fincash logo SOLUTIONS
EXPLORE FUNDS
CALCULATORS
fincash number+91-22-48913909
Long Term Debt Funds | Best Long Term Debt Funds - Fincash.com

Fincash » Mutual Funds » Long Term Debt Funds

Long Term Debt Funds- When Should You Invest?

Updated on March 22, 2023 , 8794 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 2023.

Ready to Invest?
Talk to our investment specialist
Disclaimer:
By submitting this form I authorize Fincash.com to call/SMS/email me about its products and I accept the terms of Privacy Policy and Terms & Conditions.

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 2023

FundNAVNet Assets (Cr)Min InvestmentMin SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)2022 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
ICICI Prudential Gilt Fund Growth ₹85.0375
↑ 0.03
₹2,693 5,000 1,000 1.535.76.33.77.56%1Y 7M 6D8Y 8M 19D
SBI Magnum Gilt Fund Growth ₹55.0026
↑ 0.08
₹4,301 5,000 500 1.63.75.664.27.45%6Y 4M 10D11Y 9M 11D
ICICI Prudential Corporate Bond Fund Growth ₹24.8993
↓ -0.01
₹16,998 5,000 100 1.53.25.56.84.57.98%1Y 1M 17D4Y 5M 16D
UTI Gilt Fund Growth ₹52.7494
↑ 0.06
₹517 5,000 500 1.53.355.12.97.05%3Y 8M 26D5Y 3M 18D
Nippon India Prime Debt Fund Growth ₹49.9613
↑ 0.01
₹1,702 1,000 100 1.53.54.86.54.37.92%2Y 7M 24D3Y 4M 6D
Aditya Birla Sun Life Corporate Bond Fund Growth ₹94.1193
↑ 0.02
₹12,121 1,000 100 1.53.44.67.24.18%1Y 8M 23D2Y 2M 1D
TATA Gilt Securities Fund Growth ₹65.5714
↑ 0.10
₹256 5,000 500 1.934.64.32.47.6%6Y 3M 7D9Y 7M 6D
Sundaram Corporate Bond Fund Growth ₹33.9516
↑ 0.01
₹996 5,000 250 1.63.14.36.83.77.49%2M 23D2M 30D
DSP BlackRock Government Securities Fund Growth ₹79.4213
↑ 0.10
₹430 1,000 500 1.53.24.25.62.77.39%3Y 25D5Y 2M 26D
Kotak Gilt Investment Fund - Provident Fund & Trust Plan Growth ₹83.342
↑ 0.07
₹1,699 5,000 1,000 1.63.34.25.52.48%2Y 6M 7D8Y 6M
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Mar 23

1. 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 9.5% since its launch.  Ranked 5 in Government Bond category.  Return for 2022 was 3.7% , 2021 was 3.8% and 2020 was 12.6% .

Below is the key information for ICICI Prudential Gilt Fund

ICICI Prudential Gilt Fund
Growth
Launch Date 19 Aug 99
NAV (24 Mar 23) ₹85.0375 ↑ 0.03   (0.04 %)
Net Assets (Cr) ₹2,693 on 28 Feb 23
Category Debt - Government Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.17
Sharpe Ratio -0.32
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.56%
Effective Maturity 8 Years 8 Months 19 Days
Modified Duration 1 Year 7 Months 6 Days

Growth of 10,000 investment over the years.

DateValue
28 Feb 18₹10,000
28 Feb 19₹10,883
29 Feb 20₹12,345
28 Feb 21₹13,365
28 Feb 22₹13,990
28 Feb 23₹14,664

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 ₹203,125.
Net Profit of ₹23,125
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 24 Mar 23

DurationReturns
1 Month 0.6%
3 Month 1.5%
6 Month 3%
1 Year 5.7%
3 Year 6.3%
5 Year 7.7%
10 Year
15 Year
Since launch 9.5%
Historical performance (Yearly) on absolute basis
YearReturns
2022 3.7%
2021 3.8%
2020 12.6%
2019 10.8%
2018 6.8%
2017 2.1%
2016 18.2%
2015 5.5%
2014 18%
2013 0.3%
Fund Manager information for ICICI Prudential Gilt Fund
NameSinceTenure
Rahul Goswami27 Sep 1210.35 Yr.
Anuj Tagra30 Oct 139.26 Yr.

Data below for ICICI Prudential Gilt Fund as on 28 Feb 23

Asset Allocation
Asset ClassValue
Cash11.18%
Debt88.82%
Debt Sector Allocation
SectorValue
Government88.82%
Cash Equivalent11.18%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.42 9/22/2033 12:00:00 Am
Sovereign Bonds | -
47%₹1,257 Cr126,471,700
7.26 8/22/2032 12:00:00 Am
Sovereign Bonds | -
20%₹522 Cr52,554,710
↓ -9,833,000
7.01 10/4/2028 12:00:00 Am
Sovereign Bonds | -
18%₹471 Cr47,866,299
7.69 10/30/2034 12:00:00 Am
Sovereign Bonds | -
4%₹98 Cr10,000,000
7.26% Govt Stock 2033
Sovereign Bonds | -
1%₹15 Cr1,557,300
↑ 1,557,300
8.03% GOI FCI SPL BONDS 2024
Domestic Bonds | -
0%₹3 Cr250,000
08.05 RJ Sdl 2025feb
Sovereign Bonds | -
0%₹1 Cr56,000
Treps
CBLO/Reverse Repo | -
8%₹226 Cr
Net Current Assets
Net Current Assets | -
3%₹72 Cr

2. 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% since its launch.  Ranked 3 in Government Bond category.  Return for 2022 was 4.2% , 2021 was 3% and 2020 was 11.7% .

Below is the key information for SBI Magnum Gilt Fund

SBI Magnum Gilt Fund
Growth
Launch Date 30 Dec 00
NAV (24 Mar 23) ₹55.0026 ↑ 0.08   (0.14 %)
Net Assets (Cr) ₹4,301 on 28 Feb 23
Category Debt - Government Bond
AMC SBI Funds Management Private Limited
Rating
Risk Moderate
Expense Ratio 0.94
Sharpe Ratio -0.63
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.45%
Effective Maturity 11 Years 9 Months 11 Days
Modified Duration 6 Years 4 Months 10 Days

Growth of 10,000 investment over the years.

DateValue
28 Feb 18₹10,000
28 Feb 19₹10,714
29 Feb 20₹12,427
28 Feb 21₹13,358
28 Feb 22₹13,920
28 Feb 23₹14,525

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 ₹203,125.
Net Profit of ₹23,125
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 24 Mar 23

DurationReturns
1 Month 1.2%
3 Month 1.6%
6 Month 3.7%
1 Year 5.6%
3 Year 6%
5 Year 7.8%
10 Year
15 Year
Since launch 8%
Historical performance (Yearly) on absolute basis
YearReturns
2022 4.2%
2021 3%
2020 11.7%
2019 13.1%
2018 5.1%
2017 3.9%
2016 16.3%
2015 7.3%
2014 19.9%
2013 6.4%
Fund Manager information for SBI Magnum Gilt Fund
NameSinceTenure
Dinesh Ahuja1 Feb 1112.01 Yr.

Data below for SBI Magnum Gilt Fund as on 28 Feb 23

Asset Allocation
Asset ClassValue
Cash16.52%
Debt83.48%
Debt Sector Allocation
SectorValue
Government83.48%
Cash Equivalent16.52%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.1 4/18/2029 12:00:00 Am
Sovereign Bonds | -
25%₹1,043 Cr105,500,000
↑ 105,500,000
7.4 9/19/2062 12:00:00 Am
Sovereign Bonds | -
11%₹459 Cr46,000,000
↑ 2,500,000
7.38 6/20/2027 12:00:00 Am
Sovereign Bonds | -
10%₹426 Cr42,500,000
↑ 42,500,000
7.41 12/19/2036 12:00:00 Am
Sovereign Bonds | -
10%₹420 Cr42,000,000
7.26% Govt Stock 2033
Sovereign Bonds | -
10%₹398 Cr40,000,000
↑ 40,000,000
7.26 8/22/2032 12:00:00 Am
Sovereign Bonds | -
7%₹308 Cr31,000,000
↑ 12,000,000
5.63 4/12/2026 12:00:00 Am
Sovereign Bonds | -
4%₹186 Cr19,500,000
↓ -70,500,000
7.36 9/12/2052 12:00:00 Am
Sovereign Bonds | -
4%₹149 Cr15,000,000
7.54 5/23/2036 12:00:00 Am
Sovereign Bonds | -
2%₹103 Cr10,200,000
↓ -38,000,000
Treps
CBLO/Reverse Repo | -
15%₹635 Cr

3. ICICI Prudential Corporate Bond Fund

(Erstwhile ICICI Prudential Ultra Short Term Plan)

ICICI Prudential Ultra Short Term Plan is an open-ended income fund that intends to generate regular income through investments in a basket of debt and money market instruments of very short maturities with a view to providing reasonable returns, while maintaining an optimum balance of safety, liquidity and yield. However, there can be no assurance that the investment objective of the scheme will be realized.

ICICI Prudential Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 11 Aug 09. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.9% since its launch.  Ranked 7 in Corporate Bond category.  Return for 2022 was 4.5% , 2021 was 4.1% and 2020 was 10.4% .

Below is the key information for ICICI Prudential Corporate Bond Fund

ICICI Prudential Corporate Bond Fund
Growth
Launch Date 11 Aug 09
NAV (24 Mar 23) ₹24.8993 ↓ -0.01   (-0.02 %)
Net Assets (Cr) ₹16,998 on 28 Feb 23
Category Debt - Corporate Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.58
Sharpe Ratio -0.36
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.98%
Effective Maturity 4 Years 5 Months 16 Days
Modified Duration 1 Year 1 Month 17 Days

Growth of 10,000 investment over the years.

DateValue
28 Feb 18₹10,000
28 Feb 19₹10,690
29 Feb 20₹11,799
28 Feb 21₹12,798
28 Feb 22₹13,392
28 Feb 23₹14,078

ICICI Prudential 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 ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for ICICI Prudential 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 24 Mar 23

DurationReturns
1 Month 0.5%
3 Month 1.5%
6 Month 3.2%
1 Year 5.5%
3 Year 6.8%
5 Year 7%
10 Year
15 Year
Since launch 6.9%
Historical performance (Yearly) on absolute basis
YearReturns
2022 4.5%
2021 4.1%
2020 10.4%
2019 9.9%
2018 6.4%
2017 6.3%
2016 9.8%
2015 8.8%
2014 9.4%
2013 8.5%
Fund Manager information for ICICI Prudential Corporate Bond Fund
NameSinceTenure
Rahul Goswami16 Oct 175.3 Yr.
Anuj Tagra2 Mar 202.92 Yr.
Chandni Gupta3 Aug 166.5 Yr.

Data below for ICICI Prudential Corporate Bond Fund as on 28 Feb 23

Asset Allocation
Asset ClassValue
Cash8.24%
Debt91.76%
Debt Sector Allocation
SectorValue
Corporate54.1%
Government37.5%
Cash Equivalent8.24%
Securitized0.16%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.42 9/22/2033 12:00:00 Am
Sovereign Bonds | -
16%₹2,694 Cr271,071,700
↑ 1,000,000
Reliance Industries Limited
Debentures | -
8%₹1,340 Cr13,250
7.01 10/4/2028 12:00:00 Am
Sovereign Bonds | -
5%₹791 Cr80,354,723
7.69 10/30/2034 12:00:00 Am
Sovereign Bonds | -
4%₹704 Cr72,217,650
Housing Development Finance Corporation Ltd
Debentures | -
4%₹697 Cr7,000
Small Industries Development Bank Of India
Debentures | -
4%₹634 Cr6,400
Small Industries Development Bank Of India
Debentures | -
4%₹601 Cr6,000
Hdb Financial Services Limited
Debentures | -
3%₹519 Cr5,180
Bajaj Finance Limited
Debentures | -
3%₹500 Cr5,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹398 Cr40,000

4. UTI Gilt Fund

(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 CAGR/Annualized return of 8.2% since its launch.  Ranked 7 in Government Bond category.  Return for 2022 was 2.9% , 2021 was 2.3% and 2020 was 10.3% .

Below is the key information for UTI Gilt Fund

UTI Gilt Fund
Growth
Launch Date 21 Jan 02
NAV (24 Mar 23) ₹52.7494 ↑ 0.06   (0.12 %)
Net Assets (Cr) ₹517 on 28 Feb 23
Category Debt - Government Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 0.86
Sharpe Ratio -1.11
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.05%
Effective Maturity 5 Years 3 Months 18 Days
Modified Duration 3 Years 8 Months 26 Days

Growth of 10,000 investment over the years.

DateValue
28 Feb 18₹10,000
28 Feb 19₹10,768
29 Feb 20₹12,334
28 Feb 21₹13,084
28 Feb 22₹13,509
28 Feb 23₹14,030

UTI 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 ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for UTI 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 24 Mar 23

DurationReturns
1 Month 1%
3 Month 1.5%
6 Month 3.3%
1 Year 5%
3 Year 5.1%
5 Year 7%
10 Year
15 Year
Since launch 8.2%
Historical performance (Yearly) on absolute basis
YearReturns
2022 2.9%
2021 2.3%
2020 10.3%
2019 11.8%
2018 6.3%
2017 4.3%
2016 15.5%
2015 6.1%
2014 19.8%
2013 4%
Fund Manager information for UTI Gilt Fund
NameSinceTenure
Sudhir Agarwal1 Dec 211.17 Yr.

Data below for UTI Gilt Fund as on 28 Feb 23

Asset Allocation
Asset ClassValue
Cash37.3%
Debt62.7%
Debt Sector Allocation
SectorValue
Government62.7%
Cash Equivalent37.3%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.26 8/22/2032 12:00:00 Am
Sovereign Bonds | -
29%₹149 Cr1,500,000,000
↓ -650,000,000
7.38 6/20/2027 12:00:00 Am
Sovereign Bonds | -
24%₹125 Cr1,250,000,000
↑ 500,000,000
182 DTB 23032023
Sovereign Bonds | -
12%₹60 Cr600,000,000
↑ 250,000,000
91 DTB 16032023
Sovereign Bonds | -
10%₹50 Cr500,000,000
07.94 HR Sdl 2034
Sovereign Bonds | -
5%₹26 Cr250,000,000
7.64% MP Sdl 2033
Sovereign Bonds | -
5%₹25 Cr250,000,000
↑ 250,000,000
Net Current Assets
Net Current Assets | -
16%₹82 Cr
Clearing Corporation Of India Ltd. Std - Margin
Net Current Assets | -
0%₹1 Cr00
364 Dtb 11052023
Sovereign Bonds | -
₹0 Cr00
↓ -500,000,000
364 Dtb 02032023
Sovereign Bonds | -
₹0 Cr00
↓ -250,000,000

5. Nippon India Prime Debt Fund

(Erstwhile Reliance Medium Term Fund)

The primary investment objective of the Scheme is to generate regular income in order to make regular dividend payments to unit-holders and the secondary objective is growth of capital.

Nippon India Prime Debt Fund is a Debt - Corporate Bond fund was launched on 14 Sep 00. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.4% since its launch.  Ranked 20 in Corporate Bond category.  Return for 2022 was 4.3% , 2021 was 4.7% and 2020 was 9.5% .

Below is the key information for Nippon India Prime Debt Fund

Nippon India Prime Debt Fund
Growth
Launch Date 14 Sep 00
NAV (24 Mar 23) ₹49.9613 ↑ 0.01   (0.02 %)
Net Assets (Cr) ₹1,702 on 28 Feb 23
Category Debt - Corporate Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderately Low
Expense Ratio 0.63
Sharpe Ratio -0.95
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.92%
Effective Maturity 3 Years 4 Months 6 Days
Modified Duration 2 Years 7 Months 24 Days

Growth of 10,000 investment over the years.

DateValue
28 Feb 18₹10,000
28 Feb 19₹10,738
29 Feb 20₹11,637
28 Feb 21₹12,493
28 Feb 22₹13,193
28 Feb 23₹13,755

Nippon India Prime Debt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Nippon India Prime Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Mar 23

DurationReturns
1 Month 0.7%
3 Month 1.5%
6 Month 3.5%
1 Year 4.8%
3 Year 6.5%
5 Year 6.6%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2022 4.3%
2021 4.7%
2020 9.5%
2019 7.8%
2018 6.9%
2017 6.6%
2016 9.1%
2015 8.7%
2014 9.3%
2013 8.5%
Fund Manager information for Nippon India Prime Debt Fund
NameSinceTenure
Vivek Sharma1 Feb 203 Yr.
Kinjal Desai25 May 184.69 Yr.
Akshay Sharma1 Dec 220.17 Yr.

Data below for Nippon India Prime Debt Fund as on 28 Feb 23

Asset Allocation
Asset ClassValue
Cash6.91%
Debt93.09%
Debt Sector Allocation
SectorValue
Corporate63.93%
Government29.16%
Cash Equivalent6.91%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Tata Capital Housing Finance Limited
Debentures | -
6%₹95 Cr1,000
7.38 6/20/2027 12:00:00 Am
Sovereign Bonds | -
5%₹90 Cr9,000,000
Summit Digitel Infrastructure Limited
Debentures | -
5%₹82 Cr850
08.39 RJ UDAY 2025
Domestic Bonds | -
5%₹79 Cr7,728,000
Bajaj Finance Limited
Debentures | -
4%₹75 Cr750
LIC Housing Finance Limited
Debentures | -
4%₹75 Cr750
National Bank For Agriculture And Rural Development
Debentures | -
4%₹75 Cr750
State Bank Of India
Debentures | -
4%₹62 Cr650
Tata Capital Financial Services Limited
Debentures | -
3%₹50 Cr500
Power Finance Corporation Ltd.
Debentures | -
3%₹50 Cr500

6. 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% since its launch.  Ranked 1 in Corporate Bond category.  Return for 2022 was 4.1% , 2021 was 4% and 2020 was 11.9% .

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 (24 Mar 23) ₹94.1193 ↑ 0.02   (0.02 %)
Net Assets (Cr) ₹12,121 on 28 Feb 23
Category Debt - Corporate Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.46
Sharpe Ratio -0.76
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 8%
Effective Maturity 2 Years 2 Months 1 Day
Modified Duration 1 Year 8 Months 23 Days

Growth of 10,000 investment over the years.

DateValue
28 Feb 18₹10,000
28 Feb 19₹10,766
29 Feb 20₹11,871
28 Feb 21₹12,963
28 Feb 22₹13,657
28 Feb 23₹14,252

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 ₹203,125.
Net Profit of ₹23,125
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 24 Mar 23

DurationReturns
1 Month 0.6%
3 Month 1.5%
6 Month 3.4%
1 Year 4.6%
3 Year 7.2%
5 Year 7.3%
10 Year
15 Year
Since launch 9%
Historical performance (Yearly) on absolute basis
YearReturns
2022 4.1%
2021 4%
2020 11.9%
2019 9.6%
2018 7%
2017 6.5%
2016 10.2%
2015 8.9%
2014 10.9%
2013 8.4%
Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund
NameSinceTenure
Kaustubh Gupta12 Apr 211.81 Yr.

Data below for Aditya Birla Sun Life Corporate Bond Fund as on 28 Feb 23

Asset Allocation
Asset ClassValue
Cash9.08%
Debt90.92%
Debt Sector Allocation
SectorValue
Corporate57.3%
Government31.85%
Cash Equivalent8.99%
Securitized1.86%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.42 9/22/2033 12:00:00 Am
Sovereign Bonds | -
5%₹560 Cr56,308,500
↑ 14,500,000
Sikka Ports & Terminals Limited
Debentures | -
3%₹364 Cr3,650
Bajaj Housing Finance Limited
Debentures | -
3%₹346 Cr3,525
Sikka Ports & Terminals Limited
Debentures | -
3%₹325 Cr3,250
7.69 10/30/2034 12:00:00 Am
Sovereign Bonds | -
3%₹314 Cr32,137,700
HDFC Bank Limited
Debentures | -
2%₹278 Cr280
↓ -170
7.27 4/8/2026 12:00:00 Am
Sovereign Bonds | -
2%₹250 Cr25,000,000
Small Industries Development Bank Of India
Debentures | -
2%₹249 Cr2,500
Sikka Ports & Terminals Limited
Debentures | -
2%₹241 Cr2,500
Power Finance Corporation Ltd.
Debentures | -
2%₹224 Cr2,250

7. TATA Gilt Securities Fund

To generate risk-free return and thus provide medium to long term capital gains and income distribution to its Unitholders, while at all times emphasising the importance of capital preservation.

TATA Gilt Securities Fund is a Debt - Government Bond fund was launched on 6 Sep 99. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.3% since its launch.  Ranked 11 in Government Bond category.  Return for 2022 was 2.4% , 2021 was 0.8% and 2020 was 9.9% .

Below is the key information for TATA Gilt Securities Fund

TATA Gilt Securities Fund
Growth
Launch Date 6 Sep 99
NAV (24 Mar 23) ₹65.5714 ↑ 0.10   (0.15 %)
Net Assets (Cr) ₹256 on 28 Feb 23
Category Debt - Government Bond
AMC Tata Asset Management Limited
Rating
Risk Moderate
Expense Ratio 1.54
Sharpe Ratio -1.16
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-180 Days (0.5%),180 Days and above(NIL)
Yield to Maturity 7.6%
Effective Maturity 9 Years 7 Months 6 Days
Modified Duration 6 Years 3 Months 7 Days

Growth of 10,000 investment over the years.

DateValue
28 Feb 18₹10,000
28 Feb 19₹10,710
29 Feb 20₹12,069
28 Feb 21₹12,561
28 Feb 22₹12,950
28 Feb 23₹13,391

TATA 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 ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for TATA 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 24 Mar 23

DurationReturns
1 Month 1.1%
3 Month 1.9%
6 Month 3%
1 Year 4.6%
3 Year 4.3%
5 Year 6%
10 Year
15 Year
Since launch 8.3%
Historical performance (Yearly) on absolute basis
YearReturns
2022 2.4%
2021 0.8%
2020 9.9%
2019 9.7%
2018 4.9%
2017 2.7%
2016 13.4%
2015 5.9%
2014 17.7%
2013 5.2%
Fund Manager information for TATA Gilt Securities Fund
NameSinceTenure
Akhil Mittal1 Mar 220.92 Yr.

Data below for TATA Gilt Securities Fund as on 28 Feb 23

Asset Allocation
Asset ClassValue
Cash27.84%
Debt72.16%
Debt Sector Allocation
SectorValue
Government72.16%
Cash Equivalent27.84%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.41 12/19/2036 12:00:00 Am
Sovereign Bonds | -
26%₹66 Cr6,602,000
↑ 5,102,000
5.74 11/15/2026 12:00:00 Am
Sovereign Bonds | -
19%₹48 Cr5,000,000
7.38 6/20/2027 12:00:00 Am
Sovereign Bonds | -
10%₹25 Cr2,500,000
↑ 2,500,000
91 DTB 16022023
Sovereign Bonds | -
10%₹25 Cr2,500,000
↑ 2,500,000
7.26 2/6/2033 12:00:00 Am
Sovereign Bonds | -
10%₹25 Cr2,500,000
↑ 2,500,000
07.81 GJ Sgs 2032
Sovereign Bonds | -
4%₹10 Cr1,000,000
07.99 KL Sdl 2025
Sovereign Bonds | -
2%₹5 Cr500,000
09.79 MH Sdl 2023
Sovereign Bonds | -
1%₹2 Cr217,000
08.62 MH Sdl 2023
Sovereign Bonds | -
1%₹2 Cr195,000
09.77 GA Sdl 2024
Sovereign Bonds | -
1%₹2 Cr190,000

8. 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 6.9% since its launch.  Ranked 15 in Corporate Bond category.  Return for 2022 was 3.7% , 2021 was 3.5% and 2020 was 11% .

Below is the key information for Sundaram Corporate Bond Fund

Sundaram Corporate Bond Fund
Growth
Launch Date 30 Dec 04
NAV (24 Mar 23) ₹33.9516 ↑ 0.01   (0.02 %)
Net Assets (Cr) ₹996 on 28 Feb 23
Category Debt - Corporate Bond
AMC Sundaram Asset Management Company Ltd
Rating
Risk Moderately Low
Expense Ratio 0.53
Sharpe Ratio -1.62
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 250
Exit Load NIL
Yield to Maturity 7.49%
Effective Maturity 2 Months 30 Days
Modified Duration 2 Months 23 Days

Growth of 10,000 investment over the years.

DateValue
28 Feb 18₹10,000
28 Feb 19₹10,631
29 Feb 20₹11,958
28 Feb 21₹12,912
28 Feb 22₹13,539
28 Feb 23₹14,081

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 ₹200,132.
Net Profit of ₹20,132
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 24 Mar 23

DurationReturns
1 Month 0.5%
3 Month 1.6%
6 Month 3.1%
1 Year 4.3%
3 Year 6.8%
5 Year 7%
10 Year
15 Year
Since launch 6.9%
Historical performance (Yearly) on absolute basis
YearReturns
2022 3.7%
2021 3.5%
2020 11%
2019 11.3%
2018 4.8%
2017 5.4%
2016 11.7%
2015 8.7%
2014 14.9%
2013 -0.3%
Fund Manager information for Sundaram Corporate Bond Fund
NameSinceTenure
Dwijendra Srivastava31 Jul 1012.51 Yr.
Sandeep Agarwal1 Jun 1210.68 Yr.

Data below for Sundaram Corporate Bond Fund as on 28 Feb 23

Asset Allocation
Asset ClassValue
Cash58.95%
Debt41.05%
Debt Sector Allocation
SectorValue
Cash Equivalent54.18%
Government23.8%
Corporate22.01%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
08.42 Tn SDL 2023
Sovereign Bonds | -
5%₹50 Cr5,000,000
National Bank For Agriculture And Rural Development
Debentures | -
5%₹50 Cr500
Housing And Urban Development Corporation Limited
Debentures | -
5%₹50 Cr500
Housing Development Finance Corporation Ltd
Debentures | -
4%₹40 Cr400
Reliance Industries Limited
Debentures | -
3%₹35 Cr350
LIC Housing Finance Limited
Debentures | -
3%₹35 Cr350
National Housing Bank
Debentures | -
3%₹30 Cr300
09.25 MH Sdl 2023
Sovereign Bonds | -
2%₹25 Cr2,500,000
Indian Railway Finance Corporation Limited
Debentures | -
2%₹25 Cr250
LIC Housing Finance Limited
Debentures | -
2%₹25 Cr250

9. 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 9.2% since its launch.  Ranked 9 in Government Bond category.  Return for 2022 was 2.7% , 2021 was 3.1% and 2020 was 13.1% .

Below is the key information for DSP BlackRock Government Securities Fund

DSP BlackRock Government Securities Fund
Growth
Launch Date 30 Sep 99
NAV (24 Mar 23) ₹79.4213 ↑ 0.10   (0.13 %)
Net Assets (Cr) ₹430 on 28 Feb 23
Category Debt - Government Bond
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk Moderate
Expense Ratio 1.07
Sharpe Ratio -1.33
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 7.39%
Effective Maturity 5 Years 2 Months 26 Days
Modified Duration 3 Years 25 Days

Growth of 10,000 investment over the years.

DateValue
28 Feb 18₹10,000
28 Feb 19₹10,948
29 Feb 20₹12,658
28 Feb 21₹13,651
28 Feb 22₹14,290
28 Feb 23₹14,746

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 ₹203,125.
Net Profit of ₹23,125
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 24 Mar 23

DurationReturns
1 Month 1%
3 Month 1.5%
6 Month 3.2%
1 Year 4.2%
3 Year 5.6%
5 Year 8%
10 Year
15 Year
Since launch 9.2%
Historical performance (Yearly) on absolute basis
YearReturns
2022 2.7%
2021 3.1%
2020 13.1%
2019 12.5%
2018 7.4%
2017 1.4%
2016 15.3%
2015 6.2%
2014 15%
2013 1.3%
Fund Manager information for DSP BlackRock Government Securities Fund
NameSinceTenure
Vikram Chopra17 Jul 166.55 Yr.
Laukik Bagwe17 Jul 211.55 Yr.

Data below for DSP BlackRock Government Securities Fund as on 28 Feb 23

Asset Allocation
Asset ClassValue
Cash5.42%
Debt94.58%
Debt Sector Allocation
SectorValue
Government94.58%
Cash Equivalent5.42%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.26 8/22/2032 12:00:00 Am
Sovereign Bonds | -
36%₹154 Cr15,000,000
↑ 12,500,000
7.38 6/20/2027 12:00:00 Am
Sovereign Bonds | -
36%₹152 Cr15,000,000
↓ -5,000,000
7.1 4/18/2029 12:00:00 Am
Sovereign Bonds | -
12%₹51 Cr5,000,000
↑ 5,000,000
7.42 9/22/2033 12:00:00 Am
Sovereign Bonds | -
11%₹46 Cr4,500,000
Treps / Reverse Repo Investments / Corporate Debt Repo
CBLO/Reverse Repo | -
28%₹121 Cr
Net Receivables/Payables
CBLO | -
24%-₹101 Cr
Cash Margin
Net Current Assets | -
1%₹4 Cr
91 DTB 16022023
Sovereign Bonds | -
₹0 Cr00
↓ -5,000,000

10. Kotak Gilt Investment Fund - Provident Fund & Trust Plan

To generate risk-free returns through investments in sovereign securities issued by the Central Government and/or a State Government and/or reverse repos in such securities.

Kotak Gilt Investment Fund - Provident Fund & Trust Plan is a Debt - Government Bond fund was launched on 11 Nov 03. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.2% since its launch.  Ranked 14 in Government Bond category.  Return for 2022 was 2.4% , 2021 was 2.2% and 2020 was 13.3% .

Below is the key information for Kotak Gilt Investment Fund - Provident Fund & Trust Plan

Kotak Gilt Investment Fund - Provident Fund & Trust Plan
Growth
Launch Date 11 Nov 03
NAV (24 Mar 23) ₹83.342 ↑ 0.07   (0.09 %)
Net Assets (Cr) ₹1,699 on 28 Feb 23
Category Debt - Government Bond
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderate
Expense Ratio 0.98
Sharpe Ratio -1.06
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 8%
Effective Maturity 8 Years 6 Months
Modified Duration 2 Years 6 Months 7 Days

Growth of 10,000 investment over the years.

DateValue
28 Feb 18₹10,000
28 Feb 19₹10,891
29 Feb 20₹12,292
28 Feb 21₹13,234
28 Feb 22₹13,806
28 Feb 23₹14,244

Kotak Gilt Investment Fund - Provident Fund & Trust Plan SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for Kotak Gilt Investment Fund - Provident Fund & Trust Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Mar 23

DurationReturns
1 Month 1%
3 Month 1.6%
6 Month 3.3%
1 Year 4.2%
3 Year 5.5%
5 Year 7.2%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
2022 2.4%
2021 2.2%
2020 13.3%
2019 9.8%
2018 7.4%
2017 0.7%
2016 16.5%
2015 5.3%
2014 17.1%
2013 0.1%
Fund Manager information for Kotak Gilt Investment Fund - Provident Fund & Trust Plan
NameSinceTenure
Abhishek Bisen15 Apr 0814.81 Yr.
Vihag Mishra30 Apr 220.76 Yr.

Data below for Kotak Gilt Investment Fund - Provident Fund & Trust Plan as on 28 Feb 23

Asset Allocation
Asset ClassValue
Cash3.05%
Debt96.95%
Debt Sector Allocation
SectorValue
Government96.95%
Cash Equivalent3.05%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.42 9/22/2033 12:00:00 Am
Sovereign Bonds | -
45%₹723 Cr72,772,000
7.41 12/19/2036 12:00:00 Am
Sovereign Bonds | -
15%₹235 Cr23,500,000
↑ 23,500,000
7.38 6/20/2027 12:00:00 Am
Sovereign Bonds | -
11%₹175 Cr17,410,470
↓ -4,200,000
7.1 4/18/2029 12:00:00 Am
Sovereign Bonds | -
6%₹94 Cr9,500,000
↓ -10,000,000
7.69 12/7/2031 12:00:00 Am
Sovereign Bonds | -
5%₹75 Cr7,500,000
GS CG 22/2/2028 - (STRIPS) Strips
Sovereign Bonds | -
3%₹41 Cr5,882,000
GS CG 22/8/2029 - (STRIPS) Strips
Sovereign Bonds | -
2%₹40 Cr6,375,000
7.69 10/30/2034 12:00:00 Am
Sovereign Bonds | -
2%₹39 Cr4,000,000
GS CG 22/2/2029 - (STRIPS) Strips
Sovereign Bonds | -
2%₹38 Cr5,875,000
GS CG 22/8/2028 - (STRIPS) Strips
Sovereign Bonds | -
2%₹26 Cr3,868,000

How to Invest in Long Term Bonds Online?

  1. Open Free Investment Account for Lifetime at Fincash.com.

  2. Complete your Registration and KYC Process

  3. Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!

    Get Started

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.
How helpful was this page ?
Rated 5, based on 1 reviews.
POST A COMMENT