+91-22-48913909सर्वोत्कृष्ट सरकारी बाँड म्युच्युअल फंड 2022
घसरलेल्या व्याजदरांदरम्यान गुंतवणूक करू इच्छिता?गिल्ट फंड भारतात याचे उत्तर आहे! गिल्टम्युच्युअल फंड व्याजदर घसरण्याच्या काळात त्याच्या परिपक्वता (किंवा कालावधी) वर अवलंबून चांगले परतावा देतात. गुंतवणूकदारगुंतवणूक या फंडांमध्ये त्यांच्या गुंतवणुकीचा मागोवा घेण्यासाठी पुरेसा वेळ असणे आवश्यक आहे कारण या फंडांचे एनएव्ही व्याजदरातील हालचालींसह खूप वेगाने फिरतात. एखाद्याने त्यांच्या गुंतवणुकीच्या अचूक प्रवेश आणि निर्गमन करताना सावधगिरी बाळगणे आवश्यक आहे.
सर्वात महत्त्वाचे म्हणजे, शॉर्टलिस्ट करण्यासाठी महत्त्वाच्या पॅरामीटर्सचा विचार करणे किंवा सर्वोत्तम गिल्ट फंडांमध्ये गुंतवणूक करणे हा तुमचा पोर्टफोलिओ मजबूत करण्याचा इष्टतम मार्ग असू शकतो. सर्वोत्कृष्ट गिल्ट फंडांचे अनुसरण करून आम्ही तुम्हाला त्यापैकी काही पॅरामीटर्सकडे घेऊन जातोसर्वोत्तम कामगिरी करणारे म्युच्युअल फंड 2022 मध्ये गुंतवणूक करा.
सरकारी बाँड फंड म्हणजे काय?
कॉर्पोरेशनला त्यांच्या दैनंदिन गरजांसाठी पैशांची गरज असते आणि म्हणून बँका, म्युच्युअल फंड आणि कर्जदारांकडून कर्ज घ्या.विमा कंपन्या. त्याचप्रमाणे, जेव्हा भारत सरकारला पैशाची गरज असते तेव्हा ते आपल्या बँकर, रिझर्व्हद्वारे कर्ज घेतेबँक भारताचे (RBI).
रिझर्व्ह बँक या बदल्यात बँकांसारख्या सावकारांकडून पैसे घेते.विमा कंपन्या आणि म्युच्युअल फंड; आणि ते सरकारकडे पाठवते आणि त्या बदल्यात जी-सेक जारी करते.
या जी-सेकचा एक विशिष्ट कार्यकाळ असतो, ज्याच्या शेवटी सावकार जी-सेक परत देतात आणि त्यांचे पैसे परत घेतात. अनेक प्रकारकर्ज निधी जी-सेकमध्ये गुंतवणूक करतात परंतु जी-सेक फंड फक्त जी-सेकमध्ये गुंतवणूक करतात. 1994 मध्ये भारतीय म्युच्युअल फंड उद्योगात डेट फंडाची ओळख झाली असली तरी, कोटक महिंद्रा अॅसेट मॅनेजमेंट कंपनी लिमिटेडने डिसेंबर 1998 मध्ये भारतातील पहिला गिल्ट फंड सुरू केला.
सरकारी बाँड फंडात गुंतवणूक का करावी?
जर तुम्हाला डेट मार्केट नीट समजले असेल, तर गिल्ट फंड तुमच्यासाठी आहेत. जर तुम्हाला व्याजदर घसरण्याची अपेक्षा असेल, तर गिल्ट फंडांमध्ये एक लहानशी एक्सपोजर ही चांगली कल्पना आहे कारण, सामान्यतः, हे फंड सर्व डेट फंडापैकी सर्वात जास्त हलवतात जेव्हा व्याजदर बदलतात. लक्षात ठेवा: अशा वेळी, तुम्ही पैसे तेव्हाच कमावता जेव्हा तुम्ही खरोखर तुमचे पैसे काढता आणि कॅश करता.
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2022 मध्ये गुंतवणूक करण्यासाठी सर्वोत्कृष्ट सरकारी बाँड म्युच्युअल फंड
(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. Below is the key information for UTI Gilt Fund Returns up to 1 year are on (Erstwhile Franklin India Government Securities Fund - Long Term Plan) Aims to invest exclusively in government securities of Zero credit or default risk Research Highlights for Franklin India Government Securities Fund Below is the key information for Franklin India Government Securities Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Long Term Gilt Fund) To generate income through investment in Gilts of various maturities. Research Highlights for ICICI Prudential Gilt Fund Below is the key information for ICICI Prudential Gilt Fund Returns up to 1 year are on IDFC – GSF -IP is an open ended dedicated gilt scheme with an objective to generate optimal returns with high liquidity by investing in Government Securities.However there is no assurance that the investment objective of the scheme will be realized. Research Highlights for Bandhan Government Securities Fund - Investment Plan Below is the key information for Bandhan Government Securities Fund - Investment Plan Returns up to 1 year are on Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2025 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity UTI Gilt Fund Growth ₹64.7764
↑ 0.02 ₹543 1.4 2.3 2.7 6.4 5.1 6.71% 6Y 8M 23D 15Y 2M 16D Franklin India Government Securities Fund Growth ₹60.0993
↑ 0.06 ₹164 0.7 1.6 2.1 5.6 5.5 7.37% 7Y 10M 2D 23Y 9M 12D ICICI Prudential Gilt Fund Growth ₹104.744
↑ 0.06 ₹8,858 0 0.4 2 6.5 6.8 7.59% 8Y 4M 20D 20Y 7D Bandhan Government Securities Fund - Investment Plan Growth ₹36.1747
↑ 0.01 ₹1,853 1.7 2.3 1.8 6.4 3.7 7.44% 7Y 5M 16D 19Y 6M Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 13 May 26 Research Highlights & Commentary of 4 Funds showcased
Commentary UTI Gilt Fund Franklin India Government Securities Fund ICICI Prudential Gilt Fund Bandhan Government Securities Fund - Investment Plan Point 1 Lower mid AUM (₹543 Cr). Bottom quartile AUM (₹164 Cr). Highest AUM (₹8,858 Cr). Upper mid AUM (₹1,853 Cr). Point 2 Established history (24+ yrs). Established history (24+ yrs). Oldest track record among peers (26 yrs). Established history (17+ yrs). Point 3 Top rated. Rating: 3★ (lower mid). Rating: 4★ (upper mid). Rating: 3★ (bottom quartile). Point 4 Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Point 5 1Y return: 2.68% (top quartile). 1Y return: 2.06% (upper mid). 1Y return: 1.96% (lower mid). 1Y return: 1.83% (bottom quartile). Point 6 1M return: 0.09% (upper mid). 1M return: 0.21% (top quartile). 1M return: -0.24% (bottom quartile). 1M return: 0.06% (lower mid). Point 7 Sharpe: -0.70 (top quartile). Sharpe: -0.82 (lower mid). Sharpe: -0.81 (upper mid). Sharpe: -0.91 (bottom quartile). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 6.71% (bottom quartile). Yield to maturity (debt): 7.37% (lower mid). Yield to maturity (debt): 7.59% (top quartile). Yield to maturity (debt): 7.44% (upper mid). Point 10 Modified duration: 6.73 yrs (top quartile). Modified duration: 7.84 yrs (lower mid). Modified duration: 8.39 yrs (bottom quartile). Modified duration: 7.46 yrs (upper mid). UTI Gilt Fund
Franklin India Government Securities Fund
ICICI Prudential Gilt Fund
Bandhan Government Securities Fund - Investment Plan
1. UTI Gilt Fund
UTI Gilt Fund
Growth Launch Date 21 Jan 02 NAV (13 May 26) ₹64.7764 ↑ 0.02 (0.03 %) Net Assets (Cr) ₹543 on 31 Mar 26 Category Debt - Government Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.92 Sharpe Ratio -0.71 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.71% Effective Maturity 15 Years 2 Months 16 Days Modified Duration 6 Years 8 Months 23 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,199 30 Apr 23 ₹10,820 30 Apr 24 ₹11,501 30 Apr 25 ₹12,823 30 Apr 26 ₹13,107 Returns for UTI Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 May 26 Duration Returns 1 Month 0.1% 3 Month 1.4% 6 Month 2.3% 1 Year 2.7% 3 Year 6.4% 5 Year 5.5% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2025 5.1% 2024 8.9% 2023 6.7% 2022 2.9% 2021 2.3% 2020 10.3% 2019 11.8% 2018 6.3% 2017 4.3% 2016 15.5% Fund Manager information for UTI Gilt Fund
Name Since Tenure Pankaj Pathak 8 Apr 25 1.06 Yr. Data below for UTI Gilt Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 13.8% Debt 86.2% Debt Sector Allocation
Sector Value Government 86.2% Cash Equivalent 13.8% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Day Tbill
Sovereign Bonds | -29% ₹159 Cr 1,666,050,000
↑ 1,666,050,000 Tbill
Sovereign Bonds | -18% ₹96 Cr 1,000,000,000 6.9% Govt Stock 2065
Sovereign Bonds | -14% ₹77 Cr 850,000,000 6.79% Govt Stock 2027
Sovereign Bonds | -9% ₹50 Cr 500,000,000
↑ 500,000,000 7.24% Govt Stock 2055
Sovereign Bonds | -4% ₹24 Cr 250,000,000
↓ -500,000,000 Rajasthan (Government of ) 7.65%
- | -4% ₹22 Cr 224,630,000 7.18% Tamilnadu SDL 2027
Sovereign Bonds | -3% ₹15 Cr 150,000,000
↑ 150,000,000 Chhattisgarh (Government of) 7.37%
- | -3% ₹15 Cr 150,000,000 7.3% Uttarakhand Sgs 2032
Sovereign Bonds | -2% ₹8 Cr 85,730,000 7.77% Andhra Sdl 2028
Sovereign Bonds | -1% ₹5 Cr 50,000,000 2. Franklin India Government Securities Fund
Franklin India Government Securities Fund
Growth Launch Date 7 Dec 01 NAV (13 May 26) ₹60.0993 ↑ 0.06 (0.10 %) Net Assets (Cr) ₹164 on 31 Mar 26 Category Debt - Government Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.14 Sharpe Ratio -0.82 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.37% Effective Maturity 23 Years 9 Months 12 Days Modified Duration 7 Years 10 Months 2 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,241 30 Apr 23 ₹10,716 30 Apr 24 ₹11,256 30 Apr 25 ₹12,409 30 Apr 26 ₹12,650 Returns for Franklin India Government Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 May 26 Duration Returns 1 Month 0.2% 3 Month 0.7% 6 Month 1.6% 1 Year 2.1% 3 Year 5.6% 5 Year 4.8% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2025 5.5% 2024 7.3% 2023 5.5% 2022 2.5% 2021 2.1% 2020 8.5% 2019 8% 2018 4.3% 2017 0.1% 2016 15.7% Fund Manager information for Franklin India Government Securities Fund
Name Since Tenure Rahul Goswami 6 Oct 23 2.57 Yr. Anuj Tagra 7 Mar 24 2.15 Yr. Data below for Franklin India Government Securities Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 4.43% Debt 95.57% Debt Sector Allocation
Sector Value Government 95.57% Cash Equivalent 4.43% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.9% Govt Stock 2065
Sovereign Bonds | -47% ₹76 Cr 8,279,400
↑ 400,000 Maharashtra (Government of) 7.66%
- | -18% ₹30 Cr 3,000,000
↑ 3,000,000 7.73% Andhra Sgs 2032
Sovereign Bonds | -9% ₹15 Cr 1,500,000 7.62% Punjab Sgs 2033
Sovereign Bonds | -9% ₹15 Cr 1,500,000 7.86% Haryana Sdl 2032
Sovereign Bonds | -6% ₹10 Cr 1,000,000 7.17% Rajasthan Sdl 2032
Sovereign Bonds | -3% ₹5 Cr 500,000 Bihar State Development Loans
Sovereign Bonds | -2% ₹3 Cr 312,440 7.64% Uttarakhand Sgs 2032
Sovereign Bonds | -0% ₹1 Cr 68,680 7.32% Chhattisgarh Sgs 2037
Sovereign Bonds | -0% ₹1 Cr 52,560 7.32% Westbengal Sgs 2038
Sovereign Bonds | -0% ₹0 Cr 50,000 3. ICICI Prudential Gilt Fund
ICICI Prudential Gilt Fund
Growth Launch Date 19 Aug 99 NAV (13 May 26) ₹104.744 ↑ 0.06 (0.06 %) Net Assets (Cr) ₹8,858 on 31 Mar 26 Category Debt - Government Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.09 Sharpe Ratio -0.81 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 20 Years 7 Days Modified Duration 8 Years 4 Months 20 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,314 30 Apr 23 ₹11,040 30 Apr 24 ₹11,845 30 Apr 25 ₹13,140 30 Apr 26 ₹13,402 Returns for ICICI Prudential Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 May 26 Duration Returns 1 Month -0.2% 3 Month 0% 6 Month 0.4% 1 Year 2% 3 Year 6.5% 5 Year 6% 10 Year 15 Year Since launch 9.2% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.8% 2024 8.2% 2023 8.3% 2022 3.7% 2021 3.8% 2020 12.6% 2019 10.8% 2018 6.8% 2017 2.1% 2016 18.2% Fund Manager information for ICICI Prudential Gilt Fund
Name Since Tenure Manish Banthia 22 Jan 24 2.27 Yr. Raunak Surana 22 Jan 24 2.27 Yr. Data below for ICICI Prudential Gilt Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 13.13% Debt 86.87% Debt Sector Allocation
Sector Value Government 86.87% Cash Equivalent 13.13% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.9% Govt Stock 2065
Sovereign Bonds | -14% ₹1,197 Cr 134,466,750
↓ -833,250 7.24% Govt Stock 2055
Sovereign Bonds | -9% ₹816 Cr 86,659,160
↑ 11,300,000 7.34% Govt Stock 2064
Sovereign Bonds | -8% ₹750 Cr 79,038,200 6.48% Govt Stock 2035
Sovereign Bonds | -8% ₹722 Cr 75,000,000
↑ 75,000,000 Tbill
Sovereign Bonds | -4% ₹372 Cr 37,500,000
↑ 37,500,000 7.15% Maharashtra Sgs 2049
Sovereign Bonds | -3% ₹277 Cr 30,000,000 7.13% Maharashtra Sgs 2048
Sovereign Bonds | -3% ₹269 Cr 29,159,500 Telangana (Government of)
- | -3% ₹263 Cr 26,433,600 Tbill
Sovereign Bonds | -3% ₹249 Cr 25,000,000
↑ 25,000,000 7.12% Uttarpradesh Sgs 2033
Sovereign Bonds | -3% ₹243 Cr 25,000,000 4. Bandhan Government Securities Fund - Investment Plan
Bandhan Government Securities Fund - Investment Plan
Growth Launch Date 3 Dec 08 NAV (13 May 26) ₹36.1747 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹1,853 on 31 Mar 26 Category Debt - Government Bond AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.13 Sharpe Ratio -0.91 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.44% Effective Maturity 19 Years 6 Months Modified Duration 7 Years 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,241 30 Apr 23 ₹10,757 30 Apr 24 ₹11,446 30 Apr 25 ₹12,893 30 Apr 26 ₹12,962 Returns for Bandhan Government Securities Fund - Investment Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 May 26 Duration Returns 1 Month 0.1% 3 Month 1.7% 6 Month 2.3% 1 Year 1.8% 3 Year 6.4% 5 Year 5.4% 10 Year 15 Year Since launch 7.7% Historical performance (Yearly) on absolute basis
Year Returns 2025 3.7% 2024 10.6% 2023 6.8% 2022 1.4% 2021 2.1% 2020 13.7% 2019 13.3% 2018 7.8% 2017 3.1% 2016 13.9% Fund Manager information for Bandhan Government Securities Fund - Investment Plan
Name Since Tenure Suyash Choudhary 15 Oct 10 15.55 Yr. Brijesh Shah 10 Jun 24 1.89 Yr. Data below for Bandhan Government Securities Fund - Investment Plan as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 1.61% Debt 98.39% Debt Sector Allocation
Sector Value Government 98.39% Cash Equivalent 1.61% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.9% Govt Stock 2065
Sovereign Bonds | -47% ₹1,158 Cr 126,500,000
↑ 45,700,000 6.68% Govt Stock 2040
Sovereign Bonds | -39% ₹963 Cr 101,000,000
↑ 68,300,000 7.61% Maharashtra Sdl 2029
Sovereign Bonds | -9% ₹229 Cr 22,500,000 7.73% Maharashtra Sgs 2032
Sovereign Bonds | -2% ₹51 Cr 5,000,000 7.3% Tamilnadu SDL 2032
Sovereign Bonds | -2% ₹40 Cr 4,000,000 6.79% Govt Stock 2031
Sovereign Bonds | -0% ₹1 Cr 100,000 Triparty Repo Trp_160426
CBLO/Reverse Repo | -1% ₹36 Cr Net Current Assets
Net Current Assets | -0% ₹3 Cr Cash Margin - Ccil
CBLO/Reverse Repo | -0% ₹1 Cr 5.77% Govt Stock 2030
Sovereign Bonds | -₹0 Cr 00
↓ -13,000,000
2022 मध्ये गुंतवणूक करण्यासाठी सर्वोत्तम 10 वर्ष-सरकारी बाँड म्युच्युअल फंड
(Erstwhile IDFC Government Securities Fund - Short Term Plan) IDFC – GSF -ST is an open ended dedicated gilt scheme with an objective to generate optimal returns with high liquidity by investing Government Securities.
However there is no assurance that the investment objective of the scheme will be realized. Research Highlights for Bandhan Government Securities Fund - Constant Maturity Plan Below is the key information for Bandhan Government Securities Fund - Constant Maturity Plan Returns up to 1 year are on The Scheme aims to provide reasonable returns by investing in portfolio of Government Securities with average maturity of around 10 years. However, there can be no assurance that the investment objective of the
Scheme will be realized. Research Highlights for ICICI Prudential Constant Maturity Gilt Fund Below is the key information for ICICI Prudential Constant Maturity Gilt Fund Returns up to 1 year are on (Erstwhile SBI Magnum Gilt Fund Short Term) To provide the investors with the returns generated through investments in government securities issued by the Central Govt. and State Govt. Research Highlights for SBI Magnum Constant Maturity Fund Below is the key information for SBI Magnum Constant Maturity Fund Returns up to 1 year are on (Erstwhile DSP BlackRock Constant Maturity 10Y G-Sec Fund) The investment objective of the Scheme is to seek to generate returns commensurate with risk from a portfolio of Government Securities with weighted average maturity of around 10 years. There is no assurance that the investment objective of the Scheme will be realized. Research Highlights for DSP 10Y G-Sec Fund Below is the key information for DSP 10Y G-Sec Fund Returns up to 1 year are on Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2025 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Bandhan Government Securities Fund - Constant Maturity Plan Growth ₹46.8996
↑ 0.02 ₹331 -0.2 0.7 2.4 6.8 7.5 7.21% 6Y 5M 8D 9Y 2M 23D ICICI Prudential Constant Maturity Gilt Fund Growth ₹25.2319
↑ 0.00 ₹2,312 -0.4 0.3 2.2 6.5 7.5 7.24% 6Y 9M 14D 10Y 18D SBI Magnum Constant Maturity Fund Growth ₹64.6733
↑ 0.04 ₹1,699 -0.7 -0.2 1.4 6.1 6.7 7.25% 6Y 9M 7D 9Y 7M 28D DSP 10Y G-Sec Fund Growth ₹21.9054
↓ 0.00 ₹51 -0.9 -1 0.6 5.7 6.2 7.14% 6Y 7M 17D 9Y 4M 13D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 13 May 26 Research Highlights & Commentary of 4 Funds showcased
Commentary Bandhan Government Securities Fund - Constant Maturity Plan ICICI Prudential Constant Maturity Gilt Fund SBI Magnum Constant Maturity Fund DSP 10Y G-Sec Fund Point 1 Lower mid AUM (₹331 Cr). Highest AUM (₹2,312 Cr). Upper mid AUM (₹1,699 Cr). Bottom quartile AUM (₹51 Cr). Point 2 Established history (24+ yrs). Established history (11+ yrs). Oldest track record among peers (25 yrs). Established history (11+ yrs). Point 3 Rating: 3★ (upper mid). Rating: 3★ (lower mid). Top rated. Rating: 3★ (bottom quartile). Point 4 Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderate. Point 5 1Y return: 2.42% (top quartile). 1Y return: 2.16% (upper mid). 1Y return: 1.39% (lower mid). 1Y return: 0.56% (bottom quartile). Point 6 1M return: -0.10% (upper mid). 1M return: -0.04% (top quartile). 1M return: -0.17% (lower mid). 1M return: -0.31% (bottom quartile). Point 7 Sharpe: -0.55 (top quartile). Sharpe: -0.58 (upper mid). Sharpe: -0.75 (lower mid). Sharpe: -1.07 (bottom quartile). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 7.21% (lower mid). Yield to maturity (debt): 7.24% (upper mid). Yield to maturity (debt): 7.25% (top quartile). Yield to maturity (debt): 7.14% (bottom quartile). Point 10 Modified duration: 6.44 yrs (top quartile). Modified duration: 6.79 yrs (bottom quartile). Modified duration: 6.77 yrs (lower mid). Modified duration: 6.63 yrs (upper mid). Bandhan Government Securities Fund - Constant Maturity Plan
ICICI Prudential Constant Maturity Gilt Fund
SBI Magnum Constant Maturity Fund
DSP 10Y G-Sec Fund
1. Bandhan Government Securities Fund - Constant Maturity Plan
Bandhan Government Securities Fund - Constant Maturity Plan
Growth Launch Date 9 Mar 02 NAV (13 May 26) ₹46.8996 ↑ 0.02 (0.03 %) Net Assets (Cr) ₹331 on 31 Mar 26 Category Debt - 10 Yr Govt Bond AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.48 Sharpe Ratio -0.55 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.21% Effective Maturity 9 Years 2 Months 23 Days Modified Duration 6 Years 5 Months 8 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,015 30 Apr 23 ₹10,665 30 Apr 24 ₹11,352 30 Apr 25 ₹12,814 30 Apr 26 ₹13,092 Returns for Bandhan Government Securities Fund - Constant Maturity Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 May 26 Duration Returns 1 Month -0.1% 3 Month -0.2% 6 Month 0.7% 1 Year 2.4% 3 Year 6.8% 5 Year 5.5% 10 Year 15 Year Since launch 6.6% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.5% 2024 9.7% 2023 7.4% 2022 0.7% 2021 1.8% 2020 13.2% 2019 14.2% 2018 11.8% 2017 6.2% 2016 10.1% Fund Manager information for Bandhan Government Securities Fund - Constant Maturity Plan
Name Since Tenure Harshal Joshi 15 May 17 8.97 Yr. Brijesh Shah 10 Jun 24 1.89 Yr. Data below for Bandhan Government Securities Fund - Constant Maturity Plan as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 3.59% Debt 96.41% Debt Sector Allocation
Sector Value Government 96.41% Cash Equivalent 3.59% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.54% Govt Stock 2036
Sovereign Bonds | -65% ₹213 Cr 20,500,000
↓ -500,000 6.68% Govt Stock 2040
Sovereign Bonds | -22% ₹72 Cr 7,500,000
↑ 7,500,000 7.18% Govt Stock 2033
Sovereign Bonds | -5% ₹16 Cr 1,600,000
↓ -7,500,000 7.1% Govt Stock 2034
Sovereign Bonds | -5% ₹15 Cr 1,500,000 8.24% Govt Stock 2027
Sovereign Bonds | -0% ₹0 Cr 44,000 Net Current Assets
Net Current Assets | -2% ₹7 Cr Triparty Repo Trp_160426
CBLO/Reverse Repo | -1% ₹4 Cr Cash Margin - Ccil
CBLO/Reverse Repo | -0% ₹0 Cr 2. ICICI Prudential Constant Maturity Gilt Fund
ICICI Prudential Constant Maturity Gilt Fund
Growth Launch Date 12 Sep 14 NAV (13 May 26) ₹25.2319 ↑ 0.00 (0.02 %) Net Assets (Cr) ₹2,312 on 31 Mar 26 Category Debt - 10 Yr Govt Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.39 Sharpe Ratio -0.58 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-7 Days (0.25%),7 Days and above(NIL) Yield to Maturity 7.24% Effective Maturity 10 Years 18 Days Modified Duration 6 Years 9 Months 14 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,124 30 Apr 23 ₹10,810 30 Apr 24 ₹11,477 30 Apr 25 ₹12,925 30 Apr 26 ₹13,185 Returns for ICICI Prudential Constant Maturity Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 May 26 Duration Returns 1 Month 0% 3 Month -0.4% 6 Month 0.3% 1 Year 2.2% 3 Year 6.5% 5 Year 5.6% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.5% 2024 9.3% 2023 7.7% 2022 1.2% 2021 2.8% 2020 13.6% 2019 12.8% 2018 9.7% 2017 2.4% 2016 16.2% Fund Manager information for ICICI Prudential Constant Maturity Gilt Fund
Name Since Tenure Manish Banthia 22 Jan 24 2.27 Yr. Raunak Surana 22 Jan 24 2.27 Yr. Data below for ICICI Prudential Constant Maturity Gilt Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 10.53% Debt 89.47% Debt Sector Allocation
Sector Value Government 89.47% Cash Equivalent 10.53% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.48% Govt Stock 2035
Sovereign Bonds | -30% ₹695 Cr 72,130,100
↓ -3,000,000 6.64% Govt Stock 2035
Sovereign Bonds | -22% ₹501 Cr 51,500,000 7.41% Govt Stock 2036
Sovereign Bonds | -15% ₹342 Cr 33,500,000 6.68% Govt Stock 2040
Sovereign Bonds | -14% ₹317 Cr 33,992,500
↓ -2,500,000 7.18% Govt Stock 2037
Sovereign Bonds | -14% ₹316 Cr 31,700,000
↑ 500,000 6.67% Govt Stock 2035
Sovereign Bonds | -1% ₹24 Cr 2,500,000 6.79% Govt Stock 2034
Sovereign Bonds | -1% ₹19 Cr 1,960,450
↓ -1,500,000 7.1% Govt Stock 2034
Sovereign Bonds | -0% ₹4 Cr 417,320 Interest Rate Swaps- Md -06-Jan-2031 (Pay Fixed/Receive Float)
- | -6% -₹150 Cr Cash Offsets For Shorts & Derivatives
Derivative Margin | -6% ₹150 Cr 3. SBI Magnum Constant Maturity Fund
SBI Magnum Constant Maturity Fund
Growth Launch Date 30 Dec 00 NAV (13 May 26) ₹64.6733 ↑ 0.04 (0.06 %) Net Assets (Cr) ₹1,699 on 31 Mar 26 Category Debt - 10 Yr Govt Bond AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.63 Sharpe Ratio -0.75 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.25% Effective Maturity 9 Years 7 Months 28 Days Modified Duration 6 Years 9 Months 7 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹10,105 30 Apr 23 ₹10,798 30 Apr 24 ₹11,459 30 Apr 25 ₹12,864 30 Apr 26 ₹13,017 Returns for SBI Magnum Constant Maturity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 May 26 Duration Returns 1 Month -0.2% 3 Month -0.7% 6 Month -0.2% 1 Year 1.4% 3 Year 6.1% 5 Year 5.4% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.7% 2024 9.1% 2023 7.5% 2022 1.3% 2021 2.4% 2020 11.6% 2019 11.9% 2018 9.9% 2017 6.2% 2016 12.8% Fund Manager information for SBI Magnum Constant Maturity Fund
Name Since Tenure Sudhir Agarwal 1 Jul 25 0.83 Yr. Data below for SBI Magnum Constant Maturity Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 1.81% Debt 98.19% Debt Sector Allocation
Sector Value Government 98.19% Cash Equivalent 1.81% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.48% Govt Stock 2035
Sovereign Bonds | -57% ₹968 Cr 99,500,000
↓ -1,500,000 7.18% Govt Stock 2037
Sovereign Bonds | -14% ₹243 Cr 23,999,500 6.79% Govt Stock 2034
Sovereign Bonds | -14% ₹243 Cr 24,500,000 Maharashtra (Government of) 7.57%
- | -12% ₹200 Cr 20,000,000 Treps
CBLO/Reverse Repo | -1% ₹24 Cr Net Receivable / Payable
CBLO | -0% ₹7 Cr 4. DSP 10Y G-Sec Fund
DSP 10Y G-Sec Fund
Growth Launch Date 26 Sep 14 NAV (13 May 26) ₹21.9054 ↓ 0.00 (0.00 %) Net Assets (Cr) ₹51 on 31 Mar 26 Category Debt - 10 Yr Govt Bond AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk Moderate Expense Ratio 0.51 Sharpe Ratio -1.07 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 7.14% Effective Maturity 9 Years 4 Months 13 Days Modified Duration 6 Years 7 Months 17 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 21 ₹10,000 30 Apr 22 ₹9,736 30 Apr 23 ₹10,383 30 Apr 24 ₹11,016 30 Apr 25 ₹12,318 30 Apr 26 ₹12,382 Returns for DSP 10Y G-Sec Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 May 26 Duration Returns 1 Month -0.3% 3 Month -0.9% 6 Month -1% 1 Year 0.6% 3 Year 5.7% 5 Year 4.3% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.2% 2024 9% 2023 7.7% 2022 0.1% 2021 0.7% 2020 11.8% 2019 10.8% 2018 5.9% 2017 2.3% 2016 15.5% Fund Manager information for DSP 10Y G-Sec Fund
Name Since Tenure Shantanu Godambe 1 Jul 23 2.83 Yr. Data below for DSP 10Y G-Sec Fund as on 31 Mar 26
Asset Allocation
Asset Class Value Cash 4.81% Debt 95.19% Debt Sector Allocation
Sector Value Government 95.19% Cash Equivalent 4.81% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.48% Govt Stock 2035
Sovereign Bonds | -95% ₹49 Cr 5,025,000 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -3% ₹2 Cr Net Receivables/Payables
Net Current Assets | -1% ₹1 Cr
परतावा आणि जोखीम
कर्जातील सर्व साधनांपैकी जी-सेक हे सर्वात जास्त द्रव असल्यानेबाजार, जी-सेक फंडामध्ये क्रेडिट जोखीम नसते कारण भारत सरकार कर्जदार आहे. कारण सरकार सहसा करत नाहीडीफॉल्ट कॉर्पोरेटच्या विपरीत, गिल्ट फंड क्रेडिट जोखीम घेत नाहीत.
त्यामुळेच सरकारी रोख्यांना सार्वभौम दर्जा दिला जातो. ते तितकेच चांगले आहे—किंवा पेक्षा चांगले मानले जाते—अएएए रेटिंग
जोखीम
याचा अर्थ जी-सेक फंडामध्ये कोणताही धोका नसतो का? नाही. ते व्याजदर जोखीम घेतात. सामान्यतः, जी-सेक फंड दीर्घ कालावधीत परिपक्व होणाऱ्या सिक्युरिटीजमध्ये गुंतवणूक करतात. कर्ज सुरक्षेची परिपक्वता जसजशी वाढत जाते, तसतसे ते व्याजदराच्या हालचालींसाठी अधिक संवेदनशील बनते.
व्याजदर कमी झाल्यास कर्ज रोख्यांच्या किमती वाढतात. उच्च मॅच्युरिटी स्क्रिप्सच्या किमती बाकीच्या तुलनेत अधिक वाढतात. त्याचप्रमाणे, जेव्हा व्याजदर वाढतात तेव्हा कर्ज रोख्यांच्या किमती कमी होतात. येथे आहे जिथे जी-सेक फंडांना सर्वात जास्त त्रास होऊ शकतो, कारण त्यांची सरासरी परिपक्वता सामान्यतः सर्वाधिक असते.
सामान्यतः, जी-सेक फंडाची सरासरी परिपक्वता फंड हाऊसच्या स्वतःच्या बाँड फंडापेक्षा जास्त असते जी त्याच्या पोर्टफोलिओचा काही भाग गिल्टमध्ये गुंतवते. खरं तर, बाँड फंड मॅनेजरसाठी, बाँड फंडाची मॅच्युरिटी वाढवण्याचा सर्वात सोपा मार्ग म्हणजे गिल्ट्स खरेदी करणे. म्हणून, गिल्ट फंड सहसा बाँड फंडांपेक्षा अधिक अस्थिर असतात.
परतावा
क्रिसिल या रेटिंग एजन्सीने आम्हाला दिलेल्या आकड्यांनुसार, गिल्ट फंडांनी 3 वर्षांचा परतावा दिला आहे.१६% आणि जानेवारी 2007 आणि आत्ताच्या दरम्यान शून्य रिटर्न्सपेक्षाही कमी-ज्याचा अर्थ त्यांनी पैसेही गमावले आहेत. याच कालावधीतील 5 वर्षांचा परतावा इतका उच्चांकी गेला आहे१३% आणि म्हणून कमी1.02%.
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वारंवार विचारले जाणारे प्रश्न
1. सरकारी रोखे म्हणजे काय?
अ: सरकारी रोखेही सरकारप्रमाणेच काम करतातबंध, परंतु त्यांचे मूळ थोडे वेगळे आहे. रिझर्व्ह बँक ऑफ इंडियाच्या आदेशानुसार सरकार जी-सेक जारी करते. जेव्हा सरकार RBI कडून पैसे घेते तेव्हा मध्यवर्ती बँक बँका आणि विमा कंपन्यांकडून पैसे गोळा करते. त्यानंतर ते सरकारचे कर्ज पास करते आणि सरकार गुंतवणूकदारांकडून सरकारी रोख्यांच्या स्वरूपात पैसे गोळा करते.
2. सरकारी रोख्यांमध्ये कोण गुंतवणूक करू शकते?
अ: याआधी फक्त मोठे व्यावसायिक उद्योग सरकारी रोख्यांमध्ये गुंतवणूक करायचे. तथापि, आजकाल, वैयक्तिक गुंतवणूकदार सरकारी रोख्यांमध्ये गुंतवणूक करून सरकारी रोखे खरेदी करू शकतातएडलवाईस सरकारी सिक्युरिटीज फंड, अॅक्सिस गिल्ट फंड आणि ICICI प्रुडेन्शियल गिल्ट फंड.
3. सरकारी रोखे करपात्र आहेत का?
अ: होय, सरकारी रोख्यांमधून तुम्ही कमावलेला नफा करपात्र आहे, परंतु तुम्ही करपात्र स्लॅब अंतर्गत येत असाल तरच.
4. कोणतेही करमुक्त सरकारी रोखे आहेत का?
अ: होय, काही करमुक्त सरकारी रोखे जसे की ग्रामीण विद्युतीकरण महामंडळ किंवा REC आणि गृहनिर्माण विकास महामंडळ किंवा HUDCO सारख्या सार्वजनिक क्षेत्रातील उपक्रमांद्वारे जारी केलेले. तथापि, दकमाई करमुक्त सरकारी रोखे हे नेहमी करपात्रांपेक्षा कमी असतात.
5. करमुक्त रोखे करपात्र आहेत का?
अ: होय, जर तुम्ही एका वर्षानंतर ते विकले तर तुम्हाला तुमच्या करमुक्त सरकारी बाँडवर 10% कर भरावा लागेल. या प्रकरणात, ते दीर्घकालीन अंतर्गत वर्गीकृत केले जाईलभांडवल नफा आणि म्हणून, करपात्र होतात.
6. सरकारी रोख्यांमध्ये काही धोका आहे का?
अ: सरकारी बाँड्समध्ये डीफॉल्टचा कोणताही धोका नसतो. जर तुम्ही सरकारी रोख्यांमध्ये गुंतवणूक केली तर तुम्हाला तुमच्या गुंतवणुकीवर चांगला परतावा मिळेल याची खात्री देता येईल. याव्यतिरिक्त, या बाँड्सवर बाजारातील अस्थिरतेचा नेहमीच विपरित परिणाम होतो. त्यामुळे, हे तुमच्या गुंतवणुकीला काही प्रमाणात स्थिरता प्रदान करतात.
7. मी सरकारी रोख्यांचे मूल्यमापन कसे करू?
अ: जेव्हा तुम्ही सरकारी रोख्यांमध्ये गुंतवणूक करता तेव्हा तुम्हाला याचा विचार करावा लागतोनाही आणि ऐतिहासिक वाढ दर. उदाहरणार्थ, जर तुम्ही एडलवाईस गव्हर्नमेंट सिक्युरिटीज फंडाचा विचार केला तर, ज्याची एनएव्ही रु. 18.7977 आणि 13.6% वाढीचा दर आणि त्याची तुलना ICICI प्रुडेन्शियल गिल्ट फंडाशी आहे, ज्याची NAV रु. 77.1462 आणि 12.6% वाढीचा दर, नंतरची गुंतवणूक नंतरच्या तुलनेत चांगली आहे. अशा प्रकारे, तुम्ही सरकारी रोख्यांची तुलना करताना, तुम्हाला NAV आणि वाढीचा दर विचारात घ्यावा लागेल.
8. सरकारी रोख्यांमध्ये गुंतवणूक करण्याचा सर्वात महत्त्वाचा फायदा कोणता आहे?
अ: जोखीम घेण्यास प्रतिकूल असलेल्या व्यक्तींसाठी सरकारी रोख्यांमध्ये गुंतवणूक करणे योग्य आहे. सरकारने जारी केलेल्या रोख्यांवर परिणाम होत नाहीमहागाई आणि बाजारातील अस्थिरता, आपण अपरिहार्यतेची खात्री बाळगू शकतागुंतवणुकीवर परतावा बाँड परिपक्व आहेत. म्हणूनच, ज्या व्यक्तींना त्यांच्या गुंतवणूकीच्या पोर्टफोलिओचे संरक्षण करायचे आहे आणि जोखीम घेऊ इच्छित नाही त्यांच्यासाठी हा गुंतवणुकीचा आदर्श प्रकार आहे.
येथे प्रदान केलेली माहिती अचूक असल्याची खात्री करण्यासाठी सर्व प्रयत्न केले गेले आहेत. तथापि, डेटाच्या अचूकतेबद्दल कोणतीही हमी दिली जात नाही. कृपया कोणतीही गुंतवणूक करण्यापूर्वी योजना माहिती दस्तऐवजासह सत्यापित करा.
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