on 30th Sep,2025)

Instrument	Type	Sector	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other	4650.58	15.72%	4.60 Cr
Bond - Govt of India	GOI	Other	4131.81	13.96%	4.00 Cr
Bond - Govt of India	GOI	Other	3054.22	10.32%	3.20 Cr
Bond - Govt of India	GOI	Other	2421.42	8.18%	2.40 Cr
Bond - Govt of India	GOI	Other	2266.75	7.66%	2.30 Cr
Bond - Govt of India	GOI	Other	2177.76	7.36%	2.10 Cr
Bond - Govt of India	GOI	Other	1542.00	5.21%	1.50 Cr
Bond - Govt of India	GOI	Other	1404.67	4.75%	1.35 Cr
Bond - Govt of India	GOI	Other	1234.44	4.17%	1.20 Cr
Bond - Govt of India	GOI	Other	845.75	2.86%	85.00 L
Bond - Govt of India	GOI	Other	752.74	2.54%	75.00 L
Bond - Govt of India	GOI	Other	503.87	1.70%	49.17 L
Bond - Govt of India	GOI	Other	484.01	1.64%	50.00 L
Bond - Govt of India	GOI	Other	362.70	1.23%	35.00 L
Bond - Govt of India	GOI	Other	307.27	1.04%	30.00 L
Bond - Govt of India	GOI	Other	251.26	0.85%	25.00 L
Bond - Govt of India	GOI	Other	251.75	0.85%	25.00 L
Bond - Govt of India	GOI	Other	246.92	0.83%	25.00 L
Bond - Govt of India	GOI	Other	198.84	0.67%	20.35 L
Bond - Govt of India	GOI	Other	159.91	0.54%	15.83 L
Bond - Govt of India	GOI	Other	153.65	0.52%	15.00 L
Bond - Govt of India	GOI	Other	153.19	0.52%	15.00 L
Bond - Govt of India	GOI	Other	102.17	0.35%	10.00 L
Bond - Govt of India	GOI	Other	102.37	0.35%	10.00 L
Bond - Govt of India	GOI	Other	101.14	0.34%	10.00 L
Bond - Govt of India	GOI	Other	80.17	0.27%	7.90 L
Bond - Govt of India	GOI	Other	68.33	0.23%	6.70 L
Bond - Govt of India	GOI	Other	60.79	0.21%	6.00 L
Bond - Govt of India	GOI	Other	36.64	0.12%	3.76 L
Bond - Govt of India	GOI	Other	11.17	0.04%	1.00 L
Bond - Govt of India	GOI	Other	4.85	0.02%	50.00 k
Bond - Govt of India	GOI	Other	3.24	0.01%	34.50 k