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Table of Contents
- Long Term Debt Funds- A Plan for Long Term Investment
- Returns and Risk
- Long Term Debt Funds Taxation
- How to Invest in Long Term Bond Funds?
- Best Long Term Bond Funds to Invest in 2023
- How to Invest in Long Term Bonds Online?
Top 10 Funds
- ICICI Prudential Gilt Fund
- SBI Magnum Gilt Fund
- ICICI Prudential Corporate Bond Fund
- Kotak Gilt Investment Fund - Provident Fund & Trust Plan
- Kotak Gilt Investment Fund - Regular Investment Plan
- DSP BlackRock Government Securities Fund
- Nippon India Prime Debt Fund
- Aditya Birla Sun Life Corporate Bond Fund
- UTI Gilt Fund
- HDFC Corporate Bond Fund
Long Term Debt Funds- When Should You Invest?
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.
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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 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
Fund NAV Net Assets (Cr) Min Investment Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2022 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity ICICI Prudential Gilt Fund Growth ₹88.5115
↑ 0.03 ₹4,001 5,000 1,000 1.7 4.8 8.5 5.5 3.7 7.88% 2Y 5M 23D 7Y 9M 11D SBI Magnum Gilt Fund Growth ₹56.8857
↑ 0.01 ₹7,060 5,000 500 0.5 4.8 8.2 5.3 4.2 7.12% 3Y 4M 28D 4Y 4M 28D ICICI Prudential Corporate Bond Fund Growth ₹25.7891
↑ 0.00 ₹22,656 5,000 100 1.7 4.1 7.5 5.6 4.5 7.91% 1Y 6M 14D 4Y 1M 2D Kotak Gilt Investment Fund - Provident Fund & Trust Plan Growth ₹85.9005
↑ 0.03 ₹2,388 5,000 1,000 0.9 4.2 7 4.6 2.4 7.59% 4Y 7M 24D 9Y 9M 29D Kotak Gilt Investment Fund - Regular Investment Plan Growth ₹83.964
↑ 0.03 ₹2,388 5,000 1,000 0.9 4.2 7 4.6 2.4 7.59% 4Y 7M 24D 9Y 9M 29D DSP BlackRock Government Securities Fund Growth ₹82.1864
↑ 0.05 ₹592 1,000 500 0.9 4.6 6.9 4.9 2.7 7.41% 5Y 4D 10Y 7M 10D Nippon India Prime Debt Fund Growth ₹51.5849
↓ 0.00 ₹2,459 1,000 100 1.2 4 6.8 5.7 4.3 7.52% 2Y 6M 29D 3Y 4M 6D Aditya Birla Sun Life Corporate Bond Fund Growth ₹97.1847
↑ 0.01 ₹17,961 1,000 100 1.5 3.9 6.8 5.4 4.1 7.62% 2Y 2M 5D 2Y 9M 22D UTI Gilt Fund Growth ₹54.2471
↑ 0.02 ₹536 5,000 500 0.7 3.9 6.8 4.1 2.9 6.93% 3Y 11M 19D 4Y 8M 8D HDFC Corporate Bond Fund Growth ₹28.0379
↓ 0.00 ₹26,407 5,000 300 1.4 4.1 6.8 5.2 3.3 7.65% 2Y 9M 5Y 1M 21D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Aug 23
(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 Below is the key information for ICICI Prudential Gilt Fund 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 (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 Below is the key information for ICICI Prudential Corporate Bond Fund Returns up to 1 year are on 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 Below is the key information for Kotak Gilt Investment Fund - Provident Fund & Trust Plan Returns up to 1 year are on 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 - Regular Investment Plan is a Debt - Government Bond fund was launched on 29 Dec 98. It is a fund with Moderate risk and has given a Below is the key information for Kotak Gilt Investment Fund - Regular Investment Plan 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 (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 Below is the key information for Nippon India Prime Debt Fund Returns up to 1 year are on (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 Below is the key information for Aditya Birla Sun Life Corporate Bond 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 (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 Below is the key information for HDFC Corporate Bond Fund Returns up to 1 year are on 1. ICICI Prudential Gilt Fund
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% . ICICI Prudential Gilt Fund
Growth Launch Date 19 Aug 99 NAV (22 Aug 23) ₹88.5115 ↑ 0.03 (0.03 %) Net Assets (Cr) ₹4,001 on 31 Jul 23 Category Debt - Government Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.12 Sharpe Ratio 1.58 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.88% Effective Maturity 7 Years 9 Months 11 Days Modified Duration 2 Years 5 Months 23 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 18 ₹10,000 31 Aug 19 ₹11,207 31 Aug 20 ₹12,410 31 Aug 21 ₹13,195 31 Aug 22 ₹13,587 31 Aug 23 ₹14,686 Returns for ICICI Prudential Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 4.8% 1 Year 8.5% 3 Year 5.5% 5 Year 8% 10 Year 15 Year Since launch 9.5% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Anuj Tagra 30 Oct 13 9.84 Yr. Rohit Lakhotia 12 Jun 23 0.22 Yr. Data below for ICICI Prudential Gilt Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 16.26% Debt 83.74% Debt Sector Allocation
Sector Value Government 83.74% Cash Equivalent 16.26% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.38% Govt Stock 2027
Sovereign Bonds | -27% ₹1,136 Cr 112,834,400 8.51% Govt Stock 2033
Sovereign Bonds | -26% ₹1,065 Cr 104,971,700
↓ -10,000,000 7.06% Govt Stock 2028
Sovereign Bonds | -10% ₹398 Cr 40,000,000 7.879999999999999% Govt Stock 2028
Sovereign Bonds | -9% ₹377 Cr 37,824,649 7.26% Govt Stock 2033
Sovereign Bonds | -7% ₹295 Cr 29,354,700
↑ 5,750,000 07.18 Goi 2033
Sovereign Bonds | -5% ₹211 Cr 21,037,300
↓ -17,996,000 08.03 GOI FCI 2024
Domestic Bonds | -0% ₹3 Cr 250,000 08.05 RJ Sdl 2025feb
Sovereign Bonds | -0% ₹1 Cr 56,000 Treps
CBLO/Reverse Repo | -12% ₹494 Cr Net Current Assets
Net Current Assets | -4% ₹183 Cr 2. SBI Magnum Gilt Fund
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% . SBI Magnum Gilt Fund
Growth Launch Date 30 Dec 00 NAV (22 Aug 23) ₹56.8857 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹7,060 on 31 Jul 23 Category Debt - Government Bond AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.94 Sharpe Ratio 0.87 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.12% Effective Maturity 4 Years 4 Months 28 Days Modified Duration 3 Years 4 Months 28 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 18 ₹10,000 31 Aug 19 ₹11,609 31 Aug 20 ₹12,695 31 Aug 21 ₹13,436 31 Aug 22 ₹13,828 31 Aug 23 ₹14,920 Returns for SBI Magnum Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0% 3 Month 0.5% 6 Month 4.8% 1 Year 8.2% 3 Year 5.3% 5 Year 8.2% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Dinesh Ahuja 1 Feb 11 12.59 Yr. Data below for SBI Magnum Gilt Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 27.78% Debt 72.22% Debt Sector Allocation
Sector Value Government 72.22% Cash Equivalent 27.78% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2029
Sovereign Bonds | -25% ₹1,833 Cr 184,000,000 7.38% Govt Stock 2027
Sovereign Bonds | -24% ₹1,757 Cr 174,500,000 7.06% Govt Stock 2028
Sovereign Bonds | -10% ₹697 Cr 70,000,000 07.18 Goi 2033
Sovereign Bonds | -6% ₹441 Cr 44,000,000
↑ 44,000,000 91 DTB 07092023
Sovereign Bonds | -3% ₹250 Cr 25,000,000
↑ 25,000,000 182 DTB 14092023
Sovereign Bonds | -3% ₹249 Cr 25,000,000
↑ 25,000,000 91 DTB 30112023
Sovereign Bonds | -3% ₹246 Cr 25,000,000
↑ 25,000,000 06.90 OIL SPL 2026
Domestic Bonds | -3% ₹241 Cr 24,294,000 7.3% Govt Stock 2053
Sovereign Bonds | -2% ₹174 Cr 17,500,000
↑ 17,500,000 07.18 Goi 2037
Sovereign Bonds | -1% ₹45 Cr 4,500,000 3. ICICI Prudential Corporate Bond Fund
CAGR/Annualized return of 7% since its launch. Ranked 7 in Corporate Bond category. Return for 2022 was 4.5% , 2021 was 4.1% and 2020 was 10.4% . ICICI Prudential Corporate Bond Fund
Growth Launch Date 11 Aug 09 NAV (22 Aug 23) ₹25.7891 ↑ 0.00 (0.02 %) Net Assets (Cr) ₹22,656 on 31 Jul 23 Category Debt - Corporate Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.57 Sharpe Ratio 1.84 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.91% Effective Maturity 4 Years 1 Month 2 Days Modified Duration 1 Year 6 Months 14 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 18 ₹10,000 31 Aug 19 ₹10,965 31 Aug 20 ₹12,086 31 Aug 21 ₹12,796 31 Aug 22 ₹13,258 31 Aug 23 ₹14,250 Returns for ICICI Prudential Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 4.1% 1 Year 7.5% 3 Year 5.6% 5 Year 7.3% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Anuj Tagra 2 Mar 20 3.5 Yr. Rohit Lakhotia 12 Jun 23 0.22 Yr. Data below for ICICI Prudential Corporate Bond Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 6.27% Debt 93.73% Debt Sector Allocation
Sector Value Corporate 56.24% Government 37.4% Cash Equivalent 6.27% Securitized 0.09% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 8.51% Govt Stock 2033
Sovereign Bonds | -12% ₹2,690 Cr 265,071,700
↓ -10,000,000 7.06% Govt Stock 2028
Sovereign Bonds | -5% ₹1,200 Cr 120,500,000 7.38% Govt Stock 2027
Sovereign Bonds | -4% ₹1,011 Cr 100,386,200 HDFC Bank Limited
Debentures | -3% ₹697 Cr 7,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹689 Cr 69,000
↑ 12,500 Small Industries Development Bank Of India
Debentures | -3% ₹636 Cr 6,400 Small Industries Development Bank Of India
Debentures | -3% ₹601 Cr 6,000 Bharat Petroleum Corporation Limited
Debentures | -3% ₹595 Cr 59,500 HDFC Bank Limited
Debentures | -2% ₹550 Cr 55,000 Hdb Financial Services Limited
Debentures | -2% ₹519 Cr 5,180 4. Kotak Gilt Investment Fund - Provident Fund & Trust Plan
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% . Kotak Gilt Investment Fund - Provident Fund & Trust Plan
Growth Launch Date 11 Nov 03 NAV (22 Aug 23) ₹85.9005 ↑ 0.03 (0.03 %) Net Assets (Cr) ₹2,388 on 31 Jul 23 Category Debt - Government Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆ Risk Moderate Expense Ratio 0.75 Sharpe Ratio 0.63 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.59% Effective Maturity 9 Years 9 Months 29 Days Modified Duration 4 Years 7 Months 24 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 18 ₹10,000 31 Aug 19 ₹11,483 31 Aug 20 ₹12,483 31 Aug 21 ₹13,290 31 Aug 22 ₹13,459 31 Aug 23 ₹14,393 Returns for Kotak Gilt Investment Fund - Provident Fund & Trust Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.1% 3 Month 0.9% 6 Month 4.2% 1 Year 7% 3 Year 4.6% 5 Year 7.4% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Abhishek Bisen 15 Apr 08 15.39 Yr. Vihag Mishra 30 Apr 22 1.34 Yr. Data below for Kotak Gilt Investment Fund - Provident Fund & Trust Plan as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 8.8% Debt 91.2% Debt Sector Allocation
Sector Value Government 91.2% Cash Equivalent 8.8% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 8.51% Govt Stock 2033
Sovereign Bonds | -30% ₹734 Cr 72,272,000 7.26% Govt Stock 2033
Sovereign Bonds | -28% ₹683 Cr 67,875,000 7.17% Govt Stock 2030
Sovereign Bonds | -10% ₹250 Cr 24,997,020
↑ 10,000,000 7.41% Govt Stock 2036
Sovereign Bonds | -8% ₹193 Cr 19,000,000
↓ -16,000,000 GS CG 22/2/2028 - (STRIPS) Strips
Sovereign Bonds | -2% ₹43 Cr 5,882,000 7.93% Govt Stock 2034
Sovereign Bonds | -2% ₹40 Cr 4,000,000 GS CG 22/2/2029 - (STRIPS) Strips
Sovereign Bonds | -2% ₹40 Cr 5,875,000 GSCG 12JUN2027
Sovereign Bonds | -2% ₹38 Cr 5,000,000 7.9% Govt Stock 2031
Sovereign Bonds | -1% ₹35 Cr 3,500,000 Gs CG 12/12/2028 - (Strips) Tb
Sovereign Bonds | -1% ₹27 Cr 4,000,000 5. Kotak Gilt Investment Fund - Regular Investment Plan
CAGR/Annualized return of 9% since its launch. Ranked 15 in Government Bond category. Return for 2022 was 2.4% , 2021 was 2.2% and 2020 was 13.3% . Kotak Gilt Investment Fund - Regular Investment Plan
Growth Launch Date 29 Dec 98 NAV (22 Aug 23) ₹83.964 ↑ 0.03 (0.03 %) Net Assets (Cr) ₹2,388 on 31 Jul 23 Category Debt - Government Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆ Risk Moderate Expense Ratio 0.75 Sharpe Ratio 0.63 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.59% Effective Maturity 9 Years 9 Months 29 Days Modified Duration 4 Years 7 Months 24 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 18 ₹10,000 31 Aug 19 ₹11,483 31 Aug 20 ₹12,483 31 Aug 21 ₹13,290 31 Aug 22 ₹13,459 31 Aug 23 ₹14,393 Returns for Kotak Gilt Investment Fund - Regular Investment Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.1% 3 Month 0.9% 6 Month 4.2% 1 Year 7% 3 Year 4.6% 5 Year 7.4% 10 Year 15 Year Since launch 9% Historical performance (Yearly) on absolute basis
Year Returns 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 - Regular Investment Plan
Name Since Tenure Abhishek Bisen 15 Apr 08 15.39 Yr. Vihag Mishra 30 Apr 22 1.34 Yr. Data below for Kotak Gilt Investment Fund - Regular Investment Plan as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 8.8% Debt 91.2% Debt Sector Allocation
Sector Value Government 91.2% Cash Equivalent 8.8% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 8.51% Govt Stock 2033
Sovereign Bonds | -30% ₹734 Cr 72,272,000 7.26% Govt Stock 2033
Sovereign Bonds | -28% ₹683 Cr 67,875,000 7.17% Govt Stock 2030
Sovereign Bonds | -10% ₹250 Cr 24,997,020
↑ 10,000,000 7.41% Govt Stock 2036
Sovereign Bonds | -8% ₹193 Cr 19,000,000
↓ -16,000,000 GS CG 22/2/2028 - (STRIPS) Strips
Sovereign Bonds | -2% ₹43 Cr 5,882,000 7.93% Govt Stock 2034
Sovereign Bonds | -2% ₹40 Cr 4,000,000 GS CG 22/2/2029 - (STRIPS) Strips
Sovereign Bonds | -2% ₹40 Cr 5,875,000 GSCG 12JUN2027
Sovereign Bonds | -2% ₹38 Cr 5,000,000 7.9% Govt Stock 2031
Sovereign Bonds | -1% ₹35 Cr 3,500,000 Gs CG 12/12/2028 - (Strips) Tb
Sovereign Bonds | -1% ₹27 Cr 4,000,000 6. DSP BlackRock Government Securities Fund
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% . DSP BlackRock Government Securities Fund
Growth Launch Date 30 Sep 99 NAV (22 Aug 23) ₹82.1864 ↑ 0.05 (0.06 %) Net Assets (Cr) ₹592 on 31 Jul 23 Category Debt - Government Bond AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk Moderate Expense Ratio 1.09 Sharpe Ratio 0.36 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 7.41% Effective Maturity 10 Years 7 Months 10 Days Modified Duration 5 Years 4 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 18 ₹10,000 31 Aug 19 ₹11,637 31 Aug 20 ₹12,852 31 Aug 21 ₹13,666 31 Aug 22 ₹13,972 31 Aug 23 ₹14,958 Returns for DSP BlackRock Government Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.3% 3 Month 0.9% 6 Month 4.6% 1 Year 6.9% 3 Year 4.9% 5 Year 8.3% 10 Year 15 Year Since launch 9.2% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Shantanu Godambe 1 Jun 23 0.25 Yr. Data below for DSP BlackRock Government Securities Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 2.68% Debt 97.32% Debt Sector Allocation
Sector Value Government 97.32% Cash Equivalent 2.68% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 07.18 Goi 2037
Sovereign Bonds | -42% ₹251 Cr 25,000,000
↑ 20,000,000 7.879999999999999% Govt Stock 2028
Sovereign Bonds | -13% ₹77 Cr 7,500,000 7.3% Govt Stock 2053
Sovereign Bonds | -12% ₹71 Cr 7,000,000
↑ 2,500,000 7.25% Govt Stock 2063
Sovereign Bonds | -12% ₹70 Cr 7,000,000
↑ 5,500,000 8.51% Govt Stock 2033
Sovereign Bonds | -12% ₹68 Cr 6,500,000 7.36% Govt Stock 2052
Sovereign Bonds | -7% ₹42 Cr 4,000,000
↑ 1,500,000 Treps / Reverse Repo Investments / Corporate Debt Repo
CBLO/Reverse Repo | -2% ₹14 Cr Net Receivables/Payables
Net Current Assets | -0% ₹2 Cr 7.38% Govt Stock 2027
Sovereign Bonds | -₹0 Cr 00
↓ -2,500,000 7.26% Govt Stock 2033
Sovereign Bonds | -₹0 Cr 00
↓ -17,500,000 7. Nippon India Prime Debt Fund
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% . Nippon India Prime Debt Fund
Growth Launch Date 14 Sep 00 NAV (22 Aug 23) ₹51.5849 ↓ 0.00 (-0.01 %) Net Assets (Cr) ₹2,459 on 31 Jul 23 Category Debt - Corporate Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.64 Sharpe Ratio 0.67 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.52% Effective Maturity 3 Years 4 Months 6 Days Modified Duration 2 Years 6 Months 29 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 18 ₹10,000 31 Aug 19 ₹10,815 31 Aug 20 ₹11,738 31 Aug 21 ₹12,524 31 Aug 22 ₹12,965 31 Aug 23 ₹13,872 Returns for Nippon India Prime Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.3% 3 Month 1.2% 6 Month 4% 1 Year 6.8% 3 Year 5.7% 5 Year 6.7% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Vivek Sharma 1 Feb 20 3.58 Yr. Kinjal Desai 25 May 18 5.27 Yr. Akshay Sharma 1 Dec 22 0.75 Yr. Data below for Nippon India Prime Debt Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 11.68% Debt 88.32% Debt Sector Allocation
Sector Value Corporate 50.37% Government 41.79% Cash Equivalent 7.85% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.26% Govt Stock 2033
Sovereign Bonds | -7% ₹176 Cr 17,500,000
↑ 17,500,000 Export Import Bank Of India
Debentures | -6% ₹148 Cr 1,500
↑ 500 National Bank For Agriculture And Rural Development
Debentures | -5% ₹130 Cr 13,000
↑ 2,500 Tata Capital Housing Finance Limited
Debentures | -4% ₹97 Cr 1,000 7.38% Govt Stock 2027
Sovereign Bonds | -4% ₹91 Cr 9,000,000
↓ -2,500,000 Summit Digitel Infrastructure Limited
Debentures | -3% ₹82 Cr 850 08.39 RJ UDAY 2025
Domestic Bonds | -3% ₹78 Cr 7,728,000 Bajaj Housing Finance Limited
Debentures | -3% ₹75 Cr 750 State Bank Of India
Debentures | -2% ₹63 Cr 650 Grasim Industries Limited
Debentures | -2% ₹60 Cr 600 8. Aditya Birla Sun Life Corporate Bond Fund
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% . Aditya Birla Sun Life Corporate Bond Fund
Growth Launch Date 3 Mar 97 NAV (22 Aug 23) ₹97.1847 ↑ 0.01 (0.01 %) Net Assets (Cr) ₹17,961 on 31 Jul 23 Category Debt - Corporate Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.47 Sharpe Ratio 0.69 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.62% Effective Maturity 2 Years 9 Months 22 Days Modified Duration 2 Years 2 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 18 ₹10,000 31 Aug 19 ₹11,052 31 Aug 20 ₹12,260 31 Aug 21 ₹13,050 31 Aug 22 ₹13,470 31 Aug 23 ₹14,398 Returns for Aditya Birla Sun Life Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.4% 3 Month 1.5% 6 Month 3.9% 1 Year 6.8% 3 Year 5.4% 5 Year 7.5% 10 Year 15 Year Since launch 9% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Kaustubh Gupta 12 Apr 21 2.39 Yr. Dhaval Joshi 21 Nov 22 0.78 Yr. Data below for Aditya Birla Sun Life Corporate Bond Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 4.97% Debt 95.03% Debt Sector Allocation
Sector Value Corporate 55.28% Government 38.44% Cash Equivalent 4.97% Securitized 1.31% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.26% Govt Stock 2033
Sovereign Bonds | -6% ₹1,032 Cr 102,589,300
↑ 12,500,000 8.51% Govt Stock 2033
Sovereign Bonds | -5% ₹830 Cr 81,808,500
↑ 9,000,000 7.06% Govt Stock 2028
Sovereign Bonds | -4% ₹717 Cr 72,000,000
↑ 32,000,000 7.38% Govt Stock 2027
Sovereign Bonds | -3% ₹629 Cr 62,500,000
↑ 1,000,000 Mahindra & Mahindra Financial Services Ltd
Debentures | -3% ₹602 Cr 60,000 7.93% Govt Stock 2034
Sovereign Bonds | -3% ₹579 Cr 58,137,700
↓ -2,500,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹528 Cr 5,300 Rural Electrification Corporation Limited
Debentures | -2% ₹423 Cr 42,500 07.18 Goi 2037
Sovereign Bonds | -2% ₹380 Cr 38,192,600
↑ 4,000,000 Small Industries Development Bank Of India
Debentures | -2% ₹360 Cr 36,050 9. UTI Gilt Fund
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% . UTI Gilt Fund
Growth Launch Date 21 Jan 02 NAV (22 Aug 23) ₹54.2471 ↑ 0.02 (0.03 %) Net Assets (Cr) ₹536 on 31 Jul 23 Category Debt - Government Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.86 Sharpe Ratio 0.46 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.93% Effective Maturity 4 Years 8 Months 8 Days Modified Duration 3 Years 11 Months 19 Days Growth of 10,000 investment over the years.
Date Value 31 Aug 18 ₹10,000 31 Aug 19 ₹11,506 31 Aug 20 ₹12,416 31 Aug 21 ₹13,029 31 Aug 22 ₹13,262 31 Aug 23 ₹14,129 Returns for UTI Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.1% 3 Month 0.7% 6 Month 3.9% 1 Year 6.8% 3 Year 4.1% 5 Year 7% 10 Year 15 Year Since launch 8.2% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Sudhir Agarwal 1 Dec 21 1.75 Yr. Data below for UTI Gilt Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 24.27% Debt 75.73% Debt Sector Allocation
Sector Value Government 75.73% Cash Equivalent 24.27% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 07.18 Goi 2033
Sovereign Bonds | -28% ₹150 Cr 1,500,000,000
↓ -750,000,000 7.38% Govt Stock 2027
Sovereign Bonds | -24% ₹131 Cr 1,300,000,000 182 DTB 22092023
Sovereign Bonds | -14% ₹75 Cr 750,000,000
↑ 750,000,000 07.94 HR Sdl 2034
Sovereign Bonds | -5% ₹26 Cr 250,000,000 07.64 MP Sgs 2033
Sovereign Bonds | -5% ₹25 Cr 250,000,000 182 DTB 14092023
Sovereign Bonds | -3% ₹15 Cr 150,000,000 91 DTB 19102023
Sovereign Bonds | -3% ₹15 Cr 150,000,000 Net Current Assets
Net Current Assets | -18% ₹99 Cr Clearing Corporation Of India Ltd. Std - Margin
CBLO/Reverse Repo | -0% ₹1 Cr 10. HDFC Corporate Bond Fund
CAGR/Annualized return of 8.2% since its launch. Ranked 2 in Corporate Bond category. Return for 2022 was 3.3% , 2021 was 3.9% and 2020 was 11.8% . HDFC Corporate Bond Fund
Growth Launch Date 29 Jun 10 NAV (22 Aug 23) ₹28.0379 ↓ 0.00 (-0.01 %) Net Assets (Cr) ₹26,407 on 31 Jul 23 Category Debt - Corporate Bond AMC HDFC Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.59 Sharpe Ratio 0.63 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 7.65% Effective Maturity 5 Years 1 Month 21 Days Modified Duration 2 Years 9 Months Growth of 10,000 investment over the years.
Date Value 31 Aug 18 ₹10,000 31 Aug 19 ₹11,113 31 Aug 20 ₹12,276 31 Aug 21 ₹13,047 31 Aug 22 ₹13,408 31 Aug 23 ₹14,317 Returns for HDFC Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Aug 23 Duration Returns 1 Month 0.4% 3 Month 1.4% 6 Month 4.1% 1 Year 6.8% 3 Year 5.2% 5 Year 7.4% 10 Year 15 Year Since launch 8.2% Historical performance (Yearly) on absolute basis
Year Returns 2022 3.3% 2021 3.9% 2020 11.8% 2019 10.3% 2018 6.5% 2017 6.5% 2016 10.6% 2015 8.6% 2014 10.9% 2013 7.6% Fund Manager information for HDFC Corporate Bond Fund
Name Since Tenure Anupam Joshi 27 Oct 15 7.85 Yr. Dhruv Muchhal 22 Jun 23 0.19 Yr. Data below for HDFC Corporate Bond Fund as on 31 Jul 23
Asset Allocation
Asset Class Value Cash 3.64% Debt 96.36% Debt Sector Allocation
Sector Value Corporate 48.27% Government 47.93% Cash Equivalent 3.64% Securitized 0.16% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 8.51% Govt Stock 2033
Sovereign Bonds | -6% ₹1,573 Cr 155,000,000 7.879999999999999% Govt Stock 2028
Sovereign Bonds | -4% ₹1,021 Cr 102,500,000 7.93% Govt Stock 2034
Sovereign Bonds | -4% ₹996 Cr 100,000,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹799 Cr 80,000 Hdb Financial Services Limited
Debentures | -3% ₹753 Cr 75,000 7.1% Govt Stock 2029
Sovereign Bonds | -3% ₹747 Cr 75,000,000 State Bank Of India
Debentures | -2% ₹653 Cr 6,500 Mangalore Refinery And Petrochemicals Limited
Debentures | -2% ₹550 Cr 5,670 State Bank Of India
Debentures | -2% ₹529 Cr 5,500 Reliance Industries Limited
Debentures | -2% ₹528 Cr 5,000
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