Two funds walk into a table. Only the numbers talk.
Aditya Birla Sun Life Gilt Fund vs Bandhan Gilt Fund
Pick two or three funds. We’ll tell you in plain words which grew faster, which was calmer, which costs less and what your money would have become. Figures are for the Direct plan, Growth option, where a fund has one.
- AAditya Birla Sun Life Gilt Fund
Aditya Birla Sun Life Mutual Fund- Gilt Fund
- Direct plan
- Moderate Risk
NAV ₹87.91 on 13 Nov 2026
- BBandhan Gilt Fund
Bandhan Mutual Fund- Gilt Fund
- Direct plan
- Moderate Risk
NAV ₹41.09 on 13 Nov 2026
The short version
Who comes out ahead on each measure, over the 10 years all of them have been around.
Grew faster
BBandhan Gilt Fund
Bandhan Gilt Fund returned 7.6% a year over 10 years, against 6.7% for Aditya Birla Sun Life Gilt Fund. ₹1 lakh invested 10 years ago would be about ₹2.08 Lakh today, against ₹1.9 Lakh.
Fell less in a crash
BBandhan Gilt Fund
At its worst, Bandhan Gilt Fund fell 4.3% from its peak, against 5.9% for Aditya Birla Sun Life Gilt Fund. On ₹1 lakh, that's a dip to ₹94,109 at the bottom for Aditya Birla Sun Life Gilt Fund. Could you have held on?
Costs less
AAditya Birla Sun Life Gilt Fund
Aditya Birla Sun Life Gilt Fund charges 0.49% a year, against 0.55% for Bandhan Gilt Fund. On ₹1 lakh that's ₹490 a year against ₹550, taken quietly from the NAV.
What your money would have become
The same amount, put into each fund on the same day.
The dashed line is the ₹10,000 you put in. Above it is profit, below it is loss.
- AAditya Birla Sun Life Gilt Fund₹12,733 from ₹10,000(5% a year)
- BBandhan Gilt Fund₹13,639 from ₹10,000(6.4% a year)
A one-time ₹10,000 put in 5 years ago, valued at the latest NAV. This is what happened, not what will.
Strengths and watch-outs
Each fund judged against its own category, and against a 5-year SBI FD at 6.05%.
AAditya Birla Sun Life Gilt Fund
- Strength: Low cost: 0.49% a year
- Watch out: In the bottom quarter of its category over 5 years (#18 of 18)
- Watch out: Earned less than a 5-year SBI FD: 5% a year over 5 years, against 6.05%
- Watch out: Swings more than most funds in its category
- Watch out: Fell harder than its category in the worst crash
BBandhan Gilt Fund
- Strength: In the top quarter of its category over 5 years (#1 of 18)
- Watch out: Swings more than most funds in its category
All the numbers
The stronger figure in each row is marked Best. Under each return is the fund’s rank in its category and the category average.
| Measure | AAditya Birla Sun Life Gilt Fund | BBandhan Gilt Fund |
|---|---|---|
| ReturnsHow much the fund grew. Beyond a year, this is per year (annualised). | ||
| 1 yearLast 12 months, the most noisy figure | 1.7%#21 of 23 · avg 3% | 7.2%Best#1 of 23 · avg 3% |
| 3 yearsPer year, over a full market mood swing | 5.4%#20 of 21 · avg 6.2% | 8.1%Best#1 of 21 · avg 6.2% |
| 5 yearsPer year, the fairest single test | 5%#18 of 18 · avg 5.6% | 6.4%Best#1 of 18 · avg 5.6% |
| 10 yearsPer year, across bull and bear markets | 6.7%#9 of 17 · avg 6.6% | 7.6%Best#1 of 17 · avg 6.6% |
| RiskHow bumpy the ride was. This is what decides whether you stay invested. | ||
| Ups and downsVolatility: how far it swings in a typical year. Lower is calmer | 3.7%category avg 3.1% | 3.5%Bestcategory avg 3.1% |
| Worst fallThe biggest drop from a peak in 10 years. Lower is better | −5.9%category avg −4.7% | −4.3%Bestcategory avg −4.7% |
| Best 12 monthsIts strongest year | 17.8% | 19.8%Best |
| Worst 12 monthsIts weakest year | -3.9% | -1.4%Best |
| Odds of a gainShare of all 1-year holding periods that ended in profit | 95% | 97%Best |
| Cost and sizeThe fee comes out of your returns every year, whether the fund does well or not. | ||
| Expense ratioYearly fee. Lower keeps more for you | 0.49%Best | 0.55% |
| Fund sizeMoney managed (AUM). Neither better nor worse | ₹1,175 Cr | ₹1,686 Cr |
| Minimum SIPSmallest monthly amount | ₹1,000 | ₹100Best |
| Lock-inTime before you can withdraw | None | None |
“Best” is not a recommendation: a fund that returned more usually took more risk to do it.
Which one fits you?
There is no best fund, only a better fit for what you need the money to do.
AAditya Birla Sun Life Gilt Fund
Might suit you if…
- you care about keeping costs low, which adds up over decades
BBandhan Gilt Fund
Might suit you if…
- you want the stronger long-run growth and can sit through sharper falls
- a smoother ride matters more to you than the top return