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Product scoring may vary based on gender, age, policy tenure and sum assured.
Gender
Male
Age Group
The lowest age in the selected range is considered for price evaluation (e.g., 25 - 29)
30 - 34
Sum Assured
₹ 1Cr
Debt • Gilt • CRISIL Dynamic Gilt Index
PGIM India Gilt Fund(G)-Direct Plan
1 Finance Rank:
24
241 Finance Score:
69100
Yield To Maturity Score
57
Quality & Diversification Score
100
Standard Deviation Score
63
Modified Duration Score
90
AUM Score
23
Historical Performance score
76
1 Finance Research updated as on March 2026 1 Finance Scores reflect a holistic assessment of fund performance, risk, and costs.
AUM
₹ 95 CrNAV
₹ —()Expense Ratio
0.60%(As on 31-May-2026)Investment Horizon
7 to 10 years
24
Debt • Gilt • CRISIL Dynamic Gilt Index
PGIM India Gilt Fund(G)-Direct Plan
This fund ranks 24th out of 31 funds in its category.
AUM₹ 95 Cr
NAV₹ —()
Expense Ratio0.60%(As on 31-May-2026)
Investment Horizon7 to 10 years
1 Finance Score: 69/100
Yield To Maturity Score
57
Quality & Diversification Score
100
Standard Deviation Score
63
Modified Duration Score
90
AUM Score
23
Historical Performance score
76
Fundamental Ratios
Modified Duration
6.93 yearsAverage Maturity
13.43 yearsYield To Maturity
6.93%Standard Deviation
0.17%Portfolio summary
Asset Allocation
Debt
Others
83.76%
16.24%
Credit Rating
SOV
83.76%
Others
16.24%
Top Holdings
| Holding Names | Assets (%) |
|---|---|
| 07.24% GOI - 18-Aug-2055 | 17.61% |
| 06.68% GOI - 07-Jul-2040 | 14.69% |
| Clearing Corporation Of India Ltd. | 14.26% |
| 06.48% GOI 06-Oct-2035 | 13.28% |
| 06.79% GOI - 07-Oct-2034 | 9.55% |
*Portfolio summary is updated on April 2026.
*A strong-looking portfolio on paper may still clash with your needs. Make sure to align it with your needs and time horizon.
Peer comparison
| Fund List | 1 F score | Fund Size | Expense Ratio |
|---|
*1F Score is updated quarterly, expense ratio was updated on May 2026. CAGR is updated daily.
Pros and Cons
Pros
Ability to significantly outperform benchmark returns.
Great track record of generating high returns by managing the portfolio dynamically.
Relatively low modified duration indicates lower sensitivity to interest rate changes, suggesting lower risk.
Cons
There is a possibility of lower returns as the fund maintains a low Yield to Maturity (YTM).
Low AUM may result in limited portfolio diversification.
Should you invest?
Invest if you are :
- Investors with a high risk tolerance who want to invest in government securities for 7 to 10 years should consider this fund.
- Advised to buy when interest rates in the economy are expected to fall.
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Taxation
If bought before April 1, 2023
- Less than or equal to 24 months: Short-Term Capital Gains (STCG) are taxed as per your applicable income tax slab.
- More than 24 months: Long-Term Capital Gains (LTCG) are taxed at 12.5% on gains.
If bought after April 1, 2023
- Taxed at applicable slab rates.
Scheme Details
Scheme Objective
- To seek to generate reasonable returns by investing in Central/State Government securities of various maturities. However, there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee/indicate any returns.
Exit Load
- Nil
Minimum investment amount
Lumpsum
₹ 5000 (open for subscription)
Other details
Founded In2013
Email Addresscare@pgimindia.co.in
| Fund Manager Name | Total Exp. (Years) | No. of Funds Managed |
|---|---|---|
| Puneet Pal | 17.3 | 8 |
About PGIM India MF
- PGIM India Mutual Fund is the Indian arm of PGIM, the global investment management business of US-based Prudential Financial Ltd. It provides a broad range of investment capabilities through specialized teams focusing on various asset classes.
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Frequently Asked Questions
Are debt funds risk-free?
No, debt funds aren’t entirely risk-free. They may be less volatile than equities, but carry risks like changing interest rates, credit, liquidity, concentration, and prepayment. Hence, as an investor, it is crucial you personalise your portfolio based on your financial personality, which includes your risk comfort and time horizon of your financial goals.
Is a higher yield-to-maturity (YTM) always better?
Not necessarily in every case. A higher yield-to-maturity (YTM) often implies a bond having lower credit ratings, possessing higher default risk. You must weigh YTM against your portfolio quality and your time horizon.
What’s best for an emergency fund?
An emergency fund requires saving 3-6 months of expenses, meaning planning for short-term goals. While debt funds like overnight or liquid funds are usually the preferred options due to their strong liquidity benefits, it is imperative for you to choose a fund that aligns with your financial personality.
Who can invest in debt funds?
Debt funds are suitable for investors who prefer easy liquidity, want low-risk investments, or aim for capital preservation.
Are debt funds better than equity funds?
A mutual fund scheme is designed with a specific purpose. Equity funds are for capital appreciation, while debt funds focus on capital preservation. It depends entirely on your personal finance goals, risk tolerance, and investment horizon. Choosing between debt and equity funds must align with what you want to achieve financially.
Disclaimer
The Information in the scoring and ranking model is provided solely for general information and educational purposes and shall not constitute any advice or recommendation. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not an indicator of future returns.
Don't chase past returns.
Build a portfolio for the future
Our Advisory Includes
- Portfolio diversification
- Mutual fund tax harvesting
- Fund overlap check & more