DebtGilt FundDirect · Growth
Union Gilt Fund - Direct Plan - Growth Option
Union · Scheme 150407
₹12.61▼ 0.18%NAV · 2026-09-18
Average FundScore
AUM
₹87 cr
Expense ratio
0.65%
3Y CAGR
5.8%
Risk level
Low to Moderate
Min SIP
₹500
Benchmark
CRISIL Dynamic Gilt Index
Fund manager: Anindya SarkarExit load: Nil
Average · 53/100
Middle-of-the-pack — compare it against better-scored peers.
🎯 Suited to short-to-medium horizons and investors wanting stability over growth.
📈 Why it could do well
- ✓Protects capital well — worst-ever fall was only 6%.
- ✓Low volatility (4% a year) — a steady, low-drama ride.
- ✓Low cost — 0.65% expense ratio means more of the return stays with you.
- ✓Positive 3Y windows: 100% of rolling 3Y windows positive
📉 What could drag it down
- •Weak risk-adjusted returns (Sharpe -0.15) — took on risk without enough payoff.
- •3Y CAGR: +5.8%
- •3Y CAGR vs category: -1.1% vs category avg
FundScore breakdown
53/100 · Average
Returns
Weak
Consistency
Decent
Risk-adjusted
Weak
Downside protection
Excellent
Cost efficiency
Strong
Portfolio quality
Average
Each dial rates the fund 0–100 on one factor, computed from real NAV history. Fuller & greener = stronger.
SIP return calculator
Back-tested on this fund's actual historical NAVs. Past performance ≠ future returns.