Which has the lower expense ratio, SBI GILT FUND - DIRECT PLAN - GROWTH or UTI - GILT FUND - Discontinued PF Plan Prescribed Date Auto Redemption Option?

SBI GILT FUND - DIRECT PLAN - GROWTH's expense ratio is 0.5% versus UTI - GILT FUND - Discontinued PF Plan Prescribed Date Auto Redemption Option's 0.47%. A lower expense ratio directly improves your net returns over the long term, all else being equal.

Can I invest in both SBI GILT FUND - DIRECT PLAN - GROWTH and UTI - GILT FUND - Discontinued PF Plan Prescribed Date Auto Redemption Option?

Yes, but check for portfolio overlap first if both funds are in the same category — holding two funds with very similar underlying stocks reduces the diversification benefit of investing in more than one fund.

SBI GILT FUND - DIRECT PLAN - GROWTH vs UTI - GILT FUND - Discontinued PF Plan Prescribed Date Auto Redemption Option

Q: SBI GILT FUND - DIRECT PLAN - GROWTH vs UTI - GILT FUND - Discontinued PF Plan Prescribed Date Auto Redemption Option — which has given better returns?

SBI GILT FUND - DIRECT PLAN - GROWTH has a 1-year return of 3.33% versus UTI - GILT FUND - Discontinued PF Plan Prescribed Date Auto Redemption Option's 2.96%. Compare NAV, expense ratio and star rating above before deciding, and check consistency over 3-5 years rather than a single year.

Side-by-side comparison of NAV, returns, expense ratio and star rating.

SBI GILT FUND - DIRECT PLAN - GROWTH

SBI Mutual Fund

★★★★★

Debt · Gilt

UTI - GILT FUND - Discontinued PF Plan Prescribed Date Auto Redemption Option

UTI Mutual Fund

★★★★★

Debt · Gilt

Metric	SBI GILT FUND - DIRECT...	UTI - GILT FUND - Disc...
NAV	₹72.7	₹67.39
Star Rating	★★★★	★★★★
Expense Ratio	0.5%	0.47%
AUM	₹8,215 Cr	₹414 Cr
1M Return	+0.05%	-0.88%
3M Return	-0.25%	-1.33%
6M Return	+3.73%	+0.24%
1Y Return	+3.33%	+2.96%
3Y CAGR	+6.55%	+6.37%
5Y CAGR	+6.21%	+5.43%
Risk Level	—	—
Fund Manager	Dinesh Ahuja	Amandeep Chopra

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