Sharpe ratio
0.33Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+2.54%1Y Absolute Return
-0.13%1D
Loading NAV history…
Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| DSP Gilt Fund - Direct Plan - GrowthFund 5Y annualised return | ₹8,40,865 | ₹7,32,612 | ₹1,08,253 | +5.73% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.08
₹1 Lakh since launch₹1.08 Lakh
Fund age13.9 yrs
Fund information
Scheme code119099
ISININF740K01NF3
BenchmarkCRISIL Dynamic Gilt Index
CategoryDebt Scheme - Gilt Fund
Expense ratio0.59%
Exit loadNil
Minimum SIP₹100 SIP
Return comparison
52nd / 139 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +7.37% | — | — |
| 3M | -9.12% | — | — |
| 6M | +5.35% | — | — |
| 1Y | +2.54% | — | +1.30% |
| 3Y | +6.34% | — | +3.90% |
| 5Y | +5.73% | — | +3.47% |
| 10Y | +7.10% | — | — |
| Since Launch | +7.67% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.50Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
4.80%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
1.01How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt84.13%
Cash15.87%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 14 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 | Entities | GOI Securities | 15.62% |
| GOVERNMENT OF INDIA 37391 091 DAYS TBILL 23JL26 FV RS 100 | Financial | Treasury Bills | 11.78% |
| GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100 | Entities | GOI Securities | 11.63% |
| Reverse Repo | Unspecified | Reverse Repo | 8.72% |
| GOVERNMENT OF INDIA 33071 GOI 19JU53 7.3 FV RS 100 | Entities | GOI Securities | 8.28% |
| 7.76% Uttar Pradesh SDL 2041 | Unspecified | State Development Loan | 8.01% |
| CENTRAL GOVERNMENT LOAN 22978 GOI 15SP60 7.19 FV RS 100 | Entities | GOI Securities | 7.78% |
| Net Receivables | Unspecified | Net Receivables | 7.15% |
| STATE DEVELOPMENT LOAN 34139 UP 22MR42 7.48 FV RS 100 | Unspecified | State Development Loan | 6.75% |
| STATE DEVELOPMENT LOAN 37162 MH 04MR47 7.66 FV RS 100 | Unspecified | State Development Loan | 6.09% |
Fund management
SH
Shantanu Godambe
Since 2023 · Prior to joining DSP Mutual Fund, he has worked with Yes Bank, Prebon Yamane and ICAP India Private Limited
Mr. Godambehas done B.Com, MS (Finance) and CFA
SA
Sandeep Yadav
Since 2024 · Prior to joining DSP, he has worked with Cognizant Technologies, Hughes Services and Mahindra British Telecom.
Mr. Yadav is a Computer Engineer (Pune University), PGDBM (IIM Bangalore) and a CFA chartered holder.
Compare similar funds
No comparable category funds are available yet.
Summary
A moderate-risk debt scheme - gilt fund. Top 10 holdings make up 92% — a handful of stocks can swing returns sharply.
Strengths
- None
Weaknesses
- Top 10 holdings make up 92% — a handful of stocks can swing returns sharply.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- Top 10 holdings = 92% of the portfolio.