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Gilt Mutual Funds
- Average Return 7.14%
- No. of Funds 21
What is Gilt Mutual Fund
Gilt funds are debt funds that invest primarily in government securities. These funds have no risk of non-payment of interest or principal amount but get affected by interest rate movements as the Government borrowing typically happens to be for a longer duration.
Advantages of Gilt Funds
- Suitable when interest rates in the economy are expected to come down
- Ideal for an investment horizon of at least 3-5 years
- Might see volatility during times of important economic events
Top schemes of Gilt Mutual Funds sorted by Returns
21 funds
ShowReturns for
via
#NA of NA
ETM Rank: App exclusive 
Fund Size
₹9,109 Cr
Return (p.a)
+ 9.88%+ 0.73% + 6.71%+ 1.06% + 4.14%+ 1.17% + 6.9%+ 3.66% + 7.92%+ 12.66% + 7.28%+ 20.13%
ETM Rank
#NA of NA
App exclusive
#NA of NA
ETM Rank: App exclusive
Fund Size
₹679 Cr
Return (p.a)
+ 12.44%+ 0.9% + 8.09%+ 1.27% + 2.67%+ 0.76% + 5.44%+ 2.89% + 7.68%+ 12.27% + 6.78%+ 18.65%
ETM Rank
#NA of NA
App exclusive
#NA of NA
ETM Rank: App exclusive
Fund Size
₹11,308 Cr
Return (p.a)
+ 7.83%+ 0.58% + 6.24%+ 0.98% + 1.5%+ 0.43% + 4.61%+ 2.45% + 7.03%+ 11.19% + 6.73%+ 18.48%
ETM Rank
#NA of NA
App exclusive
#NA of NA
ETM Rank: App exclusive
Fund Size
₹1,494 Cr
Return (p.a)
+ 10.86%+ 0.79% + 7.15%+ 1.12% + 1.87%+ 0.53% + 4.69%+ 2.49% + 7.27%+ 11.59% + 6.7%+ 18.38%
ETM Rank
#NA of NA
App exclusive
#NA of NA
ETM Rank: App exclusive
Fund Size
₹1,313 Cr
Return (p.a)
+ 8.37%+ 0.62% + 4.54%+ 0.72% + 1.41%+ 0.4% + 5.25%+ 2.79% + 7.61%+ 12.15% + 6.68%+ 18.34%
ETM Rank
#NA of NA
App exclusive
#NA of NA
ETM Rank: App exclusive
Fund Size
₹2,959 Cr
Return (p.a)
+ 10.78%+ 0.79% + 6.67%+ 1.05% + 2.15%+ 0.61% + 5.11%+ 2.72% + 7.17%+ 11.42% + 6.36%+ 17.4%
ETM Rank
#NA of NA
App exclusive
#NA of NA
ETM Rank: App exclusive
Fund Size
₹1,267 Cr
Return (p.a)
+ 11.84%+ 0.86% + 6.11%+ 0.96% + 1.59%+ 0.45% + 4.96%+ 2.64% + 6.85%+ 10.89% + 6.22%+ 16.99%
ETM Rank
#NA of NA
App exclusive
#NA of NA
ETM Rank: App exclusive
Fund Size
₹566 Cr
Return (p.a)
+ 7.15%+ 0.53% + 4.27%+ 0.68% + 0.6%+ 0.17% + 4.07%+ 2.17% + 6.67%+ 10.6% + 6.17%+ 16.85%
ETM Rank
#NA of NA
App exclusive
#NA of NA
ETM Rank: App exclusive
Fund Size
₹165 Cr
Return (p.a)
+ 6.3%+ 0.47% + 4.46%+ 0.71% + 0.12%+ 0.03% + 3.48%+ 1.85% + 6.56%+ 10.42% + 6.16%+ 16.8%
ETM Rank
#NA of NA
App exclusive
#NA of NA
ETM Rank: App exclusive
Fund Size
₹367 Cr
Return (p.a)
+ 6.61%+ 0.49% + 3.89%+ 0.62% -0.36% -0.1% + 3.22%+ 1.71% + 6.58%+ 10.45% + 6.02%+ 16.4%
ETM Rank
#NA of NA
App exclusive
#NA of NA
ETM Rank: App exclusive
Fund Size
₹2,540 Cr
Return (p.a)
+ 7.43%+ 0.55% + 5.26%+ 0.83% + 0.19%+ 0.05% + 3.01%+ 1.6% + 6.52%+ 10.36% + 6.0%+ 16.34%
ETM Rank
#NA of NA
App exclusive
#NA of NA
ETM Rank: App exclusive
Fund Size
₹1,868 Cr
Return (p.a)
+ 13.95%+ 1.01% + 6.62%+ 1.04% + 0.33%+ 0.09% + 3.18%+ 1.7% + 6.28%+ 9.96% + 5.91%+ 16.07%
ETM Rank
#NA of NA
App exclusive
#NA of NA
ETM Rank: App exclusive
Fund Size
₹1,906 Cr
Return (p.a)
+ 11.43%+ 0.83% + 5.82%+ 0.92% + 0.63%+ 0.18% + 3.61%+ 1.92% + 6.41%+ 10.17% + 5.9%+ 16.04%
ETM Rank
#NA of NA
App exclusive
#NA of NA
ETM Rank: App exclusive
Fund Size
₹150 Cr
Return (p.a)
+ 8.31%+ 0.61% + 5.24%+ 0.83% + 0.24%+ 0.07% + 3.5%+ 1.86% + 6.24%+ 9.9% + 5.77%+ 15.67%
ETM Rank
#NA of NA
App exclusive
#NA of NA
ETM Rank: App exclusive
Fund Size
₹3,459 Cr
Return (p.a)
+ 15.34%+ 1.1% + 7.03%+ 1.11% + 0.09%+ 0.03% + 2.7%+ 1.44% + 5.82%+ 9.21% + 5.63%+ 15.26%
ETM Rank
#NA of NA
App exclusive
Show all funds
Returns Calculator
See what your investment would have yielded in
Invested ₹ 6 Lakh
Profit ₹ 3.33 Lakh
₹ 9.33 Lakh
This fund has generated an XIRR of 7.28% over the past 5 Years
SIP Calculator
Mutual Fund Calculator
Lumpsum CalculatorHow to invest in Gilt Funds?
Investing in Gilt mutual funds on the ET Money app is simple. Follow these steps:
For Desktop Users:
- Click on the "Invest" button next to the scheme in the Gilt fund list shown above.
- Scan the QR code to download the app.
For Mobile Users:
- Tap on the "Invest" button in the Gilt fund list to download the app.
- Open the app, sign up, and complete your one-time KYC process, or log in if you're already registered.
- Search for the mutual fund you want to invest in and choose your investment mode (Lump sum investment or SIP).
- Enter your investment amount.
- Fill in the required details, including your bank account for payment, and confirm.
All set! Your investment is complete.
Frequently Asked Questions
Which are the best Gilt Mutual Funds to invest in 2025?
These are top 5 Gilt funds you can invest in 2025
| Fund Name | Fund Category | Consistency | 5.0 Year Return (Annualized) |
|---|---|---|---|
| Aditya Birla Sun Life Government Securities Fund | Debt | 5.11 % p.a. | |
| Edelweiss Government Securities Fund | Debt | 5.55 % p.a. | |
| Canara Robeco Gilt Fund | Debt | 4.75 % p.a. | |
| HSBC Gilt Fund | Debt | 4.11 % p.a. | |
| Union Gilt Fund | Debt | NA |
How long should I stay invested in Gilt Mutual Funds?
Gilt Funds usually lend to the government for a medium to long duration. For this reason, you need to look at these funds for an investment horizon of at least 5 years. This duration increases the chance of you investing through the entire interest rate cycle, and this reduces the risk you take.
Where do Gilt Mutual Funds invest?
Gilt Funds by regulation have to invest at least 80% of their money in debt instruments issued by the government. These instruments are called G-Secs, a short form for Government Securities. The funds are free to decide the duration they lend for. However, since government borrowing is mostly for the long-term, most funds in the category end-up lending for a long duration.
Are Gilt Mutual Funds high risk?
Gilt Funds have zero credit risk because they lend to the government. However, they are extremely sensitive to interest rate changes in the economy because of their long lending duration. As a result, these funds can be extremely volatile in times of important economic events.
What kind of returns can I earn from Gilt ?
Gilt Funds have on an average delivered 5.22% p.a. returns in the last 1 year. Their 3 and 5 year annualized returns are 7.14% and 5.08%. p.a.
