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 : HDFC Mutual Fund

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

: ₹ 43.9922 0.04%
(as on 30th July, 2021)

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Crisil Rank

Average performance among peers

Fund Size

: ₹ 1596.01 Cr

(8.46% of Investment in Category)

Expense Ratio

: 0.91%

(1.3% Category average)

Risk-O-Meter

Moderate

Gilt Fund :Gilt Fund : Fund has 95.36% investment in Debt of which 95.36% 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.

Crisil Rank Change : Fund Crisil rank was updated from 2 to 3 in the previous quarter.

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

This Scheme

VS

CRISIL 10 Year Gilt Index

-0.98%

-0.11%

0.41%

2.16%

5.02%

6.5%

8.12%
NA
0.3%

0.7%

0.65%

2.59%

6.36%

7.31%

8.2%

NA
Gold

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VIP (Value Avg)

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Returns (NAV as on 29th July, 2021)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	22-Jul-21	9993.40	-0.07%	-	0.03%	18/23
1 Month	29-Jun-21	10031.10	0.31%	-	0.27%	9/23
3 Month	29-Apr-21	10078.80	0.79%	-	0.76%	11/23
6 Month	29-Jan-21	10042.60	0.43%	-	0.66%	16/23
YTD	01-Jan-21	10014.50	0.14%	-	0.50%	17/23
1 Year	29-Jul-20	10256.20	2.56%	2.56%	2.62%	13/23
2 Year	29-Jul-19	11301.10	13.01%	6.30%	6.42%	14/23
3 Year	27-Jul-18	12559.60	25.60%	7.87%	9.10%	20/23
5 Year	29-Jul-16	13566.60	35.67%	6.29%	7.32%	20/23
10 Year	29-Jul-11	21959.80	119.60%	8.18%	8.70%	15/20
Since Inception	25-Jul-01	43973.50	339.74%	7.68%	8.20%	16/24

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 29th July, 2021)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	29-Jul-20	12000	12177.01	1.48 %	2.75 %
2 Year	29-Jul-19	24000	25288.87	5.37 %	5.12 %
3 Year	27-Jul-18	36000	39771.19	10.48 %	6.58 %
5 Year	29-Jul-16	60000	70520.73	17.53 %	6.4 %
10 Year	29-Jul-11	120000	178784.46	48.99 %	7.73 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Portfolio (Updated on 30th Jun,2021)

No of Debt Holding 17 (Category Avg - 16.20) | Modified Duration 4.32 Years (Category Avg - 3.70)| Yield to Maturity 5.71% (Category Avg - 5.34%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	82.88%	92.75%
T-Bills	12.48%	16.44%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	95.36%	109.19%
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 (%)
TREPS	TREPS	2.33%
Net Receivables	Net Receivables	1.47%
Reverse Repo	Reverse Repo	0.84%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 30th June, 2021)

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

2.34vs3.45

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

0.44vs0.72

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.

Better risk adjusted returns

1.88vs1.58

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.

Better risk adjusted returns

0.1vs0.08

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.

Better risk adjusted returns

1.25vs0.7

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Edelweiss Government Securities Fund - Regular Plan - Growth	5	98.29	0.21	0.52	2.09	5.85	10.27
Axis Gilt Fund - Growth	4	152.86	0.14	0.46	0.55	3.73	10.16
DSP Government Securities Fund - Regular Plan - Growth	4	461.95	0.29	0.87	0.99	3.47	10.59
Aditya Birla Sun Life Government Securities Fund - Regular Plan - Growth	3	880.66	0.23	1.19	1.29	3.26	9.85
SBI Magnum Gilt Fund - Regular Plan - Growth	5	3711.19	0.23	0.72	1.38	3.24	10.05
LIC MF Government Securities Fund - Growth	5	48.03	0.36	0.79	1.20	3.18	9.52
PGIM India Gilt Fund - Growth	3	132.01	0.23	0.74	1.16	3.06	8.44
Kotak Gilt - Investment - PF and Trust - Growth	NA	864.72	0.31	0.83	0.05	3.01	9.48
Kotak Gilt - Investment - Regular - Growth	2	864.72	0.31	0.83	0.05	3.01	9.48
ICICI Prudential Gilt Fund - Growth	3	3739.01	0.10	0.76	1.03	2.96	9.38

Detailed Comparison

More Funds from HDFC Mutual Fund

Out of 95 mutual fund schemes offered by this AMC, 3 is/are ranked 5 * , 6 is/are ranked 4 * , 18 is/are ranked 3 * , 2 is/are ranked 2 * , 6 is/are ranked 1 * , and 60 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
HDFC Liquid Fund - Growth	1	52683.54	0.27	0.80	1.58	3.12	5.17
HDFC Balanced Advantage Fund - Growth	4	41796.27	1.81	11.96	21.16	49.61	11.86
HDFC Mid-Cap Opportunities Fund - Growth	3	29507.59	3.79	14.29	31.96	74.34	14.50
HDFC Corporate Bond Fund - Growth	3	26697.86	0.63	1.29	2.13	5.14	9.21
HDFC Low Duration Fund - Retail - Growth	4	26073.33	0.42	1.23	1.98	5.17	7.11
HDFC Flexi Cap Fund - Growth	3	25493.82	1.50	13.02	25.19	62.11	12.42
HDFC Top 100 Fund - Growth	1	20049.52	0.26	9.73	18.35	47.65	10.48
HDFC Top 100 Fund - Growth	1	20049.52	0.68	9.03	17.61	44.51	12.73
HDFC Floating Rate Debt Fund -Growth	3	18739.70	0.58	1.52	2.42	5.96	7.84
HDFC Hybrid Equity Fund - Growth (Adjusted NAV)	NA	18220.21	1.91	10.41	19.50	46.03	12.64