Bajaj Finserv Gilt Fund: Your First Debt Investment Guide
By Market Desk
New to mutual funds? Explore the Bajaj Finserv Gilt Fund(G)-Direct Plan: a medium-risk debt fund with key details, performance, and tax info.
Thinking about investing in mutual funds, especially as you start earning? The Bajaj Finserv Gilt Fund(G)-Direct Plan is a medium-risk debt fund that launched on January 15, 2025, and currently manages ₹25 Crore in assets.
This Direct Growth plan, classified as a Debt fund, has no lock-in period or exit load, making it flexible for new investors. Its performance is benchmarked against the Nifty 50, providing a clear reference point for its returns. As of August 6, 2026, its Net Asset Value (NAV) stood at ₹1076.28.
For those considering a Systematic Investment Plan (SIP), this fund shows a compelling example. A monthly contribution of ₹8,000 over three years would have grown your total investment of ₹2,88,000 to ₹3,06,011, reflecting a +6.25% return.
Key Fund Details
- Assets Under Management (AUM): ₹25 Crore
- Net Asset Value (NAV) on August 6, 2026: ₹1076.28
- Expense Ratio: 0.39%
- 1-Year Annualized Return: +3.90%
- Daily Return: +0.05%
Where Your Investment Goes
The fund primarily allocates its assets to government-backed securities, ensuring a specific risk profile. This focus means your money is largely invested in instruments issued by the Government of India. You’ll find its holdings include Government of India bonds maturing in 2040 and 2065.
- Government Securities: 73.01%
- Treasury Bills: 16.74%
- Cash & Cash Equivalents and Net Assets: 10.25%
These investments are carefully managed by a team including Siddharth Chaudhary, Nimesh Chandan, and Sourish Chatterjee. Understanding who manages your money can add an extra layer of confidence as you begin your investment journey.
Understanding the Tax Impact
When you decide to redeem your investments, the tax rules depend on how long you’ve held them. It’s crucial to understand these details to plan your finances effectively as a new earner. Knowing the tax implications helps you make informed decisions.
- Within one year: Returns are added to your income and taxed according to your individual Income Tax slab.
- After more than one year: A tax rate of 12.5% applies to your gains from redemption.
These tax rules highlight the importance of considering your investment horizon before you put your money in. Always factor in how long you plan to stay invested when evaluating potential returns and tax liabilities.