Tata Gilt Fund Retirement Plan (280225) Growth

Tata Gilt Fund Retirement Plan (280225) Growth

Debt

Tata Mutual Fund

Government Bond

Get the latest NAV of Tata Gilt Fund Retirement Plan (280225) Growth. View historical returns compared to its benchmark and category average. Know which stocks and sectors the fund is investing in. Get an estimate of returns from the SIP and lump sum returns calculator. View detailed holding analysis and peer comparison. Get INDmoney ranking of the fund.

₹34.23

▼-0.2%1D

NAV as on 28 Feb 2025

5.99%/per year

Since Inception

Absolute Gain%

▲▼

Tata Gilt Fund Retirement Plan (280225) Growth Performance vs. Government Bond Index

Fund returns vs Benchmark returns vs Category Average returns as on (28-Feb-25)

The fund has consistently outperformed the benchmark (Government Bond Index) over the last 1Y, 3Y, 5Y time periods.

Period
1M
3M
6M
1Y
3Y
5Y
This Fund
-0.48%
0.51%
2.28%
6.19%
6.2%
5.2%
Government Bond Index
-0.92%
-1.66%
0.77%
1.03%
5.33%
4.61%
Government Bond Avg
-0.84%
-1.53%
0.94%
1.22%
6.03%
5.14%
Best in Government Bond
0.29%
-0.15%
3.84%
7.01%
8.32%
6.4%
Worst in Government Bond
-1.42%
-2.51%
0.3%
-1.66%
4.79%
4.86%
Category Rank
6/13
6/14
6/14
4/15
--
--

Peer comparison

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
3Y Alpha
3Y Beta
3Y Sharpe
3Y Sortino
3Y Info Ratio
Tata Gilt Fund Retirement Plan (280225) Growth
6/13
769Cr
1.32%
6.19%
6.2%
-0.52
0.63
-0.13
-0.18
-0.48
Baroda BNP Paribas Gilt Fund
-
1,761Cr
0.45%
11.84%
8.66%
--
--
--
1.14
0.06
ICICI Prudential Gilt Fund
-
7,166Cr
1.09%
10.78%
8.71%
0.79
--
--
1.93
0.14
DSP Gilt Fund
-
1,737Cr
1.16%
11.69%
8.78%
0.18
--
--
1.11
0.17
See all

Tata Gilt Fund Retirement Plan (280225) Growth Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

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Tata Gilt Fund Retirement Plan (280225) Growth Asset Allocation

See fund asset allocation details as on (14-Oct-26)

Fund Distribution

as on (14-Oct-26)

AAA
100%
Cash allocation has gone up from 2.9% to 3.6%
Cash allocation has gone up from 2.9% to 3.6%
Debt allocation has gone down from 97.1% to 96.4%
Debt allocation has gone down from 97.1% to 96.4%

Tata Gilt Fund Retirement Plan (280225) Growth Sector Allocation

See fund sector allocation details as on (14-Oct-26)

Sector Allocation

Government
97.7%
Cash Equivalent
2.3%

Top Sector in September was Government

Sep'26

Government

96%

Aug'26

Government

97%

Tata Gilt Fund Retirement Plan (280225) Growth Overview

Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.

Expense ratio1.32%
Benchmark
CRISIL Dynamic Gilt TR INR TR INR
AUM₹769 Cr
Inception Date29 December, 2003
Min Lumpsum/SIP--/--
Exit Load0%
Lock InNo Lock-in
TurnOver
370.91%
Risk
Risk meter
pointer
Moderate Risk

About Tata Gilt Fund Retirement Plan (280225) Growth

Tata Gilt Fund Retirement Plan (280225) Growth is a debt fund. This fund was started on 29 December, 2003. The fund is managed by Puja Kasat, Akhil Mittal. This fund is suitable to keep your money safe.

Key Parameters

  1. Tata Gilt Fund Retirement Plan (280225) Growth has ₹769 Cr worth of assets under management (AUM) as on Oct 2026 and is more than category average.
  2. The fund has an expense ratio 1.3.

Returns

Tata Gilt Fund Retirement Plan (280225) Growth has given a CAGR return of 5.99% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 6.19%, 6.20% and 5.20% respectively.

Holdings

Tata Gilt Fund Retirement Plan (280225) Growth has allocated its funds majorly in Government, Cash Equivalent. Its top holdings are 7.06% Govt Stock 2041, 6.9% Govt Stock 2065, 7.09% Govt Stock 2054, 7.18% Govt Stock 2033, 7.1% Govt Stock 2034

Taxation

As it is a government bond mutual fund the taxation is as follows:
If the fund is debt oriented i.e. asset allocation of more than 65% in debt instruments:
Invested before 1 April 2023 and held for less than 24 months, STCG will be taxed at your income slab rate.
Invested before 1 April 2023 and held for more than 24 months, LTCG will be taxed at 12.5%.
Invested after 1 April 2023, capital gains will be taxed at your income slab rate.
Dividends will always be taxed at slab rate.

Investment objective of Tata Gilt Fund Retirement Plan (280225) Growth

The investment objective of the Scheme is to generate medium to long term capital appreciation and income distribution by investing predominantly in Government Securities

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 0.00 and for SIP is INR 0.00. Tata Gilt Fund Retirement Plan (280225) Growth has no lock in period.

Fund Manager

Puja Kasat

Fund Manager of Tata Gilt Fund Retirement Plan (280225) Growth, since 1 June 2026

Akhil Mittal

Fund Manager of Tata Gilt Fund Retirement Plan (280225) Growth, since 1 March 2022

Learn more about Tata Mutual Fund
Parameters
Sep'26
Aug'26
Jul'26
AUM
₹ 777.3 Cr
₹ 787.6 Cr
₹ 878.4 Cr
  • AUM of the fund stands at 777.3 Cr as of Sep'26
  • AUM decreased by 10.2 Cr between Sep'26 and Aug'26

Frequently Asked Questions for Tata Gilt Fund Retirement Plan (280225) Growth

How do I invest in Tata Gilt Fund Retirement Plan (280225) Growth?

INDmoney makes it simple to invest in the Tata Gilt Fund Retirement Plan (280225) Growth. To do so, follow the steps below:
  • Download the INDmoney app.
  • Search for ‘Tata Gilt Fund Retirement Plan (280225) Growth’.
  • Select whether you want to invest in SIP or lump sum.
  • Enter the amount you wish to invest.
  • Set up payments via bank mandate or UPI.

What is the current NAV of Tata Gilt Fund Retirement Plan (280225) Growth?

The NAV of the fund today is ₹34.23. NAV or Net Asset Value is the per unit price of a mutual fund. For example, if the NAV of a fund is ₹10, it means you can get 1000 units of that mutual fund at ₹10,000.

What is the return on the fund?

Tata Gilt Fund Retirement Plan (280225) Growth fund has generated a return of 6.19% in 1 year, 6.20% in 3 years, 5.20% in 5 years.

Who is the fund manager of Tata Gilt Fund Retirement Plan (280225) Growth?

The fund managers are Puja Kasat, Akhil Mittal.

What is the expense ratio of the fund?

The expense ratio is 1.32%. The Expense Ratio is a fee charged for managing the fund. This includes commissions, administrative costs etc.

What is the AUM of the fund?

The AUM of the fund is ₹769 Cr. AUM stands for Assets Under Management. It refers to the total assets managed by the fund.

What are the top holdings of Tata Gilt Fund Retirement Plan (280225) Growth?

The top 3 holdings of the fund are 7.06% Govt Stock 2041(42.97%), 6.9% Govt Stock 2065(40.82%), 7.09% Govt Stock 2054(6.08%)