Best Gilt Mutual Funds 2026
Gilt funds invest only in government securities — zero credit risk, suitable for conservative long-term investors. 138 funds available on TopFund.
10.17%
Avg 3Y CAGR
What are Gilt Mutual Funds?
Gilt mutual funds invest only in government securities — zero credit risk, suitable for conservative long-term investors. These funds are managed by professional fund managers who select stocks/bonds based on the fund's investment objective and mandate defined by SEBI.
Who should invest? Conservative investors or those with short-to-medium term goals. Gilt funds offer relatively stable returns compared to equity funds.
Top Gilt Funds by Star Rating
Kotak Gilt-Investment Regular-Payout of Income Distribution cum capital withdrawal option
Kotak Mahindra Mutual Fund · Gilt Fund
Bandhan Gilt Fund - Regular Plan - Annual IDCW
Bandhan Mutual Fund · Gilt Fund
HDFC Gilt Fund - Growth Plan
HDFC Mutual Fund · Gilt Fund
ICICI Prudential Gilt Fund - Direct Plan - IDCW
ICICI Prudential Mutual Fund · Gilt Fund
Bandhan Gilt Fund - Regular Plan - Quarterly IDCW
Bandhan Mutual Fund · Gilt Fund
Bandhan Gilt Fund - Regular Plan - IDCW
Bandhan Mutual Fund · Gilt Fund
Bandhan Gilt Fund - Regular Plan B - Periodic IDCW
Bandhan Mutual Fund · Gilt Fund
Bandhan Gilt Fund - Regular - Plan B - Half Yearly IDCW
Bandhan Mutual Fund · Gilt Fund
HDFC Gilt Fund - IDCW Plan
HDFC Mutual Fund · Gilt Fund
ICICI Prudential Gilt Fund - IDCW
ICICI Prudential Mutual Fund · Gilt Fund
Frequently Asked Questions
What are Gilt mutual funds? expand_more
Gilt mutual funds invest only in government securities — zero credit risk, suitable for conservative long-term investors.
What is the minimum investment in Gilt funds? expand_more
Most Gilt funds allow SIP starting from ₹500/month or ₹1,000 lumpsum. Some funds have lower minimums of ₹100 via SIP.
Are Gilt mutual funds safe? expand_more
Debt funds carry lower risk than equity but are not entirely risk-free — they have credit risk and interest rate risk. They are suitable for short-to-medium term goals.
How are Gilt fund returns taxed? expand_more
Debt fund gains are added to income and taxed per your income tax slab (post-2023 budget).