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Mutual Fund in India

Updated on September 16, 2019 , 12216 views

A Mutual Fund is a collective pool (hence the word mutual) of money given by investors with a common objective for purchasing securities (via the fund). The collective pool is formed by the investors in a Mutual Fund, they are regulated in India by the Securities and Exchange Board of India (SEBI).

Those new to finance, planning and investing often hear the term “Mutual Fund” and ask “what is a Mutual Fund?”, "which are the best Mutual Funds?", "what are the Types of Mutual Funds", "what are the companies?", "How to Invest in Mutual Funds?" etc. Mutual Funds today are becoming more common with investors and have in the recent years become an avenue by which investors can participate in the debt and equity markets.

what-is-a-mutual-fund

We shall try to answer to most of the queries related to Mutual Funds here.

Overview

Mutual Funds are a vehicle that collects money from investors to buy securities. These investors have a common objective, and this pool of money is advised by the fund manager who decides how to invest the money. With good fund management, the Mutual Fund Manager (or Portfolio Manager) generates returns for the investors, which are passed back to investors. Mutual Funds are a regulated industry, there are various rules, guidelines & policies for the mutual fund companies, the fund managers and specifically the funds being managed also. These regulations are formed by the Securities and Exchange Board of India (SEBI) who is the regulator for Mutual Funds.

Mutual Funds Meaning

As the two words, Mutual connotes getting together and Fund connotes money. Hence by definition, a Mutual Fund is a vehicle for investing money for investors with a common objective. In India, Mutual Funds is a regulated industry with a long history.

Mutual Funds Basics

The basics of Mutual Funds entails getting a basic understanding of Mutual Fund's, the advantages of Mutual Funds and dis-advantages of Mutual Funds. One can use various sources to obtain knowledge. In this article, we have tried to cover most aspects of Mutual Fund basics.

Mutual Funds History

Mutual Funds in India came into being in 1963 by an act of parliament.This was done by the government of India with the help of the Reserve Bank of India (RBI). Till 1987, there was no other player in India and it was a monopoly. At that time the industry opened up for the public sector and saw the entry of the another player called SBI Mutual Fund. Other players too came in shortly thereafter.In 1993, the government gave permission the private sector to open up asset management companies. In the next 2 years, 11 more private sector funds came in. 1996 marked another era with SEBI and AMFI coming in.

Mutual Funds India

The Association of Mutual Funds in India was formed to develop the industry and setup minimum standards.

Mutual Funds Sahi Hai

mutual fund sahi hai is the recently launched campaign by AMFI (Association of Mutual Funds in India) to create investor awareness on Mutual Funds. This campaign is across various media such as TV, newspaper, radio and across the web too. The campaign is not only in English but also across various vernaculars languages. The aim of the Mutual Funds Sahi Hai campaign is to educate people on the various aspects of the industry and increase the penetration of Mutual Funds.

Mutual Funds Investment

Mutual funds offer investors a route to save money and earn returns over time. One can invest in a lump sum or a fixed amount monthly, more commonly known as a systematic investment plan (SIP). Using a lump sum or SIPs, they inculcate the habit of savings. Investors can start Mutual Fund investments with amounts as low as INR 5000 and in the case of SIPs as low as INR 500. There are various mutual fund calculators, available which help first-time investors decide what amount to start off with. These mutual fund calculators help investors kick-start investments.

Systematic Investment Plans: SIP In Mutual Funds

Mutual Funds offer a route called the "Systematic Investment Plan" or SIP where investors can choose to put in a fixed amount of money every month in a scheme of a mutual fund. SIPs are a very convenient way for investors to invest since after the first investment, subsequent investments are automated and the investor can sit back and relax. Systematic investment plans ( SIPs) also offer rupee cost averaging and there are many benefits of SIPs.

Mutual Fund Returns

5 Year Returns Across Categories

Category: Equity Avg. 5Y Ret. Category: Balanced Avg. 5Y Ret. Category: Fixed Income Avg. 5Y Ret Category: Money Market Avg. 5Y Ret.
ELSS (Tax Saving) 18.88 Conservative Allocation 10.56 Corporate Credit 9.54 Liquid 8.3
Equity - Other 18.72 Hybrid Allocation 11.15 Dynamic Bond 9.43 Ultrashort Bond 8.64
Flexi Cap 18.89 Moderate Allocation 15. 62 Intermediate Bond 8.93 -
Large Cap 15.33 - Intermediate Government Bond 9.91 -
- - Long Term Government Bond 9.87 -
- - Short Term Bond 8.72 -
- - Short Term Government Bond 8.63

(*Return as of 10th June 2017)

Mutual Funds over the last few decades have been a phenomenal vehicle for generating returns for retail investors. To give an idea of returns over the last years, the above table gives an idea of returns across the various categories of Mutual Funds.

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Types Of Mutual Funds

On 6th October 2017, Securities of Exchange Board of India (SEBI) introduced new and broad categories in Mutual Funds in order to bring uniformity in similar schemes launched by the different Mutual Funds. This is to aim and ensure that investors can find it easier to compare the products and evaluate the different options available before investing in a scheme.

SEBI intends to make Mutual Fund investment easier for the investors. Investors could invest according to their needs, financial goals and risk ability. This mandates Mutual Fund Houses to categorize all their schemes (existing & future scheme) into 5 broad categories and 36 sub-categories. Let’s see the new distinct categories introduced by SEBI in Equity Funds, Debt Funds, Hybrid Funds, Solution Oriented Funds and other schemes

1 Equity Funds

Equity Mutual Funds can be the Large cap funds, mid cap funds, small cap funds, or multi-cap, these are for investors wanting to take exposure to the equity markets. As the name goes, equity funds invest in the equity markets. There are specialist fund managers who specialise in stock selection. They try and select the best stocks for their funds, given the Mutual Fund investment mandate. SEBI has set 1- distinct categories for equity funds.

1.1. Large Cap Equity Fund

Large-cap funds invest in large-cap companies which are big sized companies with large balance sheets, big teams and a clear organisation structure in place. The exposure in large-cap stocks has to be a minimum 80 percent of the scheme’s total assets.

1.2. Mid Cap Fund

Mid-cap funds, on the other hand, invest in smaller-sized companies, these are the emerging stars in their sector and have a potential for growth. Being small in size, these mid-cap companies are very nimble footed and can make changes to product & strategy very quickly. Given this, mid-cap investing brings in a larger risk also. The scheme will invest 65 percent of its total assets in mid-cap stocks.

1.3. Large and Mid Cap Fund

These are the schemes that invest in both large & mid cap stocks. These funds will invest a minimum of 35 percent each in mid and large cap stocks.

SEBI has set a clear classification as to what is a large cap, mid cap and small cap:

Market Capitalization Description
Large cap company 1st to 100th company in terms of full market capitalization
Mid cap company 101st to 250th company in terms of full market capitalization
Small cap company 251st company onwards in terms of full market capitalization

1.4. Multi Cap Equity Fund

In multi-cap funds, the fund manager invests across the board in large-caps and mid-caps without any restriction (the only restriction being the fund mandate). A minimum of 65 percent of its total assets should be allocated to equities.

1.5. Equity Linked Savings Scheme

Equity Linked Savings Schemes (ELSS) is a tax saving fund that comes with a lock-in period of three years. A minimum of 80 percent of its total assets has to be invested in equities.

1.6. Dividend Yield Fund

This fund will predominantly invest in dividend yielding stocks. This scheme will invest a minimum 65 percent of its total assets in equities, but in dividend yielding stocks.

1.7. Value Fund

This is an equity fund that will follow the value investment strategy.

1.8. Contra Fund

This equity scheme will follow the contrarian investment strategy. Value/Contra will invest at least 65 percent of its total assets in equities, but a Mutual Fund house can either offer a value fund or a contra fund, but not both.

1.9. Focused Fund

This fund will focus on large, mid, small or multi-cap stocks, but can have a maximum of 30 stocks. focused fund can invest at least 65 percent of its total assets in equities.

1.10. Sector/Thematic Fund

These are the funds that invest in a particular sector or a theme. At least 80 percent of the total assets of these schemes will be invested in a particular sector or theme.

2 Debt Funds

Then there are debt funds, which invest in debt instruments. There are various kinds of debt funds that exist in the Indian markets. These funds invest in various debt & money market instruments such as government securities (G-Secs), commercial papers (CPs), certificate of deposits (CDs) and other instruments. As per SEBI’s new categorization, Debt fund schemes will have 16 categories. Here’s the list:

2.1. Overnight Fund

This debt scheme will invest in overnight securities having a maturity of one day.

2.2. Liquid Fund

These are very "liquid" as the name goes. These are the funds that in most cases would try to generate returns for investors even he/she invests for one day! As per regulations, Liquid Funds invest in debt/money market securities with a maturity of less than 91 days. These are apt for investors looking to park their money for a couple of days. These funds typically don't have any exit load.

2.3. Ultra Short Duration Fund

On the risk scale, these funds have a risk that is slightly above that of liquid funds. Ultra short term funds invest in debt securities with a slightly higher maturity than liquid funds. These types of Mutual funds can give a minor loss in a day if there is a very sharp upward movement in interest rates. However, these are great for investors looking to invest money between three months to six months. Most ultra short term funds don't have any exit load, even if they do, it is for a week to a fortnight at best.

2.4. Low Duration Fund

Low duration debt securities come with a slightly higher maturity than ultra short funds. The scheme will invest in debt and money market securities with a Macaulay duration between six to 12 months.

2.5. Money Market Fund

This scheme will invest in money market instruments such as CDs, CPs, T-Bills having a maturity up to one year.

2.6. Short Term Fund

Short term Mutual Funds are great for investors looking to invest for a year or more. These also invest in debt securities and do take a little bit of interest rate risk. If interest rates move downwards then there will be capital appreciation on the portfolio along with the return earned due to interest. These funds invest in debt and money market instruments with a Macaulay duration of one to three years.

2.7. Medium Duration Fund

This scheme will invest in debt and money market instruments with a Macaulay duration of three to four years.

2.8. Medium to Long Duration Fund

This scheme will invest in debt and money market instruments with a Macaulay duration of four to seven years.

2.9. Long Duration Fund

This scheme will invest in debt and money market instruments with a Macaulay duration greater than seven years.

2.10. Dynamic Bond Fund

A dynamic bond fund is a mutual fund scheme that invests its funds in fixed income securities consisting of varying maturity periods, which means that they invest across all the duration. Here, the fund manager decides on which funds they need to invest based on their perception of the interest rate scenario and future interest rate movements. Based on this decision, they invest in funds across various maturity periods of debt instruments. This mutual fund scheme is suitable for individuals who feel puzzled about the interest rate scenario. Such individuals can rely on the view of the fund managers to earn money through dynamic bonds funds.

2.11. Corporate Bond Fund

Corporate bond funds are essentially a certificate of debt issued by major companies. These are issued as a way of raising money for businesses. Corporate bond funds are a great option when it comes to good return and low-risk type investment. This debt scheme mainly invests in the highest rated corporate bonds. The fund can invest a minimum 80 percent of its total assets in the highest-rated corporate bonds.

2.12. Credit Risk Fund

This scheme will invest in below the high-rated corporate bonds. The credit risk fund should invest at least 65 percent of its assets below the highest-rated instruments.

2.13. Banking and PUS Fund

This scheme predominantly invests in debt instruments of Banks, Public Financial Institutional, Public Sector Undertakings.

2.14. Gilt Fund

This funds invest in government securities. The maturity of the funds various as per the mandate of the fund. And so does the risk in the fund. Gilt funds are usually used as an avenue to invest by seasoned investors who know what they are doing and are clear on interest rate movements. The higher the duration or maturity of the gilt fund, higher the risk. This funds will invest a minimum 80 percent of its total assets in government securities.

2.15. Gilt Fund with 10-year Constant Duration

This scheme will invest in government securities with a maturity of 10 years. Gilt Funds with 10-year Constant Duration will invest a minimum 80 percent in government securities.

2.16. Floater Fund

This debt scheme mainly invests in floating rate instruments. Floater Fund will invest a minimum of 65 percent of its total assets in floating rate instruments.

3. Hybrid Funds

For the investors in the middle who want to be on the fence, there are balanced funds or hybrid funds. According to the new SEBI’s regulation, there will be six categories of Hybrid Funds:

3.1. Conservative Hybrid Fund

Hybrid Funds are also commonly known as Balanced Fund. Hybrid funds are a type of Mutual Funds that invest in both equity and debt mutual fund. In other words, this fund acts as a combination of both debt and equity. The conservative hybrid funds will majorly invested in debt instruments. About 75 to 90 percent of their total assets will be invest in debt instruments and about 10 to 25 percent in equity-related instruments. Hybrid funds are a great option for the investors who fear of investing in equity funds. This fund will reduce the risk portion and also help in gaining optimal returns over the time.

3.2. Balanced Hybrid Fund

This fund will invest around 40-60 percent of its total assets in both debt and equity instruments.

3.3. Aggressive Hybrid Fund

This fund will invest around 65 to 85 percent of its total assets in equity-related instruments and about 20 to 35 percent of their assets in debt instruments. Mutual fund houses can offer either a balanced hybrid or an aggressive hybrid fund, not both.

3.4. Dynamic Asset Allocation or Balanced Advantage Fund

This scheme would dynamically manage their investments in equity and debt instruments.

3.5. Multi Asset Allocation

This scheme can invest in three asset classes, which means that they can invest in an extra asset class apart from equity and debt. The fund should invest at least 10 percent in each of the asset classes. Foreign securities will not be treated as a separate asset class.

3.6. Arbitrage Fund

An arbitrage fund is a popular short-term financial investment in India. Arbitrage funds are Mutual Funds that leverage the differential price between the cash market and derivative market to generate mutual fund returns. The returns generated by arbitrage funds are dependent on the volatility of the stock market. Arbitrage mutual funds are hybrid in nature and in times of high or persistent volatility, these funds offer relatively risk-free returns to investors. This fund invest at least 65 percent of its assets in equity-related instruments.

3.7. Equity Savings

This scheme will invest in equity, arbitrage and debt. Equity savings will invest at least 65 percent of the total assets in stocks and a minimum 10 percent in debt. The scheme would state the minimum hedged and unhedged investments in the scheme information document.

4. Solution Oriented Schemes

4.1. Retirement Fund

This is a retirement solution oriented scheme that will have a lock-in of five years or till the age of retirement.

4.2. Children’s Fund

This is children oriented scheme having a lock-on for five years or until the child attains the age of majority, whichever is earlier.

5. Other Schemes

5.1. Index Fund/ETF

Index Funds refer to the Mutual Fund schemes whose portfolio is constructed using a market index as a base. In other words, the performance of an index fund is dependent on the performance of a particular index. These schemes are passively managed. These funds contain shares in the similar proportion as they are in a particular index. In India, many of the schemes use Nifty or Sensex as the base to construct their portfolio. For example, if the Nifty portfolio constitutes of SBI shares whose proportion is 12% then; the Nifty Index fund will also have 12% equity shares. This fund can invest at least 95 percent of its total asset in securities of a particular index.

5.2. FoFs (Overseas Domestic)

Fund of funds is an option for those whose investment amounts are not too large and it is easier to manage one fund (a fund of funds) rather than a number of Mutual Funds. In this form of mutual fund investment strategy, investors get to hold a number of funds under the umbrella of a single fund, hence the name funds of funds. Often going by the name of multi-manager investment; it is considered as one of the mutual fund categories. One of the key advantages of multi-manager investments is that at a lower ticket size, the investor can diversify themselves across a gamut of mutual fund schemes. This fund can invest a minimum of 95 percent of its total assets in the underlying fund.

Some of the other Mutual Funds to consider:

5.3. International Funds

International Funds invest in international securities or into master funds that are domiciled out of India. Most of these funds invest in equity as an asset class. These can be of various types such as emerging market funds, developed markets funds, commodity-related international funds etc. The DSP Blackrock World Gold Fund is an example of a fund that invests in a master fund based out of India. This fund invests predominantly in gold and other precious metals. Today, there are many international Mutual Funds available in India to the investor.

5.4. Gold Funds

Gold funds are a new class of funds. These invest in gold ETFs. While gold ETFs are available to the retail investor, anyone wanting to buy an ETF has to do it through the stock exchange, which requires one to have a broking account. In a Mutual Fund, there is no such requirement, an investor can simply fill an application form and get the units allotted after making the payment.

Best Mutual Funds

Investors are always searching for the top mutual funds or best mutual funds to invest in. How to select the best mutual fund is another exercise in itself. One needs to look are various things like the goal for investing, fund house, mutual fund rating and over this follow a disciplined approach. Only then can one try and select the best mutual fund.

Top 10 Mutual Funds: Equity

The top 10 equity mutual funds to invest are always something investors try to seek. From the entire list of the funds available in a category getting to the Top 10 Mutual Funds involves doing many activities to filter the list and get the top & Best Performing Mutual Funds. The top 10 equity mutual funds to invest in are:

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2018 (%)
ICICI Prudential Banking and Financial Services Fund Growth ₹60.16
↑ 0.23
₹3,185-10.2-6.11.39.813.2-0.4
Tata India Tax Savings Fund Growth ₹17.2584
↑ 0.07
₹1,807-6.5-3.3-0.57.6 -8.4
Kotak Standard Multicap Fund Growth ₹33.686
↑ 0.13
₹24,960-6.1-3.4-18.210.8-0.9
Mirae Asset India Equity Fund  Growth ₹48.547
↑ 0.19
₹13,492-5.3-4-1.49.610.4-0.6
Kotak Equity Opportunities Fund Growth ₹113.57
↑ 0.13
₹2,467-5.3-3.9-1.46.69.4-5.6
DSP BlackRock Equity Opportunities Fund Growth ₹210.496
↑ 0.85
₹5,159-3.3-3.9-2.76.39.5-9.2
Axis Focused 25 Fund Growth ₹27.03
↑ 0.11
₹7,785-3.80.4-410.711.50.6
Franklin Build India Fund Growth ₹38.2174
↑ 0.14
₹1,195-10.5-8.6-4.15.29.6-10.7
Invesco India Growth Opportunities Fund Growth ₹32.51
↑ 0.08
₹1,560-3.8-4.3-4.18.79.7-0.2
Aditya Birla Sun Life Banking And Financial Services Fund Growth ₹26.64
↑ 0.05
₹1,744-9.7-7.1-5.47.313.9-2.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Sep 19

Top 10 Mutual Funds: Debt

The top 10 debt mutual funds to invest are always something investors try to seek. From the entire list of the funds available in a category getting to the top 10 mutual funds involves doing many activities to filter the list and get the top & best performing Mutual Funds. The top 10 debt mutual funds to invest in are:

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2018 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
HDFC Corporate Bond Fund Growth ₹21.9134
↑ 0.05
₹12,4162.95.911.786.57.48%3Y 14D4Y 1M 12D
HDFC Banking and PSU Debt Fund Growth ₹15.7592
↑ 0.02
₹3,2852.95.411.17.65.98%2Y 1M 26D2Y 8M 15D
Aditya Birla Sun Life Corporate Bond Fund Growth ₹75.0772
↑ 0.09
₹15,9662.55.310.97.977.57%1Y 10M 10D2Y 5M 23D
ICICI Prudential Long Term Plan Growth ₹24.3118
↑ 0.07
₹2,7912.5610.67.86.28.59%3Y 2M 8D4Y 6M 11D
Franklin India Ultra Short Bond Fund - Super Institutional Plan Growth ₹27.391
↑ 0.01
₹19,9542.24.6108.98.79.67%6M 7D7M 6D
Franklin India Dynamic Accrual Fund Growth ₹68.4515
↑ 0.07
₹3,9601.53.19.18.38.411.47%2Y 25D2Y 9M 27D
Aditya Birla Sun Life Savings Fund Growth ₹384.164
↑ 0.05
₹15,2372.34.59.17.97.67.25%6M 11D7M 2D
Franklin India Low Duration Fund Growth ₹22.4305
↑ 0.01
₹6,3342.33.68.98.58.410.81%10M 17D1Y 28D
Aditya Birla Sun Life Money Manager Fund Growth ₹260.204
↑ 0.04
₹11,7552.24.38.87.67.90%
JM Liquid Fund Growth ₹52.5384
↑ 0.01
₹1,3341.63.57.37.17.46.49%10D10D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 18 Sep 19
*Below is the detailed list of top mutual funds based on last one year CAGR/Annualized returns & having AUM between 200 - 10,000 Crores across categories (Equity, Debt, Hybrid, Gold etc.)

1. DSP BlackRock World Gold Fund

"The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized."

DSP BlackRock World Gold Fund is a Equity - Global fund was launched on 14 Sep 07. It is a fund with High risk and has given a CAGR/Annualized return of 3% since its launch.  Ranked 11 in Global category.  Return for 2018 was -10.7% , 2017 was -4% and 2016 was 52.7% .

Below is the key information for DSP BlackRock World Gold Fund

DSP BlackRock World Gold Fund
Growth
Launch Date 14 Sep 07
NAV (17 Sep 19) ₹14.247 ↑ 0.34   (2.41 %)
Net Assets (Cr) ₹268 on 31 Jul 19
Category Equity - Global
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk High
Expense Ratio 1.83
Sharpe Ratio 0.76
Information Ratio -0.46
Alpha Ratio -4.38
Min Investment 1,000
Min SIP Investment 500
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Aug 14₹10,000
31 Aug 15₹6,625
31 Aug 16₹11,516
31 Aug 17₹10,195
31 Aug 18₹8,149
31 Aug 19₹12,070

DSP BlackRock World Gold Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹340,450.
Net Profit of ₹40,450
Invest Now

Returns for DSP BlackRock World Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Sep 19

DurationReturns
1 Month -2.5%
3 Month 17.1%
6 Month 24.6%
1 Year 40.9%
3 Year -0.3%
5 Year 4.3%
10 Year
15 Year
Since launch 3%
Historical performance (Yearly) on absolute basis
YearReturns
2018 -10.7%
2017 -4%
2016 52.7%
2015 -18.5%
2014 -3%
2013 -41.5%
2012 -5.8%
2011 -2.6%
2010 29%
2009 41.5%
Fund Manager information for DSP BlackRock World Gold Fund
NameSinceTenure
Jay Kothari1 Mar 136.25 Yr.

Data below for DSP BlackRock World Gold Fund as on 31 Jul 19

Equity Sector Allocation
SectorValue
Basic Materials94.01%
Industrials0.47%
Asset Allocation
Asset ClassValue
Cash3.47%
Equity95.28%
Other1.25%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
BGF World Gold I2
Investment Fund | -
97%₹320 Cr1,177,755
↑ 133,909
Treps / Reverse Repo Investments / Corporate Debt Repo
CBLO/Reverse Repo | -
5%₹15 Cr
Net Receivables/Payables
Net Current Assets | -
2%-₹7 Cr

2. SBI Gold Fund

The scheme seeks to provide returns that closely correspond to returns provided by SBI - ETF Gold (Previously known as SBI GETS).

SBI Gold Fund is a Gold - Gold fund was launched on 12 Sep 11. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 2.1% since its launch.  Return for 2018 was 6.4% , 2017 was 3.5% and 2016 was 10% .

Below is the key information for SBI Gold Fund

SBI Gold Fund
Growth
Launch Date 12 Sep 11
NAV (18 Sep 19) ₹11.801 ↓ -0.09   (-0.72 %)
Net Assets (Cr) ₹324 on 31 Jul 19
Category Gold - Gold
AMC SBI Funds Management Private Limited
Rating
Risk Moderately High
Expense Ratio 0.47
Sharpe Ratio 1.01
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Aug 14₹10,000
31 Aug 15₹9,369
31 Aug 16₹10,800
31 Aug 17₹10,134
31 Aug 18₹10,240
31 Aug 19₹12,823

SBI Gold Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹349,120.
Net Profit of ₹49,120
Invest Now

Returns for SBI Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Sep 19

DurationReturns
1 Month -0.5%
3 Month 14%
6 Month 18.2%
1 Year 20.8%
3 Year 5%
5 Year 5.3%
10 Year
15 Year
Since launch 2.1%
Historical performance (Yearly) on absolute basis
YearReturns
2018 6.4%
2017 3.5%
2016 10%
2015 -8.1%
2014 -10.2%
2013 -6.6%
2012 10.9%
2011
2010
2009
Fund Manager information for SBI Gold Fund
NameSinceTenure
Raviprakash Sharma12 Sep 117.64 Yr.

Data below for SBI Gold Fund as on 31 Jul 19

Asset Allocation
Asset ClassValue
Cash0.36%
Other99.64%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
SBI ETF Gold
- | SETFGOLD
100%₹368 Cr1,066,481
↑ 29,115
Treps
CBLO/Reverse Repo | -
0%₹2 Cr
Net Receivable / Payable
CBLO | -
0%-₹1 Cr

3. Reliance Gold Savings Fund

The investment objective of the Scheme is to seek to provide returns that closely correspond to returns provided by Reliance ETF Gold BeES.

Reliance Gold Savings Fund is a Gold - Gold fund was launched on 7 Mar 11. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 5.4% since its launch.  Return for 2018 was 6% , 2017 was 1.7% and 2016 was 11.6% .

Below is the key information for Reliance Gold Savings Fund

Reliance Gold Savings Fund
Growth
Launch Date 7 Mar 11
NAV (18 Sep 19) ₹15.6077 ↓ -0.12   (-0.73 %)
Net Assets (Cr) ₹680 on 31 Jul 19
Category Gold - Gold
AMC Reliance Nippon Life Asset Management Ltd.
Rating
Risk Moderately High
Expense Ratio 0.71
Sharpe Ratio 0.96
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-1 Years (2%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Aug 14₹10,000
31 Aug 15₹9,367
31 Aug 16₹10,697
31 Aug 17₹10,067
31 Aug 18₹10,201
31 Aug 19₹12,682

Reliance Gold Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹349,120.
Net Profit of ₹49,120
Invest Now

Returns for Reliance Gold Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Sep 19

DurationReturns
1 Month 0.6%
3 Month 13.9%
6 Month 17.6%
1 Year 20%
3 Year 4.8%
5 Year 5.1%
10 Year
15 Year
Since launch 5.4%
Historical performance (Yearly) on absolute basis
YearReturns
2018 6%
2017 1.7%
2016 11.6%
2015 -8.1%
2014 -9.8%
2013 -7.6%
2012 11.2%
2011
2010
2009
Fund Manager information for Reliance Gold Savings Fund
NameSinceTenure
Mehul Dama6 Nov 180.24 Yr.

Data below for Reliance Gold Savings Fund as on 31 Jul 19

Asset Allocation
Asset ClassValue
Cash0.43%
Other99.57%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Reliance ETF Gold BeES
- | GOLDBEES
100%₹745 Cr2,205,058
↓ -12,915
Triparty Repo
CBLO/Reverse Repo | -
1%₹5 Cr
Net Current Assets
Net Current Assets | -
0%-₹4 Cr

4. HDFC Gold Fund

To seek capital appreciation by investing in units of HDFC Gold Exchange Traded Fund (HGETF).

HDFC Gold Fund is a Gold - Gold fund was launched on 24 Oct 11. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 2.5% since its launch.  Return for 2018 was 6.6% , 2017 was 2.8% and 2016 was 10.1% .

Below is the key information for HDFC Gold Fund

HDFC Gold Fund
Growth
Launch Date 24 Oct 11
NAV (18 Sep 19) ₹12.1268 ↓ -0.09   (-0.70 %)
Net Assets (Cr) ₹233 on 31 Jul 19
Category Gold - Gold
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately High
Expense Ratio 0.5
Sharpe Ratio 0.99
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-6 Months (2%),6-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
31 Aug 14₹10,000
31 Aug 15₹9,370
31 Aug 16₹10,783
31 Aug 17₹10,109
31 Aug 18₹10,271
31 Aug 19₹12,840

HDFC Gold Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹349,120.
Net Profit of ₹49,120
Invest Now

Returns for HDFC Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Sep 19

DurationReturns
1 Month 0.3%
3 Month 13.8%
6 Month 17.4%
1 Year 19.8%
3 Year 5.1%
5 Year 5.2%
10 Year
15 Year
Since launch 2.5%
Historical performance (Yearly) on absolute basis
YearReturns
2018 6.6%
2017 2.8%
2016 10.1%
2015 -7.3%
2014 -9.8%
2013 -7.2%
2012 12%
2011
2010
2009
Fund Manager information for HDFC Gold Fund
NameSinceTenure
Krishan Daga19 Oct 153.87 Yr.

Data below for HDFC Gold Fund as on 31 Jul 19

Asset Allocation
Asset ClassValue
Cash0.85%
Other99.15%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Gold ETF
- | HDFCMFGETF
100%₹262 Cr753,500
↑ 17,500
Net Current Assets
Net Current Assets | -
0%₹1 Cr
Collateralised Borrowing & Lending Obligation
CBLO | -
0%₹0 Cr

5. SBI Magnum Constant Maturity Fund

(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.

SBI Magnum Constant Maturity Fund is a Debt - 10 Yr Govt Bond fund was launched on 30 Dec 00. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 8.3% since its launch.  Ranked 1 in 10 Yr Govt Bond category.  Return for 2018 was 9.9% , 2017 was 6.2% and 2016 was 12.8% .

Below is the key information for SBI Magnum Constant Maturity Fund

SBI Magnum Constant Maturity Fund
Growth
Launch Date 30 Dec 00
NAV (18 Sep 19) ₹44.175 ↑ 0.28   (0.63 %)
Net Assets (Cr) ₹424 on 31 Jul 19
Category Debt - 10 Yr Govt Bond
AMC SBI Funds Management Private Limited
Rating
Risk Moderately Low
Expense Ratio 0.74
Sharpe Ratio 2.6
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.58%
Effective Maturity 9 Years 10 Months 17 Days
Modified Duration 6 Years 9 Months 14 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 14₹10,000
31 Aug 15₹11,191
31 Aug 16₹12,391
31 Aug 17₹13,678
31 Aug 18₹14,254
31 Aug 19₹16,743

SBI Magnum Constant Maturity Fund SIP Returns

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

Returns for SBI Magnum Constant Maturity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Sep 19

DurationReturns
1 Month 0.6%
3 Month 3.4%
6 Month 9.7%
1 Year 18.7%
3 Year 10.5%
5 Year 10.8%
10 Year
15 Year
Since launch 8.3%
Historical performance (Yearly) on absolute basis
YearReturns
2018 9.9%
2017 6.2%
2016 12.8%
2015 9.1%
2014 12.6%
2013 8.7%
2012 9.2%
2011 8.4%
2010 5.2%
2009 -3.2%
Fund Manager information for SBI Magnum Constant Maturity Fund
NameSinceTenure
Mahak Khabhia7 May 180.98 Yr.

Data below for SBI Magnum Constant Maturity Fund as on 31 Jul 19

Asset Allocation
Asset ClassValue
Cash12.57%
Debt87.43%
Debt Sector Allocation
SectorValue
Government87.43%
Cash Equivalent12.57%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.68% Govt Stock 2031
Sovereign Bonds | -
37%₹163 Cr16,500,000
↓ -1,000,000
6.79% Govt Stock 2029
Sovereign Bonds | -
24%₹105 Cr10,500,000
↑ 5,000,000
7.26% Govt Stock 2029
Sovereign Bonds | -
24%₹105 Cr10,000,000
↓ -1,000,000
Treps
CBLO/Reverse Repo | -
11%₹48 Cr
GOVT STOCK
Sovereign Bonds | -
4%₹16 Cr1,500,000
↑ 1,500,000
Net Receivable / Payable
CBLO | -
2%₹8 Cr

6. IDFC Government Securities Fund - Investment Plan

IDFC – GSF -IP is an open ended dedicated gilt scheme with an objective to generate optimal returns with high liquidity by investing in Government Securities.However there is no assurance that the investment objective of the scheme will be realized.

IDFC Government Securities Fund - Investment Plan is a Debt - Government Bond fund was launched on 3 Dec 08. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.5% since its launch.  Ranked 14 in Government Bond category.  Return for 2018 was 7.8% , 2017 was 3.1% and 2016 was 13.9% .

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

IDFC Government Securities Fund - Investment Plan
Growth
Launch Date 3 Dec 08
NAV (18 Sep 19) ₹24.1688 ↑ 0.18   (0.73 %)
Net Assets (Cr) ₹396 on 31 Jul 19
Category Debt - Government Bond
AMC IDFC Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.37
Sharpe Ratio 2.85
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.78%
Effective Maturity 9 Years 3 Months
Modified Duration 6 Years 7 Months 28 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 14₹10,000
31 Aug 15₹11,382
31 Aug 16₹12,618
31 Aug 17₹13,965
31 Aug 18₹13,836
31 Aug 19₹16,287

IDFC Government Securities Fund - Investment Plan SIP Returns

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

Returns for IDFC Government Securities Fund - Investment Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Sep 19

DurationReturns
1 Month 0.8%
3 Month 3.4%
6 Month 9.7%
1 Year 18.6%
3 Year 8.8%
5 Year 10%
10 Year
15 Year
Since launch 8.5%
Historical performance (Yearly) on absolute basis
YearReturns
2018 7.8%
2017 3.1%
2016 13.9%
2015 6%
2014 16.5%
2013 6.3%
2012 13%
2011 9.9%
2010 4%
2009 -8.5%
Fund Manager information for IDFC Government Securities Fund - Investment Plan
NameSinceTenure
Suyash Choudhary15 Oct 108.63 Yr.

Data below for IDFC Government Securities Fund - Investment Plan as on 31 Jul 19

Asset Allocation
Asset ClassValue
Cash2.06%
Debt97.94%
Debt Sector Allocation
SectorValue
Government97.94%
Cash Equivalent2.06%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.17% Govt Stock 2028
Sovereign Bonds | -
53%₹234 Cr22,706,300
↑ 22,700,000
6.79% Govt Stock 2029
Sovereign Bonds | -
12%₹53 Cr5,300,000
↓ -21,500,000
7.59% Govt Stock 2026
Sovereign Bonds | -
9%₹41 Cr3,900,000
↑ 2,400,000
7.61% Govt Stock 2030
Sovereign Bonds | -
7%₹32 Cr3,000,000
↑ 3,000,000
7.59% Govt Stock 2029
Sovereign Bonds | -
6%₹26 Cr2,500,000
↑ 2,500,000
GOVT STOCK
Sovereign Bonds | -
5%₹24 Cr2,300,000
↓ -6,400,000
8.24% Govt Stock 2027
Sovereign Bonds | -
3%₹12 Cr1,100,000
↑ 1,100,000
6.68% Govt Stock 2031
Sovereign Bonds | -
2%₹10 Cr1,000,000
↑ 1,000,000
Net Current Assets
Net Current Assets | -
1%₹6 Cr
Triparty Repo
CBLO/Reverse Repo | -
1%₹2 Cr

7. ICICI Prudential Long Term Bond Fund

(Erstwhile ICICI Prudential Income Plan)

To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximising income while maintaining the optimum balance of yield, safety and liquidity.

ICICI Prudential Long Term Bond Fund is a Debt - Longterm Bond fund was launched on 9 Jul 98. It is a fund with Moderate risk and has given a CAGR/Annualized return of 9.2% since its launch.  Ranked 12 in Longterm Bond category.  Return for 2018 was 6.8% , 2017 was 4.1% and 2016 was 15.7% .

Below is the key information for ICICI Prudential Long Term Bond Fund

ICICI Prudential Long Term Bond Fund
Growth
Launch Date 9 Jul 98
NAV (18 Sep 19) ₹63.9651 ↑ 0.35   (0.55 %)
Net Assets (Cr) ₹784 on 31 Jul 19
Category Debt - Longterm Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.76
Sharpe Ratio 2.4
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.31%
Effective Maturity 10 Years 9 Months 29 Days
Modified Duration 6 Years 11 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 14₹10,000
31 Aug 15₹11,261
31 Aug 16₹12,677
31 Aug 17₹13,943
31 Aug 18₹13,841
31 Aug 19₹16,216

ICICI Prudential Long Term Bond Fund SIP Returns

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

Returns for ICICI Prudential Long Term Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Sep 19

DurationReturns
1 Month 0.5%
3 Month 3%
6 Month 9.6%
1 Year 18.2%
3 Year 8.5%
5 Year 9.9%
10 Year
15 Year
Since launch 9.2%
Historical performance (Yearly) on absolute basis
YearReturns
2018 6.8%
2017 4.1%
2016 15.7%
2015 5.1%
2014 16.9%
2013 0.9%
2012 10.2%
2011 7%
2010 3%
2009 1.1%
Fund Manager information for ICICI Prudential Long Term Bond Fund
NameSinceTenure
Manish Banthia19 Sep 135.53 Yr.

Data below for ICICI Prudential Long Term Bond Fund as on 31 Jul 19

Asset Allocation
Asset ClassValue
Cash3.66%
Debt96.34%
Debt Sector Allocation
SectorValue
Government77.17%
Corporate17.79%
Cash Equivalent5.04%
Credit Quality
RatingValue
AA7.42%
AAA92.58%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
GOVT STOCK
Sovereign Bonds | -
21%₹166 Cr15,500,000
7.26% Govt Stock 2029
Sovereign Bonds | -
16%₹127 Cr12,000,000
↓ -4,500,000
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
Debentures | -
10%₹76 Cr700
Housing And Urban Development Corporation Ltd.
Debentures | -
9%₹70 Cr650
7.61% Govt Stock 2030
Sovereign Bonds | -
7%₹58 Cr5,500,000
↑ 5,500,000
7.40% Govt Stock 2035
Sovereign Bonds | -
7%₹58 Cr5,500,000
The Great Eastern Shipping Company Limited
Debentures | -
7%₹56 Cr586
National Highways Authority Of India
Debentures | -
7%₹53 Cr500
Rural Electrification Corporation Limited
Debentures | -
6%₹49 Cr500
↑ 500
Reliance Utilities And Power Private Limited
Debentures | -
5%₹36 Cr348

8. Reliance Gilt Securities Fund

The primary investment objective of the scheme is to generate optimal credit risk-free returns by investing in a portfolio of securities issued and guaranteed by the Central Government and State Government.

Reliance Gilt Securities Fund is a Debt - Government Bond fund was launched on 22 Aug 08. It is a fund with Moderate risk and has given a CAGR/Annualized return of 9.3% since its launch.  Ranked 2 in Government Bond category.  Return for 2018 was 8% , 2017 was 3.4% and 2016 was 17% .

Below is the key information for Reliance Gilt Securities Fund

Reliance Gilt Securities Fund
Growth
Launch Date 22 Aug 08
NAV (18 Sep 19) ₹26.9533 ↑ 0.14   (0.52 %)
Net Assets (Cr) ₹1,099 on 31 Jul 19
Category Debt - Government Bond
AMC Reliance Nippon Life Asset Management Ltd.
Rating
Risk Moderate
Expense Ratio 1.81
Sharpe Ratio 3.1
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 6.55%
Effective Maturity 8 Years 9 Months 29 Days
Modified Duration 6 Years 3 Months

Growth of 10,000 investment over the years.

DateValue
31 Aug 14₹10,000
31 Aug 15₹11,436
31 Aug 16₹12,994
31 Aug 17₹14,398
31 Aug 18₹14,413
31 Aug 19₹16,852

Reliance Gilt Securities Fund SIP Returns

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

Returns for Reliance Gilt Securities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Sep 19

DurationReturns
1 Month 0.6%
3 Month 3.1%
6 Month 9.4%
1 Year 17.3%
3 Year 8.9%
5 Year 10.8%
10 Year
15 Year
Since launch 9.3%
Historical performance (Yearly) on absolute basis
YearReturns
2018 8%
2017 3.4%
2016 17%
2015 6.2%
2014 18.6%
2013 3.3%
2012 13%
2011 4.7%
2010 3.2%
2009 -9.7%
Fund Manager information for Reliance Gilt Securities Fund
NameSinceTenure
Prashant Pimple30 Mar 0910.09 Yr.
Kinjal Desai16 Jul 180.79 Yr.

Data below for Reliance Gilt Securities Fund as on 31 Jul 19

Asset Allocation
Asset ClassValue
Cash3.6%
Debt96.36%
Other0.04%
Debt Sector Allocation
SectorValue
Government96.36%
Cash Equivalent3.6%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2029
Sovereign Bonds | -
23%₹250 Cr25,000,000
↑ 15,500,000
GOVT STOCK
Sovereign Bonds | -
21%₹231 Cr22,202,900
↑ 10,000,000
GOVT STOCK
Sovereign Bonds | -
14%₹157 Cr15,000,000
↑ 4,500,000
8.24% Govt Stock 2027
Sovereign Bonds | -
12%₹130 Cr12,000,000
GOVT STOCK
Sovereign Bonds | -
10%₹108 Cr10,231,100
↑ 4,231,100
7.17% Govt Stock 2028
Sovereign Bonds | -
10%₹106 Cr10,283,700
↓ -889,300
Triparty Repo
CBLO/Reverse Repo | -
5%₹56 Cr
6.68% Govt Stock 2031
Sovereign Bonds | -
5%₹50 Cr5,015,700
↓ -7,500,000
Net Current Assets
Net Current Assets | -
2%-₹17 Cr
8.24% Govt Stock 2033
Sovereign Bonds | -
1%₹11 Cr1,000,000

9. SBI Magnum Gilt Fund

(Erstwhile SBI Magnum Gilt Fund - Long Term Plan)

To provide the investors with returns generated through investments in government securities issued by the Central Government and / or a State Government

SBI Magnum Gilt Fund is a Debt - Government Bond fund was launched on 30 Dec 00. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.3% since its launch.  Ranked 3 in Government Bond category.  Return for 2018 was 5.1% , 2017 was 3.9% and 2016 was 16.3% .

Below is the key information for SBI Magnum Gilt Fund

SBI Magnum Gilt Fund
Growth
Launch Date 30 Dec 00
NAV (18 Sep 19) ₹44.5377 ↑ 0.30   (0.67 %)
Net Assets (Cr) ₹1,574 on 31 Jul 19
Category Debt - Government Bond
AMC SBI Funds Management Private Limited
Rating
Risk Moderate
Expense Ratio 1.05
Sharpe Ratio 2.82
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.75%
Effective Maturity 10 Years 18 Days
Modified Duration 6 Years 10 Months 17 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 14₹10,000
31 Aug 15₹11,618
31 Aug 16₹13,015
31 Aug 17₹14,557
31 Aug 18₹14,428
31 Aug 19₹16,749

SBI Magnum Gilt Fund SIP Returns

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

Returns for SBI Magnum Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Sep 19

DurationReturns
1 Month 0.8%
3 Month 3.7%
6 Month 10.2%
1 Year 16.7%
3 Year 8.7%
5 Year 10.7%
10 Year
15 Year
Since launch 8.3%
Historical performance (Yearly) on absolute basis
YearReturns
2018 5.1%
2017 3.9%
2016 16.3%
2015 7.3%
2014 19.9%
2013 6.4%
2012 11%
2011 5.8%
2010 4.7%
2009 -13.6%
Fund Manager information for SBI Magnum Gilt Fund
NameSinceTenure
Dinesh Ahuja1 Feb 118.25 Yr.

Data below for SBI Magnum Gilt Fund as on 31 Jul 19

Asset Allocation
Asset ClassValue
Cash18.22%
Debt81.78%
Debt Sector Allocation
SectorValue
Government81.78%
Cash Equivalent18.22%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2029
Sovereign Bonds | -
25%₹415 Cr41,500,000
↑ 26,500,000
GOVT STOCK
Sovereign Bonds | -
21%₹343 Cr33,000,000
↑ 32,000,000
Treps
CBLO/Reverse Repo | -
18%₹287 Cr
7.26% Govt Stock 2029
Sovereign Bonds | -
13%₹220 Cr21,000,000
↓ -19,200,000
6.68% Govt Stock 2031
Sovereign Bonds | -
6%₹99 Cr10,000,000
↓ -4,000,000
GOVT STOCK
Sovereign Bonds | -
5%₹85 Cr8,000,000
↓ -8,000,000
6.84% TN SDL 2026
Sovereign Bonds | -
5%₹75 Cr7,000,000
7.18% MH SDL 2029
Sovereign Bonds | -
3%₹50 Cr5,000,000
↓ -4,000,000
GOVT STOCK
Sovereign Bonds | -
2%₹31 Cr3,000,000
↑ 3,000,000
08.26 MH SDL 2029
Sovereign Bonds | -
1%₹16 Cr1,500,000
↓ -500,000

10. DSP BlackRock Government Securities Fund

The Scheme aims to generate returns through investments in Central Govt Securities.

DSP BlackRock Government Securities Fund is a Debt - Government Bond fund was launched on 30 Sep 99. It is a fund with Moderate risk and has given a CAGR/Annualized return of 9.8% since its launch.  Ranked 9 in Government Bond category.  Return for 2018 was 7.4% , 2017 was 1.4% and 2016 was 15.3% .

Below is the key information for DSP BlackRock Government Securities Fund

DSP BlackRock Government Securities Fund
Growth
Launch Date 30 Sep 99
NAV (18 Sep 19) ₹64.4488 ↑ 0.34   (0.53 %)
Net Assets (Cr) ₹584 on 31 Jul 19
Category Debt - Government Bond
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk Moderate
Expense Ratio 1.34
Sharpe Ratio 3.19
Information Ratio 4.4
Alpha Ratio 7.05
Min Investment 1,000
Min SIP Investment 500
Exit Load 0-7 Days (0.1%),7 Days and above(NIL)
Yield to Maturity 6.44%
Effective Maturity 9 Years 8 Months 8 Days
Modified Duration 6 Years 18 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 14₹10,000
31 Aug 15₹11,249
31 Aug 16₹12,727
31 Aug 17₹13,782
31 Aug 18₹13,722
31 Aug 19₹15,968

DSP BlackRock Government Securities Fund SIP Returns

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

Returns for DSP BlackRock Government Securities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Sep 19

DurationReturns
1 Month 0.8%
3 Month 3.3%
6 Month 9.6%
1 Year 16.7%
3 Year 7.9%
5 Year 9.6%
10 Year
15 Year
Since launch 9.8%
Historical performance (Yearly) on absolute basis
YearReturns
2018 7.4%
2017 1.4%
2016 15.3%
2015 6.2%
2014 15%
2013 1.3%
2012 9%
2011 3.6%
2010 5%
2009 -3.1%
Fund Manager information for DSP BlackRock Government Securities Fund
NameSinceTenure
Vikram Chopra17 Jul 162.87 Yr.
Saurabh Bhatia1 Mar 181.25 Yr.

Data below for DSP BlackRock Government Securities Fund as on 31 Jul 19

Asset Allocation
Asset ClassValue
Cash9.77%
Debt90.23%
Debt Sector Allocation
SectorValue
Government90.23%
Cash Equivalent9.77%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2029
Sovereign Bonds | -
26%₹152 Cr15,000,000
↑ 15,000,000
GOVT STOCK
Sovereign Bonds | -
23%₹134 Cr12,500,000
↑ 10,000,000
7.26% Govt Stock 2029
Sovereign Bonds | -
20%₹116 Cr11,000,000
↓ -23,750,000
6.57% Govt Stock 2033
Sovereign Bonds | -
18%₹104 Cr10,500,000
↑ 10,500,000
Treps / Reverse Repo Investments / Corporate Debt Repo
CBLO/Reverse Repo | -
13%₹76 Cr
Net Receivables/Payables
Net Current Assets | -
12%-₹73 Cr
GOVT STOCK
Sovereign Bonds | -
11%₹64 Cr6,000,000
↑ 6,000,000
7.26% Goi 14012029 26sep19**
- | -
9%-₹52 Cr5,000,000
↑ 5,000,000
Cash Offset For Derivatives
Derivative Margin | -
9%₹52 Cr5,237
↓ -72
7.61% Govt Stock 2030
Sovereign Bonds | -
3%₹16 Cr1,500,000
↓ -3,500,000

Mutual Fund Companies

There are 42 Mutual Fund companies in India (called Asset Management Companies “AMCs”) which provide mutual fund schemes which investors can invest in. These Mutual Fund companies are regulated by SEBI. Some of the noticeable Mutual Fund Companies are:

1. SBI Mutual Fund

SBI Mutual Fund was set up in 1987 by the State Bank of India. Today SBI MF manages INR 1,57,025 crore (Mar-31-2017) of assets. It is one of largest asset management companies in India and offers over 70 funds across categories of equity, debt and balanced.

2. HDFC Mutual Fund

Setup in the year 2000, HDFC asset management company is one of the prominent asset managers looking after some famous names such as HDFC Equity Funds and the HDFC top 200 Fund. Today, it manages INR 2,37,177 crore (Mar-31-2017) of assets. It has schemes across asset classes and boasts of over 63 schemes that it manages. It is backed by the parent of the very large banking institution called Housing Development Finance Corporation (HDFC).

3. Reliance Mutual Fund

Setup in 1995, Reliance Mutual Fund is one of the oldest Mutual Fund companies in India. With explosive growth over the last 2 decades, today it has over 210890 crores (Mar-31-2017) of assets under management. It manages some of the oldest funds in the industry such as Reliance Vision Fund, Reliance Growth Fund, Reliance Banking Fund & Reliance Liquid Fund.

4. UTI Mutual Fund

UTI Mutual Fund is the oldest asset management company in India. Mutual Funds in India started in 1963 with the formation of the Unit Trust of India (UTI), since then UTI has grown over the years. Today, UTI AMC is a very large asset manager with assets of 1,36,810 crore (Mar-31-2017). Some of its prominent funds are UTI equity fund and UTI MNC Fund. It offers fund across asset classes.

5. Franklin Templeton Mutual Fund

Franklin Mutual Fund was set up in 1995. It is also a large fund house with assets of 81,615 crores (Mar-31-2017). Franklin Templeton Mutual Fund is backed by the US parent Templeton International Inc. Franklin Templeton Mutual Fund is a very process driven fund house

6. LIC Mutual Fund

Backed by the Life Insurance Corporation of India (LIC), this mutual fund company started operations in 1994. Today it manages about INR 21,475 crore (Mar-31-2017) of assets.

7. Blackrock Mutual Fund

DSP BlackRock Mutual Fund is a joint venture of DSP Group and BlackRock Inc. Setup in 1996 the fund house manages across asset classes. It manages names such as the DSP Blackrock Microcap Fund & the DSP Blackrock taxsaver Fund.

How To Invest In Mutual Funds

How to invest in Mutual Funds?There are various avenues to invest, one can go directly to funds houses, also one can use the services of a broker or distributor or one can even use a financial advisor. There are many advantages of using the services of a distributor, instead of going to different AMCs, making the process cumbersome one can use a distributor who can help interact and do the purchases & redemptions with all of them and make the process easy for the investor. Today, investors can also make the purchase of mutual funds online and be sitting at home to complete the entire process.

Mutual Fund Investment Plans

One can make various Mutual Fund investment plans given the risk profile of the investor. For those who can take higher risk, there are equity funds and for those with lower risk, there are debt/money market funds. One can do goal planning with various calculators to achieve a goal such as buying a house, car or any other asset. Using a SIP over a period of time one can try and achieve these goals. Also, using asset allocation one can choose the mix of assets given the level of risk one can tolerate.

Mutual Fund NAV

The industry is very transparent; funds are required to publish their prices daily. The price is known as the Net Asset Value (NAV). All mutual funds are required by SEBI to publish their NAV daily. The NAVs are published on websites of most AMCs as well as at the website of AMFI to ensure transparency.

Mutual Fund Calculator

The mutual fund calculator is a very important tool to plan for goals using SIPs and also to see how one can grow using the systematic investment plan. Taking basic inputs such as expected growth rate and inflation it can do all sorts of calculations. Access the calculator here:

Know Your Monthly SIP Amount

   
My Goal Amount:
Goal Tenure:
Years
Expected Annual Returns:
%
Total investment required is ₹56/month for 5 Years
  or   ₹2,381 one time (Lumpsum)
to achieve ₹5,000
Invest Now

Mutual Funds: Index Funds

Today, there are many index funds also available on the mutual fund platform. These are offered by various mutual fund companies. Other than index funds, there are various Exchange Traded Fund (ETFs) also available on the mutual fund platform.Nifty ETFs, Gold ETFs etc to name a few are all available in the fund's form.

Mutual Fund Ratings

Mutual funds ratings today are provided by many players like CRISIL, ICRA, MorningStar etc to name a few. mutual fund ratings usually take in a number of quantitative as well as qualitative factors to arrive at the final rating. The Mutual Fund rating is a good starting point for an investor in selecting the scheme.

Today, mutual funds have become an important route for retail investors, and choosing the best fund is very important for investors. Investors should always do their bit of research in understanding which funds to invest in and choosing the right distributor/advisor to help them on this journey.

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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Narendra kumar bansal, posted on 30 Aug 19 4:09 PM

Best mutual fund for 2 to 5 year investment in single schemes

Unknown, posted on 11 Jul 19 4:53 PM

Educative and very Useful information. Thank you.

Bholanath, posted on 30 Nov 18 4:21 PM

Great Read. Informative Page about all types of mutual funds.

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