HDFC Gilt Fund - 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

Fund House :

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 45.831 -0.08%
(as on 27th January, 2023)

Crisil Rank

Below average performance among peers

Fund Size

: ₹ 1714.8 Cr

(8.88% of Investment in Category)

Expense Ratio

: 0.9%

(1.29% Category average)

Risk-O-Meter

Moderate

Gilt Fund :Gilt Fund : The fund has 97.15% investment in Debt, of which 97.15% in Government securities.

Suitable For : Investors who want to invest money for longer duration but their first and only priority is safety of their investments.

1M
3M
6M
1Y
2Y
5Y
ALL

This Scheme

VS

CRISIL 10 Year Gilt Index

0.07%

2%

2.91%

2.1%

0.95%

5.56%

4.66%
NA
0.32%

1.5%

2.82%

3.15%

2.54%

6.62%

7.45%

NA
Gold

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Date : -
NAV : -
CRISIL 10 Year Gilt Index : -

1M
3M
6M
9M
1Y
2Y
3Y
5Y
ALL

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Investment : -
Value on selected date : -

Returns Calculator
SIP Calculator
VIP (Value Avg)

Amount

₹

Investment Date
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Investment Value

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Profit/Loss

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Annualised Returns

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Value on selected date : -

Returns (NAV as on 27th January, 2023)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	20-Jan-23	10001.10	0.01%	-	-0.09%	3/24
1 Month	27-Dec-22	10040.40	0.40%	-	0.32%	8/24
3 Month	27-Oct-22	10176.40	1.76%	-	1.50%	6/23
6 Month	27-Jul-22	10294.90	2.95%	-	2.82%	9/21
YTD	30-Dec-22	10042.90	0.43%	-	0.32%	6/24
1 Year	27-Jan-22	10284.30	2.84%	2.84%	3.15%	13/21
2 Year	27-Jan-21	10469.10	4.69%	2.32%	2.54%	13/21
3 Year	27-Jan-20	11479.50	14.79%	4.70%	5.14%	13/21
5 Year	25-Jan-18	13224.90	32.25%	5.74%	6.63%	16/21
10 Year	24-Jan-13	19694.90	96.95%	7.00%	7.37%	13/20
Since Inception	25-Jul-01	45831.00	358.31%	7.33%	7.45%	16/24

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 27th January, 2023)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	27-Jan-22	12000	12282.14	2.35 %	4.36 %
2 Year	27-Jan-21	24000	24759.07	3.16 %	3.02 %
3 Year	27-Jan-20	36000	37806.2	5.02 %	3.2 %
5 Year	25-Jan-18	60000	67831.98	13.05 %	4.84 %
10 Year	24-Jan-13	120000	165882.12	38.24 %	6.3 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

If sold after 3 years from purchase date, long term capital gain tax will be applicable. Current tax rate is the lower of (a) 10% of profit or (b) 20% of profit adjusted after indexation benefits. Any cess/surcharge is not included.|If sold before 3 years from purchase date, short term capital gain tax will be applicable. Any profit will be clubbed with your income and taxed at your effective tax rate.

Portfolio (Updated on 31st Dec,2022)

No of Debt Holding 19 (Category Avg - 14.82) | Modified Duration 3.30 Years (Category Avg - 3.60)| Yield to Maturity 7.39% (Category Avg - 7.19%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	97.15%	92.61%
T-Bills	0.00%	9.49%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	97.15%	102.10%
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%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
Net Receivables	Net Receivables	1.92%
TREPS	TREPS	0.60%
Reverse Repo	Reverse Repo	0.33%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 30th December, 2022)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

2.71vs3.1

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

0.52vs0.76

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

-0.66vs-0.47

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

-0.03vs-0.02

Category Avg
Jension's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Poor risk adjusted returns

-1.23vs-0.46

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
ICICI Prudential Gilt Fund - Growth	5	2600.56	0.17	1.12	3.93	5.40	6.44
SBI Magnum Gilt Fund - Regular Plan - Growth	5	3968.02	0.34	1.83	3.87	4.89	6.18
UTI Gilt Fund - Growth	4	512.22	0.30	1.57	3.31	3.63	5.10
Tata Gilt Securities Fund - Regular Plan - Appreciation	3	251.79	0.31	0.64	2.56	3.57	4.15
Invesco India Gilt Fund - Growth	3	22.13	0.32	1.55	2.20	3.54	3.72
Edelweiss Government Securities Fund - Regular Plan - Growth	4	117.26	0.43	1.82	2.91	3.38	6.69
DSP Government Securities Fund - Regular Plan - Growth	4	415.51	0.32	1.62	2.79	3.36	6.06
Franklin India Government Securities Fund - Growth	2	129.24	0.49	1.58	2.34	3.14	4.26
HSBC Gilt Fund - Growth	3	239.13	0.23	1.16	2.32	3.11	4.44
Kotak Gilt - Investment - Regular - Growth	3	1810.16	0.22	1.26	3.50	2.98	5.71

Detailed Comparison

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Out of 91 mutual fund schemes offered by this AMC, 7 is/are ranked 5 * , 9 is/are ranked 4 * , 14 is/are ranked 3 * , 4 is/are ranked 2 * , 2 is/are ranked 1 * , and 55 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
HDFC Liquid Fund - Growth	3	58670.75	0.55	1.63	3.02	5.01	4.06
HDFC Mid-Cap Opportunities Fund - Growth	4	35730.69	-1.67	0.10	9.47	10.51	21.05
HDFC Flexi Cap Fund - Growth	5	32154.52	-2.20	-0.03	9.97	12.23	18.83
HDFC Corporate Bond Fund - Growth	4	23219.92	0.39	1.59	3.08	3.71	6.13
HDFC Top 100 Fund - Growth	5	22702.51	-3.65	-2.14	4.54	2.96	14.07
HDFC Top 100 Fund - Growth	5	22702.51	-1.90	0.39	7.89	7.82	14.23
HDFC Hybrid Equity Fund - Growth	4	19174.14	-1.95	0.29	6.86	5.91	14.71
HDFC Overnight Fund - Growth	NA	16015.20	0.53	1.53	2.95	4.98	3.86
HDFC Overnight Fund - Growth	NA	16015.20	0.51	1.48	2.83	4.75	3.65
HDFC Floating Rate Debt Fund -Growth	3	15040.59	0.42	1.44	3.35	4.62	5.86