{"id":232212,"date":"2026-09-04T16:47:49","date_gmt":"2026-09-04T11:17:49","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/franklin-india-gilt-fund-direct-growth-review-2026\/"},"modified":"2026-09-04T16:47:49","modified_gmt":"2026-09-04T11:17:49","slug":"franklin-india-gilt-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/franklin-india-gilt-fund-direct-growth-review-2026\/","title":{"rendered":"Franklin India Gilt Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/franklin-india-gilt-fund-g-direct-plan\">Franklin India Gilt Fund Direct Growth Plan<\/a> has a current NAV of \u20b967.8519 as of 03 September 2026, with AUM of \u20b9148 Cr. Its 1-year, 3-year and 5-year returns are 6.95%, 6.58% and 5.43%, and the scheme is tagged as Medium Risk.<\/p>\n<p>Our view is that this is a conservative debt option with a steady but not standout return pattern. The portfolio is dominated by government securities and cash, which can suit investors who want a gilt fund rather than a credit-oriented debt fund and are comfortable with interest-rate driven movements.<\/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\/franklin-india-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\/franklin-india-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\/franklin-india-gilt-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_Franklin_India_Gilt\" title=\"Should you BUY or HOLD Franklin India Gilt?\">Should you BUY or HOLD Franklin India 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\/franklin-india-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\/franklin-india-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\/franklin-india-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\/franklin-india-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\/franklin-india-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\/franklin-india-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\/franklin-india-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\/franklin-india-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>\u20b967.8519 as of 03 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b9148 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.62%<\/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>\u20b9500<\/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>Anuj Tagra, Rahul Goswami<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Anuj Tagra and Rahul Goswami.<\/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>0.18%<\/td>\n<td>-3.01%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>2.39%<\/td>\n<td>1.95%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>6.95%<\/td>\n<td>-4.40%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>6.58%<\/td>\n<td>5.74%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>5.43%<\/td>\n<td>6.27%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The near-term pattern has been constructive. The fund has posted positive 1-month, 3-month and 1-year returns, while the benchmark has been weaker over 1 year and 1 month. That tells us the scheme has handled the recent environment better than the index, even though the 3-month gap is modest rather than dramatic.<\/p>\n<p>Over longer horizons, the picture is more mixed. The 3-year return remains stronger than the 5-year return, which suggests the recent cycle has been better than the full five-year stretch. The 5-year return is still positive at 5.43%, but it sits below the benchmark\u2019s 6.27%, so the longer compounding record is not ahead of the index.<\/p>\n<p>The return path also looks uneven rather than smooth. The fund has moved through periods of recovery and drawdown, which is typical for a gilt strategy exposed to interest-rate changes. That makes the current profile more suitable for investors who can tolerate periodic mark-to-market swings in exchange for sovereign-style debt exposure.<\/p>\n<p>On balance, the fund looks stronger on recent relative resilience than on long-run benchmark beating. We would read that as a sign of improved short-term execution, but not as evidence of persistent outperformance across the full holding period.<\/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_Franklin_India_Gilt\"><\/span>Should you BUY or HOLD Franklin India 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 Franklin India 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\/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\/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\/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. Franklin India Gilt Fund Direct Growth Plan sits below the strongest 1-year peer return in this group, but its 1-year figure is still comfortably positive. On 3-year and 5-year returns, it is mixed against the peer set: ahead of some peers on 3-year performance, yet behind the better 5-year numbers available. The short-term and long-term comparisons therefore do not tell the same story, which suggests the fund has been more uneven over time than the better-compounding peers.<\/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>7.66% Maharashtra SDL (04-Mar-2047)<\/td>\n<td>Government Securities<\/td>\n<td>20.84%<\/td>\n<\/tr>\n<tr>\n<td>Call, Cash &amp; Other Assets<\/td>\n<td>Cash &amp; Cash Equivalents and Net Assets<\/td>\n<td>17.45%<\/td>\n<\/tr>\n<tr>\n<td>7.02% Punjab SDL (01-Jul-2030)<\/td>\n<td>Government Securities<\/td>\n<td>13.49%<\/td>\n<\/tr>\n<tr>\n<td>7.73% Andhra Pradesh SDL (23-Mar-2032)<\/td>\n<td>Government Securities<\/td>\n<td>10.62%<\/td>\n<\/tr>\n<tr>\n<td>7.62% Punjab SDL (28-Jan-2033)<\/td>\n<td>Government Securities<\/td>\n<td>10.22%<\/td>\n<\/tr>\n<tr>\n<td>7.86% Haryana SDL (29-Jun-2032)<\/td>\n<td>Government Securities<\/td>\n<td>6.99%<\/td>\n<\/tr>\n<tr>\n<td>6.90% GOI 2065 (15-Apr-2065)<\/td>\n<td>Government Securities<\/td>\n<td>6.47%<\/td>\n<\/tr>\n<tr>\n<td>7.56% Himachal Pradesh SDL (08-Jul-2039)<\/td>\n<td>Government Securities<\/td>\n<td>3.71%<\/td>\n<\/tr>\n<tr>\n<td>7.17% Rajasthan SDL (02-Mar-2032)<\/td>\n<td>Government Securities<\/td>\n<td>3.45%<\/td>\n<\/tr>\n<tr>\n<td>7.56% Kerala SDL (08-Jul-2039)<\/td>\n<td>Government Securities<\/td>\n<td>3.43%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The largest holding is 7.66% Maharashtra SDL (04-Mar-2047) at 20.84%, which is a meaningful single-position weight for a gilt fund. After that, the allocation steps down in a fairly clear ladder, with cash and then several state government securities forming the next layers. By the tenth holding, the weight has fallen to 3.43%, so the portfolio is not evenly spread across the top positions.<\/p>\n<p>The top 10 disclosed holdings account for approximately 96.67% of the portfolio, and the fund discloses 11 holdings in total. That suggests the visible portfolio is quite concentrated in a small set of sovereign-style instruments, even though the tail is not absent. For investors, that means returns may be influenced more by movements in a handful of large holdings and by rate changes than by broad diversification across many issuers.<\/p>\n<p>This structure may suit an investor who wants debt exposure with high sovereign quality and is comfortable with duration and price swings. It could be less suitable for someone expecting very stable short-term capital values, because the heavy reliance on government securities can still leave the fund sensitive to interest-rate changes.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/franklin-india-gilt-fund-g-direct-plan\">Franklin India 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 fit conservative investors who still understand that gilt funds can move with interest-rate expectations. The Medium Risk tag and the government-securities-heavy portfolio point to a profile that is steadier than equity, but not free from fluctuations.<\/p>\n<p>A medium- to long-term horizon is more appropriate than a very short one. The 1-year return has been better than the benchmark, while the 5-year figure trails it, so the fund appears better suited to investors who can hold through cycles rather than those chasing a smooth month-to-month path.<\/p>\n<p>The main trade-off is between sovereign-quality debt exposure and rate sensitivity. Investors get a portfolio built around SDLs and G-Secs, but they also accept that performance can vary as the interest-rate environment changes.<\/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 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 Franklin India Gilt Fund Direct Growth Plan?<\/strong><br \/>Its NAV is \u20b967.8519 as of 03 September 2026.<\/p>\n<p><strong>What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/strong><br \/>The returns are 6.95% for 1 year, 6.58% for 3 years and 5.43% for 5 years.<\/p>\n<p><strong>How has the fund performed versus the benchmark?<\/strong><br \/>It has done better than the benchmark over 1 year and 1 month, but it is behind the benchmark over 5 years. The 3-year comparison is also favorable to the fund.<\/p>\n<p><strong>How does it compare with peer gilt funds on return data?<\/strong><br \/>Its 1-year return is below the strongest peer figure in this group, while its 3-year and 5-year results are mixed against the available peer numbers. The shorter-term and longer-term comparisons do not point in the same direction.<\/p>\n<p><strong>What is the minimum SIP amount?<\/strong><br \/>The minimum SIP amount is \u20b9500.<\/p>\n<p><strong>Who manages the fund and what is the exit load?<\/strong><br \/>The fund is managed by Anuj Tagra and Rahul Goswami. There is 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>Franklin India Gilt Fund Direct Growth Plan has been steadier in the recent period than over the full five-year stretch, with its 1-year and 3-year returns looking better than the benchmark while the 5-year figure remains lower. Against peers, the return pattern is mixed rather than consistently leading. The fund\u2019s portfolio is heavily tilted toward government securities and cash, so it is built around sovereign credit quality but still carries interest-rate sensitivity. That combination may appeal to investors who want a debt allocation with clear gilt exposure and can stay invested through rate cycles.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 4 September 2026 at 4:46 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\":\"Franklin India Gilt Fund Direct Growth Plan\",\"identifier\":\"franklin-india-gilt-fund-g-direct-plan\",\"category\":\"Debt\",\"dateCreated\":\"01 Jan 2013\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":67.8519,\"valueReference\":\"as of 03 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"148 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.62\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":6.95},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":6.58},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":5.43},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Anuj Tagra, Rahul Goswami\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of Franklin India Gilt Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its NAV is \u20b967.8519 as of 03 September 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The returns are 6.95% for 1 year, 6.58% for 3 years and 5.43% for 5 years.\"}},{\"@type\":\"Question\",\"name\":\"How has the fund performed versus the benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has done better than the benchmark over 1 year and 1 month, but it is behind the benchmark over 5 years. The 3-year comparison is also favorable to the fund.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with peer gilt funds on return data?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its 1-year return is below the strongest peer figure in this group, while its 3-year and 5-year results are mixed against the available peer numbers. The shorter-term and longer-term comparisons do not point in the same direction.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b9500.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and what is the exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Anuj Tagra and Rahul Goswami. There is 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>Franklin India Gilt Fund Direct Growth Plan has a NAV of \u20b967.8519 as of 03 September 2026, with 1Y, 3Y and 5Y returns of 6.95%, 6.58% and 5.43%.<\/p>\n","protected":false},"author":29,"featured_media":232211,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-232212","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["232211"],"rank_math_title":["Franklin India Gilt Fund Review 2026: NAV &amp; Returns"],"rank_math_description":["Franklin India Gilt Fund Direct Growth Plan NAV is \u20b967.8519 as of 03 Sep 2026; 1Y return is 6.95% and 5Y return is 5.43%."],"rank_math_focus_keyword":["Franklin India 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\/Franklin_India_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\/232212","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=232212"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/232212\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/232211"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=232212"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=232212"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=232212"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}