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Two Gilt funds side by side: returns, costs, size, risk and how much their portfolios overlap.
SBI Gilt Fund vs Kotak Gilt Fund -Investment Provident Fund and Trust, as of 9 Nov 2026: SBI Gilt Fund NAV ₹73.27, 3Y CAGR 6.6%, expense ratio 0.49%; Kotak Gilt Fund -Investment Provident Fund and Trust NAV ₹114.99, 3Y CAGR 5.8%; about 0% of their portfolios overlap.
As of · Source: AMFI NAVs and fund-house disclosures
| SBI Gilt Fund Direct Growth | Kotak Gilt Fund -Investment Provident Fund and Trust Direct Growth | |
|---|---|---|
| Category | Gilt | Gilt |
| Fund house | SBI Mutual Fund | Kotak Mahindra Mutual Fund |
| Plan | Direct Plan · Growth | Direct Plan · Investment Provident Fund and Trust-Growth |
| NAV | ₹73.27 (9 Nov 2026) | ₹114.99 (9 Nov 2026) |
| 1Y return | 4.0% | 3.6% |
| 3Y CAGR | 6.6% | 5.8% |
| 5Y CAGR | 6.3% | 5.5% |
| Since launch (CAGR) | 8.7% | 7.7% |
| Expense ratio | 0.49% | — |
| AUM | ₹8,034 cr | ₹2,166 cr |
| Risk-o-meter | Moderate | Moderate |
| Benchmark | Nifty All Duration G-Sec Index | Nifty All Duration G-Sec Index |
| Minimum SIP | ₹500 | — |
| Holdings | 5 | — |
| Top 10 holdings weight | 93.9% | — |
| Portfolio overlap | About 0% by weight, from the latest disclosed holdings | |
Returns are point-to-point for each plan, after its expense ratio; periods over one year are CAGR. Past performance is not indicative of future results.
Open in the compare tool: growth charts, SIP outcomes and shared holdings →SBI Gilt Fund has the higher 5-year CAGR (as of 9 Nov 2026): SBI Gilt Fund 6.3% a year vs Kotak Gilt Fund -Investment Provident Fund and Trust 5.5% a year. Past performance is not indicative of future results.
SBI Gilt Fund is larger: SBI Gilt Fund manages ₹8,034 cr and Kotak Gilt Fund -Investment Provident Fund and Trust ₹2,166 cr (as of 9 Nov 2026).
About 0% of their portfolios overlap by weight (the smaller weight of each common holding, summed), from the latest disclosed holdings.
Both are rated "Moderate" on SEBI's risk-o-meter.
We don't give recommendations. Jivani Markets is not a SEBI-registered investment adviser or research analyst. Whether a fund suits you depends on your goals, horizon and risk appetite; speak to a SEBI-registered investment adviser or an AMFI-registered mutual fund distributor before investing.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future results.
Returns are for Direct plans, after expenses (TER is already in the NAV). Research, not advice: we do not say a fund suits you. Disclaimer