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দীর্ঘমেয়াদী ঋণ তহবিল- আপনার কখন বিনিয়োগ করা উচিত?
দীর্ঘমেয়াদী ঋণ তহবিল এক ধরনের ঋণযৌথ পুঁজি যে কর্পোরেট বিনিয়োগবন্ড এবং সরকারী সিকিউরিটিজ (g-sec) যেগুলির একটি দীর্ঘমেয়াদী পরিপক্কতার সময়কাল রয়েছে৷ এই তহবিলের গড় পরিপক্কতা 3 বছরের বেশি, বেশিরভাগ সময়। সেই কারণে, এই তহবিলগুলি বিনিয়োগকারীদের জন্য উপযুক্ত যারা মধ্য থেকে দীর্ঘমেয়াদী করতে চানবিনিয়োগ পরিকল্পনা অর্থাৎ, সাধারণত 3-5 বছর বা তারও বেশি। আসুন বুঝুন কীভাবে দীর্ঘমেয়াদী ঋণ তহবিল কাজ করে এবং 2022-এ বিনিয়োগ করার জন্য সেরা দীর্ঘমেয়াদী বন্ড তহবিলগুলি কী কী।
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দীর্ঘমেয়াদী ঋণ তহবিল- দীর্ঘমেয়াদী বিনিয়োগের জন্য একটি পরিকল্পনা
দীর্ঘমেয়াদী ঋণ তহবিল তাদের প্রধান বিনিয়োগঅন্তর্নিহিত কর্পোরেট ডিবেঞ্চার, বন্ড এবং এর মতো ঋণ উপকরণে সম্পদঅর্থ বাজার উচ্চ পরিপক্কতার মেয়াদ সহ যন্ত্রপাতি এবং সরকারী সিকিউরিটিজ। বিনিয়োগকারীদের দীর্ঘমেয়াদী ঋণ তহবিলে বিনিয়োগ করা উচিত যদি তাদের বিনিয়োগের সময়সীমা 3 বছরের বেশি থাকে। এছাড়াও, এই তহবিলটি শুধুমাত্র সেই বিনিয়োগকারীদের জন্য উপযুক্ত যারা বিনিয়োগে কিছুটা ঝুঁকি নিতে ইচ্ছুক।
দীর্ঘমেয়াদী ঋণ তহবিল সুদের হারের পরিবর্তনের জন্য সংবেদনশীল এবং ঋণ তহবিলের অন্যান্য বিভাগের চেয়ে বেশি উদ্বায়ী। ঋণ যন্ত্রের সুদের হার এবং দামের একটি বিপরীত সম্পর্ক রয়েছে, যার অর্থ হল তারা বিপরীত দিকে চলে। উদাহরণস্বরূপ, একটি পতনশীল সুদের হার ঋণ তহবিল বা বন্ড তহবিলের জন্য ভাল। দীর্ঘ মেয়াদীআয় তহবিল সাধারণত উপকৃত হয় যখন সুদের হার নিচের দিকে চলে যায়। অধিকন্তু, সুদের হার হ্রাসের সময়, বন্ডের দাম বেড়ে যায় এবং এটি বৃদ্ধি পায়এনএভি এরঋণ তহবিল স্কিম
একটি পতনশীল সুদের হারের পরিস্থিতিতে, এই ধরনের বন্ডের গড় পরিপক্কতা প্রায় 7-10 বছর পর্যন্ত যেতে পারে। যখন সুদের হার বেড়ে যায়, তখন তারা কম মেয়াদী সিকিউরিটি স্টক আপ করে এবং পোর্টফোলিওর গড় পরিপক্কতা কম রাখে।
বেশিরভাগ ক্ষেত্রে, দীর্ঘমেয়াদী বন্ড তহবিলে বিনিয়োগ করার পরামর্শ দেওয়া হয় যখন সুদের হার কমার আশা করা হয় কারণ সুদের হার হ্রাস দীর্ঘমেয়াদী সিকিউরিটিজের দাম বৃদ্ধির কারণ হয়। বিনিয়োগকারীরা যারা সুদের হার ওঠানামা করতে স্বাচ্ছন্দ্য বোধ করেনবাজার, শুধুমাত্র পছন্দ করা উচিতবিনিয়োগ দীর্ঘমেয়াদী ঋণ তহবিলে.
রিটার্ন এবং ঝুঁকি
এই তহবিল অতিরিক্ত রিটার্ন দিতে বোঝানো হয়ব্যাংক স্থায়ী আমানত তদ্ব্যতীত, যদি তিন বছরের বেশি সময় ধরে রাখা হয়, তবে রিটার্নগুলি আরও কর দক্ষ। কিন্তু, ঝুঁকির দিক থেকে, এই তহবিলগুলি অস্থির হয়ে উঠতে পারে যখন সুদের হার হঠাৎ করে দিক পরিবর্তন করে। ক্রমবর্ধমান সুদের হারের শাসনে, এই তহবিলগুলি পরিমিত রিটার্ন দেয় কারণ তারা দীর্ঘ তারিখের বন্ড বিক্রি করতে পারে না এবং ছোট মেয়াদী স্ক্রিপ্টগুলিতে স্যুইচ করতে পারে না।
দীর্ঘমেয়াদী ঋণ তহবিল কর
ঋণ তহবিলের উপর ট্যাক্সের প্রভাব নিম্নলিখিত পদ্ধতিতে গণনা করা হয়-
স্বল্পমেয়াদী মূলধন লাভ
যদি একটি ঋণ বিনিয়োগের হোল্ডিং পিরিয়ড 36 মাসের কম হয়, তাহলে এটি একটি স্বল্প-মেয়াদী বিনিয়োগ হিসাবে শ্রেণীবদ্ধ করা হয় এবং এগুলি ব্যক্তির ট্যাক্স স্ল্যাব অনুযায়ী কর দেওয়া হয়।
দীর্ঘমেয়াদী মূলধন লাভ
যদি ঋণ বিনিয়োগের হোল্ডিং পিরিয়ড 36 মাসের বেশি হয়, তবে এটি একটি দীর্ঘমেয়াদী বিনিয়োগ হিসাবে শ্রেণীবদ্ধ করা হয় এবং একটি সূচক সুবিধা সহ 20% হারে কর দেওয়া হয়।
| মূলধন লাভ | বিনিয়োগ হোল্ডিং লাভ | ট্যাক্সেশন |
|---|---|---|
| স্বল্পমেয়াদীমূলধন লাভ | 36 মাসেরও কম | ব্যক্তির ট্যাক্স স্ল্যাব অনুযায়ী |
| দীর্ঘমেয়াদী মূলধন লাভ | 36 মাসেরও বেশি | ইনডেক্সেশন সুবিধা সহ 20% |
দীর্ঘমেয়াদী বন্ড তহবিলে কীভাবে বিনিয়োগ করবেন?
বিনিয়োগকারীরা দুটি উপায়ে বিনিয়োগ করতে পারেন-চুমুক বা একক যোগফল। গড় বিনিয়োগকারীদের জন্য, SIP (সিস্টেমেটিক ইনভেস্টমেন্ট প্ল্যান) হল সবচেয়ে কার্যকর বিকল্প। এটি আপনাকে মাসিক/ত্রৈমাসিক/বার্ষিক বিনিয়োগের একটি পদ্ধতিগত বিকল্প দেয়ভিত্তি. এককভাবে, বিনিয়োগকারীদের স্কিমে এককালীন ডাউন পেমেন্ট হিসাবে যথেষ্ট পরিমাণ বিনিয়োগ করতে হবে। একটি একক পরিমাণের জন্য ন্যূনতম বিনিয়োগের পরিমাণ হল INR 5000, যেখানে একটি SIP-এর জন্য এটি INR 500৷
2022 সালে বিনিয়োগের জন্য সেরা দীর্ঘমেয়াদী বন্ড ফান্ড
Fund NAV Net Assets (Cr) Min Investment Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2023 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Axis Gilt Fund Growth ₹25.1534
↑ 0.07 ₹912 5,000 1,000 2.8 3 9.8 7.2 10 7.11% 9Y 9M 14D 22Y 9M HDFC Gilt Fund Growth ₹54.4745
↑ 0.15 ₹2,939 5,000 300 2.7 3.2 9.4 6.7 8.7 8.48% 8Y 2M 11D 16Y 7M 9D DSP BlackRock Government Securities Fund Growth ₹94.4339
↑ 0.24 ₹1,699 1,000 500 2.6 2.5 9.1 7.4 10.1 7.09% 11Y 2M 12D 28Y 11M 16D IDFC Government Securities Fund - Investment Plan Growth ₹34.9254
↑ 0.14 ₹3,570 5,000 1,000 2.8 1.9 9 6.7 10.6 7.24% 11Y 10M 17D 28Y 3M 18D SBI Magnum Gilt Fund Growth ₹65.0148
↑ 0.18 ₹11,257 5,000 500 2.7 2.6 9 7.6 8.9 7.11% 9Y 11M 1D 23Y 10M 28D Invesco India Gilt Fund Growth ₹2,799.02
↑ 8.18 ₹1,220 5,000 100 2.7 2.2 8.9 7.3 10 7.15% 10Y 11M 5D 29Y 3M 22D Aditya Birla Sun Life Government Securities Fund Growth ₹80.252
↑ 0.27 ₹1,992 1,000 1,000 2.8 2.6 8.9 6.6 9.1 7.08% 10Y 9M 25Y 11M 5D Nippon India Gilt Securities Fund Growth ₹37.5689
↑ 0.11 ₹2,126 5,000 100 2.6 2.7 8.8 6.7 8.9 7.1% 9Y 3M 22D 20Y 10M 24D UTI Gilt Fund Growth ₹61.8564
↑ 0.16 ₹644 5,000 500 2.8 3 8.8 7.2 8.9 6.99% 9Y 8M 23D 22Y 9M Edelweiss Government Securities Fund Growth ₹24.2299
↑ 0.07 ₹171 5,000 1,000 2.6 2.6 8.8 6.8 9.8 6.94% 8Y 1M 24D 18Y 3M 4D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 26 Mar 25
(Erstwhile Axis Constant Maturity 10 Year Fund) To generate returns similar to that of 10 year government bonds. Axis Gilt Fund is a Debt - Government Bond fund was launched on 23 Jan 12. It is a fund with Moderate risk and has given a Below is the key information for Axis Gilt Fund Returns up to 1 year are on (Erstwhile HDFC Gilt Fund - Long Term Plan) The scheme seeks to generate credit risk - free returns through investments in sovereign securities issued by the Central Government and / or State Governments. HDFC Gilt Fund is a Debt - Government Bond fund was launched on 25 Jul 01. It is a fund with Moderate risk and has given a Below is the key information for HDFC Gilt Fund Returns up to 1 year are on The Scheme aims to generate returns through investments in Central Govt Securities. DSP BlackRock Government Securities Fund is a Debt - Government Bond fund was launched on 30 Sep 99. It is a fund with Moderate risk and has given a Below is the key information for DSP BlackRock Government Securities Fund Returns up to 1 year are on IDFC – GSF -IP is an open ended dedicated gilt scheme with an objective to generate optimal returns with high liquidity by investing in Government Securities.However there is no assurance that the investment objective of the scheme will be realized. IDFC Government Securities Fund - Investment Plan is a Debt - Government Bond fund was launched on 3 Dec 08. It is a fund with Moderate risk and has given a Below is the key information for IDFC Government Securities Fund - Investment Plan Returns up to 1 year are on (Erstwhile SBI Magnum Gilt Fund - Long Term Plan) To provide the investors with returns generated through investments in government securities issued by the Central Government and / or a State Government SBI Magnum Gilt Fund is a Debt - Government Bond fund was launched on 30 Dec 00. It is a fund with Moderate risk and has given a Below is the key information for SBI Magnum Gilt Fund Returns up to 1 year are on The objective of the Scheme is to generate optimal returns by investing in a portfolio of securities issued and guaranteed by Central and State Government. Invesco India Gilt Fund is a Debt - Government Bond fund was launched on 9 Feb 08. It is a fund with Moderate risk and has given a Below is the key information for Invesco India Gilt Fund Returns up to 1 year are on (Erstwhile Aditya Birla Sun Life Gilt Plus Fund - PF Plan) An Open - ended government securities scheme with the objective to generate income and capital appreciation through investments exclusively in Government Securities. Aditya Birla Sun Life Government Securities Fund is a Debt - Government Bond fund was launched on 12 Oct 99. It is a fund with Moderate risk and has given a Below is the key information for Aditya Birla Sun Life Government Securities Fund Returns up to 1 year are on The primary investment objective of the scheme is to generate optimal credit risk-free returns by investing in a portfolio of securities issued and guaranteed by the Central Government and State Government. Nippon India Gilt Securities Fund is a Debt - Government Bond fund was launched on 22 Aug 08. It is a fund with Moderate risk and has given a Below is the key information for Nippon India Gilt Securities Fund Returns up to 1 year are on (Erstwhile UTI Gilt Advantage Fund- LTP) To generate credit risk-free return through investment in sovereign securities issued by the Central Government and / or a State Government and / or any security unconditionally guaranteed by the Central Government and / or a State Government for repayment of principal and interest. However there can be no assurance that the investment objective of the Scheme will be achieved. UTI Gilt Fund is a Debt - Government Bond fund was launched on 21 Jan 02. It is a fund with Moderate risk and has given a Below is the key information for UTI Gilt Fund Returns up to 1 year are on The investment objective of the Scheme is to generate income through investment in Securities of various maturities issued and/or created by the Central Government and State Governments of India. However, there can be no assurance that the investment objectives of the Scheme will be realized Edelweiss Government Securities Fund is a Debt - Government Bond fund was launched on 13 Feb 14. It is a fund with Moderate risk and has given a Below is the key information for Edelweiss Government Securities Fund Returns up to 1 year are on 1. Axis Gilt Fund
CAGR/Annualized return of 7.3% since its launch. Ranked 16 in Government Bond category. Return for 2024 was 10% , 2023 was 7.1% and 2022 was 2.4% . Axis Gilt Fund
Growth Launch Date 23 Jan 12 NAV (26 Mar 25) ₹25.1534 ↑ 0.07 (0.30 %) Net Assets (Cr) ₹912 on 28 Feb 25 Category Debt - Government Bond AMC Axis Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 0.79 Sharpe Ratio 0.36 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.11% Effective Maturity 22 Years 9 Months Modified Duration 9 Years 9 Months 14 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,896 28 Feb 22 ₹11,306 28 Feb 23 ₹11,595 29 Feb 24 ₹12,648 28 Feb 25 ₹13,644 Returns for Axis Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Mar 25 Duration Returns 1 Month 1.9% 3 Month 2.8% 6 Month 3% 1 Year 9.8% 3 Year 7.2% 5 Year 6.9% 10 Year 15 Year Since launch 7.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 10% 2022 7.1% 2021 2.4% 2020 2.4% 2019 13.1% 2018 12% 2017 5.3% 2016 1.4% 2015 13.7% 2014 6.3% Fund Manager information for Axis Gilt Fund
Name Since Tenure Devang Shah 5 Nov 12 12.33 Yr. Sachin Jain 1 Feb 23 2.08 Yr. Data below for Axis Gilt Fund as on 28 Feb 25
Asset Allocation
Asset Class Value Cash 5.3% Debt 94.7% Debt Sector Allocation
Sector Value Government 94.7% Cash Equivalent 5.3% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.09% Govt Stock 2054
Sovereign Bonds | -26% ₹236 Cr 23,500,000
↑ 8,500,000 6.79% Govt Stock 2034
Sovereign Bonds | -22% ₹206 Cr 20,500,000
↑ 13,500,000 7.34% Govt Stock 2064
Sovereign Bonds | -16% ₹145 Cr 13,993,200
↓ -21,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -11% ₹98 Cr 9,500,000
↑ 3,000,000 7.18% Govt Stock 2033
Sovereign Bonds | -6% ₹54 Cr 5,300,000 7.1% Govt Stock 2034
Sovereign Bonds | -6% ₹51 Cr 5,000,000
↑ 2,500,000 6.92% Govt Stock 2039
Sovereign Bonds | -5% ₹42 Cr 4,200,000
↓ -5,000,000 7.32% Govt Stock 2030
Sovereign Bonds | -2% ₹15 Cr 1,500,000
↑ 1,500,000 Maharashtra (Government of) 7.45%
- | -1% ₹11 Cr 1,083,700 7.46% Govt Stock 2073
Sovereign Bonds | -1% ₹5 Cr 500,000 2. HDFC Gilt Fund
CAGR/Annualized return of 7.4% since its launch. Ranked 7 in Government Bond category. Return for 2024 was 8.7% , 2023 was 7.1% and 2022 was 1.7% . HDFC Gilt Fund
Growth Launch Date 25 Jul 01 NAV (26 Mar 25) ₹54.4745 ↑ 0.15 (0.27 %) Net Assets (Cr) ₹2,939 on 28 Feb 25 Category Debt - Government Bond AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.88 Sharpe Ratio 0.35 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 8.48% Effective Maturity 16 Years 7 Months 9 Days Modified Duration 8 Years 2 Months 11 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,569 28 Feb 22 ₹11,015 28 Feb 23 ₹11,282 29 Feb 24 ₹12,213 28 Feb 25 ₹13,155 Returns for HDFC Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Mar 25 Duration Returns 1 Month 1.7% 3 Month 2.7% 6 Month 3.2% 1 Year 9.4% 3 Year 6.7% 5 Year 6.1% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.7% 2022 7.1% 2021 1.7% 2020 2.2% 2019 10.7% 2018 8.6% 2017 5.4% 2016 1.8% 2015 16.6% 2014 5.9% Fund Manager information for HDFC Gilt Fund
Name Since Tenure Anil Bamboli 1 Sep 07 17.51 Yr. Dhruv Muchhal 22 Jun 23 1.69 Yr. Data below for HDFC Gilt Fund as on 28 Feb 25
Asset Allocation
Asset Class Value Cash 2.99% Debt 97.01% Debt Sector Allocation
Sector Value Government 97.01% Cash Equivalent 2.99% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -18% ₹534 Cr 52,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -16% ₹479 Cr 46,500,000 7.34% Govt Stock 2064
Sovereign Bonds | -10% ₹288 Cr 27,870,000
↓ -500,000 6.79% Govt Stock 2034
Sovereign Bonds | -9% ₹277 Cr 27,583,400 7.26% Govt Stock 2033
Sovereign Bonds | -8% ₹247 Cr 24,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -7% ₹194 Cr 19,000,000 7.26% Govt Stock 2032
Sovereign Bonds | -6% ₹175 Cr 17,000,000 7.17% Govt Stock 2030
Sovereign Bonds | -5% ₹138 Cr 13,500,000 7.18% Govt Stock 2037
Sovereign Bonds | -4% ₹123 Cr 12,000,000 7.09% Govt Stock 2054
Sovereign Bonds | -3% ₹92 Cr 9,170,000 3. DSP BlackRock Government Securities Fund
CAGR/Annualized return of 9.2% since its launch. Ranked 9 in Government Bond category. Return for 2024 was 10.1% , 2023 was 7.1% and 2022 was 2.7% . DSP BlackRock Government Securities Fund
Growth Launch Date 30 Sep 99 NAV (26 Mar 25) ₹94.4339 ↑ 0.24 (0.26 %) Net Assets (Cr) ₹1,699 on 28 Feb 25 Category Debt - Government Bond AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk Moderate Expense Ratio 1.1 Sharpe Ratio 0 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-7 Days (0.1%),7 Days and above(NIL) Yield to Maturity 7.09% Effective Maturity 28 Years 11 Months 16 Days Modified Duration 11 Years 2 Months 12 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,785 28 Feb 22 ₹11,289 28 Feb 23 ₹11,649 29 Feb 24 ₹12,796 28 Feb 25 ₹13,682 Returns for DSP BlackRock Government Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Mar 25 Duration Returns 1 Month 2.1% 3 Month 2.6% 6 Month 2.5% 1 Year 9.1% 3 Year 7.4% 5 Year 6.9% 10 Year 15 Year Since launch 9.2% Historical performance (Yearly) on absolute basis
Year Returns 2023 10.1% 2022 7.1% 2021 2.7% 2020 3.1% 2019 13.1% 2018 12.5% 2017 7.4% 2016 1.4% 2015 15.3% 2014 6.2% Fund Manager information for DSP BlackRock Government Securities Fund
Name Since Tenure Sandeep Yadav 1 Aug 24 0.58 Yr. Shantanu Godambe 1 Jun 23 1.75 Yr. Data below for DSP BlackRock Government Securities Fund as on 28 Feb 25
Asset Allocation
Asset Class Value Cash 4.11% Debt 95.89% Debt Sector Allocation
Sector Value Government 95.89% Cash Equivalent 4.11% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -41% ₹714 Cr 67,500,000
↓ -5,500,000 7.3% Govt Stock 2053
Sovereign Bonds | -26% ₹443 Cr 42,500,000
↑ 20,500,000 7.26% Maharashtra SDL 2050
Sovereign Bonds | -6% ₹105 Cr 10,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -6% ₹103 Cr 10,000,000
↓ -30,000,000 7.14% Madhya Pradesh SDL 2043
Sovereign Bonds | -6% ₹103 Cr 10,000,000 7.09% Govt Stock 2054
Sovereign Bonds | -4% ₹75 Cr 7,500,000
↑ 7,500,000 Maharashtra (Government of) 7.14%
- | -3% ₹50 Cr 5,000,000
↑ 5,000,000 7.85% MP Sdl 2032
Sovereign Bonds | -2% ₹27 Cr 2,500,000 7.22% Maharashtra SDL 2049
Sovereign Bonds | -1% ₹16 Cr 1,500,000 6.99% Govt Stock 2051
Sovereign Bonds | -1% ₹15 Cr 1,500,000
↑ 1,500,000 4. IDFC Government Securities Fund - Investment Plan
CAGR/Annualized return of 8% since its launch. Ranked 14 in Government Bond category. Return for 2024 was 10.6% , 2023 was 6.8% and 2022 was 1.4% . IDFC Government Securities Fund - Investment Plan
Growth Launch Date 3 Dec 08 NAV (26 Mar 25) ₹34.9254 ↑ 0.14 (0.40 %) Net Assets (Cr) ₹3,570 on 15 Mar 25 Category Debt - Government Bond AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.19 Sharpe Ratio -0.1 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.24% Effective Maturity 28 Years 3 Months 18 Days Modified Duration 11 Years 10 Months 17 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,758 28 Feb 22 ₹11,325 28 Feb 23 ₹11,467 29 Feb 24 ₹12,618 28 Feb 25 ₹13,437 Returns for IDFC Government Securities Fund - Investment Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Mar 25 Duration Returns 1 Month 2.3% 3 Month 2.8% 6 Month 1.9% 1 Year 9% 3 Year 6.7% 5 Year 6.7% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2023 10.6% 2022 6.8% 2021 1.4% 2020 2.1% 2019 13.7% 2018 13.3% 2017 7.8% 2016 3.1% 2015 13.9% 2014 6% Fund Manager information for IDFC Government Securities Fund - Investment Plan
Name Since Tenure Suyash Choudhary 15 Oct 10 14.39 Yr. Brijesh Shah 10 Jun 24 0.72 Yr. Data below for IDFC Government Securities Fund - Investment Plan as on 15 Mar 25
Asset Allocation
Asset Class Value Cash 1.07% Debt 98.93% Debt Sector Allocation
Sector Value Government 98.93% Cash Equivalent 1.07% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.3% Govt Stock 2053
Sovereign Bonds | -99% ₹3,620 Cr 351,100,000
↑ 400,000 7.17% Govt Stock 2028
Sovereign Bonds | -0% ₹0 Cr 6,300 Net Current Assets
Net Current Assets | -1% ₹37 Cr Triparty Repo Trp_170225
CBLO/Reverse Repo | -0% ₹2 Cr Cash Margin - Ccil
CBLO | -0% ₹0 Cr 5. SBI Magnum Gilt Fund
CAGR/Annualized return of 8% since its launch. Ranked 3 in Government Bond category. Return for 2024 was 8.9% , 2023 was 7.6% and 2022 was 4.2% . SBI Magnum Gilt Fund
Growth Launch Date 30 Dec 00 NAV (26 Mar 25) ₹65.0148 ↑ 0.18 (0.27 %) Net Assets (Cr) ₹11,257 on 15 Mar 25 Category Debt - Government Bond AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.94 Sharpe Ratio 0.1 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.11% Effective Maturity 23 Years 10 Months 28 Days Modified Duration 9 Years 11 Months 1 Day Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,749 28 Feb 22 ₹11,202 28 Feb 23 ₹11,688 29 Feb 24 ₹12,807 28 Feb 25 ₹13,728 Returns for SBI Magnum Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Mar 25 Duration Returns 1 Month 1.8% 3 Month 2.7% 6 Month 2.6% 1 Year 9% 3 Year 7.6% 5 Year 6.9% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.9% 2022 7.6% 2021 4.2% 2020 3% 2019 11.7% 2018 13.1% 2017 5.1% 2016 3.9% 2015 16.3% 2014 7.3% Fund Manager information for SBI Magnum Gilt Fund
Name Since Tenure Rajeev Radhakrishnan 1 Nov 23 1.33 Yr. Tejas Soman 1 Dec 23 1.25 Yr. Data below for SBI Magnum Gilt Fund as on 15 Mar 25
Asset Allocation
Asset Class Value Cash 2.69% Debt 97.31% Debt Sector Allocation
Sector Value Government 97.31% Cash Equivalent 2.69% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -39% ₹4,382 Cr 423,500,000
↑ 500,000 6.79% Govt Stock 2034
Sovereign Bonds | -38% ₹4,268 Cr 424,326,400
↑ 67,500,000 7.3% Govt Stock 2053
Sovereign Bonds | -11% ₹1,201 Cr 116,500,000
↑ 8,500,000 8.83% Govt Stock 2041
Sovereign Bonds | -8% ₹949 Cr 80,000,000 7.13% State Government Of Karnataka 2041
Sovereign Bonds | -2% ₹205 Cr 20,548,600
↑ 20,548,600 7.93% Govt Stock 2033
Sovereign Bonds | -1% ₹62 Cr 6,000,000 Treps
CBLO/Reverse Repo | -2% ₹171 Cr Net Receivable / Payable
CBLO | -1% ₹134 Cr 07.13 KA Sdl 2038
Sovereign Bonds | -₹0 Cr 00
↓ -52,500,000 06.48 RJ Sdl 2027
Sovereign Bonds | -₹0 Cr 00
↓ -2,500,000 6. Invesco India Gilt Fund
CAGR/Annualized return of 6.2% since its launch. Ranked 10 in Government Bond category. Return for 2024 was 10% , 2023 was 6.6% and 2022 was 2.3% . Invesco India Gilt Fund
Growth Launch Date 9 Feb 08 NAV (26 Mar 25) ₹2,799.02 ↑ 8.18 (0.29 %) Net Assets (Cr) ₹1,220 on 28 Feb 25 Category Debt - Government Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.2 Sharpe Ratio -0.09 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.15% Effective Maturity 29 Years 3 Months 22 Days Modified Duration 10 Years 11 Months 5 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,376 28 Feb 22 ₹10,584 28 Feb 23 ₹10,941 29 Feb 24 ₹11,987 28 Feb 25 ₹12,780 Returns for Invesco India Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Mar 25 Duration Returns 1 Month 2% 3 Month 2.7% 6 Month 2.2% 1 Year 8.9% 3 Year 7.3% 5 Year 5.6% 10 Year 15 Year Since launch 6.2% Historical performance (Yearly) on absolute basis
Year Returns 2023 10% 2022 6.6% 2021 2.3% 2020 0.7% 2019 8.2% 2018 9.6% 2017 6.2% 2016 1.2% 2015 16.6% 2014 4.2% Fund Manager information for Invesco India Gilt Fund
Name Since Tenure Krishna Cheemalapati 27 Jul 21 3.6 Yr. Vikas Garg 26 Sep 20 4.43 Yr. Data below for Invesco India Gilt Fund as on 28 Feb 25
Asset Allocation
Asset Class Value Cash 5.37% Debt 94.63% Debt Sector Allocation
Sector Value Government 94.63% Cash Equivalent 5.37% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -34% ₹414 Cr 40,031,000
↓ -2,500,000 7.09% Govt Stock 2054
Sovereign Bonds | -27% ₹336 Cr 33,500,000
↓ -2,500,000 6.79% Govt Stock 2034
Sovereign Bonds | -13% ₹161 Cr 16,012,900
↓ -500,000 7.09% Govt Stock 2074
Sovereign Bonds | -9% ₹110 Cr 11,000,000
↑ 7,500,000 7.18% Govt Stock 2037
Sovereign Bonds | -4% ₹46 Cr 4,500,000 7.23% Govt Stock 2039
Sovereign Bonds | -3% ₹41 Cr 4,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -2% ₹26 Cr 2,500,000
↓ -2,500,000 6.92% Govt Stock 2039
Sovereign Bonds | -2% ₹20 Cr 2,000,000
↑ 2,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -1% ₹10 Cr 1,000,000 Triparty Repo
CBLO/Reverse Repo | -8% ₹97 Cr 7. Aditya Birla Sun Life Government Securities Fund
CAGR/Annualized return of 8.5% since its launch. Ranked 4 in Government Bond category. Return for 2024 was 9.1% , 2023 was 7.1% and 2022 was 1.7% . Aditya Birla Sun Life Government Securities Fund
Growth Launch Date 12 Oct 99 NAV (26 Mar 25) ₹80.252 ↑ 0.27 (0.34 %) Net Assets (Cr) ₹1,992 on 28 Feb 25 Category Debt - Government Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.05 Sharpe Ratio -0.14 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load 0-90 Days (0.5%),90 Days and above(NIL) Yield to Maturity 7.08% Effective Maturity 25 Years 11 Months 5 Days Modified Duration 10 Years 9 Months Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,675 28 Feb 22 ₹11,355 28 Feb 23 ₹11,553 29 Feb 24 ₹12,605 28 Feb 25 ₹13,427 Returns for Aditya Birla Sun Life Government Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Mar 25 Duration Returns 1 Month 2.1% 3 Month 2.8% 6 Month 2.6% 1 Year 8.9% 3 Year 6.6% 5 Year 6.6% 10 Year 15 Year Since launch 8.5% Historical performance (Yearly) on absolute basis
Year Returns 2023 9.1% 2022 7.1% 2021 1.7% 2020 3.6% 2019 12.1% 2018 11% 2017 6.9% 2016 4.4% 2015 16.7% 2014 5.7% Fund Manager information for Aditya Birla Sun Life Government Securities Fund
Name Since Tenure Bhupesh Bameta 6 Aug 20 4.57 Yr. Data below for Aditya Birla Sun Life Government Securities Fund as on 28 Feb 25
Asset Allocation
Asset Class Value Cash 1.17% Debt 98.83% Debt Sector Allocation
Sector Value Government 98.83% Cash Equivalent 1.17% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.3% Govt Stock 2053
Sovereign Bonds | -52% ₹1,038 Cr 100,679,750
↓ -7,500,000 7.34% Govt Stock 2064
Sovereign Bonds | -22% ₹446 Cr 43,148,800
↑ 8,850,000 7.26% Govt Stock 2033
Sovereign Bonds | -8% ₹165 Cr 16,025,000
↓ -500,000 7.18% Govt Stock 2033
Sovereign Bonds | -7% ₹144 Cr 14,000,000
↓ -8,500,000 7.18% Govt Stock 2037
Sovereign Bonds | -6% ₹118 Cr 11,500,000
↑ 11,500,000 6.76% Govt Stock 2061
Sovereign Bonds | -1% ₹29 Cr 3,000,000 7.25% Govt Stock 2063
Sovereign Bonds | -1% ₹26 Cr 2,500,000 7.09% Govt Stock 2054
Sovereign Bonds | -1% ₹20 Cr 2,040,000 7.09% Govt Stock 2074
Sovereign Bonds | -0% ₹3 Cr 285,700 5.63% Govt Stock 2026
Sovereign Bonds | -0% ₹1 Cr 65,000 8. Nippon India Gilt Securities Fund
CAGR/Annualized return of 8.3% since its launch. Ranked 2 in Government Bond category. Return for 2024 was 8.9% , 2023 was 6.7% and 2022 was 2.1% . Nippon India Gilt Securities Fund
Growth Launch Date 22 Aug 08 NAV (26 Mar 25) ₹37.5689 ↑ 0.11 (0.28 %) Net Assets (Cr) ₹2,126 on 28 Feb 25 Category Debt - Government Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.42 Sharpe Ratio 0 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-15 Days (0.25%),15 Days and above(NIL) Yield to Maturity 7.1% Effective Maturity 20 Years 10 Months 24 Days Modified Duration 9 Years 3 Months 22 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,561 28 Feb 22 ₹11,016 28 Feb 23 ₹11,279 29 Feb 24 ₹12,257 28 Feb 25 ₹13,109 Returns for Nippon India Gilt Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Mar 25 Duration Returns 1 Month 1.8% 3 Month 2.6% 6 Month 2.7% 1 Year 8.8% 3 Year 6.7% 5 Year 6.1% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.9% 2022 6.7% 2021 2.1% 2020 1.8% 2019 11.2% 2018 12.4% 2017 8% 2016 3.4% 2015 17% 2014 6.2% Fund Manager information for Nippon India Gilt Securities Fund
Name Since Tenure Pranay Sinha 31 Mar 21 3.92 Yr. Kinjal Desai 31 Oct 21 3.33 Yr. Data below for Nippon India Gilt Securities Fund as on 28 Feb 25
Asset Allocation
Asset Class Value Cash 2.52% Debt 97.48% Debt Sector Allocation
Sector Value Government 97.48% Cash Equivalent 2.52% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -17% ₹363 Cr 35,500,000
↑ 2,500,000 7.34% Govt Stock 2064
Sovereign Bonds | -14% ₹305 Cr 29,500,000 7.09% Govt Stock 2054
Sovereign Bonds | -11% ₹226 Cr 22,500,000 7.3% Govt Stock 2053
Sovereign Bonds | -10% ₹211 Cr 20,500,000 6.79% Govt Stock 2034
Sovereign Bonds | -9% ₹186 Cr 18,500,000
↑ 4,500,000 7.18% Govt Stock 2037
Sovereign Bonds | -8% ₹174 Cr 16,965,200 7.25% Govt Stock 2063
Sovereign Bonds | -7% ₹143 Cr 14,000,000 7.18% Govt Stock 2033
Sovereign Bonds | -6% ₹139 Cr 13,500,000 6.8% Govt Stock 2060
Sovereign Bonds | -3% ₹58 Cr 6,000,000 6.92% Govt Stock 2039
Sovereign Bonds | -2% ₹45 Cr 4,500,000 9. UTI Gilt Fund
CAGR/Annualized return of 8.2% since its launch. Ranked 7 in Government Bond category. Return for 2024 was 8.9% , 2023 was 6.7% and 2022 was 2.9% . UTI Gilt Fund
Growth Launch Date 21 Jan 02 NAV (26 Mar 25) ₹61.8564 ↑ 0.16 (0.26 %) Net Assets (Cr) ₹644 on 28 Feb 25 Category Debt - Government Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.92 Sharpe Ratio 0.05 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.99% Effective Maturity 22 Years 9 Months Modified Duration 9 Years 8 Months 23 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,608 28 Feb 22 ₹10,952 28 Feb 23 ₹11,375 29 Feb 24 ₹12,338 28 Feb 25 ₹13,209 Returns for UTI Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Mar 25 Duration Returns 1 Month 1.8% 3 Month 2.8% 6 Month 3% 1 Year 8.8% 3 Year 7.2% 5 Year 6.3% 10 Year 15 Year Since launch 8.2% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.9% 2022 6.7% 2021 2.9% 2020 2.3% 2019 10.3% 2018 11.8% 2017 6.3% 2016 4.3% 2015 15.5% 2014 6.1% Fund Manager information for UTI Gilt Fund
Name Since Tenure Sudhir Agarwal 1 Dec 21 3.25 Yr. Data below for UTI Gilt Fund as on 28 Feb 25
Asset Allocation
Asset Class Value Cash 2.98% Debt 97.02% Debt Sector Allocation
Sector Value Government 97.02% Cash Equivalent 2.98% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -47% ₹302 Cr 3,000,000,000
↑ 2,750,000,000 7.34% Govt Stock 2064
Sovereign Bonds | -18% ₹119 Cr 1,150,000,000 7.09% Govt Stock 2054
Sovereign Bonds | -16% ₹100 Cr 1,000,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -7% ₹46 Cr 450,000,000 7.46% Govt Stock 2073
Sovereign Bonds | -5% ₹32 Cr 300,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -4% ₹26 Cr 250,000,000 Net Current Assets
Net Current Assets | -3% ₹18 Cr Clearing Corporation Of India Ltd. Std - Margin
CBLO/Reverse Repo | -0% ₹1 Cr 00 6.92% Govt Stock 2039
Sovereign Bonds | -₹0 Cr 00
↓ -2,300,000,000 10. Edelweiss Government Securities Fund
CAGR/Annualized return of 8.3% since its launch. Ranked 18 in Government Bond category. Return for 2024 was 9.8% , 2023 was 6.2% and 2022 was 2.5% . Edelweiss Government Securities Fund
Growth Launch Date 13 Feb 14 NAV (26 Mar 25) ₹24.2299 ↑ 0.07 (0.29 %) Net Assets (Cr) ₹171 on 28 Feb 25 Category Debt - Government Bond AMC Edelweiss Asset Management Limited Rating ☆☆ Risk Moderate Expense Ratio 1.21 Sharpe Ratio 0.03 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-12 Months (1%),12 Months and above(NIL) Yield to Maturity 6.94% Effective Maturity 18 Years 3 Months 4 Days Modified Duration 8 Years 1 Month 24 Days Growth of 10,000 investment over the years.
Date Value 29 Feb 20 ₹10,000 28 Feb 21 ₹10,953 28 Feb 22 ₹11,594 28 Feb 23 ₹11,895 29 Feb 24 ₹12,964 28 Feb 25 ₹13,873 Returns for Edelweiss Government Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Mar 25 Duration Returns 1 Month 1.7% 3 Month 2.6% 6 Month 2.6% 1 Year 8.8% 3 Year 6.8% 5 Year 7.1% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 9.8% 2022 6.2% 2021 2.5% 2020 4.1% 2019 13.6% 2018 10.7% 2017 6.8% 2016 4.2% 2015 12.5% 2014 5.8% Fund Manager information for Edelweiss Government Securities Fund
Name Since Tenure Rahul Dedhia 23 Nov 21 3.27 Yr. Hetul Raval 1 Jul 24 0.67 Yr. Data below for Edelweiss Government Securities Fund as on 28 Feb 25
Asset Allocation
Asset Class Value Cash 6.04% Debt 93.96% Debt Sector Allocation
Sector Value Government 93.96% Cash Equivalent 6.04% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -38% ₹65 Cr 6,500,000
↑ 1,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -30% ₹52 Cr 5,000,000 7.34% Govt Stock 2064
Sovereign Bonds | -24% ₹41 Cr 4,000,000
↓ -1,500,000 7.23% Govt Stock 2039
Sovereign Bonds | -3% ₹5 Cr 500,000 08.38 GJ Sdl 2029
Sovereign Bonds | -0% ₹0 Cr 9,100 Clearing Corporation Of India Ltd.
CBLO/Reverse Repo | -4% ₹7 Cr Accrued Interest
CBLO | -2% ₹3 Cr Net Receivables/(Payables)
CBLO | -0% ₹0 Cr
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