Bajaj Finserv Gilt Direct IDCW: NAV Today, Performance Review and Should You Invest?

July 28, 2026
Posted by: Ankit Jaiswal
Category: News

Bajaj Finserv Gilt Direct IDCW NAV Rs 1073.37. Category: Debt. 1Y return +2.30%. Risk: Moderate Risk.

Bajaj Finserv Gilt Direct IDCW is an open ended debt scheme, offered by Bajaj Finserv Mutual Fund. This review covers the latest NAV, historical returns, plan details and whether it fits your investment goals as an open ended debt scheme.

The scheme carries ISIN INF0QA701AQ7 and is classified under Debt Scheme – Gilt Fund. Read on for a full breakdown of Bajaj Finserv Gilt Direct IDCW NAV history and returns before you decide how it fits your portfolio.

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Table of Contents

About Bajaj Finserv Gilt Direct IDCW

Bajaj Finserv Gilt Direct IDCW is offered by Bajaj Finserv Mutual Fund and has a track record of about 1.5 years. The scheme falls under the Debt Scheme – Gilt Fund category as classified by AMFI.

This particular scheme code represents a Direct Plan, which is bought straight from the fund house without a distributor, so it usually carries a lower expense ratio than the Regular Plan of the same scheme, structured under an IDCW (Income Distribution cum Capital Withdrawal) option, where the fund can pay out a portion of gains to unit holders instead of reinvesting all of it. Investors evaluating Bajaj Finserv Gilt Direct IDCW should confirm they are selecting the correct plan and option combination that matches their needs before investing.

Bajaj Finserv Mutual Fund is registered with SEBI and, like every other fund house, reports scheme performance and portfolio holdings to AMFI on a regular basis. Every mutual fund scheme in India, regardless of the AMC that manages it, is governed by SEBI Mutual Fund Regulations, which set rules around disclosure, expense ratios and investor protection that fund houses must follow.

Bajaj Finserv Gilt Direct IDCW NAV and Performance

Bajaj Finserv Gilt Direct IDCW NAV currently stands at Rs 1073.3660. The table below summarises its performance across available time periods, calculated using official historical NAV data.

Metric	Value
Current NAV	Rs 1073.3660
1 Year Return	+2.30%
Since Inception Cagr	+4.74%
Track Record	About 1.5 years
Category	Debt (Moderate Risk)

Bajaj Finserv Gilt Direct IDCW returns shown above are point to point and computed from official historical NAV data. Returns for periods below 1 year are absolute, while 1 year and above are shown as CAGR (compounded annual growth rate).

Bajaj Finserv Gilt Direct IDCW: Plan and Option Explained

Bajaj Finserv Gilt Direct IDCW is structured as a Direct Plan. In India, every open ended mutual fund scheme typically offers both a Direct Plan and a Regular Plan. The Direct Plan is bought straight from the AMC without a distributor and carries a lower expense ratio, while the Regular Plan of the same underlying portfolio is bought through a distributor and carries a marginally higher expense ratio that compensates the distributor.

On the option side, Bajaj Finserv Gilt Direct IDCW uses an IDCW (Income Distribution cum Capital Withdrawal) option, where the fund can pay out a portion of gains to unit holders instead of reinvesting all of it. Investors who want compounding without receiving cash payouts typically prefer Growth, while those who want periodic cash flow may prefer an IDCW or Dividend option, keeping in mind that payouts reduce the NAV to that extent.

Should You Invest in Bajaj Finserv Gilt Direct IDCW?

Whether Bajaj Finserv Gilt Direct IDCW suits you depends on your risk appetite, time horizon and financial goal. Suited to investors whose risk appetite and investment horizon match this category. It sits in the Debt category, which is classified as Moderate Risk, so investors should size their allocation to this scheme according to how much volatility they can tolerate.

Investors considering Bajaj Finserv Gilt Direct IDCW should also compare it against other schemes in the same debt category using a screener, check the expense ratio and exit load in the latest factsheet, and align the investment horizon with the recommended holding period for this category before committing fresh money.

Compare Bajaj Finserv Gilt Direct IDCW Against Other Debt Funds on the Univest Screener

How to Invest in Bajaj Finserv Gilt Direct IDCW via Univest

To invest in Bajaj Finserv Gilt Direct IDCW, log in to your Univest account and complete your KYC if you have not already done so. Search for it by scheme name or AMC within the mutual fund section.

Decide between a lumpsum investment or a monthly SIP based on your cash flow, enter the amount, and confirm the order. You can track Bajaj Finserv Gilt Direct IDCW NAV and returns anytime from your Univest portfolio dashboard.

Download the Univest iOS App or Univest Android App to track its NAV live and manage your mutual fund portfolio.

Risks of Investing in Bajaj Finserv Gilt Direct IDCW

Returns are not guaranteed and depend on market movement.
Read the scheme information document to understand specific risks.
Past performance does not guarantee future returns.

These risks apply broadly to the Debt category that Bajaj Finserv Gilt Direct IDCW belongs to. Always read the Scheme Information Document (SID) of this scheme for the complete, fund specific risk factors before investing.

Conclusion

Bajaj Finserv Gilt Direct IDCW is an open ended debt scheme. With a current NAV of Rs 1073.3660 and a since inception CAGR of +4.74%, it has a track record investors can evaluate against their own goals. As with any debt investment, review the latest factsheet, expense ratio and exit load and consult your financial advisor to check suitability before investing. This article is for informational purposes as per SEBI RA INH000013776.

Disclaimer: Data and figures in this article are sourced from publicly available information including AMFI and fund house disclosures. These may or may not be accurate. Please verify all data with the official AMFI (amfiindia.com) website and the respective fund house before making any investment decision. Mutual fund investments are subject to market risk, read all scheme related documents carefully. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).

FAQs on Bajaj Finserv Gilt Direct IDCW

What is the current NAV of Bajaj Finserv Gilt Direct IDCW?

Ans. Its latest available NAV is Rs 1073.3660. NAV changes every business day based on the value of the securities the scheme holds.

What are the returns of Bajaj Finserv Gilt Direct IDCW?

Ans. It has delivered a 1 year return of +2.30%. Past returns do not guarantee future performance.

Can I invest in Bajaj Finserv Gilt Direct IDCW right now?

Ans. Yes, it is an open ended scheme, which means investors can generally invest or redeem units on any business day at the applicable NAV, subject to any exit load mentioned in the scheme documents.

Is Bajaj Finserv Gilt Direct IDCW a Direct Plan or a Regular Plan?

Ans. This specific scheme is the Direct Plan. a Direct Plan, which is bought straight from the fund house without a distributor, so it usually carries a lower expense ratio than the Regular Plan of the same scheme.

What is the IDCW option in Bajaj Finserv Gilt Direct IDCW?

Ans. It is structured under an IDCW (Income Distribution cum Capital Withdrawal) option, where the fund can pay out a portion of gains to unit holders instead of reinvesting all of it.

What category does Bajaj Finserv Gilt Direct IDCW belong to and how risky is it?

Ans. It falls under the Debt category and is classified as Moderate Risk. Suited to investors whose risk appetite and investment horizon match this category.

How can I check Bajaj Finserv Gilt Direct IDCW live on Univest?

Ans. You can track its NAV, category peers and other mutual fund and stock data through the Univest Screener and app after logging in to your Univest account.

Who manages Bajaj Finserv Gilt Direct IDCW?

Ans. It is managed by Bajaj Finserv Mutual Fund as per the fund house’s official scheme disclosures. Fund manager names can change over time, so investors should check the latest factsheet on the AMC website for the current manager.

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Author: Ankit Jaiswal

Ankit Jaiswal is the Senior Research Analyst at Univest, leading the platform's in-house equity research desk and serving as the editorial reviewer for all research and blog content published at univest.in. With 11+ years of experience in Indian equity markets, he oversees stock recommendations, earnings analysis, sector coverage, and ensures every published article meets SEBI Research Analyst Regulations. He holds a Bachelor of Commerce (B.Com) from St. Xavier's College, Kolkata — one of India's most prestigious commerce institutions — and has cleared CMT Level 2 from the CMT Association, a globally recognised certification in technical analysis and market research. His research methodology combines fundamental analysis (earnings quality, balance sheet strength, management commentary) with advanced technical analysis (chart patterns, momentum indicators, market structure) — giving Univest's retail investors a dual-lens approach that most Indian research platforms lack. Ankit is among the most comprehensively certified analysts in Indian financial media, holding five NISM certifications: Series-XV (Research Analyst), Series-VIII (Equity Derivatives), Series-VII (SORM), Series-VI (Depository Operations), and Series-V-A (Mutual Fund Distributors). At Univest — India's SEBI-registered research and advisory platform — Ankit's responsibilities include leading the research team, finalising stock recommendations published across Pro Lite, Pro Super, and Pro Gold advisory services, and maintaining editorial oversight of all YMYL financial content published on the blog.