{"id":232081,"date":"2026-09-04T16:17:04","date_gmt":"2026-09-04T10:47:04","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/dsp-gilt-fund-direct-growth-review-2026\/"},"modified":"2026-09-04T16:17:04","modified_gmt":"2026-09-04T10:47:04","slug":"dsp-gilt-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/dsp-gilt-fund-direct-growth-review-2026\/","title":{"rendered":"DSP Gilt Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/dsp-gilt-fund-g-direct-plan\">DSP Gilt Fund Direct Growth Plan<\/a> has a current NAV of \u20b9105.7873 as of 03 Sep 2026 and a scheme AUM of \u20b91,259 Cr. Its 1-year, 3-year and 5-year returns are 4.61%, 6.71% and 6.03%, and the scheme sits in the Medium Risk category.<\/p>\n<p>Our view is that this is a relatively steady gilt fund for investors who want debt exposure with sovereign-leaning portfolio characteristics rather than equity-style upside. The recent return pattern is softer than its 3-year track, while the portfolio remains heavily tilted to government securities, which may appeal to conservative investors with a longer holding horizon.<\/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\/dsp-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\/dsp-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\/dsp-gilt-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_DSP_Gilt\" title=\"Should you BUY or HOLD DSP Gilt?\">Should you BUY or HOLD DSP 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\/dsp-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\/dsp-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\/dsp-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\/dsp-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\/dsp-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\/dsp-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\/dsp-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\/dsp-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>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b9105.7873 as of 03 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b91,259 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.57%<\/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>\u20b9100<\/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 after holding period<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Shantanu Godambe, Sandeep Yadav<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Shantanu Godambe and Sandeep Yadav.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 03 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>-0.04%<\/td>\n<td>-3.01%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>3.19%<\/td>\n<td>1.95%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>4.61%<\/td>\n<td>-4.4%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>6.71%<\/td>\n<td>5.74%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>6.03%<\/td>\n<td>6.27%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund has held up better than the benchmark over the 1-year period, but the comparison is less comfortable over the longer stretch. The 3-year return is ahead of the benchmark, while the 5-year return trails it slightly, which tells us the recent stretch has not been uniformly stronger than the full cycle.<\/p>\n<p>The short-term pattern looks somewhat uneven. The 1-month figure is close to flat, yet the 3-month return improved meaningfully, suggesting a moderate recovery phase rather than a straight-line move. That kind of behaviour is typical for a gilt fund, where returns can shift with interest-rate expectations and bond-price moves.<\/p>\n<p>Over 3 years, the fund has produced a steadier compounding path than the benchmark. Over 5 years, the lead has narrowed and the benchmark has edged ahead, so our read is that the fund has been more competitive in the medium term than in the full five-year window. That makes the recent 1-year reading relevant: it is not weak in absolute terms, but it does not fully reinforce the stronger 3-year picture.<\/p>\n<p>For investors, the key point is that this is not an aggressive return profile. The numbers suggest moderate, rate-sensitive debt performance with some resilience versus the benchmark in shorter windows and a more balanced outcome over longer horizons.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 03 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_DSP_Gilt\"><\/span>Should you BUY or HOLD DSP 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 DSP 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\/dsp-gilt-fund-g-direct-plan\">DSP Gilt Fund Direct Growth Plan<\/a><\/td>\n<td>4.61%<\/td>\n<td>6.71%<\/td>\n<td>6.03%<\/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>8.62%<\/td>\n<td>7.96%<\/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>6.95%<\/td>\n<td>6.58%<\/td>\n<td>5.43%<\/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>6.01%<\/td>\n<td>6.68%<\/td>\n<td>5.73%<\/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>5.88%<\/td>\n<td>7.78%<\/td>\n<td>5.88%<\/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>5.57%<\/td>\n<td>7.26%<\/td>\n<td>6.68%<\/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>Against the peer set, the fund\u2019s 1-year return is lower than every peer shown here. The gap is widest versus the stronger recent performers, while the 3-year figure is more competitive and sits close to the middle of the available range.<\/p>\n<p>On the 5-year measure, the fund is ahead of some peers but behind others, which means the longer view is mixed rather than uniformly strong or weak. The short-term story and the longer-term story are not the same: recent momentum has been softer, but the medium-term track is still respectable.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 03 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>7.24% GOI 18082055<\/td>\n<td>Government Securities<\/td>\n<td>26.35%<\/td>\n<\/tr>\n<tr>\n<td>6.90% GOI 15042065<\/td>\n<td>Government Securities<\/td>\n<td>25.97%<\/td>\n<\/tr>\n<tr>\n<td>7.71% GOI 18052066<\/td>\n<td>Government Securities<\/td>\n<td>16.83%<\/td>\n<\/tr>\n<tr>\n<td>7.12% Maharashtra SDL 16072047<\/td>\n<td>Government Securities<\/td>\n<td>7.16%<\/td>\n<\/tr>\n<tr>\n<td>7.48% Uttar Pradesh SDL 22032042<\/td>\n<td>Government Securities<\/td>\n<td>6.83%<\/td>\n<\/tr>\n<tr>\n<td>7.66% Maharashtra SDL 04032047<\/td>\n<td>Government Securities<\/td>\n<td>6.15%<\/td>\n<\/tr>\n<tr>\n<td>7.91% Maharashtra SDL 08042039<\/td>\n<td>Government Securities<\/td>\n<td>4.18%<\/td>\n<\/tr>\n<tr>\n<td>7.19% GOI 15092060<\/td>\n<td>Government Securities<\/td>\n<td>3.51%<\/td>\n<\/tr>\n<tr>\n<td>7.33% Madhya Pradesh SDL 19012042<\/td>\n<td>Government Securities<\/td>\n<td>1.16%<\/td>\n<\/tr>\n<tr>\n<td>Net Receivables\/Payables<\/td>\n<td>Cash &amp; Cash Equivalents and Net Assets<\/td>\n<td>1.11%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The largest holding is 7.24% GOI 18082055 at 26.35%, which is large enough to have a clear influence on the portfolio\u2019s behaviour. The next two positions are also sizeable, so the fund does not rely on a single isolated bond.<\/p>\n<p>Weight then steps down fairly quickly: from 26.35% at the top to 1.11% at the tenth holding. That gap suggests the portfolio is front-loaded toward a few core securities, with several smaller positions acting as supporting exposures rather than equal contributors.<\/p>\n<p>The top 10 holdings account for approximately 99.25% of the portfolio, and the table covers 10 disclosed holdings out of 11 in total. That leaves only a modest tail outside the visible list, so the disclosed portfolio appears quite concentrated in government securities and closely tied to interest-rate moves in those instruments.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/dsp-gilt-fund-g-direct-plan\">DSP Gilt Fund Direct Growth Plan<\/a> page<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 03 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 who are comfortable with medium risk and who want a debt-oriented allocation rather than equity-style growth. The 1-year return is softer than the 3-year figure, while the 5-year return is close to the benchmark, so a longer horizon is more appropriate than a short trading-style view.<\/p>\n<p>The main trade-off is that a gilt fund can offer comparatively steadier sovereign-linked exposure, but its returns can still move with interest-rate conditions. The portfolio\u2019s heavy government-security tilt supports that profile, so investors who value consistency and bond-market exposure may find it more relevant than those seeking higher upside.<\/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>Exit load: No exit load after the holding period.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 03 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<p><strong>What is the current NAV of DSP Gilt Fund Direct Growth Plan?<\/strong><br \/>Its current NAV is \u20b9105.7873 as of 03 Sep 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 4.61%, 6.71% and 6.03%.<\/p>\n<p><strong>How does the fund compare with its benchmark?<\/strong><br \/>It has outpaced the benchmark over 1 year and 3 years, but it is slightly behind over 5 years. That makes the longer-term picture more mixed than the shorter-term one.<\/p>\n<p><strong>How does it compare with peer gilt funds?<\/strong><br \/>Its 1-year return trails the peer examples shown here, while its 3-year and 5-year figures are more balanced relative to the group. The recent gap is larger than the longer-horizon gap.<\/p>\n<p><strong>What is the minimum SIP amount?<\/strong><br \/>The minimum SIP amount is not listed here.<\/p>\n<p><strong>Who manages the fund and what is the exit load?<\/strong><br \/>Shantanu Godambe and Sandeep Yadav manage the fund. The exit load is described as no exit load after the holding period.<\/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>DSP Gilt Fund Direct Growth Plan has a mixed but workable return profile: the recent 1-year figure is softer than the 3-year result, while the 5-year outcome sits close to the benchmark. Against peers, the short-term reading is weaker, but the medium- and longer-term comparisons are more even. The fund\u2019s appeal lies in its government-securities tilt and its comparatively steady debt-oriented character, which may suit investors looking for a longer-horizon gilt allocation rather than fast gains.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 4 September 2026 at 4:16 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\":\"DSP Gilt Fund Direct Growth Plan\",\"identifier\":\"dsp-gilt-fund-g-direct-plan\",\"category\":\"Debt\",\"dateCreated\":\"01 Jan 2013\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":105.7873,\"valueReference\":\"as of 03 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"1259 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.57\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":4.61},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":6.71},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":6.03},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Shantanu Godambe, Sandeep Yadav\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of DSP Gilt Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its current NAV is \u20b9105.7873 as of 03 Sep 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 4.61%, 6.71% and 6.03%.\"}},{\"@type\":\"Question\",\"name\":\"How does the fund compare with its benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has outpaced the benchmark over 1 year and 3 years, but it is slightly behind over 5 years. That makes the longer-term picture more mixed than the shorter-term one.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with peer gilt funds?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its 1-year return trails the peer examples shown here, while its 3-year and 5-year figures are more balanced relative to the group. The recent gap is larger than the longer-horizon gap.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is not listed here.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and what is the exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Shantanu Godambe and Sandeep Yadav manage the fund. The exit load is described as no exit load after the holding period.\"}}]}<\/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>DSP Gilt Fund Direct Growth Plan has a current NAV of \u20b9105.7873 as of 03 Sep 2026, with 1-year, 3-year and 5-year returns of 4.61%, 6.71% and 6.03%.<\/p>\n","protected":false},"author":29,"featured_media":232080,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-232081","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["232080"],"rank_math_title":["DSP Gilt Fund Direct Growth Review 2026"],"rank_math_description":["DSP Gilt Fund Direct Growth Plan review: NAV \u20b9105.7873, 1Y return 4.61%, 3Y 6.71%, 5Y 6.03% as of 03 Sep 2026."],"rank_math_focus_keyword":["DSP Gilt Fund Direct Growth 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\/DSP_Gilt_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/232081","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\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=232081"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/232081\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/232080"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=232081"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=232081"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=232081"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}