PGIM India Gilt Fund

Q: What are the returns of this mutual fund scheme?

The PGIM India Gilt Fund is a 17 yrs 3 m old fund and has delivered average annual returns of 6.59% since inception. PGIM India Gilt Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 2.43% 5.91% 4.77% 6.49% 6.59%

Q: How much does this mutual fund charge as expense ratio?

The PGIM India Gilt Fund has an expense ratio of 1.38% , representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹30.0028-0.65% 1 day change	6.59% p.a.	App exclusive #NA View Ranked Funds	₹104 Cr

Historical NAV & returns

NAV: ₹30.0028 as on Feb 02, 2026

This fund Category average

PGIM India Gilt Fund overview

AUM (Fund size)	₹104 Cr
Exit load	0%
Lock-in Period	Nil
Age	17 yrs 3 m since Oct 07, 2008
Benchmark	CRISIL Dynamic Gilt Index
Min. investment	SIP: ₹1000 & Lumpsum: ₹5000
Expense ratio	1.38% as on Feb 02, 2026
Plan type	Regular
Risk	Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

PGIM India Gilt Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Feb 03, 2026

Period	This fund	Category average
1 Month	-0.58%	-0.45%
3 Months	-0.56%	-0.2%
6 Months	-1.33%	-0.9%
1 Year	2.43%	2.85%
2 Years	4.92%	5.33%
3 Years	5.91%	6.1%
4 Years	5.28%	5.56%
5 Years	4.77%	4.94%
7 Years	6.12%	6.51%
10 Years	6.49%	7.0%

Asset allocationas on Dec 31, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

SOV 95.98%

Cash & Call Money 4.02%

Top Debt Holdings

GOI 91.14%

Andhra Pradesh State 4.84%

Others 0.94%

Allocation by Instruments

GOI Securities 91.13999999999999%

State Development Loan 4.84%

Central Government Loan 3.4000000000000004%

Net Receivables 3.08%

Other Holdings

Others 3.08%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
PGIM India Gilt Fund	-0.58%	-1.33%	2.43%	5.91%	4.77%	6.49%
SBI Gilt Fund	0.08%	-0.16%	3.72%	6.64%	5.78%	7.73%
SBI Gilt Fund	0.08%	-0.16%	3.72%	6.64%	5.78%	7.73%
Axis Gilt Fund	-0.3%	-0.07%	4.1%	6.95%	5.35%	7.08%
SBI Gilt Fund	0.08%	-0.14%	3.75%	6.65%	5.78%	7.73%
ICICI Prudential Gilt Fund	-0.25%	0.61%	5.7%	7.47%	6.18%	8.12%

Fund name	Std. deviation	Beta	Sharpe	Sortino
PGIM India Gilt Fund	2.96	0.83	-0.01	-0.01
SBI Gilt Fund	3.08	0.84	0.2	0.29
SBI Gilt Fund	3.08	0.84	0.2	0.29
Axis Gilt Fund	3.0	0.82	0.3	0.46
SBI Gilt Fund	3.08	0.84	0.2	0.29
ICICI Prudential Gilt Fund	1.91	0.49	0.71	0.83

Fund name	ETM Rank	AUM	Fund age	Expense ratio
PGIM India Gilt Fund	N.A.	104 Cr	17 yrs 3 m	1.38%
SBI Gilt Fund	N.A.	10,817 Cr	25 yrs 1 m	0.96%
SBI Gilt Fund	N.A.	10,817 Cr	22 yrs 2 m	0.96%
Axis Gilt Fund	N.A.	686 Cr	14 yrs	0.82%
SBI Gilt Fund	N.A.	10,817 Cr	22 yrs 2 m	0.96%
ICICI Prudential Gilt Fund	N.A.	9,181 Cr	26 yrs 6 m	1.1%

View all Gilt funds

Key risk & return ratios Compared to other funds in the category

Alpha	-1.26 vs. 1.57 Underperformed at beating benchmark
Sharpe	-0.01 vs. 1.85 Poor risk-adjusted returns
Beta	0.83 vs. 0.43 More sensitive to market's ups & downs
Standard deviation	2.96 vs. 2.74 More volatile performance

Compare PGIM India Gilt Fund in detail with

About this fund

About PGIM India Gilt Fund

PGIM India Gilt Fund is a Gilt mutual fund scheme from Pgim India Mutual Fund. This fund has been in existence for 17 yrs 3 m, having been launched on 07/10/2008. PGIM India Gilt Fund has ₹104 Crores worth of assets under management (AUM) as on 31/12/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of PGIM India Gilt Fund as of 02/02/2026 is ₹30.00. The fund has an expense ratio of 1.38%, which is higher than what most other Gilt funds charge.

PGIM India Gilt Fund returns of last 1-year are 2.51%. Since launch, it has delivered 6.56% average annual returns. The fund has doubled the money invested in it every 12 yrs.
PGIM India Gilt Fund scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is average.
The fund's credit profile is very high indicating it has lent to borrowers whose quality is excellent. Most funds in this category lend to better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in GOI, Andhra Pradesh State.

...

Fund AUM	104 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

Fund managers

Puneet Pal

Mr. Pal is a B.Com (H) and MBA from SIBM Pune. Prior to joining PGIM India Mutual Fund, he has worked with BNP Paribas AMC as Head Fixed Income, UTI AMC as Sr. Vice President & Fund Manager & TATA AMC as Fund Manager.

Bhupesh Kalyani

Mr. Kalyani is a CA, ICWA and CISA. Prior to joining PGIM India Mutual Fund, he was associated with IDBI AMC, LIC Mutual Fund, Edelweiss Mutual Fund, Tata Mutual Fund and Star Union Dai-ichi life Insurance C.o. Ltd.

Investment objective

The scheme aims to generate returns by investing in a portfolio of Central/State Government securities of various maturities.

PGIM India Mutual Fund details

No. of schemes	24 view all schemes
Total AUM	27,546 Cr as on Dec 31, 2025
Address	7th Floor, Radhe Empire, Chandavarkar Road Borivali (W), Mumbai Mumbai, 400092
Phone	+91 22 6159 5441 / 42 , 1800 209 7446

More funds from PGIM India Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
PGIM India CRISIL IBX Gilt Index - Apr 2028 Fund	N.A.	25 Cr	7.38%	7.64%
PGIM India Money Market Fund	N.A.	207 Cr	6.82%	7.06%
PGIM India Liquid Fund	N.A.	505 Cr	6.35%	6.91%
PGIM India Corporate Bond Fund	N.A.	86 Cr	6.36%	6.83%
PGIM India Ultra Short Duration Fund	N.A.	175 Cr	6.03%	6.49%
PGIM India Overnight Fund	N.A.	38 Cr	5.59%	6.29%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of PGIM India Gilt Fund?

The current Net Asset Value (NAV) of the PGIM India Gilt Fund plan is approximately ₹30.0028 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The PGIM India Gilt Fund is a 17 yrs 3 m old fund and has delivered average annual returns of 6.59% since inception.

PGIM India Gilt Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
2.43%	5.91%	4.77%	6.49%	6.59%

How much does this mutual fund charge as expense ratio?

The PGIM India Gilt Fund has an expense ratio of 1.38%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The PGIM India Gilt Fund currently has assets under management (AUM) or fund size valued at approximately 104 Cr as on Dec 31, 2025.

To whom does PGIM India Gilt Fund lend to?

The top 3 debt holdings of PGIM India Gilt Fund are as follows

Holding Name	Percentage of Portfolio
GOI	91.14%
Andhra Pradesh State	4.84%
Others	0.94%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The PGIM India Gilt Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
SOV	95.98%
Cash & Call Money	4.02%

What is risk level of PGIM India Gilt Fund?

This is a Gilt fund comes with Moderate risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How can I redeem my investments in PGIM India Gilt Fund?

Redeeming your investments in the PGIM India Gilt Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Gilt

#NA

Volatility Protection: This fund is one of the best in protecting against volatility in it's category.
Exit Load: This fund has no exit load.
Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.
Return/Risk: The fund is performing poorly than its category.