HDFC Gilt Fund vs Bandhan Gilt Fund
Updated June 2026 · both Gilt funds · metrics from AMFI NAVs
In short: Bandhan Gilt Fund has the higher 3-year return (+7.44%); HDFC Gilt Fund has the lower expense ratio (0.46%); Bandhan Gilt Fund has the better risk-adjusted return (Sharpe -0.29). This is analysis from past data, not a recommendation.
| Metric | HDFC Gilt Fund | Bandhan Gilt Fund |
|---|---|---|
| 1Y return | +1.86% | +4.91% |
| 3Y CAGR | +6.36% | +7.44% |
| 5Y CAGR | +5.47% | +6.16% |
| Sharpe ratio | -0.60 | -0.29 |
| Max drawdown | -3.0% | -4.1% |
| Volatility | 2.8% | 3.5% |
| Alpha | -0.43% | +0.63% |
| Expense ratio (Direct) | 0.46% | 0.56% |
| AUM | ₹2.7K Cr | ₹2.0K Cr |
Winner on each row highlighted (lower is better for expense ratio and volatility; max drawdown closer to zero is better). Computed from AMFI NAVs - see methodology. No paid placement.
FAQ
Which has the lower expense ratio?
HDFC Gilt Fund has the lower Direct-plan expense ratio (0.46%), versus 0.56% for the other. Over long horizons a lower TER compounds into a meaningful difference.
Which has performed better over 3 years?
Bandhan Gilt Fund has the higher 3-year CAGR (+7.44%). Past performance does not predict future returns - check volatility and drawdown too, shown above.
How are these figures calculated?
All returns, risk metrics and alpha are computed independently from AMFI daily NAVs using a disclosed methodology. FindMF takes no commission and this comparison is not a recommendation.