Bajaj Finserv Gilt Fund
Gilt Fund · Bajaj Finserv Asset Management Limited
Be warned: in its worst stretch, ₹1 lakh briefly shrank to about ₹96,130. Its ride has historically been comparatively steady.
New to fund research? Start with the 5-minute guide. The detailed numbers below back all of this up.Bajaj Finserv Gilt Fund is a gilt fund from Bajaj Finserv Asset Management Limited. It has a track record of about 1.7 years. As of the latest data it carries an RS rating of 94/99 (its recent momentum versus category peers). The current NAV is ₹1076.32 (as of 2026-09-16).
Growth of ₹100 - last 2 years
Bajaj Finserv Gilt Fund returns: last 1, 3, 5 and 10 years
| Period | This fund | Category average |
|---|---|---|
| 1 month | -0.73% | -1.37% |
| 3 months | 2.05% | 1.15% |
| 6 months | 3.62% | 2.28% |
| 1 year | 4.49% | 3.64% |
Its trailing one-year return is 4.49%. Trailing returns flatter or disappoint depending on the end date you pick - the year-by-year and rolling-return sections below are a fairer read.
Year-by-year returns
| Year | Bajaj Finserv Gilt Fun | Benchmark |
|---|---|---|
| 2026 | +3.8% | n/a |
Calendar-year returns show how bumpy the ride really was - an average hides the good years and the ugly ones.
Risk & drawdowns
| Measure | This fund | Category average |
|---|---|---|
| Worst drawdown (lifetime) | -3.87% | -9.06% |
| Worst drawdown (3Y) | -3.87% | -3.8% |
| Volatility (1Y) | 3.99% | 4.58% |
| Sharpe (3Y) | -0.52 | -0.15 |
| Bull-market return | 3.0% | 6.45% |
| Bear-market return | 11.3% | 8.35% |
The worst peak-to-bottom fall Bajaj Finserv Gilt Fund has ever put investors through is -3.87% - the real test of whether you'd have stayed invested. In falling markets (Nifty below its 200-day average) it has returned about 11.3% annualised, versus 3.0% in rising markets.
How Bajaj Finserv Gilt Fund behaves when markets fall
When the market is falling (the Nifty below its 200-day average), Bajaj Finserv Gilt Fund has historically returned about 11.3% annualised, versus roughly 3.0% when the market is rising. Its deepest fall on record is -3.87%. Right now it sits about 0.73% below its all-time high (last hit 2026-08-14). The real question isn't the average year - it's whether you could hold on through the worst one.
How Bajaj Finserv Gilt Fund ranks in its category
Percentile versus its ~139 category peers - 100th is best-in-class, 50th is average. This is the fairest apples-to-apples read.
Consistency (rolling returns)
Rolling-return data isn't available for this fund yet.
Who manages Bajaj Finserv Gilt Fund - and how good are they?
Bajaj Finserv Gilt Fund is managed by Nimesh Chandan, Siddharth Chaudhary and Sourish Chatterjee. Below is each manager's complete track record - every fund they currently run, judged on the same numbers as everything else on this page - so you can see whether this fund is in strong hands or is the outlier in a weak book.
Nimesh Chandan's full record
Nimesh Chandan currently runs 9 funds, across Banking and PSU Fund, ELSS, Flexi Cap Fund, Gilt Fund and more, with about ₹15,538 Cr under management. The book's average King Score is 90.5/100. Their strongest fund by King Score is Bajaj Finserv Flexi Cap Fund (94/100); Bajaj Finserv Gilt Fund ranks #3 of 9 in their book.
Tap any column heading to sort.
| # | Fund | RS | King | 3M | 6M | 1Y | 3Y CAGR | 5Y CAGR | 10Y CAGR | Sharpe | Roll 3Y | Worst fall |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Bajaj Finserv Flexi Cap Fund | 74 | 94 | 1.8% | 11.9% | 4.3% | 16.3% | n/a | n/a | 0.7 | n/a | -17.5% |
| 2 | Bajaj Finserv Overnight Fund | 96 | 87 | 1.3% | 2.6% | 5.4% | 6.1% | n/a | n/a | -1.49 | n/a | 0.0% |
| 3 | Bajaj Finserv Gilt Fund (this page) | 94 | n/a | 2.0% | 3.6% | 4.5% | n/a | n/a | n/a | -0.52 | n/a | -3.9% |
| 4 | Bajaj Finserv Multi Cap Fund | 87 | n/a | 2.6% | 15.7% | 8.7% | n/a | n/a | n/a | 0.48 | n/a | -13.3% |
| 5 | Bajaj Finserv Small Cap Fund | 81 | n/a | 6.6% | 28.8% | 14.8% | n/a | n/a | n/a | n/a | n/a | -15.2% |
| 6 | Bajaj Finserv Large Cap Fund | 79 | n/a | -0.2% | 2.3% | -0.2% | n/a | n/a | n/a | -0.45 | n/a | -16.9% |
| 7 | Bajaj Finserv ELSS Tax Saver Fund | 73 | n/a | 0.8% | 9.5% | 3.2% | n/a | n/a | n/a | 0.21 | n/a | -13.5% |
| 8 | Bajaj Finserv Banking and PSU Fund | 70 | n/a | 1.2% | 2.6% | 5.0% | n/a | n/a | n/a | 0.59 | n/a | -0.8% |
| 9 | Bajaj Finserv Large and Mid Cap Fund | 39 | n/a | -0.2% | 5.6% | -0.2% | n/a | n/a | n/a | 0.16 | n/a | -16.2% |
Siddharth Chaudhary's full record
Siddharth Chaudhary currently runs 14 funds, across Banking and PSU Fund, ELSS, Equity Savings, Flexi Cap Fund and more, with about ₹18,786 Cr under management. The book's average King Score is 90.5/100. Their strongest fund by King Score is Bajaj Finserv Flexi Cap Fund (94/100); Bajaj Finserv Gilt Fund ranks #4 of 14 in their book.
Tap any column heading to sort.
| # | Fund | RS | King | 3M | 6M | 1Y | 3Y CAGR | 5Y CAGR | 10Y CAGR | Sharpe | Roll 3Y | Worst fall |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Bajaj Finserv Flexi Cap Fund | 74 | 94 | 1.8% | 11.9% | 4.3% | 16.3% | n/a | n/a | 0.7 | n/a | -17.5% |
| 2 | Bajaj Finserv Overnight Fund | 96 | 87 | 1.3% | 2.6% | 5.4% | 6.1% | n/a | n/a | -1.49 | n/a | 0.0% |
| 3 | Bajaj Finserv Healthcare Fund | 98 | n/a | 11.9% | 27.9% | 19.5% | n/a | n/a | n/a | 0.28 | n/a | -15.7% |
| 4 | Bajaj Finserv Gilt Fund (this page) | 94 | n/a | 2.0% | 3.6% | 4.5% | n/a | n/a | n/a | -0.52 | n/a | -3.9% |
| 5 | Bajaj Finserv Multi Cap Fund | 87 | n/a | 2.6% | 15.7% | 8.7% | n/a | n/a | n/a | 0.48 | n/a | -13.3% |
| 6 | Bajaj Finserv Equity Savings Fund | 85 | n/a | 1.2% | 3.1% | 5.0% | n/a | n/a | n/a | n/a | n/a | -1.1% |
| 7 | Bajaj Finserv Small Cap Fund | 81 | n/a | 6.6% | 28.8% | 14.8% | n/a | n/a | n/a | n/a | n/a | -15.2% |
| 8 | Bajaj Finserv Large Cap Fund | 79 | n/a | -0.2% | 2.3% | -0.2% | n/a | n/a | n/a | -0.45 | n/a | -16.9% |
| 9 | Bajaj Finserv ELSS Tax Saver Fund | 73 | n/a | 0.8% | 9.5% | 3.2% | n/a | n/a | n/a | 0.21 | n/a | -13.5% |
| 10 | Bajaj Finserv Banking and PSU Fund | 70 | n/a | 1.2% | 2.6% | 5.0% | n/a | n/a | n/a | 0.59 | n/a | -0.8% |
| 11 | Bajaj Finserv Multi Asset Allocation Fund | 60 | n/a | 0.3% | 1.7% | 9.6% | n/a | n/a | n/a | 0.34 | n/a | -10.0% |
| 12 | Bajaj Finserv Consumption Fund | 50 | n/a | 3.1% | 12.0% | -7.1% | n/a | n/a | n/a | -0.66 | n/a | -21.1% |
| 13 | Bajaj Finserv Large and Mid Cap Fund | 39 | n/a | -0.2% | 5.6% | -0.2% | n/a | n/a | n/a | 0.16 | n/a | -16.2% |
| 14 | Bajaj Finserv Banking and Financial Services Fund | n/a | n/a | -1.7% | 4.8% | n/a | n/a | n/a | n/a | n/a | n/a | -15.0% |
Sourish Chatterjee's full record
Sourish Chatterjee currently runs 2 funds, across Gilt Fund, Overnight Fund, with about ₹885 Cr under management. The book's average King Score is 87.0/100. Their strongest fund by King Score is Bajaj Finserv Overnight Fund (87/100); Bajaj Finserv Gilt Fund ranks #2 of 2 in their book.
Tap any column heading to sort.
| # | Fund | RS | King | 3M | 6M | 1Y | 3Y CAGR | 5Y CAGR | 10Y CAGR | Sharpe | Roll 3Y | Worst fall |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Bajaj Finserv Overnight Fund | 96 | 87 | 1.3% | 2.6% | 5.4% | 6.1% | n/a | n/a | -1.49 | n/a | 0.0% |
| 2 | Bajaj Finserv Gilt Fund (this page) | 94 | n/a | 2.0% | 3.6% | 4.5% | n/a | n/a | n/a | -0.52 | n/a | -3.9% |
A caveat worth keeping: funds often have co-managers, and results belong to the whole team and process rather than one person. A manager's book tells you about their range and consistency, not a guarantee of skill.
Cost & fund basics
| Detail | Value |
|---|---|
| Expense ratio (Direct) | 0.33% |
| Exit load | No exit load |
| Minimum investment | ₹5000 |
| Fund size (AUM) | ₹20 Cr |
| Age | 1.7 years |
| Plan / Option | Direct · Growth |
How Bajaj Finserv Gilt Fund compares to peers
| Fund | RS | King | 3Y CAGR |
|---|---|---|---|
| Bandhan Gilt Fund | 98 | 93 | 7.9% |
| UTI - Gilt Fund | 78 | 89 | 6.6% |
| Axis Gilt Fund | 82 | 87 | 7.1% |
| SBI Gilt Fund | 76 | 86 | 6.6% |
| Baroda BNP Paribas GILT FUND | 49 | 85 | 6.5% |
| ICICI Prudential Gilt Fund | 81 | 85 | 6.9% |
Overlap warning: funds in the same category often own many of the same stocks - holding several rarely adds the diversification people expect.
What these numbers mean
RS rating (1-99) ranks a fund's recent momentum against its category - higher is stronger right now. King Score (0-100) is a long-term quality composite (returns, consistency, drawdown, risk-adjusted return) versus peers. Max drawdown is the worst peak-to-bottom fall the fund has ever experienced. Rolling returns test every possible start date, so one lucky (or unlucky) entry point can't distort the picture. Every formula behind this page is public - see how we calculate every number.
Bajaj Finserv Gilt Fund review: the bottom line
Related
Frequently asked questions
Is Bajaj Finserv Gilt Fund a good mutual fund?
That depends on your goals and risk tolerance - this is descriptive research, not advice. On the numbers, Bajaj Finserv Gilt Fund scores RS 94/99 within its category, and its worst drawdown was -3.87%. Compare those against your needs and the peer table above.
What is the NAV of Bajaj Finserv Gilt Fund today?
The latest NAV is ₹1076.32 (as of 2026-09-16). NAV (net asset value) is the per-unit price of the fund, published every business day by the AMC.
What is the expense ratio of Bajaj Finserv Gilt Fund?
The Direct-plan expense ratio is 0.33% a year. The Direct plan is cheaper than the Regular plan because it carries no distributor commission - over decades that gap compounds meaningfully.
Who is the fund manager of Bajaj Finserv Gilt Fund?
Bajaj Finserv Gilt Fund is managed by Nimesh Chandan; Siddharth Chaudhary; Sourish Chatterjee.
Is Bajaj Finserv Gilt Fund safe? How risky is it?
No market-linked fund is 'safe' in the fixed-deposit sense - the honest question is how deep its falls get. Its worst historical drawdown was -3.87% - ₹1 lakh briefly becoming about ₹96,130. As a debt fund, its risk profile is typical of that category. Look at the drawdown, volatility and bear-market figures above and ask whether you could stay invested through the bad stretches.
Is Bajaj Finserv Gilt Fund tax-efficient / what about capital gains?
As a debt fund, gains follow the rules for its asset class - equity-oriented funds are taxed differently from debt. All returns on this page are pre-tax; your actual post-tax return depends on your holding period and slab. This is descriptive information, not tax advice.
Direct or Regular plan - which is shown here?
All figures on this page are for the Direct-Growth plan (no distributor commission, lower cost). Returns are pre-tax; capital-gains tax depends on your own holding period and slab.
See Bajaj Finserv Gilt Fund live in the MF Terminal
Everything above is a static snapshot. The terminal is where you actually research it:
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- The RS line plotted against its benchmark
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Data: AMFI NAV history, NSE indices, BSE StAR and monthly disclosures. All figures are pre-tax. Descriptive research and education only - nothing here is investment advice or a recommendation to buy, sell or hold any fund. Past performance does not guarantee future returns.