Canara Robeco Gilt Fund Review: Plans, NAV, Returns and Portfolio Analysis 2026
- August 4, 2026
- Posted by: Ankit Jaiswal
- Category: News
Canara Robeco Gilt Fund has 4 plan/option variants. Representative NAV Rs 83.4029 (20-Jul-2026). Category Gilt Fund. Risk Moderate.
Canara Robeco Gilt Fund is a gilt fund offered by Canara Robeco Mutual Fund, available in Direct and Regular Plans across IDCW, Growth. The scheme aims to generate income and capital appreciation by investing at least 80% of assets in central government securities across maturities, providing sovereign credit quality with no default risk. With multiple variants, Canara Robeco Gilt Fund lets investors choose between different cost structures and payout approaches within the same base scheme.
This article reviews Canara Robeco Gilt Fund across all its available plans and options, covering the latest NAV, expense ratio, portfolio approach, performance, exit load and investor suitability, based on publicly available data as of August 2026.
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Canara Robeco Gilt Fund Plans and Options Available
Canara Robeco Gilt Fund is offered across 4 scheme codes. The table below lists all available variants with ISIN codes and latest NAV figures.
| Scheme Code | Plan | Option | ISIN (Growth / Payout) | ISIN (Reinvestment) | NAV (Rs) | NAV Date |
| 118299 | Direct Plan | Growth | INF760K01FC4 | – | 83.4029 | 20-Jul-2026 |
| 118298 | Direct Plan | IDCW | INF760K01FA8 | INF760K01FB6 | 16.2224 | 20-Jul-2026 |
| 100597 | Regular Plan | Growth | INF760K01AE1 | – | 76.8445 | 20-Jul-2026 |
| 100596 | Regular Plan | IDCW | INF760K01AB7 | INF760K01AC5 | 14.7591 | 20-Jul-2026 |
Investment Objective and Portfolio Approach
Canara Robeco Gilt Fund seeks to generate income and capital appreciation by investing at least 80% of assets in central government securities across maturities, providing sovereign credit quality with no default risk.
In terms of portfolio construction, the scheme holds central government securities across maturities, with no credit risk since all holdings are backed by the Government of India; return is driven primarily by interest rate movements and duration management.
Canara Robeco Gilt Fund Performance and Returns
Canara Robeco Gilt Fund has delivered returns that are dependent on the fund manager’s portfolio decisions, market conditions and the expense ratio differential between plans; investors should check the latest factsheet for current figures. Performance across individual plans and options may vary slightly due to differing expense ratios and whether gains are paid out under the IDCW option or reinvested under the Growth option.
The Direct Plan of any mutual fund typically delivers a slightly higher return than the Regular Plan of the same scheme over time, since it charges a lower expense ratio by excluding distributor commission. Investors should review the latest scheme factsheet from the AMC for current performance figures.
Direct Plan vs Regular Plan: Key Differences in Canara Robeco Gilt Fund
The Direct Plan of Canara Robeco Gilt Fund is available for investors transacting directly with the AMC or through a registered investment advisor, and carries lower than the Regular Plan of the same scheme, since it excludes distributor commission. The Regular Plan carries not independently verified; investors should check the latest expense ratio on the AMC website or Univest Screener.
Over longer holding periods, the compounding effect of this cost difference can be meaningful, which is why cost conscious investors often prefer the Direct Plan when they are comfortable transacting without distributor support.
Growth Option vs IDCW Option in Canara Robeco Gilt Fund
The Growth option of Canara Robeco Gilt Fund reinvests any gains back into the scheme NAV, supporting long term wealth compounding for investors who do not need periodic payouts.
The IDCW option of Canara Robeco Gilt Fund distributes available surplus to unit holders according to the chosen frequency, subject to the fund house declaring a distribution. Payouts under any IDCW option are not guaranteed and depend on distributable surplus.
Expense Ratio and Exit Load
The expense ratio for the Regular Plan of the scheme is not independently verified; investors should check the latest expense ratio on the AMC website or Univest Screener, while the Direct Plan carries lower than the Regular Plan of the same scheme, since it excludes distributor commission. This is the annual fee deducted from the scheme’s assets.
The exit load on the scheme is typically Nil or a very small exit load; investors should confirm in the scheme information document.
Who Should Consider the scheme
Conservative income seekers. The scheme suits investors looking for stable income with lower volatility than equity funds.
Medium term investors. A holding period matching the scheme’s duration target is generally advisable for the scheme.
Investors stepping down risk. The scheme can be suitable for investors shifting from equity to debt as they approach a financial goal.
Key Risks in the scheme
Interest rate risk. The NAV of the scheme is sensitive to changes in interest rates and benchmark yields.
Credit risk. Debt holdings carry issuer credit risk, and any downgrade or default in the portfolio can affect NAV.
Reinvestment risk. Maturing bonds may need to be reinvested at lower yields in a falling interest rate environment.
How to Invest in Canara Robeco Gilt Fund
Investors evaluating Canara Robeco Gilt Fund should begin by deciding between the Direct and Regular Plan, and between the Growth option for long term compounding and the IDCW option for periodic payouts.
Completing KYC through a SEBI registered intermediary or the AMC portal is mandatory before investing for the first time. Investors who have existing KYC registration can proceed directly.
Investment in Canara Robeco Gilt Fund can be made as a lump sum or through a Systematic Investment Plan of at least Rs 1,000 lump sum for most gilt funds, followed by regular monitoring of NAV and portfolio composition at least quarterly.
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Conclusion
Canara Robeco Gilt Fund is a gilt fund scheme from Canara Robeco Mutual Fund available across 4 plan and option variants, giving investors flexibility in cost structure and payout approach. The representative NAV of Rs 83.4029 for the Direct Plan Growth option as on 20-Jul-2026 reflects the scheme’s performance since launch. Investors should review the latest scheme information document and consult a SEBI registered advisor before investing.
Disclaimer: Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).
Frequently Asked Questions on Canara Robeco Gilt Fund
What plans and options are available in Canara Robeco Gilt Fund?
Ans. Canara Robeco Gilt Fund is available in Direct and Regular Plans and IDCW, Growth, giving investors 4 scheme codes to choose from depending on cost preference and payout requirements.
What is the latest NAV of Canara Robeco Gilt Fund?
Ans. The latest NAV of the Direct Plan Growth option of Canara Robeco Gilt Fund is Rs 83.4029 as on 20-Jul-2026. NAVs for all plan and option variants are updated at the end of every business day.
What is the investment objective of Canara Robeco Gilt Fund?
Ans. The primary objective of Canara Robeco Gilt Fund is to generate income and capital appreciation by investing at least 80% of assets in central government securities across maturities, providing sovereign credit quality with no default risk.
What is the difference between the Direct and Regular Plan in Canara Robeco Gilt Fund?
Ans. The Direct Plan of Canara Robeco Gilt Fund carries lower than the Regular Plan of the same scheme, since it excludes distributor commission, excluding distributor commission. The Regular Plan carries not independently verified; investors should check the latest expense ratio on the AMC website or Univest Screener. The lower cost of the Direct Plan can improve long term compounding.
What is the expense ratio of Canara Robeco Gilt Fund?
Ans. The Regular Plan of Canara Robeco Gilt Fund carries an expense ratio of not independently verified; investors should check the latest expense ratio on the AMC website or Univest Screener, and the Direct Plan carries lower than the Regular Plan of the same scheme, since it excludes distributor commission. The exact current figure can be confirmed in the latest AMC factsheet.
What is the exit load on Canara Robeco Gilt Fund?
Ans. The exit load on Canara Robeco Gilt Fund is typically Nil or a very small exit load; investors should confirm in the scheme information document. Investors should confirm this in the current scheme information document before redeeming.
Who should invest in Canara Robeco Gilt Fund?
Ans. Canara Robeco Gilt Fund can suit investors whose financial goals, risk appetite and investment horizon align with the gilt fund category. Consult a SEBI registered advisor to assess personal suitability.
Is Canara Robeco Gilt Fund a good investment?
Ans. Canara Robeco Gilt Fund can be appropriate for investors who understand the gilt fund category mandate and are comfortable with the associated risk. Past performance does not guarantee future returns.
