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Long Term Debt Funds | Best Long Term Debt Funds - Fincash.com

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Long Term Debt Funds- When Should You Invest?

Updated on July 9, 2020 , 605 views

Long term debt funds are a type of Debt Mutual Funds that invest in corporate Bonds and government securities (g-secs) that have a long-term maturity period. The average maturity of these funds is in excess of 3 years, most of the times. That is why, these funds are suitable for investors who wish to make a mid to long term Investment plan i.e., typically for 3-5 years or even more. Let's understand how long term debt funds works and what are the best long term bonds funds to invest in 2020.

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Long Term Debt Funds- A Plan for Long Term Investment

Long term debt funds invest their major underlying asset in debt instruments like corporate debentures, bonds and money market instruments & government securities with a higher maturity period. Investors should invest in long term debt funds if they have an investment time frame of more than 3 years. Also, this fund is only suitable for investors who are willing to take some level of risk in the investment.

long-term-debt-funds

Long term debt funds are sensitive to changes in the interest rate and are more volatile than other categories of debt funds. Interest rates and prices of the debt instruments have an inverse relationship, which means that they move in opposite directions. For instance, a falling interest rate is good for debt funds or bond funds. Long term income funds usually benefit when the interest rates are moving downwards. Moreover, during interest rate falls, the bond prices go up and this boost NAVs of the Debt fund schemes.

In a falling interest rate scenario, the average maturities of such bonds can go up to around 7-10 years. When the interest rates rise, they stock up lower tenured securities and keep the portfolio’s average maturity low.

Mostly, it is advisable to invest in long term bond funds when the interest rates are expected to ease down because a decrease in the interest rates causes a rise in the prices of long-term securities. Investors who are comfortable with fluctuating interest rates in the market, should only prefer Investing in long term debt funds.

Returns and Risk

These funds are meant to give returns in excess of bank fixed deposits. Furthermore, if held for more than three years, the returns are more tax efficient. But, on the risk side, these funds can get volatile when the interest rates suddenly change direction. In a sustained rising interest rate regime, these funds give modest returns as they cannot sell long-dated bonds and switch to shorter tenured scripts.

Long Term Debt Funds Taxation

Tax implication on debt funds is computed in the following manner-

Short Term Capital Gains

If the holding period of a debt investment is less than 36 months, then it is classified as a short-term investment and these are taxed as per individual's tax slab.

Long Term Capital Gains

If the holding period of debt investment is more than 36 months, then it is classified as a long-term investment and is taxed at 20% with an indexation benefit.

Capital Gains Investment Holding Gains Taxation
Short Term Capital Gains Less than 36 months As per individual's tax slab
Long Term Capital Gains More than 36 months 20% with indexation benefits

How to Invest in Long Term Bond Funds?

Investors can invest in two ways— SIP or Lump sum. For average investors, SIP (Systematic Investment Plan) is the most viable option. It gives you a systematic option of investing monthly/quarterly/annually basis. In a lump sum, investors have to invest a considerable amount as a one-time down payment in the scheme. The minimum investment amount for a lump sum is INR 5000, whereas for a SIP it is INR 500.

Best Long Term Bond Funds to Invest in 2020

FundNAVNet Assets (Cr)Min InvestmentMin SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)2019 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
IDFC Government Securities Fund - Investment Plan Growth ₹27.3029
↑ 0.08
₹858 5,000 1,000 8.211.614.41013.36.48%6Y 10M 2D9Y 7M 17D
L&T Triple Ace Bond Fund Growth ₹55.9987
↑ 0.23
₹3,314 10,000 1,000 9.29.913.71012.67.26%5Y 4M 10D7Y 9M
DSP BlackRock Government Securities Fund Growth ₹72.1771
↑ 0.15
₹1,036 1,000 500 7.410.513.79.412.56.41%6Y 7M 2D9Y 5M 16D
ICICI Prudential Gilt Fund Growth ₹76.331
↑ 0.18
₹1,988 5,000 1,000 8.210.613.58.510.80%
Sundaram Corporate Bond Fund Growth ₹30.3281
↑ 0.03
₹1,050 5,000 250 6.17.513.18.511.36.48%2Y 7M 7D2Y 10M 16D
SBI Magnum Gilt Fund Growth ₹49.4627
↑ 0.10
₹2,433 5,000 500 7.19.612.68.813.10%
HDFC Corporate Bond Fund Growth ₹24.1812
↑ 0.06
₹14,518 5,000 500 6.88.212.49.210.36.91%2Y 10M 2D3Y 9M 11D
Aditya Birla Sun Life Corporate Bond Fund Growth ₹82.9363
↑ 0.14
₹17,648 1,000 100 6.7812.49.29.60%
Nippon India Gilt Securities Fund Growth ₹29.9028
↑ 0.08
₹1,250 5,000 100 79.712.49.512.46.19%6Y 7M 2D9Y 5M 19D
IDFC Corporate Bond Fund Growth ₹14.6078
↑ 0.02
₹14,084 5,000 1,000 7.28.212.38.58.56.81%3Y 1M 10D3Y 8M 26D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Jul 20

1. IDFC Government Securities Fund - Investment Plan

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 CAGR/Annualized return of 9% since its launch.  Ranked 14 in Government Bond category.  Return for 2019 was 13.3% , 2018 was 7.8% and 2017 was 3.1% .

Below is the key information for IDFC Government Securities Fund - Investment Plan

IDFC Government Securities Fund - Investment Plan
Growth
Launch Date 3 Dec 08
NAV (10 Jul 20) ₹27.3029 ↑ 0.08   (0.29 %)
Net Assets (Cr) ₹858 on 30 Apr 20
Category Debt - Government Bond
AMC IDFC Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.05
Sharpe Ratio 3.4
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.48%
Effective Maturity 9 Years 7 Months 17 Days
Modified Duration 6 Years 10 Months 2 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 15₹10,000
30 Jun 16₹10,890
30 Jun 17₹12,464
30 Jun 18₹12,308
30 Jun 19₹14,198
30 Jun 20₹16,418

IDFC Government Securities Fund - Investment Plan SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹212,284.
Net Profit of ₹32,284
Invest Now

Returns for IDFC Government Securities Fund - Investment Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jul 20

DurationReturns
1 Month 2%
3 Month 8.2%
6 Month 11.6%
1 Year 14.4%
3 Year 10%
5 Year 10.5%
10 Year
15 Year
Since launch 9%
Historical performance (Yearly) on absolute basis
YearReturns
2019 13.3%
2018 7.8%
2017 3.1%
2016 13.9%
2015 6%
2014 16.5%
2013 6.3%
2012 13%
2011 9.9%
2010 4%
Fund Manager information for IDFC Government Securities Fund - Investment Plan
NameSinceTenure
Suyash Choudhary15 Oct 109.72 Yr.

Data below for IDFC Government Securities Fund - Investment Plan as on 30 Apr 20

Asset Allocation
Asset ClassValue
Cash1.36%
Debt98.64%
Debt Sector Allocation
SectorValue
Government98.64%
Cash Equivalent1.36%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.68% Govt Stock 2031
Sovereign Bonds | -
28%₹300 Cr28,900,000
↓ -800,000
6.79% Govt Stock 2027
Sovereign Bonds | -
25%₹271 Cr25,800,000
↑ 25,800,000
6.97% Govt Stock 2026
Sovereign Bonds | -
23%₹244 Cr22,900,000
↑ 22,900,000
GOVT STOCK
Sovereign Bonds | -
13%₹135 Cr13,100,000
↑ 13,100,000
GOVT STOCK
Sovereign Bonds | -
10%₹101 Cr9,400,000
↑ 9,400,000
Net Current Assets
Net Current Assets | -
1%₹10 Cr
Triparty Repo
CBLO/Reverse Repo | -
0%₹3 Cr
Cash Margin - Ccil
CBLO/Reverse Repo | -
0%₹1 Cr
7.17% Govt Stock 2028
Sovereign Bonds | -
0%₹0 Cr6,300

2. L&T Triple Ace Bond Fund

To generate regular and stable income for the unitholders of the Scheme. The corpus of the scheme would be invested primarily in debt market securities such as nonconvertible debentures, bonds issued by corporates, bank and government, commercial paper, certificate of deposits and other money market instruments. The scheme would invest predominantly in securities rated by the Credit Rating and Information Services of India Limited (CRISIL), or any other rating agency.

L&T Triple Ace Bond Fund is a Debt - Corporate Bond fund was launched on 9 Jun 97. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.7% since its launch.  Ranked 39 in Corporate Bond category.  Return for 2019 was 12.6% , 2018 was 6% and 2017 was 1.6% .

Below is the key information for L&T Triple Ace Bond Fund

L&T Triple Ace Bond Fund
Growth
Launch Date 9 Jun 97
NAV (10 Jul 20) ₹55.9987 ↑ 0.23   (0.41 %)
Net Assets (Cr) ₹3,314 on 30 Apr 20
Category Debt - Corporate Bond
AMC L&T Investment Management Ltd
Rating
Risk Moderate
Expense Ratio 0.66
Sharpe Ratio 2.72
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.26%
Effective Maturity 7 Years 9 Months
Modified Duration 5 Years 4 Months 10 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 15₹10,000
30 Jun 16₹10,854
30 Jun 17₹11,581
30 Jun 18₹11,933
30 Jun 19₹13,327
30 Jun 20₹15,258

L&T Triple Ace Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148
Invest Now

Returns for L&T Triple Ace Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jul 20

DurationReturns
1 Month 2.6%
3 Month 9.2%
6 Month 9.9%
1 Year 13.7%
3 Year 10%
5 Year 9%
10 Year
15 Year
Since launch 7.7%
Historical performance (Yearly) on absolute basis
YearReturns
2019 12.6%
2018 6%
2017 1.6%
2016 12.4%
2015 4.5%
2014 12.6%
2013 3.9%
2012 10.2%
2011 6.5%
2010 3.7%
Fund Manager information for L&T Triple Ace Bond Fund
NameSinceTenure
Shriram Ramanathan30 Jun 146.01 Yr.
Jalpan Shah3 Apr 173.25 Yr.

Data below for L&T Triple Ace Bond Fund as on 30 Apr 20

Asset Allocation
Asset ClassValue
Cash10.26%
Debt89.74%
Debt Sector Allocation
SectorValue
Government69.73%
Corporate20.01%
Cash Equivalent10.26%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Limited
Debentures | -
7%₹270 Cr2,450
Export-Import Bank Of India
Debentures | -
6%₹221 Cr2,100
(A) Tri Party Repo Dealing System (Treps)/Reverse Repo
CBLO/Reverse Repo | -
5%₹203 Cr
NTPC LIMITED
Debentures | -
5%₹188 Cr1,800
(B) Net Receivables/(Payables)
Net Current Assets | -
5%₹178 Cr
7.26% Govt Stock 2029
Sovereign Bonds | -
4%₹161 Cr15,000,000
↑ 15,000,000
National Highways Authority Of India
Debentures | -
4%₹158 Cr1,450
↓ -08
NTPC Limited
Debentures | -
4%₹158 Cr1,430
↑ 600
HOUSING DEVELOPMENT FINANCE CORPORATION LIMITED
Debentures | -
4%₹141 Cr1,300
Export-Import Bank Of India
Debentures | -
3%₹123 Cr1,150

3. DSP BlackRock Government Securities Fund

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 CAGR/Annualized return of 10% since its launch.  Ranked 9 in Government Bond category.  Return for 2019 was 12.5% , 2018 was 7.4% and 2017 was 1.4% .

Below is the key information for DSP BlackRock Government Securities Fund

DSP BlackRock Government Securities Fund
Growth
Launch Date 30 Sep 99
NAV (10 Jul 20) ₹72.1771 ↑ 0.15   (0.20 %)
Net Assets (Cr) ₹1,036 on 30 Apr 20
Category Debt - Government Bond
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk Moderate
Expense Ratio 1.37
Sharpe Ratio 3.35
Information Ratio 4.51
Alpha Ratio 8.52
Min Investment 1,000
Min SIP Investment 500
Exit Load 0-7 Days (0.1%),7 Days and above(NIL)
Yield to Maturity 6.41%
Effective Maturity 9 Years 5 Months 16 Days
Modified Duration 6 Years 7 Months 2 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 15₹10,000
30 Jun 16₹10,928
30 Jun 17₹12,397
30 Jun 18₹12,327
30 Jun 19₹14,009
30 Jun 20₹16,101

DSP BlackRock Government Securities Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹212,284.
Net Profit of ₹32,284
Invest Now

Returns for DSP BlackRock Government Securities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jul 20

DurationReturns
1 Month 1.2%
3 Month 7.4%
6 Month 10.5%
1 Year 13.7%
3 Year 9.4%
5 Year 10%
10 Year
15 Year
Since launch 10%
Historical performance (Yearly) on absolute basis
YearReturns
2019 12.5%
2018 7.4%
2017 1.4%
2016 15.3%
2015 6.2%
2014 15%
2013 1.3%
2012 9%
2011 3.6%
2010 5%
Fund Manager information for DSP BlackRock Government Securities Fund
NameSinceTenure
Vikram Chopra17 Jul 163.96 Yr.
Saurabh Bhatia1 Mar 182.33 Yr.

Data below for DSP BlackRock Government Securities Fund as on 30 Apr 20

Asset Allocation
Asset ClassValue
Cash3.88%
Debt96.12%
Debt Sector Allocation
SectorValue
Government96.12%
Cash Equivalent3.88%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.26% Govt Stock 2029
Sovereign Bonds | -
43%₹507 Cr45,950,000
↑ 10,000,000
GOVT STOCK
Sovereign Bonds | -
31%₹367 Cr32,000,000
↑ 500,000
7.95% Govt Stock 2032
Sovereign Bonds | -
10%₹121 Cr10,500,000
↑ 10,500,000
6.68% Govt Stock 2031
Sovereign Bonds | -
9%₹105 Cr10,000,000
↑ 500,000
Treps / Reverse Repo Investments / Corporate Debt Repo
CBLO/Reverse Repo | -
7%₹79 Cr
Net Receivables/Payables
Net Current Assets | -
3%-₹36 Cr
7.06% Govt Stock 2046
Sovereign Bonds | -
2%₹27 Cr2,500,000
↑ 2,500,000
Cash Margin
Net Current Assets | -
0%₹2 Cr

4. ICICI Prudential Gilt Fund

(Erstwhile ICICI Prudential Long Term Gilt Fund)

To generate income through investment in Gilts of various maturities.

ICICI Prudential Gilt Fund is a Debt - Government Bond fund was launched on 19 Aug 99. It is a fund with Moderate risk and has given a CAGR/Annualized return of 10.2% since its launch.  Ranked 5 in Government Bond category.  Return for 2019 was 10.8% , 2018 was 6.8% and 2017 was 2.1% .

Below is the key information for ICICI Prudential Gilt Fund

ICICI Prudential Gilt Fund
Growth
Launch Date 19 Aug 99
NAV (10 Jul 20) ₹76.331 ↑ 0.18   (0.24 %)
Net Assets (Cr) ₹1,988 on 30 Apr 20
Category Debt - Government Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.92
Sharpe Ratio 3.12
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 0%
Effective Maturity
Modified Duration

Growth of 10,000 investment over the years.

DateValue
30 Jun 15₹10,000
30 Jun 16₹11,141
30 Jun 17₹12,804
30 Jun 18₹12,779
30 Jun 19₹14,185
30 Jun 20₹16,226

ICICI Prudential Gilt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹212,284.
Net Profit of ₹32,284
Invest Now

Returns for ICICI Prudential Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jul 20

DurationReturns
1 Month 1.3%
3 Month 8.2%
6 Month 10.6%
1 Year 13.5%
3 Year 8.5%
5 Year 10.2%
10 Year
15 Year
Since launch 10.2%
Historical performance (Yearly) on absolute basis
YearReturns
2019 10.8%
2018 6.8%
2017 2.1%
2016 18.2%
2015 5.5%
2014 18%
2013 0.3%
2012 11%
2011 5.9%
2010 5.3%
Fund Manager information for ICICI Prudential Gilt Fund
NameSinceTenure
Rahul Goswami27 Sep 127.76 Yr.
Anuj Tagra30 Oct 136.67 Yr.

Data below for ICICI Prudential Gilt Fund as on 30 Apr 20

Asset Allocation
Asset ClassValue
Cash3.4%
Debt96.6%
Debt Sector Allocation
SectorValue
Government96.6%
Cash Equivalent3.4%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
GOVT STOCK
Sovereign Bonds | -
40%₹1,136 Cr102,200,000
↓ -5,000,000
GOVT STOCK
Sovereign Bonds | -
18%₹513 Cr49,700,000
↑ 48,300,000
GOVT STOCK
Sovereign Bonds | -
14%₹407 Cr37,500,000
↑ 10,000,000
6.19% Govt Stock 2034
Sovereign Bonds | -
10%₹286 Cr28,500,000
↑ 28,500,000
7.16% Govt Stock 2050
Sovereign Bonds | -
6%₹172 Cr16,000,000
↓ -2,500,000
5.79% Govt Stock 2030
Sovereign Bonds | -
3%₹100 Cr10,000,000
↑ 10,000,000
07.95 JK SDL 2030
Sovereign Bonds | -
2%₹72 Cr6,500,000
08.31 RJ SDL 2027
Sovereign Bonds | -
2%₹66 Cr6,000,000
Treps
CBLO/Reverse Repo | -
2%₹63 Cr
Net Current Assets
Net Current Assets | -
1%₹34 Cr

5. Sundaram Corporate Bond Fund

(Erstwhile Sundaram Flexible Fund-Flexible Income Plan)

To generate reasonable returns by creating a portfolio comprising substantially of fixed income instruments and money market instruments by keeping the interest rate risk of the fund low.

Sundaram Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 30 Dec 04. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.4% since its launch.  Ranked 15 in Corporate Bond category.  Return for 2019 was 11.3% , 2018 was 4.8% and 2017 was 5.4% .

Below is the key information for Sundaram Corporate Bond Fund

Sundaram Corporate Bond Fund
Growth
Launch Date 30 Dec 04
NAV (10 Jul 20) ₹30.3281 ↑ 0.03   (0.11 %)
Net Assets (Cr) ₹1,050 on 30 Apr 20
Category Debt - Corporate Bond
AMC Sundaram Asset Management Company Ltd
Rating
Risk Moderately Low
Expense Ratio 0.87
Sharpe Ratio 3.98
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 250
Exit Load NIL
Yield to Maturity 6.48%
Effective Maturity 2 Years 10 Months 16 Days
Modified Duration 2 Years 7 Months 7 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 15₹10,000
30 Jun 16₹10,975
30 Jun 17₹12,166
30 Jun 18₹12,411
30 Jun 19₹13,657
30 Jun 20₹15,449

Sundaram Corporate Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹209,201.
Net Profit of ₹29,201
Invest Now

Returns for Sundaram Corporate Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jul 20

DurationReturns
1 Month 2.4%
3 Month 6.1%
6 Month 7.5%
1 Year 13.1%
3 Year 8.5%
5 Year 9.2%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2019 11.3%
2018 4.8%
2017 5.4%
2016 11.7%
2015 8.7%
2014 14.9%
2013 -0.3%
2012 8.7%
2011 5.7%
2010 4.3%
Fund Manager information for Sundaram Corporate Bond Fund
NameSinceTenure
Dwijendra Srivastava1 Jun 128.09 Yr.
Sandeep Agarwal1 Jun 128.09 Yr.

Data below for Sundaram Corporate Bond Fund as on 30 Apr 20

Asset Allocation
Asset ClassValue
Cash1.37%
Debt98.63%
Debt Sector Allocation
SectorValue
Government60.37%
Corporate38.27%
Cash Equivalent1.37%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
8.42% TN SDL 2023
Sovereign Bonds | -
5%₹55 Cr5,000,000
HOUSING DEVELOPMENT FINANCE CORPORATION LIMITED
Debentures | -
4%₹44 Cr400
Reliance Industries Limited
Debentures | -
4%₹41 Cr400
LIC HOUSING FINANCE LIMITED
Debentures | -
4%₹38 Cr350
National Bank For Agriculture And Rural Development
Debentures | -
3%₹36 Cr350
↑ 350
Rural Electrification Corporation Limited
Debentures | -
3%₹36 Cr350
Indian Railway Finance Corporation Limited
Debentures | -
3%₹36 Cr350
LIC Housing Finance Limited
Debentures | -
3%₹32 Cr300
National Bank For Agriculture And Rural Development
Debentures | -
3%₹31 Cr300
↑ 250
Housing And Urban Development Corporation Limited (Hudco)
Debentures | -
3%₹31 Cr300
↑ 100

6. SBI Magnum Gilt Fund

(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 CAGR/Annualized return of 8.5% since its launch.  Ranked 3 in Government Bond category.  Return for 2019 was 13.1% , 2018 was 5.1% and 2017 was 3.9% .

Below is the key information for SBI Magnum Gilt Fund

SBI Magnum Gilt Fund
Growth
Launch Date 30 Dec 00
NAV (10 Jul 20) ₹49.4627 ↑ 0.10   (0.21 %)
Net Assets (Cr) ₹2,433 on 30 Apr 20
Category Debt - Government Bond
AMC SBI Funds Management Private Limited
Rating
Risk Moderate
Expense Ratio 1.07
Sharpe Ratio 3.28
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 0%
Effective Maturity
Modified Duration

Growth of 10,000 investment over the years.

DateValue
30 Jun 15₹10,000
30 Jun 16₹10,944
30 Jun 17₹12,754
30 Jun 18₹12,623
30 Jun 19₹14,304
30 Jun 20₹16,271

SBI Magnum Gilt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹212,284.
Net Profit of ₹32,284
Invest Now

Returns for SBI Magnum Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jul 20

DurationReturns
1 Month 1.1%
3 Month 7.1%
6 Month 9.6%
1 Year 12.6%
3 Year 8.8%
5 Year 10.2%
10 Year
15 Year
Since launch 8.5%
Historical performance (Yearly) on absolute basis
YearReturns
2019 13.1%
2018 5.1%
2017 3.9%
2016 16.3%
2015 7.3%
2014 19.9%
2013 6.4%
2012 11%
2011 5.8%
2010 4.7%
Fund Manager information for SBI Magnum Gilt Fund
NameSinceTenure
Dinesh Ahuja1 Feb 119.42 Yr.

Data below for SBI Magnum Gilt Fund as on 30 Apr 20

Asset Allocation
Asset ClassValue
Cash2.51%
Debt97.49%
Debt Sector Allocation
SectorValue
Government97.49%
Cash Equivalent2.51%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
GOVT STOCK
Sovereign Bonds | -
45%₹1,240 Cr111,500,000
↑ 26,000,000
7.26% Govt Stock 2029
Sovereign Bonds | -
22%₹613 Cr57,000,000
↓ -6,000,000
7.16% Govt Stock 2050
Sovereign Bonds | -
11%₹314 Cr29,200,000
↑ 5,200,000
7.17% Govt Stock 2028
Sovereign Bonds | -
11%₹293 Cr27,500,000
↓ -5,000,000
6.79% Govt Stock 2029
Sovereign Bonds | -
5%₹125 Cr12,000,000
Treps
CBLO/Reverse Repo | -
2%₹58 Cr
8.24% Govt Stock 2033
Sovereign Bonds | -
2%₹52 Cr4,500,000
5.79% Govt Stock 2030
Sovereign Bonds | -
1%₹34 Cr3,393,030
↑ 3,393,030
Net Receivable / Payable
CBLO | -
0%₹11 Cr
GOVT STOCK
Sovereign Bonds | -
0%₹10 Cr1,000,000
↑ 603,190

7. HDFC Corporate Bond Fund

(Erstwhile HDFC Medium Term Opportunities Fund)

To generate regular income through investments in Debt/ Money Market Instruments and Government Securities with maturities not exceeding 60 months.

HDFC Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 29 Jun 10. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 9.2% since its launch.  Ranked 2 in Corporate Bond category.  Return for 2019 was 10.3% , 2018 was 6.5% and 2017 was 6.5% .

Below is the key information for HDFC Corporate Bond Fund

HDFC Corporate Bond Fund
Growth
Launch Date 29 Jun 10
NAV (10 Jul 20) ₹24.1812 ↑ 0.06   (0.26 %)
Net Assets (Cr) ₹14,518 on 30 Apr 20
Category Debt - Corporate Bond
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.44
Sharpe Ratio 3.92
Information Ratio -0.14
Alpha Ratio 1.13
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.91%
Effective Maturity 3 Years 9 Months 11 Days
Modified Duration 2 Years 10 Months 2 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 15₹10,000
30 Jun 16₹10,903
30 Jun 17₹11,968
30 Jun 18₹12,514
30 Jun 19₹13,763
30 Jun 20₹15,460

HDFC Corporate Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹209,201.
Net Profit of ₹29,201
Invest Now

Returns for HDFC Corporate Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jul 20

DurationReturns
1 Month 2.7%
3 Month 6.8%
6 Month 8.2%
1 Year 12.4%
3 Year 9.2%
5 Year 9.3%
10 Year
15 Year
Since launch 9.2%
Historical performance (Yearly) on absolute basis
YearReturns
2019 10.3%
2018 6.5%
2017 6.5%
2016 10.6%
2015 8.6%
2014 10.9%
2013 7.6%
2012 10.5%
2011 8.7%
2010
Fund Manager information for HDFC Corporate Bond Fund
NameSinceTenure
Anupam Joshi27 Oct 154.68 Yr.
Chirag Dagli31 Jul 190.92 Yr.

Data below for HDFC Corporate Bond Fund as on 30 Apr 20

Asset Allocation
Asset ClassValue
Cash11.03%
Debt88.97%
Debt Sector Allocation
SectorValue
Corporate57.33%
Government36.71%
Cash Equivalent5.76%
Securitized0.2%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.59% Govt Stock 2026
Sovereign Bonds | -
5%₹762 Cr70,000,000
↑ 20,000,000
6.79% Govt Stock 2027
Sovereign Bonds | -
5%₹734 Cr70,000,000
↓ -5,000,000
State Bank Of India
Debentures | -
4%₹694 Cr6,500
Reliance Industries Limited
Debentures | -
3%₹551 Cr5,000
LIC HOUSING FINANCE LIMITED
Debentures | -
3%₹530 Cr5,000
Housing Development Finance Corporation Limited
Debentures | -
3%₹506 Cr5,000
↑ 5,000
Export-Import Bank Of India
Certificate of Deposit | -
3%₹430 Cr50,000
↑ 50,000
Housing Development Finance Corporation Limited
Debentures | -
3%₹429 Cr4,143
6.97% Govt Stock 2026
Sovereign Bonds | -
3%₹425 Cr40,000,000
↓ -7,500,000
LIC Housing Finance Limited
Debentures | -
3%₹420 Cr4,000

8. Aditya Birla Sun Life Corporate Bond Fund

(Erstwhile Aditya Birla Sun Life Short Term Fund)

An Open-ended income scheme with the objective to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market securities.

Aditya Birla Sun Life Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 3 Mar 97. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 9.5% since its launch.  Ranked 1 in Corporate Bond category.  Return for 2019 was 9.6% , 2018 was 7% and 2017 was 6.5% .

Below is the key information for Aditya Birla Sun Life Corporate Bond Fund

Aditya Birla Sun Life Corporate Bond Fund
Growth
Launch Date 3 Mar 97
NAV (10 Jul 20) ₹82.9363 ↑ 0.14   (0.17 %)
Net Assets (Cr) ₹17,648 on 30 Apr 20
Category Debt - Corporate Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.39
Sharpe Ratio 5.52
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 0%
Effective Maturity
Modified Duration

Growth of 10,000 investment over the years.

DateValue
30 Jun 15₹10,000
30 Jun 16₹10,932
30 Jun 17₹11,951
30 Jun 18₹12,555
30 Jun 19₹13,769
30 Jun 20₹15,436

Aditya Birla Sun Life Corporate Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹209,201.
Net Profit of ₹29,201
Invest Now

Returns for Aditya Birla Sun Life Corporate Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jul 20

DurationReturns
1 Month 2.6%
3 Month 6.7%
6 Month 8%
1 Year 12.4%
3 Year 9.2%
5 Year 9.2%
10 Year
15 Year
Since launch 9.5%
Historical performance (Yearly) on absolute basis
YearReturns
2019 9.6%
2018 7%
2017 6.5%
2016 10.2%
2015 8.9%
2014 10.9%
2013 8.4%
2012 10.6%
2011 9.5%
2010 3.8%
Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund
NameSinceTenure
Maneesh Dangi1 Apr 173.25 Yr.
Kaustubh Gupta1 Apr 173.25 Yr.

Data below for Aditya Birla Sun Life Corporate Bond Fund as on 30 Apr 20

Asset Allocation
Asset ClassValue
Cash2.69%
Debt97.31%
Debt Sector Allocation
SectorValue
Corporate51.44%
Government45.5%
Cash Equivalent2.69%
Securitized0.37%
Credit Quality
RatingValue
AA1.61%
AAA98.39%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
GOVT STOCK
Sovereign Bonds | -
5%₹920 Cr82,747,600
↓ -8,500,000
GOVT STOCK
Sovereign Bonds | -
5%₹897 Cr87,000,000
↑ 10,500,000
Reliance Industries Limited
Debentures | -
3%₹499 Cr4,900
↑ 1,050
National Bank For Agriculture And Rural Development
Debentures | -
3%₹485 Cr4,700
MAHINDRA & MAHINDRA FINANCIAL SERVICES LIMITED
Debentures | -
3%₹454 Cr4,450
Reliance Industries Limited
Debentures | -
2%₹422 Cr4,081
↑ 1,250
Larsen And Toubro Limited
Debentures | -
2%₹416 Cr4,050
↑ 2,050
Power Finance Corporation Ltd.
Debentures | -
2%₹413 Cr4,050
Rural Electrification Corporation Limited
Debentures | -
2%₹406 Cr4,000
Housing Development Finance Corporation Limited
Debentures | -
2%₹403 Cr4,000
↑ 4,000

9. Nippon India Gilt Securities Fund

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 CAGR/Annualized return of 9.6% since its launch.  Ranked 2 in Government Bond category.  Return for 2019 was 12.4% , 2018 was 8% and 2017 was 3.4% .

Below is the key information for Nippon India Gilt Securities Fund

Nippon India Gilt Securities Fund
Growth
Launch Date 22 Aug 08
NAV (10 Jul 20) ₹29.9028 ↑ 0.08   (0.26 %)
Net Assets (Cr) ₹1,250 on 30 Apr 20
Category Debt - Government Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderate
Expense Ratio 1.61
Sharpe Ratio 3.13
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 6.19%
Effective Maturity 9 Years 5 Months 19 Days
Modified Duration 6 Years 7 Months 2 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 15₹10,000
30 Jun 16₹11,049
30 Jun 17₹12,741
30 Jun 18₹12,744
30 Jun 19₹14,610
30 Jun 20₹16,582

Nippon India Gilt Securities Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹212,284.
Net Profit of ₹32,284
Invest Now

Returns for Nippon India Gilt Securities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jul 20

DurationReturns
1 Month 1.6%
3 Month 7%
6 Month 9.7%
1 Year 12.4%
3 Year 9.5%
5 Year 10.7%
10 Year
15 Year
Since launch 9.6%
Historical performance (Yearly) on absolute basis
YearReturns
2019 12.4%
2018 8%
2017 3.4%
2016 17%
2015 6.2%
2014 18.6%
2013 3.3%
2012 13%
2011 4.7%
2010 3.2%
Fund Manager information for Nippon India Gilt Securities Fund
NameSinceTenure
Prashant Pimple30 Mar 0911.26 Yr.
Kinjal Desai16 Jul 181.96 Yr.

Data below for Nippon India Gilt Securities Fund as on 30 Apr 20

Asset Allocation
Asset ClassValue
Cash4.71%
Debt95.29%
Debt Sector Allocation
SectorValue
Government95.29%
Cash Equivalent4.71%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.26% Govt Stock 2029
Sovereign Bonds | -
26%₹366 Cr34,000,000
↑ 2,500,000
GOVT STOCK
Sovereign Bonds | -
22%₹306 Cr27,500,000
↓ -3,500,000
GOVT STOCK
Sovereign Bonds | -
15%₹205 Cr19,000,000
↑ 9,000,000
7.17% Govt Stock 2028
Sovereign Bonds | -
14%₹197 Cr18,500,000
↓ -13,000,000
8.13% Govt Stock 2045
Sovereign Bonds | -
7%₹100 Cr8,500,000
↑ 8,500,000
7.61% Govt Stock 2030
Sovereign Bonds | -
4%₹55 Cr5,000,000
7.88% GS 2030
Sovereign Bonds | -
3%₹39 Cr3,500,000
Triparty Repo
CBLO/Reverse Repo | -
3%₹37 Cr
8.17% Govt Stock 2044
Sovereign Bonds | -
2%₹29 Cr2,500,000
↑ 2,500,000
Net Current Assets
Net Current Assets | -
2%₹28 Cr

10. IDFC Corporate Bond Fund

The Fund seeks to provide steady income and capital appreciation by investing primarily in corporate debt securities across maturities and ratings. There is no assurance or guarantee that the objectives of the scheme will be realised.

IDFC Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 12 Jan 16. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.8% since its launch.  Return for 2019 was 8.5% , 2018 was 6.3% and 2017 was 6.2% .

Below is the key information for IDFC Corporate Bond Fund

IDFC Corporate Bond Fund
Growth
Launch Date 12 Jan 16
NAV (10 Jul 20) ₹14.6078 ↑ 0.02   (0.16 %)
Net Assets (Cr) ₹14,084 on 30 Apr 20
Category Debt - Corporate Bond
AMC IDFC Asset Management Company Limited
Rating Not Rated
Risk Moderate
Expense Ratio 0.54
Sharpe Ratio 5.84
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.81%
Effective Maturity 3 Years 8 Months 26 Days
Modified Duration 3 Years 1 Month 10 Days

Growth of 10,000 investment over the years.

DateValue
30 Jun 16₹10,366
30 Jun 17₹11,355
30 Jun 18₹11,886
30 Jun 19₹12,913
30 Jun 20₹14,390

IDFC Corporate Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148
Invest Now

Returns for IDFC Corporate Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 10 Jul 20

DurationReturns
1 Month 3%
3 Month 7.2%
6 Month 8.2%
1 Year 12.3%
3 Year 8.5%
5 Year
10 Year
15 Year
Since launch 8.8%
Historical performance (Yearly) on absolute basis
YearReturns
2019 8.5%
2018 6.3%
2017 6.2%
2016
2015
2014
2013
2012
2011
2010
Fund Manager information for IDFC Corporate Bond Fund
NameSinceTenure
Anurag Mittal12 Jan 164.47 Yr.

Data below for IDFC Corporate Bond Fund as on 30 Apr 20

Asset Allocation
Asset ClassValue
Cash3.35%
Debt96.65%
Debt Sector Allocation
SectorValue
Corporate58.59%
Government37.81%
Cash Equivalent3.57%
Securitized0.04%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Reliance Industries Limited
Debentures | -
8%₹1,230 Cr121,500,000
↑ 121,500,000
National Housing Bank
Debentures | -
7%₹1,116 Cr107,000,000
Rec Limited
Debentures | -
5%₹787 Cr80,000,000
National Bank For Agriculture And Rural Development
Debentures | -
5%₹773 Cr75,000,000
Housing Development Finance Corporation Limited
Debentures | -
5%₹749 Cr73,500,000
Larsen And Toubro Limited
Debentures | -
5%₹710 Cr70,000,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹487 Cr47,020,000
Housing Development Finance Corporation Limited
Debentures | -
3%₹426 Cr42,000,000
↑ 9,500,000
LIC Housing Finance Limited
Debentures | -
2%₹352 Cr33,600,000
↑ 2,500,000
Net Current Assets
Net Current Assets | -
2%₹350 Cr

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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