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दीर्घकालीन कर्ज निधी- तुम्ही कधी गुंतवणूक करावी?
दीर्घकालीन कर्ज निधी हा एक प्रकारचा कर्ज आहेम्युच्युअल फंड जे कॉर्पोरेटमध्ये गुंतवणूक करतातबंध आणि सरकारी सिक्युरिटीज (जी-सेक) ज्यांचा दीर्घकालीन परिपक्वता कालावधी आहे. या फंडांची सरासरी परिपक्वता 3 वर्षांपेक्षा जास्त असते, बहुतेक वेळा. म्हणूनच, हे फंड अशा गुंतवणूकदारांसाठी योग्य आहेत जे मध्य ते दीर्घ मुदतीची कमाई करू इच्छितातगुंतवणूक योजना म्हणजे, साधारणपणे 3-5 वर्षे किंवा त्याहूनही अधिक. दीर्घ मुदतीचे कर्ज फंड कसे कार्य करतात आणि 2022 मध्ये गुंतवणूक करण्यासाठी सर्वोत्तम दीर्घकालीन बाँड फंड कोणते आहेत ते समजून घेऊ.
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दीर्घकालीन कर्ज निधी- दीर्घकालीन गुंतवणूकीची योजना
दीर्घकालीन कर्ज निधी त्यांची मोठी गुंतवणूक करतातअंतर्निहित कॉर्पोरेट डिबेंचर्स, बॉण्ड्स आणि सारख्या कर्ज साधनांमधील मालमत्तापैसा बाजार उच्च परिपक्वता कालावधीसह उपकरणे आणि सरकारी रोखे. गुंतवणूकदारांनी दीर्घ मुदतीच्या कर्ज निधीमध्ये गुंतवणूक केली पाहिजे जर त्यांच्याकडे 3 वर्षांपेक्षा जास्त कालावधीची गुंतवणूक कालावधी असेल. तसेच, हा फंड फक्त अशा गुंतवणूकदारांसाठी योग्य आहे जे गुंतवणुकीत काही प्रमाणात जोखीम घेण्यास इच्छुक आहेत.
दीर्घकालीन डेट फंड हे व्याजदरातील बदलांसाठी संवेदनशील असतात आणि डेट फंडांच्या इतर श्रेणींपेक्षा अधिक अस्थिर असतात. व्याजदर आणि कर्ज साधनांच्या किमती यांचा व्यस्त संबंध असतो, याचा अर्थ ते विरुद्ध दिशेने जातात. उदाहरणार्थ, कर्ज निधी किंवा बाँड फंडांसाठी घसरलेला व्याजदर चांगला आहे. दीर्घकालीनउत्पन्न जेव्हा व्याजदर खाली सरकत असतात तेव्हा फंडांना फायदा होतो. शिवाय, व्याजदर घसरत असताना रोख्यांच्या किमती वाढतात आणि त्यामुळे वाढ होतेNAVs याकर्ज निधी योजना
घसरलेल्या व्याजदराच्या परिस्थितीत, अशा रोख्यांची सरासरी परिपक्वता सुमारे 7-10 वर्षांपर्यंत जाऊ शकते. जेव्हा व्याजदर वाढतात तेव्हा ते कमी मुदतीच्या सिक्युरिटीजचा साठा करतात आणि पोर्टफोलिओची सरासरी परिपक्वता कमी ठेवतात.
अधिकतर, व्याजदर कमी होण्याची अपेक्षा असताना दीर्घकालीन बाँड फंडामध्ये गुंतवणूक करण्याचा सल्ला दिला जातो कारण व्याजदर कमी झाल्यामुळे दीर्घकालीन सिक्युरिटीजच्या किमती वाढतात. ज्या गुंतवणूकदारांना व्याजदरात चढ-उतार होण्यास सोयीस्कर आहेबाजार, फक्त प्राधान्य दिले पाहिजेगुंतवणूक दीर्घकालीन कर्ज निधीमध्ये.
परतावा आणि जोखीम
हे फंड जास्त परतावा देण्यासाठी असतातबँक मुदत ठेवी. शिवाय, तीन वर्षांपेक्षा जास्त काळ ठेवल्यास, परतावा अधिक कर कार्यक्षम असतो. परंतु, जोखमीच्या बाजूने, जेव्हा व्याजदर अचानक दिशा बदलतात तेव्हा हे फंड अस्थिर होऊ शकतात. सतत वाढणाऱ्या व्याजदराच्या व्यवस्थेत, हे फंड माफक परतावा देतात कारण ते दीर्घ मुदतीचे बाँड विकू शकत नाहीत आणि लहान मुदतीच्या स्क्रिप्टवर स्विच करू शकत नाहीत.
दीर्घकालीन कर्ज निधी कर आकारणी
डेट फंडावरील कराची गणना खालील पद्धतीने केली जाते-
शॉर्ट टर्म कॅपिटल गेन
जर कर्ज गुंतवणुकीचा होल्डिंग कालावधी 36 महिन्यांपेक्षा कमी असेल, तर ती अल्प-मुदतीची गुंतवणूक म्हणून वर्गीकृत केली जाते आणि त्यावर व्यक्तीच्या कर स्लॅबनुसार कर आकारला जातो.
दीर्घकालीन भांडवली नफा
जर कर्ज गुंतवणुकीचा होल्डिंग कालावधी 36 महिन्यांपेक्षा जास्त असेल, तर ती दीर्घकालीन गुंतवणूक म्हणून वर्गीकृत केली जाते आणि इंडेक्सेशन लाभासह 20% कर आकारला जातो.
| भांडवल फायदा होतो | गुंतवणूक होल्डिंग नफा | कर आकारणी |
|---|---|---|
| अल्पकालीनभांडवली नफा | 36 महिन्यांपेक्षा कमी | व्यक्तीच्या कर स्लॅबनुसार |
| दीर्घकालीन भांडवली नफा | 36 महिन्यांहून अधिक | इंडेक्सेशन लाभांसह 20% |
दीर्घकालीन बाँड फंडात गुंतवणूक कशी करावी?
गुंतवणूकदार दोन प्रकारे गुंतवणूक करू शकतात-SIP किंवा एकरकमी. सरासरी गुंतवणूकदारांसाठी, SIP (सिस्टमॅटिक इन्व्हेस्टमेंट प्लॅन) हा सर्वात व्यवहार्य पर्याय आहे. हे तुम्हाला मासिक/तिमाही/वार्षिक गुंतवणुकीचा पद्धतशीर पर्याय देतेआधार. एकरकमी, गुंतवणूकदारांना योजनेमध्ये एक-वेळ डाउन पेमेंट म्हणून लक्षणीय रक्कम गुंतवावी लागते. एकरकमीसाठी किमान गुंतवणूक रक्कम INR 5000 आहे, तर SIP साठी ती INR 500 आहे.
2022 मध्ये गुंतवणूक करण्यासाठी सर्वोत्तम दीर्घकालीन बाँड फंड
Fund NAV Net Assets (Cr) Min Investment Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity DSP BlackRock Government Securities Fund Growth ₹97.5223
↓ -0.13 ₹1,737 1,000 500 5.1 6.5 11.7 8.8 10.1 6.8% 10Y 5M 23D 27Y 9M 25D Axis Gilt Fund Growth ₹25.9003
↓ -0.04 ₹836 5,000 1,000 4.8 6.5 11.7 8.5 10 6.77% 11Y 7D 27Y 3M 29D HDFC Gilt Fund Growth ₹56.0991
↓ -0.04 ₹3,006 5,000 300 4.6 6.5 11.4 8.4 8.7 6.63% 8Y 6M 11D 17Y 3M 22D SBI Magnum Gilt Fund Growth ₹67.043
↓ -0.07 ₹11,954 5,000 500 4.8 6.4 11.2 9 8.9 6.79% 10Y 7M 2D 25Y 2M 1D Invesco India Gilt Fund Growth ₹2,882.28
↓ -4.49 ₹692 5,000 100 4.8 6.2 11.1 8.2 10 6.8% 11Y 4M 24D 27Y 9M IDFC Government Securities Fund - Investment Plan Growth ₹35.852
↓ -0.07 ₹3,106 5,000 1,000 4.6 5.8 10.9 8.6 10.6 7.02% 11Y 11M 26D 28Y 2M 26D Nippon India Gilt Securities Fund Growth ₹38.639
↓ -0.03 ₹2,115 5,000 100 4.5 6.1 10.9 8.3 8.9 6.76% 9Y 3M 25D 21Y 4M 10D ICICI Prudential Gilt Fund Growth ₹103.471
↑ 0.06 ₹7,166 5,000 1,000 4.4 6.3 10.8 8.7 8.2 6.65% 5Y 11Y 18D Aditya Birla Sun Life Government Securities Fund Growth ₹82.5095
↓ -0.14 ₹1,987 1,000 1,000 4.7 6.2 10.8 8.4 9.1 6.82% 11Y 4M 6D 28Y 4M 17D Canara Robeco Gilt Fund Growth ₹76.7539
↓ -0.10 ₹144 5,000 1,000 4.8 6.2 10.8 8 8.8 6.72% 10Y 6M 15D 25Y 1M 11D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 May 25
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 Axis Constant Maturity 10 Year Fund) To generate returns similar to that of 10 year government bonds. Axis Gilt Fund is a Debt - Government Bond fund was launched on 23 Jan 12. It is a fund with Moderate risk and has given a Below is the key information for Axis Gilt Fund Returns up to 1 year are on (Erstwhile HDFC Gilt Fund - Long Term Plan) The scheme seeks to generate credit risk - free returns through investments in sovereign securities issued by the Central Government and / or State Governments. HDFC Gilt Fund is a Debt - Government Bond fund was launched on 25 Jul 01. It is a fund with Moderate risk and has given a Below is the key information for HDFC Gilt Fund Returns up to 1 year are on (Erstwhile SBI Magnum Gilt Fund - Long Term Plan) To provide the investors with returns generated through investments in government securities issued by the Central Government and / or a State Government SBI Magnum Gilt Fund is a Debt - Government Bond fund was launched on 30 Dec 00. It is a fund with Moderate risk and has given a Below is the key information for SBI Magnum Gilt Fund Returns up to 1 year are on The objective of the Scheme is to generate optimal returns by investing in a portfolio of securities issued and guaranteed by Central and State Government. Invesco India Gilt Fund is a Debt - Government Bond fund was launched on 9 Feb 08. It is a fund with Moderate risk and has given a Below is the key information for Invesco India Gilt Fund Returns up to 1 year are on IDFC – GSF -IP is an open ended dedicated gilt scheme with an objective to generate optimal returns with high liquidity by investing in Government Securities.However there is no assurance that the investment objective of the scheme will be realized. IDFC Government Securities Fund - Investment Plan is a Debt - Government Bond fund was launched on 3 Dec 08. It is a fund with Moderate risk and has given a Below is the key information for IDFC Government Securities Fund - Investment Plan Returns up to 1 year are on The primary investment objective of the scheme is to generate optimal credit risk-free returns by investing in a portfolio of securities issued and guaranteed by the Central Government and State Government. Nippon India Gilt Securities Fund is a Debt - Government Bond fund was launched on 22 Aug 08. It is a fund with Moderate risk and has given a Below is the key information for Nippon India Gilt Securities Fund Returns up to 1 year are on (Erstwhile 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 Aditya Birla Sun Life Gilt Plus Fund - PF Plan) An Open - ended government securities scheme with the objective to generate income and capital appreciation through investments exclusively in Government Securities. Aditya Birla Sun Life Government Securities Fund is a Debt - Government Bond fund was launched on 12 Oct 99. It is a fund with Moderate risk and has given a Below is the key information for Aditya Birla Sun Life Government Securities Fund Returns up to 1 year are on (Erstwhile Canara Robeco GILT PGS) To provide risk free return (except interest rate risk) and long term capital
appreciation by investing only in Govt. Securities. However, there can be no assurance that the investment objective of the scheme will be realized. Canara Robeco Gilt Fund is a Debt - Government Bond fund was launched on 29 Dec 99. It is a fund with Moderate risk and has given a Below is the key information for Canara Robeco Gilt Fund Returns up to 1 year are on 1. DSP BlackRock Government Securities Fund
CAGR/Annualized return of 9.3% since its launch. Ranked 9 in Government Bond category. Return for 2024 was 10.1% , 2023 was 7.1% and 2022 was 2.7% . DSP BlackRock Government Securities Fund
Growth Launch Date 30 Sep 99 NAV (19 May 25) ₹97.5223 ↓ -0.13 (-0.13 %) Net Assets (Cr) ₹1,737 on 30 Apr 25 Category Debt - Government Bond AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk Moderate Expense Ratio 1.1 Sharpe Ratio 1.5 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 6.8% Effective Maturity 27 Years 9 Months 25 Days Modified Duration 10 Years 5 Months 23 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,639 30 Apr 22 ₹10,922 30 Apr 23 ₹11,597 30 Apr 24 ₹12,380 30 Apr 25 ₹13,964 Returns for DSP BlackRock Government Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 May 25 Duration Returns 1 Month 1.5% 3 Month 5.1% 6 Month 6.5% 1 Year 11.7% 3 Year 8.8% 5 Year 6.7% 10 Year 15 Year Since launch 9.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 10.1% 2023 7.1% 2022 2.7% 2021 3.1% 2020 13.1% 2019 12.5% 2018 7.4% 2017 1.4% 2016 15.3% 2015 6.2% Fund Manager information for DSP BlackRock Government Securities Fund
Name Since Tenure Sandeep Yadav 1 Aug 24 0.75 Yr. Shantanu Godambe 1 Jun 23 1.92 Yr. Data below for DSP BlackRock Government Securities Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 0.98% Debt 99.02% Debt Sector Allocation
Sector Value Government 99.02% Cash Equivalent 0.98% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -39% ₹614 Cr 56,000,000
↑ 3,500,000 7.3% Govt Stock 2053
Sovereign Bonds | -22% ₹351 Cr 32,500,000
↓ -12,500,000 7.09% Govt Stock 2054
Sovereign Bonds | -16% ₹256 Cr 24,500,000
↑ 14,500,000 India (Republic of) 6.9%
Sovereign Bonds | -6% ₹100 Cr 10,000,000
↑ 10,000,000 8.17% Govt Stock 2044
Sovereign Bonds | -6% ₹89 Cr 7,500,000
↑ 2,500,000 7.59% Govt Stock 2031
Sovereign Bonds | -5% ₹79 Cr 7,500,000
↑ 7,500,000 8.13% Govt Stock 2045
Sovereign Bonds | -4% ₹59 Cr 5,000,000
↑ 5,000,000 364 DTB 03072025
Sovereign Bonds | -0% ₹0 Cr 2,000 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -3% ₹42 Cr Net Receivables/Payables
Net Current Assets | -2% -₹27 Cr 2. Axis Gilt Fund
CAGR/Annualized return of 7.4% since its launch. Ranked 16 in Government Bond category. Return for 2024 was 10% , 2023 was 7.1% and 2022 was 2.4% . Axis Gilt Fund
Growth Launch Date 23 Jan 12 NAV (19 May 25) ₹25.9003 ↓ -0.04 (-0.15 %) Net Assets (Cr) ₹836 on 30 Apr 25 Category Debt - Government Bond AMC Axis Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 0.79 Sharpe Ratio 1.71 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.77% Effective Maturity 27 Years 3 Months 29 Days Modified Duration 11 Years 7 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,596 30 Apr 22 ₹10,808 30 Apr 23 ₹11,391 30 Apr 24 ₹12,183 30 Apr 25 ₹13,738 Returns for Axis Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 May 25 Duration Returns 1 Month 1.2% 3 Month 4.8% 6 Month 6.5% 1 Year 11.7% 3 Year 8.5% 5 Year 6.4% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 10% 2023 7.1% 2022 2.4% 2021 2.4% 2020 13.1% 2019 12% 2018 5.3% 2017 1.4% 2016 13.7% 2015 6.3% Fund Manager information for Axis Gilt Fund
Name Since Tenure Devang Shah 5 Nov 12 12.49 Yr. Sachin Jain 1 Feb 23 2.24 Yr. Data below for Axis Gilt Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 2.59% Debt 97.41% Debt Sector Allocation
Sector Value Government 97.41% Cash Equivalent 2.59% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -40% ₹338 Cr 31,494,700
↓ -3,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -26% ₹219 Cr 21,300,000
↑ 7,800,000 7.09% Govt Stock 2054
Sovereign Bonds | -19% ₹156 Cr 15,000,000
↓ -2,500,000 7.3% Govt Stock 2053
Sovereign Bonds | -10% ₹80 Cr 7,500,000 6.9% Govt Stock 2065
Sovereign Bonds | -1% ₹10 Cr 1,000,000 7.46% Govt Stock 2073
Sovereign Bonds | -1% ₹5 Cr 500,000 7.39 CG Sdl 2033
Sovereign Bonds | -0% ₹2 Cr 235,700 6.92% Govt Stock 2039
Sovereign Bonds | -0% ₹2 Cr 200,000 7.09% Govt Stock 2074
Sovereign Bonds | -0% ₹1 Cr 143,000 Net Receivables / (Payables)
CBLO | -2% ₹20 Cr 3. HDFC Gilt Fund
CAGR/Annualized return of 7.5% since its launch. Ranked 7 in Government Bond category. Return for 2024 was 8.7% , 2023 was 7.1% and 2022 was 1.7% . HDFC Gilt Fund
Growth Launch Date 25 Jul 01 NAV (19 May 25) ₹56.0991 ↓ -0.04 (-0.07 %) Net Assets (Cr) ₹3,006 on 30 Apr 25 Category Debt - Government Bond AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.88 Sharpe Ratio 1.79 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 6.63% Effective Maturity 17 Years 3 Months 22 Days Modified Duration 8 Years 6 Months 11 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,500 30 Apr 22 ₹10,677 30 Apr 23 ₹11,293 30 Apr 24 ₹11,985 30 Apr 25 ₹13,419 Returns for HDFC Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 May 25 Duration Returns 1 Month 1.1% 3 Month 4.6% 6 Month 6.5% 1 Year 11.4% 3 Year 8.4% 5 Year 6% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.7% 2023 7.1% 2022 1.7% 2021 2.2% 2020 10.7% 2019 8.6% 2018 5.4% 2017 1.8% 2016 16.6% 2015 5.9% Fund Manager information for HDFC Gilt Fund
Name Since Tenure Anil Bamboli 1 Sep 07 17.68 Yr. Dhruv Muchhal 22 Jun 23 1.86 Yr. Data below for HDFC Gilt Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 2.71% Debt 97.29% Debt Sector Allocation
Sector Value Government 97.29% Cash Equivalent 2.71% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -24% ₹560 Cr 56,000,000
↑ 4,000,000 7.18% Govt Stock 2037
Sovereign Bonds | -12% ₹269 Cr 27,000,000
↑ 15,000,000 7.26% Govt Stock 2033
Sovereign Bonds | -11% ₹241 Cr 24,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -9% ₹206 Cr 20,500,000
↓ -26,000,000 7.17% Govt Stock 2030
Sovereign Bonds | -8% ₹180 Cr 18,000,000
↑ 9,500,000 7.26% Govt Stock 2032
Sovereign Bonds | -7% ₹171 Cr 17,000,000 7.1% Govt Stock 2029
Sovereign Bonds | -4% ₹90 Cr 9,000,000
↑ 9,000,000 6.45% Govt Stock 2029
Sovereign Bonds | -4% ₹82 Cr 8,500,000
↑ 8,500,000 6.79% Govt Stock 2029
Sovereign Bonds | -3% ₹64 Cr 6,500,000
↑ 6,500,000 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹60 Cr 6,000,000
↓ -13,000,000 4. SBI Magnum Gilt Fund
CAGR/Annualized return of 8.1% since its launch. Ranked 3 in Government Bond category. Return for 2024 was 8.9% , 2023 was 7.6% and 2022 was 4.2% . SBI Magnum Gilt Fund
Growth Launch Date 30 Dec 00 NAV (19 May 25) ₹67.043 ↓ -0.07 (-0.11 %) Net Assets (Cr) ₹11,954 on 30 Apr 25 Category Debt - Government Bond AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.94 Sharpe Ratio 1.53 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.79% Effective Maturity 25 Years 2 Months 1 Day Modified Duration 10 Years 7 Months 2 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,621 30 Apr 22 ₹10,905 30 Apr 23 ₹11,719 30 Apr 24 ₹12,487 30 Apr 25 ₹13,992 Returns for SBI Magnum Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 May 25 Duration Returns 1 Month 1.2% 3 Month 4.8% 6 Month 6.4% 1 Year 11.2% 3 Year 9% 5 Year 6.7% 10 Year 15 Year Since launch 8.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.9% 2023 7.6% 2022 4.2% 2021 3% 2020 11.7% 2019 13.1% 2018 5.1% 2017 3.9% 2016 16.3% 2015 7.3% Fund Manager information for SBI Magnum Gilt Fund
Name Since Tenure Rajeev Radhakrishnan 1 Nov 23 1.5 Yr. Tejas Soman 1 Dec 23 1.41 Yr. Data below for SBI Magnum Gilt Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 0.94% Debt 99.06% Debt Sector Allocation
Sector Value Government 99.06% Cash Equivalent 0.94% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -39% ₹4,674 Cr 436,000,000
↑ 40,500,000 6.79% Govt Stock 2034
Sovereign Bonds | -25% ₹3,012 Cr 292,327,500
↓ -46,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -9% ₹1,129 Cr 106,000,000 7.14% Maharashtra SDL 2039
Sovereign Bonds | -5% ₹615 Cr 59,500,000
↓ -18,500,000 6.9% Govt Stock 2065
Sovereign Bonds | -5% ₹558 Cr 55,000,000
↑ 13,500,000 7.12% Maharashtra SDL 2038
Sovereign Bonds | -4% ₹533 Cr 51,706,900
↑ 1,000,000 8.17% Govt Stock 2044
Sovereign Bonds | -4% ₹466 Cr 40,000,000
↑ 40,000,000 7.17% State Government Securities
Sovereign Bonds | -3% ₹306 Cr 29,810,700 7.13% State Government Of Karnataka 2041
Sovereign Bonds | -2% ₹254 Cr 24,548,600 07.36 MH Sdl 21/02/2035
Sovereign Bonds | -1% ₹132 Cr 12,500,000 5. Invesco India Gilt Fund
CAGR/Annualized return of 6.3% since its launch. Ranked 10 in Government Bond category. Return for 2024 was 10% , 2023 was 6.6% and 2022 was 2.3% . Invesco India Gilt Fund
Growth Launch Date 9 Feb 08 NAV (19 May 25) ₹2,882.28 ↓ -4.49 (-0.16 %) Net Assets (Cr) ₹692 on 15 Apr 25 Category Debt - Government Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.2 Sharpe Ratio 1.37 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.8% Effective Maturity 27 Years 9 Months Modified Duration 11 Years 4 Months 24 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,313 30 Apr 22 ₹10,423 30 Apr 23 ₹10,976 30 Apr 24 ₹11,734 30 Apr 25 ₹13,187 Returns for Invesco India Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 May 25 Duration Returns 1 Month 1.2% 3 Month 4.8% 6 Month 6.2% 1 Year 11.1% 3 Year 8.2% 5 Year 5.5% 10 Year 15 Year Since launch 6.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 10% 2023 6.6% 2022 2.3% 2021 0.7% 2020 8.2% 2019 9.6% 2018 6.2% 2017 1.2% 2016 16.6% 2015 4.2% Fund Manager information for Invesco India Gilt Fund
Name Since Tenure Krishna Cheemalapati 27 Jul 21 3.76 Yr. Vikas Garg 26 Sep 20 4.6 Yr. Data below for Invesco India Gilt Fund as on 15 Apr 25
Asset Allocation
Asset Class Value Cash 3.07% Debt 96.93% Debt Sector Allocation
Sector Value Government 96.93% Cash Equivalent 3.07% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.09% Govt Stock 2054
Sovereign Bonds | -34% ₹237 Cr 23,000,000
↓ -10,500,000 7.34% Govt Stock 2064
Sovereign Bonds | -33% ₹229 Cr 21,531,000
↓ -6,000,000 6.92% Govt Stock 2039
Sovereign Bonds | -21% ₹145 Cr 14,000,000
↓ -500,000 7.14% Maharashtra SDL 2039
Sovereign Bonds | -5% ₹35 Cr 3,400,000 6.79% Govt Stock 2034
Sovereign Bonds | -3% ₹21 Cr 2,012,900
↓ -7,500,000 India (Republic of) 6.9%
Sovereign Bonds | -2% ₹12 Cr 1,243,200
↑ 1,243,200 Net Receivables / (Payables)
Net Current Assets | -2% ₹14 Cr Triparty Repo
CBLO/Reverse Repo | -1% ₹8 Cr 7.1% Govt Stock 2034
Sovereign Bonds | -₹0 Cr 00
↓ -1,000,000 6. IDFC Government Securities Fund - Investment Plan
CAGR/Annualized return of 8.1% since its launch. Ranked 14 in Government Bond category. Return for 2024 was 10.6% , 2023 was 6.8% and 2022 was 1.4% . IDFC Government Securities Fund - Investment Plan
Growth Launch Date 3 Dec 08 NAV (19 May 25) ₹35.852 ↓ -0.07 (-0.20 %) Net Assets (Cr) ₹3,106 on 30 Apr 25 Category Debt - Government Bond AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.19 Sharpe Ratio 1.32 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.02% Effective Maturity 28 Years 2 Months 26 Days Modified Duration 11 Years 11 Months 26 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,633 30 Apr 22 ₹10,890 30 Apr 23 ₹11,438 30 Apr 24 ₹12,171 30 Apr 25 ₹13,710 Returns for IDFC Government Securities Fund - Investment Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 May 25 Duration Returns 1 Month 1.2% 3 Month 4.6% 6 Month 5.8% 1 Year 10.9% 3 Year 8.6% 5 Year 6.2% 10 Year 15 Year Since launch 8.1% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 6% Fund Manager information for IDFC Government Securities Fund - Investment Plan
Name Since Tenure Suyash Choudhary 15 Oct 10 14.55 Yr. Brijesh Shah 10 Jun 24 0.89 Yr. Data below for IDFC Government Securities Fund - Investment Plan as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 1.94% Debt 98.06% Debt Sector Allocation
Sector Value Government 98.06% Cash Equivalent 1.94% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.3% Govt Stock 2053
Sovereign Bonds | -98% ₹3,473 Cr 331,400,000
↓ -8,000,000 7.17% Govt Stock 2028
Sovereign Bonds | -0% ₹0 Cr 6,300 Net Current Assets
Net Current Assets | -2% ₹66 Cr Triparty Repo Trp_020425
CBLO/Reverse Repo | -0% ₹2 Cr Cash Margin - Ccil
CBLO/Reverse Repo | -0% ₹0 Cr 7. Nippon India Gilt Securities Fund
CAGR/Annualized return of 8.4% since its launch. Ranked 2 in Government Bond category. Return for 2024 was 8.9% , 2023 was 6.7% and 2022 was 2.1% . Nippon India Gilt Securities Fund
Growth Launch Date 22 Aug 08 NAV (19 May 25) ₹38.639 ↓ -0.03 (-0.07 %) Net Assets (Cr) ₹2,115 on 30 Apr 25 Category Debt - Government Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.42 Sharpe Ratio 1.47 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-15 Days (0.25%),15 Days and above(NIL) Yield to Maturity 6.76% Effective Maturity 21 Years 4 Months 10 Days Modified Duration 9 Years 3 Months 25 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,479 30 Apr 22 ₹10,646 30 Apr 23 ₹11,257 30 Apr 24 ₹11,940 30 Apr 25 ₹13,328 Returns for Nippon India Gilt Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 May 25 Duration Returns 1 Month 1.1% 3 Month 4.5% 6 Month 6.1% 1 Year 10.9% 3 Year 8.3% 5 Year 5.7% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.9% 2023 6.7% 2022 2.1% 2021 1.8% 2020 11.2% 2019 12.4% 2018 8% 2017 3.4% 2016 17% 2015 6.2% Fund Manager information for Nippon India Gilt Securities Fund
Name Since Tenure Pranay Sinha 31 Mar 21 4.09 Yr. Kinjal Desai 31 Oct 21 3.5 Yr. Data below for Nippon India Gilt Securities Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 2.25% Debt 97.75% Debt Sector Allocation
Sector Value Government 97.75% Cash Equivalent 2.25% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -16% ₹343 Cr 32,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -16% ₹331 Cr 31,500,000 7.09% Govt Stock 2054
Sovereign Bonds | -12% ₹260 Cr 25,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -9% ₹197 Cr 18,500,000 7.25% Govt Stock 2063
Sovereign Bonds | -7% ₹148 Cr 14,000,000 7.18% Govt Stock 2037
Sovereign Bonds | -6% ₹122 Cr 11,465,200 7.02% Govt Stock 2031
Sovereign Bonds | -4% ₹83 Cr 8,000,000
↑ 6,500,000 6.79% Govt Stock 2034
Sovereign Bonds | -4% ₹77 Cr 7,500,000
↑ 2,500,000 6.8% Govt Stock 2060
Sovereign Bonds | -3% ₹60 Cr 6,000,000 7.04% Govt Stock 2029
Sovereign Bonds | -3% ₹57 Cr 5,500,000
↑ 2,500,000 8. ICICI Prudential Gilt Fund
CAGR/Annualized return of 9.5% since its launch. Ranked 5 in Government Bond category. Return for 2024 was 8.2% , 2023 was 8.3% and 2022 was 3.7% . ICICI Prudential Gilt Fund
Growth Launch Date 19 Aug 99 NAV (19 May 25) ₹103.471 ↑ 0.06 (0.06 %) Net Assets (Cr) ₹7,166 on 30 Apr 25 Category Debt - Government Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.12 Sharpe Ratio 1.98 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.65% Effective Maturity 11 Years 18 Days Modified Duration 5 Years Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,658 30 Apr 22 ₹10,992 30 Apr 23 ₹11,767 30 Apr 24 ₹12,625 30 Apr 25 ₹14,005 Returns for ICICI Prudential Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 May 25 Duration Returns 1 Month 1.2% 3 Month 4.4% 6 Month 6.3% 1 Year 10.8% 3 Year 8.7% 5 Year 6.8% 10 Year 15 Year Since launch 9.5% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 5.5% Fund Manager information for ICICI Prudential Gilt Fund
Name Since Tenure Manish Banthia 22 Jan 24 1.27 Yr. Raunak Surana 22 Jan 24 1.27 Yr. Data below for ICICI Prudential Gilt Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 7.24% Debt 92.76% Debt Sector Allocation
Sector Value Government 92.76% Cash Equivalent 7.24% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -47% ₹3,285 Cr 314,566,000
↓ -30,000,000 7.34% Govt Stock 2064
Sovereign Bonds | -19% ₹1,317 Cr 124,038,200
↓ -5,000,000 7.81% Govt Stock 2033
Sovereign Bonds | -14% ₹975 Cr 94,096,700 7.12% Maharashtra SDL 2038
Sovereign Bonds | -3% ₹220 Cr 21,496,400 7.14% Maharashtra SDL 2039
Sovereign Bonds | -3% ₹185 Cr 18,000,000 7.18% Govt Stock 2033
Sovereign Bonds | -2% ₹111 Cr 10,567,890 Chhattisgarh (Government of)
- | -1% ₹86 Cr 8,288,200 7.53% Govt Stock 2034
Sovereign Bonds | -1% ₹76 Cr 7,500,000 7.13% Karnataka SDL - 20-Aug-2034
Sovereign Bonds | -1% ₹75 Cr 7,321,700 6.79% Govt Stock 2034
Sovereign Bonds | -1% ₹53 Cr 5,152,150
↑ 4,742,800 9. Aditya Birla Sun Life Government Securities Fund
CAGR/Annualized return of 8.6% since its launch. Ranked 4 in Government Bond category. Return for 2024 was 9.1% , 2023 was 7.1% and 2022 was 1.7% . Aditya Birla Sun Life Government Securities Fund
Growth Launch Date 12 Oct 99 NAV (19 May 25) ₹82.5095 ↓ -0.14 (-0.17 %) Net Assets (Cr) ₹1,987 on 30 Apr 25 Category Debt - Government Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.05 Sharpe Ratio 1.35 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load 0-90 Days (0.5%),90 Days and above(NIL) Yield to Maturity 6.82% Effective Maturity 28 Years 4 Months 17 Days Modified Duration 11 Years 4 Months 6 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,546 30 Apr 22 ₹10,869 30 Apr 23 ₹11,445 30 Apr 24 ₹12,182 30 Apr 25 ₹13,635 Returns for Aditya Birla Sun Life Government Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 May 25 Duration Returns 1 Month 1.3% 3 Month 4.7% 6 Month 6.2% 1 Year 10.8% 3 Year 8.4% 5 Year 6.2% 10 Year 15 Year Since launch 8.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 9.1% 2023 7.1% 2022 1.7% 2021 3.6% 2020 12.1% 2019 11% 2018 6.9% 2017 4.4% 2016 16.7% 2015 5.7% Fund Manager information for Aditya Birla Sun Life Government Securities Fund
Name Since Tenure Bhupesh Bameta 6 Aug 20 4.74 Yr. Data below for Aditya Birla Sun Life Government Securities Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 3.8% Debt 96.2% Debt Sector Allocation
Sector Value Government 96.2% Cash Equivalent 3.8% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.3% Govt Stock 2053
Sovereign Bonds | -52% ₹1,010 Cr 95,679,750 7.34% Govt Stock 2064
Sovereign Bonds | -29% ₹568 Cr 53,512,200
↓ -1,000,000 7.25% Govt Stock 2063
Sovereign Bonds | -3% ₹65 Cr 6,200,000 7.18% Govt Stock 2037
Sovereign Bonds | -3% ₹53 Cr 5,000,000 7.09% Govt Stock 2054
Sovereign Bonds | -2% ₹47 Cr 4,540,000 7.26% Govt Stock 2033
Sovereign Bonds | -2% ₹44 Cr 4,205,000
↓ -8,000,000 6.76% Govt Stock 2061
Sovereign Bonds | -2% ₹29 Cr 3,000,000 State Government Securities (27/02/2038)
Sovereign Bonds | -1% ₹26 Cr 2,500,000 7.1% Govt Stock 2034
Sovereign Bonds | -0% ₹5 Cr 500,000
↑ 500,000 India (Republic of)
Sovereign Bonds | -0% ₹5 Cr 500,000
↑ 500,000 10. Canara Robeco Gilt Fund
CAGR/Annualized return of 8.4% since its launch. Ranked 6 in Government Bond category. Return for 2024 was 8.8% , 2023 was 6.5% and 2022 was 2.3% . Canara Robeco Gilt Fund
Growth Launch Date 29 Dec 99 NAV (19 May 25) ₹76.7539 ↓ -0.10 (-0.13 %) Net Assets (Cr) ₹144 on 30 Apr 25 Category Debt - Government Bond AMC Canara Robeco Asset Management Co. Ltd. Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.24 Sharpe Ratio 1.29 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.72% Effective Maturity 25 Years 1 Month 11 Days Modified Duration 10 Years 6 Months 15 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,482 30 Apr 22 ₹10,691 30 Apr 23 ₹11,293 30 Apr 24 ₹11,953 30 Apr 25 ₹13,333 Returns for Canara Robeco Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 May 25 Duration Returns 1 Month 1.2% 3 Month 4.8% 6 Month 6.2% 1 Year 10.8% 3 Year 8% 5 Year 5.7% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.8% 2023 6.5% 2022 2.3% 2021 1.8% 2020 10.3% 2019 9.9% 2018 4.9% 2017 2.9% 2016 18% 2015 6.3% Fund Manager information for Canara Robeco Gilt Fund
Name Since Tenure Avnish Jain 1 Apr 22 3.08 Yr. Kunal Jain 18 Jul 22 2.79 Yr. Data below for Canara Robeco Gilt Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 4.98% Debt 95.02% Debt Sector Allocation
Sector Value Government 95.02% Cash Equivalent 4.98% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -39% ₹56 Cr 5,250,000 6.92% Govt Stock 2039
Sovereign Bonds | -20% ₹29 Cr 2,750,000 7.3% Govt Stock 2053
Sovereign Bonds | -17% ₹25 Cr 2,350,000 7.23% Govt Stock 2039
Sovereign Bonds | -7% ₹10 Cr 900,000 7.18% Govt Stock 2037
Sovereign Bonds | -5% ₹7 Cr 678,600 6.79% Govt Stock 2034
Sovereign Bonds | -4% ₹5 Cr 500,000
↑ 500,000 7.38% Govt Stock 2027
Sovereign Bonds | -2% ₹3 Cr 250,100 7.17% Govt Stock 2030
Sovereign Bonds | -1% ₹2 Cr 158,900 8.13% Govt Stock 2045
Sovereign Bonds | -0% ₹0 Cr 10,000 7.1% Govt Stock 2034
Sovereign Bonds | -0% ₹0 Cr 7,950
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