Groww Gilt Fund - Direct Plan
Riskometer 
Moderate
₹10.0261 0.09%
As on 25-Jun-2026
Value Research Opinion
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Risk
This fund has Moderate risk.
As per SEBI's Riskometer.
Portfolio of Groww Gilt Fund - Direct Plan
Asset Allocation
Split between different types of investments
Credit Rating Weightage
Split between categories of Equity investments
Peer Comparison
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Fund name
|
Rating |
Our Opinion |
Risk
|
Return (%) |
|
Base Expense Ratio (%)
|
|---|---|---|---|---|---|---|
|
Groww Gilt Fund - Direct Plan
|
 |
Moderate
|
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0.48 |
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 |
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Moderate
|
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0.40 |
||
 |
|
Moderate
|
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0.49 |
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|
|
Moderate
|
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0.39 |
||
|
|
Moderate
|
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0.45 |
Other details of Groww Gilt Fund - Direct Plan
Assets
₹35 Cr
Exit Load (Days)
--
Min. Investment (₹)
500
Min. Withdrawal (₹)
500
Min. SIP Investment (₹)
500
Min. No of Cheques
12
About Groww Gilt Fund - Direct Plan
Groww Gilt Fund - Direct Plan is a debt mutual fund scheme of Groww Mutual Fund. Launched on May 09, 2025, it is currently managed by Kaustubh Sule and Wilfred Peter Gonsalves. The fund has an expense ratio of 0.48% with an overall AUM (Assets Under Management) of ₹35 Cr.
Groww Gilt Fund - Direct Plan is mandated to invest at least 80 per cent of its assets in bonds issued by the government of India. The fund allows minimum lumpsum investment of ₹500 and minimum SIP of ₹500.
Investment Strategy
The scheme seeks to generate credit risk-free returns by predominantly investing in sovereign securities issued by the Central Government and/or State Government(s) and/or any security guaranteed by the Government of India, and/or reverse repos in such securities as per applicable RBI Regulations and Guidelines. The Scheme may also be investing in Reverse repo, Triparty repo on Government securities or treasury bills and/or other similar instruments as may be notified from time to time.
Suitability
Gilt funds are suitable for investors:
- Looking to invest in government securities, which carry no credit risk
- Who understand these funds can swing sharply as interest rates move
- Who can withstand higher volatility and risk in their debt portfolio
Note:
- Most investors can skip these funds and stick to core debt funds instead
- Unlike FD, there is no guarantee of returns
- Not suitable for long term wealth creation
Capital Gains Taxation
- If investment is made on or after 1 April 2023: Entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
- If investment is made before 1 April 2023:
- Sold within 2 years from the date of investment: Gains are added to the investors' income and taxed according to the applicable slab rate.
- Sold after 2 years from the date of investment: Gains are taxed at the rate of 12.5%.
- No tax is to be paid as long as you continue to hold the units.
Disclaimer: The tax information has been prepared on a best-effort basis using information available in the public domain and other sources that Value Research considers reliable. This is not meant as tax advice, and we advise you to consult your tax advisor before making any decision. Value Research takes no responsibility and assumes no liability for any loss or damage arising from any investment or redemption decision based on this information.
Dividend Taxation
- Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs 10,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.
Latest news on Groww Gilt Fund - Direct Plan
FAQ for Groww Gilt Fund - Direct Plan
How to Invest in Groww Gilt Fund - Direct Plan?
Subscribers of Value Research Fund Advisor can conveniently invest in the low-cost direct plan of Groww Gilt Fund - Direct Plan through the Value Research Fund Advisor website.
Alternatively, mutual funds can also be purchased directly from the respective fund house’s website. For example, Groww Gilt Fund - Direct Plan can be bought from the Groww Mutual Fund website. In such a case, if you are investing in multiple funds from different fund houses, you will need to transact separately on each fund house’s website.
The third option is to invest offline, by seeking assistance from a mutual fund distributor. Most banks also act as mutual fund distributors, and you can approach your bank for help in completing your investment.
What is the current NAV of Groww Gilt Fund - Direct Plan Today?
The latest declared NAV of Groww Gilt Fund - Direct Plan, is ₹10.0261 as of 28-Jun-2026.
What are the top holdings of Groww Gilt Fund - Direct Plan?
| Company | Percentage of Portfolio |
|---|---|
|
GOI Sec 6.90 15/04/2065 |
25.89
|
|
GOI Sec 7.71 18/05/2066 |
14.40
|
|
Reserve Bank of India T-Bills 364-D 04/06/2026 |
14.35
|
|
Reserve Bank of India T-Bills 364-D 18/06/2026 |
14.32
|
|
GOI Sec 7.24 18/08/2055 |
13.69
|
What is the return of Groww Gilt Fund - Direct Plan in the last 5 years?
Over the past five years, Groww Gilt Fund - Direct Plan has delivered an annualised return of --% as of 28-Jun-2026.
What is the minimum investment required in Groww Gilt Fund - Direct Plan?
The minimum investment required to start investing in Groww Gilt Fund - Direct Plan is ₹500 for the lump sum option and ₹500 for the SIP (Systematic Investment Plan) option.
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