How to Invest in SBI Gilt Fund Direct Growth?

You can easily invest in SBI Gilt Fund Direct Growth in a hassle-free manner on Groww. The process is extremely simple, quick and completely paperless. Invest in a few minutes with the following steps: Log on to your Groww account Search for SBI Gilt Fund Direct Growth from the search box In order to invest, you will have to complete all the KYC formalities which are completely online and paperless and take a few minutes to complete Once you are done with that, you can start investing in SBI Gilt Fund Direct Growth as SIP or lumpsum as per your investment objective and risk tolerance

What kind of returns does SBI Gilt Fund Direct Growth provide?

The SBI Gilt Fund Direct Growth has been there from 02 Jan 2013 and the average annual returns provided by this fund is 4.53% since its inception.

How much expense ratio is charged by SBI Gilt Fund Direct Growth?

The term Expense Ratio used for SBI Gilt Fund Direct Growth or any other mutual fund is the annual charges one needs to pay to the Mutual Fund company for managing your investments in that fund. The Expense Ratio of SBI Gilt Fund Direct Growth is 0.46% as of 27 Jan 2026...

What is the AUM of SBI Gilt Fund Direct Growth?

The AUM, short for Assets Under Management of SBI Gilt Fund Direct Growth is ₹10,816.83Cr as of 27 Jan 2026.

How to Redeem SBI Gilt Fund Direct Growth?

If you want to sell your SBI Gilt Fund Direct Growth holdings, go to your holding on the app or web and simply click on it. You will get two options - redeem & invest more; click on redeem and enter your desired amount or if you wish to redeem the entire holding amount then select the 'redeem all' checkbox.

Can I invest in SIP and Lump Sum of SBI Gilt Fund Direct Growth?

You can select either SIP or Lumpsum investment of SBI Gilt Fund Direct Growth based on your investment objective and risk tolerance.

What is the NAV of SBI Gilt Fund Direct Growth?

The NAV of SBI Gilt Fund Direct Growth is ₹70.49 as of 23 Jan 2026.

What is the PE and PB ratio of SBI Gilt Fund Direct Growth?

The PE ratio ratio of SBI Gilt Fund Direct Growth is determined by dividing the market price by its earnings per share and the PB ratio of the same is evaluated by dividing the stock price per share by its book value per share (BVPS).

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SBI Gilt Fund Direct Growth

Name: SBI Gilt Fund Direct Growth
Brand: SBI Mutual Fund

Debt

Gilt

Moderate Risk

+7.31%

3Y annualised

+0.04% 1D

All

NAV: 23 Jan '26

₹70.49

Min. SIP amount

₹500

Fund size

₹10,816.83 Cr

Expense ratio

0.46%

Return calculator

Monthly SIP

One time

Monthly investment

₹5,000

Over the past	Total investment	Would've become	Returns
1 year	₹60,000	₹60,599	+1.00%
3 years	₹1,80,000	₹1,96,712	+9.28%
5 years	₹3,00,000	₹3,52,637	+17.55%
10 years	₹6,00,000	₹8,71,696	+45.28%

Holdings (12)

Name	Sector	Instruments	Assets
GOI	Sovereign	GOI Sec	21.46%
GOI	Sovereign	GOI Sec	9.16%
GOI	Sovereign	GOI Sec	9.00%
GOI	Sovereign	GOI Sec	7.88%
GOI	Sovereign	GOI Sec	6.25%
GOI	Sovereign	GOI Sec	6.15%
GOI	Sovereign	GOI Sec	5.85%
Reserve Bank of India	Financial	T-Bills	5.45%
Reserve Bank of India	Financial	T-Bills	2.73%
Punjab State	Others	SDL	2.59%
GOI	Sovereign	GOI Sec	1.80%
Reserve Bank of India	Financial	T-Bills	0.92%

See All

Minimum investments

Min. for 1st investment

₹5,000

Min. for 2nd investment

₹1,000

Min. for SIP

₹500

Returns and rankings

Annualised returns

Absolute returns

Name	3Y	5Y	10Y	All
Fund returns	+7.3%	+6.2%	+8.3%	+8.9%
Category average (Debt Gilt)	+6.8%	+4.9%	+7.0%	--
Rank (Debt Gilt)	8	2	3	--

Exit load, stamp duty and tax

Exit load

Nil

Stamp duty on investment: 0.005% (from July 1st, 2020)

from July 1st 2020

Tax implication

Returns are taxed as per your Income Tax slab.

Check past data

Compare similar funds

	Name	1Y	3Y	Fund Size(Cr)
	ICICI Prudential Gilt Fund Direct Plan Growth	+6.83%	+8.19%	9,181.38
	Baroda BNP Paribas Gilt Fund Direct Growth	+5.04%	+7.49%	1,183.68
	SBI Gilt Fund Direct Growth	+4.53%	+7.31%	10,816.83
	HDFC Gilt Fund Direct Growth	+4.80%	+7.18%	2,914.19
	Franklin India Government Securities Fund Direct Growth	+5.56%	+6.52%	186.64
Compare

Fund management

SA
Sudhir Agrawal
Jul 2025 - Present
View details

Education

Mr.Sudhir Agrawal is a M.Com, PGDBA (Finance) and a CFA.

Experience

Prior to joining SBI MF he has worked with UTI MF, TATA Asset Management Ltd., Tramp Value Pvt. Ltd. and CARE Ratings.

Also manages these schemes

SBI Low Duration Fund Direct Growth

SBI Gilt Fund Direct Growth

SBI Ultra Short Duration Fund Direct Growth

SBI Constant Maturity 10 Year Gilt Fund Direct Growth

SBI Dynamic Bond Direct Plan Growth

About SBI Gilt Fund Direct Growth

SBI Gilt Fund Direct Growth is a Debt Mutual Fund Scheme launched by SBI Mutual Fund. This scheme was made available to investors on 29 Jun 1987. Sudhir Agrawal is the Current Fund Manager of SBI Gilt Fund Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹12,56,070 Cr and the Latest NAV as of 23 Jan 2026 is ₹70.49. The SBI Gilt Fund Direct Growth is rated Moderate risk. Minimum SIP Investment is set to ₹500. Minimum Lumpsum Investment is ₹5,000. ;

Investment Objective

The scheme aims to generate returns through investments in government securities. It will normally maintain an average maturity of more than three years.

Fund benchmarkNIFTY All Duration G-Sec Index

Scheme Information Document(SID)