{"id":224337,"date":"2026-08-31T15:04:59","date_gmt":"2026-08-31T09:34:59","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-gilt-fund-direct-growth-review-2026\/"},"modified":"2026-08-31T15:04:59","modified_gmt":"2026-08-31T09:34:59","slug":"aditya-birla-sl-gilt-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-gilt-fund-direct-growth-review-2026\/","title":{"rendered":"Aditya Birla SL Gilt Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-gilt-fund-g-direct-plan\">Aditya Birla SL Gilt Fund Direct Growth Plan<\/a> had a NAV of \u20b988.6967 as of 28 August 2026 and an AUM of \u20b91,410 Cr. Its 1-year, 3-year and 5-year returns are 4.02%, 5.92% and 5.38%, and it carries a Medium Risk label. Our view is that this fund fits investors who want gilt exposure with a relatively steady profile, but the return pattern remains moderate rather than standout.<\/p>\n<p>The fund\u2019s government-securities-heavy portfolio and no-exit-load structure make it more suited to conservative debt allocation than short-term return chasing. The benchmark context matters here: recent returns have improved, but longer-term compounding has still been only modestly ahead of the reference index over 3 years while lagging over 5 years.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-gilt-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-gilt-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-gilt-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_Aditya_Birla_SL_Gilt\" title=\"Should you BUY or HOLD Aditya Birla SL Gilt?\">Should you BUY or HOLD Aditya Birla SL Gilt?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-gilt-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-gilt-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-gilt-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-gilt-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-gilt-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-gilt-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-gilt-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-gilt-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Metric<\/th>\n<th>Value<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b988.6967<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b91,410 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.49%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>01 Jan 2013<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b91000<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>Medium Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Debt<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>No exit load<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Bhupesh Bameta<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Bhupesh Bameta.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 28 Aug 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>0.17%<\/td>\n<td>-0.85%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>2.99%<\/td>\n<td>3.39%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>4.02%<\/td>\n<td>-2.29%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>5.92%<\/td>\n<td>6.40%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>5.38%<\/td>\n<td>7.13%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The short-term picture has been better than the benchmark in 1 month and 1 year, but softer over 3 months. That mix suggests the fund has not moved in a straight line, yet it has still produced a positive return in each measured period here.<\/p>\n<p>Over 3 years, the fund has kept pace reasonably well with a stable compounding pattern, though it is slightly behind the benchmark on the headline 3-year figure. Over 5 years, the gap widens, because the benchmark\u2019s long-run return is higher than the fund\u2019s. That tells us the fund has offered steadier debt-style participation, but not enough uplift to beat the equity benchmark over the full cycle.<\/p>\n<p>The return path also shows periodic pauses and reversals rather than smooth month-to-month gains. For an investor, that matters because it suggests gilt exposure can help dampen extremes, but it does not eliminate mark-to-market swings. The recent 1-year improvement is encouraging, yet it does not fully change the longer-term picture.<\/p>\n<p>Overall, the fund\u2019s current run has been more resilient than the benchmark in the near term, while the 3-year and 5-year records remain more measured. We would read that as a fund whose recent momentum is better than its longer-history outcome, rather than as a consistently stronger long-term compounder.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 28 Aug 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_Aditya_Birla_SL_Gilt\"><\/span>Should you BUY or HOLD Aditya Birla SL Gilt?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding Aditya Birla SL Gilt? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-gilt-fund-g-direct-plan\">Aditya Birla SL Gilt Fund Direct Growth Plan<\/a><\/td>\n<td>4.02%<\/td>\n<td>5.92%<\/td>\n<td>5.38%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/bandhan-gilt-fund-g-direct-plan\">Bandhan Gilt Fund Direct Growth Plan<\/a><\/td>\n<td>8.725%<\/td>\n<td>8.0136%<\/td>\n<td>6.4795%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/franklin-india-gilt-fund-g-direct-plan\">Franklin India Gilt Fund Direct Growth Plan<\/a><\/td>\n<td>7.2868%<\/td>\n<td>6.6383%<\/td>\n<td>5.584%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/uti-gilt-fund-g-direct-plan\">UTI Gilt Fund Direct Growth Plan<\/a><\/td>\n<td>6.2894%<\/td>\n<td>6.8361%<\/td>\n<td>5.8546%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/bandhan-10-year-constant-maturity-gilt-fund-g-direct-plan\">Bandhan 10 year Constant Maturity Gilt Fund Direct Growth Plan<\/a><\/td>\n<td>6.1771%<\/td>\n<td>7.9126%<\/td>\n<td>6.0865%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-gilt-fund-g-direct-plan\">ICICI Pru Gilt Fund Direct Growth Plan<\/a><\/td>\n<td>6.1045%<\/td>\n<td>7.4461%<\/td>\n<td>6.9532%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.<\/p>\n<p>On 1-year returns, this fund trails all five peer funds listed here, so the recent improvement is still modest relative to the group. The 3-year result is closer to the pack, but it remains behind several peers that have compounded more strongly. The 5-year figure is also softer than every peer shown, which tells us the fund\u2019s longer-term return profile has been more restrained than the peer set.<\/p>\n<p>That said, the gap is not the same across horizons. The short-term comparison looks weaker, while the 3-year and 5-year numbers suggest a more stable but less rewarding profile. For readers comparing gilt funds only on returns, the short-term story and the longer-term story point in the same direction: this scheme has been steadier, but not as productive as the stronger peer returns available here.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 28 Aug 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Market-cap distribution<\/strong><\/p>\n<table>\n<thead>\n<tr>\n<th>Market cap bucket<\/th>\n<th>Allocation<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Large cap<\/td>\n<td>0%<\/td>\n<\/tr>\n<tr>\n<td>Mid cap<\/td>\n<td>0%<\/td>\n<\/tr>\n<tr>\n<td>Small cap<\/td>\n<td>0%<\/td>\n<\/tr>\n<tr>\n<td>Other<\/td>\n<td>100%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<table>\n<thead>\n<tr>\n<th>Sector<\/th>\n<th>Allocation<\/th>\n<th>Holdings<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>GOVERNMENT SECURITIES<\/td>\n<td>97.23%<\/td>\n<td>GOVERNMENT OF INDIA (22\/04\/2064) \u2014 32.29%; GOVERNMENT OF INDIA (19\/06\/2053) \u2014 23.69%<\/td>\n<\/tr>\n<tr>\n<td>CASH &amp; CASH EQUIVALENTS AND NET ASSETS<\/td>\n<td>2.77%<\/td>\n<td>NET RECEIVABLES \/ (PAYABLES) \u2014 1.33%; CLEARING CORPORATION OF INDIA LIMITED \u2014 0.9%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The portfolio is overwhelmingly concentrated in government securities, which is exactly what we would expect from a gilt strategy. With 97.23% in that bucket, the fund\u2019s behaviour is likely to be shaped primarily by sovereign bond price moves and yield changes rather than by equity-market activity.<\/p>\n<p>The balance sits in cash and cash equivalents, which at 2.77% is too small to change the portfolio\u2019s core character. The largest sector is materially larger than the cash and net assets allocation, so the fund remains highly focused on its central debt mandate. In practical terms, the two government security holdings listed here are the main drivers of the portfolio\u2019s interest-rate sensitivity.<\/p>\n<p>Because there is no equity exposure in the market-cap split and the visible sector list is narrowly focused, the fund may serve as a pure-rate or duration-oriented allocation within a broader debt sleeve. That concentration can help keep the mandate clear, but it also means returns may depend heavily on the government-bond environment.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 28 Aug 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund suits investors who are comfortable with Medium Risk debt exposure and who can hold through periods when gilt returns lag the reference index. The 1-year figure is better than the benchmark, but the 3-year and 5-year records are more muted, so the appeal is more about portfolio stability and sovereign-bond exposure than about aggressive return capture.<\/p>\n<p>A medium- to longer-term horizon makes more sense than a very short holding period, because the fund\u2019s return pattern has not been perfectly smooth. Investors who value a government-securities-heavy allocation may find it useful as part of a conservative debt mix, especially when they want limited dependence on corporate credit risk.<\/p>\n<p>The main trade-off is clear: you get a focused gilt portfolio with a clean sovereign-bond profile, but you give up the stronger return pace shown by several peer funds and the benchmark over longer horizons. That makes it a fit for investors prioritising defensive debt characteristics over the highest available return outcome.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Exit load<\/strong><\/p>\n<p>No exit load.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 28 Aug 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>What is the current NAV of Aditya Birla SL Gilt Fund Direct Growth Plan?<\/strong><br \/>The current NAV is \u20b988.6967 as of 28 August 2026.<\/p>\n<p><strong>What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/strong><br \/>The fund\u2019s 1-year, 3-year and 5-year returns are 4.02%, 5.92% and 5.38%.<\/p>\n<p><strong>How has it performed versus the benchmark?<\/strong><br \/>It has beaten the benchmark over 1 month and 1 year, but it trails on 3-year and 5-year returns.<\/p>\n<p><strong>How does it compare with the peer funds shown here?<\/strong><br \/>Its 1-year, 3-year and 5-year figures are below the peer returns listed in the comparison table. The difference is most visible over 1 year and 5 years.<\/p>\n<p><strong>What is the minimum SIP amount?<\/strong><br \/>The minimum SIP is \u20b91000.<\/p>\n<p><strong>What are the risk label, portfolio mix and exit load?<\/strong><br \/>It carries a Medium Risk label and is heavily concentrated in government securities, with 97.23% in that sector. There is no exit load.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Aditya Birla SL Gilt Fund Direct Growth Plan has improved in the near term, but its 3-year and 5-year records still look more restrained than the stronger peer outcomes shown here. The fund\u2019s Medium Risk label fits its sovereign-bond focus, and the portfolio is clearly anchored in government securities rather than spread across broader market buckets. That makes it a targeted gilt allocation for investors who prefer defensive debt characteristics and can accept a steadier, less exciting return profile.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 31 August 2026 at 3:02 PM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"Aditya Birla SL Gilt Fund Direct Growth Plan\",\"identifier\":\"aditya-birla-sl-gilt-fund-g-direct-plan\",\"category\":\"Debt\",\"dateCreated\":\"01 Jan 2013\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":88.6967,\"valueReference\":\"as of 28 Aug 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"1410 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.49\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":4.0167},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":5.9203},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":5.3841},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Bhupesh Bameta\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of Aditya Birla SL Gilt Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b988.6967 as of 28 August 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund\u2019s 1-year, 3-year and 5-year returns are 4.02%, 5.92% and 5.38%.\"}},{\"@type\":\"Question\",\"name\":\"How has it performed versus the benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has beaten the benchmark over 1 month and 1 year, but it trails on 3-year and 5-year returns.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with the peer funds shown here?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its 1-year, 3-year and 5-year figures are below the peer returns listed in the comparison table. The difference is most visible over 1 year and 5 years.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP is \u20b91000.\"}},{\"@type\":\"Question\",\"name\":\"What are the risk label, portfolio mix and exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It carries a Medium Risk label and is heavily concentrated in government securities, with 97.23% in that sector. There is no exit load.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Person\",\"name\":\"{{ANALYST_NAME}}\",\"affiliation\":{\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\"},\"description\":\"Uniapps Investment Adviser Pvt. Ltd. \u2014 SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Aditya Birla SL Gilt Fund Direct Growth Plan had a NAV of \u20b988.6967 as of 28 August 2026, AUM of \u20b91,410 Cr and 1Y\/3Y\/5Y returns of 4.02%\/5.92%\/5.38%.<\/p>\n","protected":false},"author":29,"featured_media":224335,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-224337","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["224335"],"rank_math_title":["Aditya Birla SL Gilt Fund Review 2026"],"rank_math_description":["Aditya Birla SL Gilt Fund Direct Growth Plan NAV \u20b988.6967; 1Y return 4.02%. 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