{"id":224343,"date":"2026-08-31T15:08:19","date_gmt":"2026-08-31T09:38:19","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-gilt-fundgrowth-instant-gain-direct-review-2026\/"},"modified":"2026-09-15T15:11:25","modified_gmt":"2026-09-15T09:41:25","slug":"aditya-birla-sl-gilt-fundgrowth-instant-gain-direct-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-gilt-fundgrowth-instant-gain-direct-review-2026\/","title":{"rendered":"Aditya Birla SL Gilt FundGrowth-Instant Gain-Direct 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-instant-gain-direct-plan\">Aditya Birla SL Gilt FundGrowth-Instant Gain-Direct Plan<\/a> has a NAV of \u20b987.9916 as of 11 Sep 2026 and a scheme AUM of \u20b91,237 Cr. Its 1-year, 3-year and 5-year returns are 2.53%, 5.67% and 5.1% respectively, and the scheme sits in the Medium Risk bucket.<\/p>\n<p>Our view is that this looks more suited to investors who want government-securities exposure with relatively measured movement rather than fast capital growth. The portfolio is dominated by long-dated Government of India securities, so the fund\u2019s behaviour is likely to stay closely tied to interest-rate trends and gilt market conditions.<\/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-fundgrowth-instant-gain-direct-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-fundgrowth-instant-gain-direct-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-fundgrowth-instant-gain-direct-review-2026\/#Should_you_BUY_or_HOLD_Aditya_Birla_SL_Gilt_FundGrowth-Instant_Gain-Direct_Plan\" title=\"Should you BUY or HOLD Aditya Birla SL Gilt FundGrowth-Instant Gain-Direct Plan?\">Should you BUY or HOLD Aditya Birla SL Gilt FundGrowth-Instant Gain-Direct Plan?<\/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-fundgrowth-instant-gain-direct-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-fundgrowth-instant-gain-direct-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-fundgrowth-instant-gain-direct-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-fundgrowth-instant-gain-direct-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-fundgrowth-instant-gain-direct-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-gilt-fundgrowth-instant-gain-direct-review-2026\/#What_is_the_current_NAV_of_Aditya_Birla_SL_Gilt_FundGrowth-Instant_Gain-Direct_Plan\" title=\"What is the current NAV of Aditya Birla SL Gilt FundGrowth-Instant Gain-Direct Plan?\">What is the current NAV of Aditya Birla SL Gilt FundGrowth-Instant Gain-Direct Plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-gilt-fundgrowth-instant-gain-direct-review-2026\/#What_are_the_1-year_3-year_and_5-year_returns\" title=\"What are the 1-year, 3-year and 5-year returns?\">What are the 1-year, 3-year and 5-year returns?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-gilt-fundgrowth-instant-gain-direct-review-2026\/#How_has_the_fund_performed_versus_the_benchmark\" title=\"How has the fund performed versus the benchmark?\">How has the fund performed versus the benchmark?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-gilt-fundgrowth-instant-gain-direct-review-2026\/#How_does_it_compare_with_peer_gilt_funds_on_returns\" title=\"How does it compare with peer gilt funds on returns?\">How does it compare with peer gilt funds on returns?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-gilt-fundgrowth-instant-gain-direct-review-2026\/#What_is_the_minimum_SIP_amount\" title=\"What is the minimum SIP amount?\">What is the minimum SIP amount?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-gilt-fundgrowth-instant-gain-direct-review-2026\/#Who_manages_the_fund_and_what_is_the_exit_load\" title=\"Who manages the fund and what is the exit load?\">Who manages the fund and what is the exit load?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-gilt-fundgrowth-instant-gain-direct-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-16\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-gilt-fundgrowth-instant-gain-direct-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-17\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-gilt-fundgrowth-instant-gain-direct-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>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b987.9916 as of 11 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b91,237 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>\u20b91,000<\/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 11 Sep 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>-1.67%<\/td>\n<td>-3.66%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>0.92%<\/td>\n<td>-1.91%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>2.53%<\/td>\n<td>-7.62%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>5.67%<\/td>\n<td>6.22%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>5.1%<\/td>\n<td>5.84%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The recent pattern is softer than the medium-term history, but it is still better than the benchmark across the latest 1-month, 3-month and 1-year windows. That tells us the fund has preserved more value than the benchmark in the recent rate-sensitive stretch, even though both have faced pressure over the shortest period.<\/p>\n<p>Over 3 years and 5 years, the fund has stayed close to the benchmark but has trailed it slightly. The gap is not large, which suggests the scheme has delivered a steadier gilt-style return profile rather than trying to stretch for extra upside.<\/p>\n<p>The short-term path also looks more uneven than the 3-year and 5-year picture. The 1-year pattern includes a deeper dip and a partial recovery, which is consistent with a portfolio that is highly exposed to government bond pricing and interest-rate moves.<\/p>\n<p>For investors, the useful read-through is that this fund has not been a high-velocity compounder, but it has shown the ability to hold up better than the benchmark in some recent windows. Longer-term, the return trend remains moderate rather than strong, so expectations need to stay grounded in debt-market behaviour rather than equity-like growth.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 11 Sep 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_FundGrowth-Instant_Gain-Direct_Plan\"><\/span>Should you BUY or HOLD Aditya Birla SL Gilt FundGrowth-Instant Gain-Direct Plan?<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 FundGrowth-Instant Gain-Direct Plan? 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-instant-gain-direct-plan\">Aditya Birla SL Gilt FundGrowth-Instant Gain-Direct Plan<\/a><\/td>\n<td>2.53%<\/td>\n<td>5.67%<\/td>\n<td>5.1%<\/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>7.85%<\/td>\n<td>8.06%<\/td>\n<td>6.37%<\/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>6.45%<\/td>\n<td>6.62%<\/td>\n<td>5.45%<\/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>5.26%<\/td>\n<td>6.73%<\/td>\n<td>5.71%<\/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>5%<\/td>\n<td>7.2%<\/td>\n<td>6.56%<\/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>4.87%<\/td>\n<td>7.81%<\/td>\n<td>5.83%<\/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 the latest return readings, the fund trails the better-performing peer options, especially on the 1-year measure where several peers are clearly ahead. Its 3-year and 5-year numbers also sit below the stronger peer set, so the medium-term picture is weaker than the leading comparisons.<\/p>\n<p>That said, the gap is not uniform across every horizon. The fund\u2019s 3-year and 5-year returns are still in the same broad band as some peers, which means the difference is more about relative strength than a completely separate outcome. The short-term gap is wider than the long-term one, so the recent stretch has looked less competitive than the multi-year trend.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 11 Sep 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<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Government of India (22\/04\/2064)<\/td>\n<td>Government Securities<\/td>\n<td>30.13%<\/td>\n<\/tr>\n<tr>\n<td>Government of India (18\/05\/2066)<\/td>\n<td>Government Securities<\/td>\n<td>14.27%<\/td>\n<\/tr>\n<tr>\n<td>Government of India (19\/06\/2053)<\/td>\n<td>Government Securities<\/td>\n<td>13.31%<\/td>\n<\/tr>\n<tr>\n<td>Government of India (18\/08\/2055)<\/td>\n<td>Government Securities<\/td>\n<td>8.17%<\/td>\n<\/tr>\n<tr>\n<td>TREPS<\/td>\n<td>Cash &amp; Cash Equivalents and Net Assets<\/td>\n<td>7.7%<\/td>\n<\/tr>\n<tr>\n<td>Government of India (05\/08\/2054)<\/td>\n<td>Government Securities<\/td>\n<td>6.1%<\/td>\n<\/tr>\n<tr>\n<td>Government of India (25\/11\/2074)<\/td>\n<td>Government Securities<\/td>\n<td>4.72%<\/td>\n<\/tr>\n<tr>\n<td>Government of India (30\/10\/2034) (FRB)<\/td>\n<td>Government Securities<\/td>\n<td>4.15%<\/td>\n<\/tr>\n<tr>\n<td>Net Receivable \/ Payable<\/td>\n<td>Cash &amp; Cash Equivalents and Net Assets<\/td>\n<td>2.39%<\/td>\n<\/tr>\n<tr>\n<td>Government of India (22\/02\/2061)<\/td>\n<td>Government Securities<\/td>\n<td>2.16%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The top 10 holdings account for approximately 93.1% of the portfolio.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-gilt-fund-g-instant-gain-direct-plan\">Aditya Birla SL Gilt FundGrowth-Instant Gain-Direct Plan<\/a> page<\/p>\n<p>The largest holding, Government of India (22\/04\/2064), carries a 30.13% weight, which is large enough to shape the fund\u2019s near-term sensitivity to movement in long-duration sovereign bonds. The next positions are much smaller, and the drop from the first holding to the tenth holding is substantial, so the portfolio does not lean on a broad, evenly spread set of bets.<\/p>\n<p>Because the top 10 holdings already account for 93.1% of the portfolio across 14 disclosed holdings, the fund appears fairly concentrated in its visible sleeve. That concentration may make the return profile more dependent on a handful of government-security positions and cash-like balances than on a long tail of smaller exposures.<\/p>\n<p>At the same time, the allocation is still consistent with a gilt strategy rather than a diversified multi-asset posture. In our view, the structure may suit investors who are comfortable with interest-rate sensitivity and want the portfolio to remain anchored in sovereign debt instruments.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 11 Sep 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 may suit investors with a moderate tolerance for interest-rate swings and a preference for sovereign debt exposure. The Medium Risk label and the long-dated government-security mix point to a portfolio that can move when bond yields shift.<\/p>\n<p>A medium to longer investment horizon is more appropriate than a short holding period, because the 3-year and 5-year returns show a steadier but still moderate compounding profile. The main trade-off is that the fund may provide stability relative to riskier market-linked assets, but it does not appear built for aggressive return chasing.<\/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>No exit load.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 11 Sep 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<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_current_NAV_of_Aditya_Birla_SL_Gilt_FundGrowth-Instant_Gain-Direct_Plan\"><\/span>What is the current NAV of Aditya Birla SL Gilt FundGrowth-Instant Gain-Direct Plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The current NAV is \u20b987.9916 as of 11 Sep 2026.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_are_the_1-year_3-year_and_5-year_returns\"><\/span>What are the 1-year, 3-year and 5-year returns?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The 1-year return is 2.53%, the 3-year return is 5.67% and the 5-year return is 5.1%.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_has_the_fund_performed_versus_the_benchmark\"><\/span>How has the fund performed versus the benchmark?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It has done better than the benchmark over 1 month, 3 months and 1 year, but it trails the benchmark over 3 years and 5 years. That makes the recent stretch stronger than the longer-term relative picture.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_it_compare_with_peer_gilt_funds_on_returns\"><\/span>How does it compare with peer gilt funds on returns?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Its 1-year, 3-year and 5-year returns are below the stronger peer figures available, especially on the shorter horizon. The longer horizons are closer to some peers, but the recent gap remains noticeable.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_minimum_SIP_amount\"><\/span>What is the minimum SIP amount?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The minimum SIP amount is \u20b91,000.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_manages_the_fund_and_what_is_the_exit_load\"><\/span>Who manages the fund and what is the exit load?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund is managed by Bhupesh Bameta. 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>This fund\u2019s recent performance is softer than its 3-year and 5-year track, but it has still stayed ahead of the benchmark in the latest shorter windows. Against peer gilt funds, the return profile is weaker on the available figures, though the long-term gap is not extreme. The Medium Risk tag and the heavy tilt toward long-dated Government of India securities make it a rate-sensitive gilt strategy rather than a broad diversification tool. It may fit investors who want sovereign debt exposure and can stay patient through bond-market swings.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 15 September 2026 at 3:10 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 FundGrowth-Instant Gain-Direct Plan\",\"identifier\":\"aditya-birla-sl-gilt-fund-g-instant-gain-direct-plan\",\"category\":\"Debt\",\"dateCreated\":\"01 Jan 2013\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":87.9916,\"valueReference\":\"as of 11 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"1237 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.49\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":2.53},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":5.67},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":5.1},{\"@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 FundGrowth-Instant Gain-Direct Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b987.9916 as of 11 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The 1-year return is 2.53%, the 3-year return is 5.67% and the 5-year return is 5.1%.\"}},{\"@type\":\"Question\",\"name\":\"How has the fund performed versus the benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has done better than the benchmark over 1 month, 3 months and 1 year, but it trails the benchmark over 3 years and 5 years. That makes the recent stretch stronger than the longer-term relative picture.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with peer gilt funds on returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its 1-year, 3-year and 5-year returns are below the stronger peer figures available, especially on the shorter horizon. The longer horizons are closer to some peers, but the recent gap remains noticeable.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b91,000.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and what is the exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Bhupesh Bameta. There is no exit load.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Aditya Birla SL Gilt FundGrowth-Instant Gain-Direct Plan is a medium-risk gilt fund with a \u20b987.9916 NAV as of 11 Sep 2026 and \u20b91,237 Cr AUM. Its 1-year, 3-year and 5-year returns are 2.53%, 5.67% and 5.1%, with a portfolio concentrated in long-dated Government of India securities.<\/p>\n","protected":false},"author":38,"featured_media":247138,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-224343","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["247138"],"rank_math_title":["Aditya Birla SL Gilt Review 2026: NAV &amp; Returns"],"rank_math_description":["Aditya Birla SL Gilt FundGrowth-Instant Gain-Direct Plan NAV is \u20b987.9916; 1Y return is 2.53% and 5Y return is 5.1%."],"rank_math_focus_keyword":["Aditya Birla SL Gilt FundGrowth-Instant Gain-Direct Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/Aditya_Birla_SL_Gilt_FundGrowth_Instant_Gain_Direct_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/224343","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=224343"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/224343\/revisions"}],"predecessor-version":[{"id":247139,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/224343\/revisions\/247139"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/247138"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=224343"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=224343"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=224343"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}