+91-22-48913909ਲੰਬੀ ਮਿਆਦ ਦੇ ਕਰਜ਼ੇ ਫੰਡ- ਤੁਹਾਨੂੰ ਕਦੋਂ ਨਿਵੇਸ਼ ਕਰਨਾ ਚਾਹੀਦਾ ਹੈ?
ਲੰਬੇ ਸਮੇਂ ਦੇ ਕਰਜ਼ੇ ਫੰਡ ਇੱਕ ਕਿਸਮ ਦੇ ਕਰਜ਼ੇ ਹਨਮਿਉਚੁਅਲ ਫੰਡ ਜੋ ਕਾਰਪੋਰੇਟ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦੇ ਹਨਬਾਂਡ ਅਤੇ ਸਰਕਾਰੀ ਪ੍ਰਤੀਭੂਤੀਆਂ (ਜੀ-ਸੈਕੰਡ) ਜਿਹਨਾਂ ਦੀ ਮਿਆਦ ਪੂਰੀ ਹੋਣ ਦੀ ਲੰਮੀ ਮਿਆਦ ਹੁੰਦੀ ਹੈ। ਇਹਨਾਂ ਫੰਡਾਂ ਦੀ ਔਸਤ ਪਰਿਪੱਕਤਾ 3 ਸਾਲਾਂ ਤੋਂ ਵੱਧ ਹੁੰਦੀ ਹੈ, ਜ਼ਿਆਦਾਤਰ ਵਾਰ। ਇਸ ਲਈ, ਇਹ ਫੰਡ ਉਹਨਾਂ ਨਿਵੇਸ਼ਕਾਂ ਲਈ ਢੁਕਵੇਂ ਹਨ ਜੋ ਮੱਧ ਤੋਂ ਲੰਬੇ ਸਮੇਂ ਤੱਕ ਬਣਾਉਣਾ ਚਾਹੁੰਦੇ ਹਨਨਿਵੇਸ਼ ਯੋਜਨਾ ਭਾਵ, ਆਮ ਤੌਰ 'ਤੇ 3-5 ਸਾਲ ਜਾਂ ਇਸ ਤੋਂ ਵੀ ਵੱਧ। ਆਓ ਸਮਝੀਏ ਕਿ ਲੰਬੇ ਸਮੇਂ ਦੇ ਕਰਜ਼ੇ ਫੰਡ ਕਿਵੇਂ ਕੰਮ ਕਰਦੇ ਹਨ ਅਤੇ 2022 ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨ ਲਈ ਸਭ ਤੋਂ ਵਧੀਆ ਲੰਬੇ ਸਮੇਂ ਦੇ ਬਾਂਡ ਫੰਡ ਕੀ ਹਨ।
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ਲੰਬੀ ਮਿਆਦ ਦੇ ਕਰਜ਼ੇ ਫੰਡ- ਲੰਬੇ ਸਮੇਂ ਦੇ ਨਿਵੇਸ਼ ਲਈ ਇੱਕ ਯੋਜਨਾ
ਲੰਬੇ ਸਮੇਂ ਦੇ ਕਰਜ਼ੇ ਫੰਡ ਆਪਣੇ ਵੱਡੇ ਨਿਵੇਸ਼ ਕਰਦੇ ਹਨਅੰਡਰਲਾਈੰਗ ਕਾਰਪੋਰੇਟ ਡਿਬੈਂਚਰ, ਬਾਂਡ ਅਤੇ ਕਰਜ਼ੇ ਦੇ ਯੰਤਰਾਂ ਵਿੱਚ ਸੰਪਤੀਪੈਸੇ ਦੀ ਮਾਰਕੀਟ ਉੱਚ ਪਰਿਪੱਕਤਾ ਅਵਧੀ ਵਾਲੇ ਯੰਤਰ ਅਤੇ ਸਰਕਾਰੀ ਪ੍ਰਤੀਭੂਤੀਆਂ। ਨਿਵੇਸ਼ਕਾਂ ਨੂੰ ਲੰਬੇ ਸਮੇਂ ਦੇ ਕਰਜ਼ੇ ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨਾ ਚਾਹੀਦਾ ਹੈ ਜੇਕਰ ਉਹਨਾਂ ਕੋਲ 3 ਸਾਲਾਂ ਤੋਂ ਵੱਧ ਦੀ ਨਿਵੇਸ਼ ਸਮਾਂ ਸੀਮਾ ਹੈ। ਨਾਲ ਹੀ, ਇਹ ਫੰਡ ਸਿਰਫ ਉਹਨਾਂ ਨਿਵੇਸ਼ਕਾਂ ਲਈ ਢੁਕਵਾਂ ਹੈ ਜੋ ਨਿਵੇਸ਼ ਵਿੱਚ ਕੁਝ ਪੱਧਰ ਦਾ ਜੋਖਮ ਲੈਣ ਲਈ ਤਿਆਰ ਹਨ।
ਲੰਬੇ ਸਮੇਂ ਦੇ ਕਰਜ਼ੇ ਫੰਡ ਵਿਆਜ ਦਰ ਵਿੱਚ ਤਬਦੀਲੀਆਂ ਪ੍ਰਤੀ ਸੰਵੇਦਨਸ਼ੀਲ ਹੁੰਦੇ ਹਨ ਅਤੇ ਕਰਜ਼ੇ ਦੇ ਫੰਡਾਂ ਦੀਆਂ ਹੋਰ ਸ਼੍ਰੇਣੀਆਂ ਨਾਲੋਂ ਵਧੇਰੇ ਅਸਥਿਰ ਹੁੰਦੇ ਹਨ। ਕਰਜ਼ੇ ਦੇ ਯੰਤਰਾਂ ਦੀਆਂ ਵਿਆਜ ਦਰਾਂ ਅਤੇ ਕੀਮਤਾਂ ਦਾ ਇੱਕ ਉਲਟ ਸਬੰਧ ਹੈ, ਜਿਸਦਾ ਮਤਲਬ ਹੈ ਕਿ ਉਹ ਉਲਟ ਦਿਸ਼ਾਵਾਂ ਵਿੱਚ ਚਲਦੇ ਹਨ। ਉਦਾਹਰਨ ਲਈ, ਇੱਕ ਡਿੱਗਦੀ ਵਿਆਜ ਦਰ ਰਿਣ ਫੰਡਾਂ ਜਾਂ ਬਾਂਡ ਫੰਡਾਂ ਲਈ ਚੰਗੀ ਹੈ। ਲੰਮਾ ਸਮਾਂਆਮਦਨ ਫੰਡਾਂ ਨੂੰ ਆਮ ਤੌਰ 'ਤੇ ਲਾਭ ਹੁੰਦਾ ਹੈ ਜਦੋਂ ਵਿਆਜ ਦਰਾਂ ਹੇਠਾਂ ਵੱਲ ਵਧਦੀਆਂ ਹਨ। ਇਸ ਤੋਂ ਇਲਾਵਾ, ਵਿਆਜ ਦਰਾਂ ਵਿੱਚ ਗਿਰਾਵਟ ਦੇ ਦੌਰਾਨ, ਬਾਂਡ ਦੀਆਂ ਕੀਮਤਾਂ ਵੱਧ ਜਾਂਦੀਆਂ ਹਨ ਅਤੇ ਇਹ ਵਾਧਾ ਹੁੰਦਾ ਹੈNAVs ਦੀਕਰਜ਼ਾ ਫੰਡ ਸਕੀਮਾਂ।
ਡਿੱਗਦੀ ਵਿਆਜ ਦਰ ਦੀ ਸਥਿਤੀ ਵਿੱਚ, ਅਜਿਹੇ ਬਾਂਡਾਂ ਦੀ ਔਸਤ ਪਰਿਪੱਕਤਾ ਲਗਭਗ 7-10 ਸਾਲਾਂ ਤੱਕ ਜਾ ਸਕਦੀ ਹੈ। ਜਦੋਂ ਵਿਆਜ ਦਰਾਂ ਵਧਦੀਆਂ ਹਨ, ਤਾਂ ਉਹ ਘੱਟ ਮਿਆਦ ਵਾਲੀਆਂ ਪ੍ਰਤੀਭੂਤੀਆਂ ਨੂੰ ਸਟਾਕ ਕਰਦੇ ਹਨ ਅਤੇ ਪੋਰਟਫੋਲੀਓ ਦੀ ਔਸਤ ਪਰਿਪੱਕਤਾ ਨੂੰ ਘੱਟ ਰੱਖਦੇ ਹਨ।
ਜਿਆਦਾਤਰ, ਲੰਬੇ ਸਮੇਂ ਦੇ ਬਾਂਡ ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨ ਦੀ ਸਲਾਹ ਦਿੱਤੀ ਜਾਂਦੀ ਹੈ ਜਦੋਂ ਵਿਆਜ ਦਰਾਂ ਵਿੱਚ ਕਮੀ ਦੀ ਉਮੀਦ ਕੀਤੀ ਜਾਂਦੀ ਹੈ ਕਿਉਂਕਿ ਵਿਆਜ ਦਰਾਂ ਵਿੱਚ ਕਮੀ ਲੰਬੇ ਸਮੇਂ ਦੀਆਂ ਪ੍ਰਤੀਭੂਤੀਆਂ ਦੀਆਂ ਕੀਮਤਾਂ ਵਿੱਚ ਵਾਧੇ ਦਾ ਕਾਰਨ ਬਣਦੀ ਹੈ। ਨਿਵੇਸ਼ਕ ਜੋ ਵਿਆਜ ਦਰਾਂ ਵਿੱਚ ਉਤਰਾਅ-ਚੜ੍ਹਾਅ ਨਾਲ ਸਹਿਜ ਹਨਬਜ਼ਾਰ, ਸਿਰਫ ਤਰਜੀਹ ਕਰਨੀ ਚਾਹੀਦੀ ਹੈਨਿਵੇਸ਼ ਲੰਬੇ ਸਮੇਂ ਦੇ ਕਰਜ਼ੇ ਫੰਡਾਂ ਵਿੱਚ.
ਰਿਟਰਨ ਅਤੇ ਜੋਖਮ
ਇਹ ਫੰਡ ਵੱਧ ਤੋਂ ਵੱਧ ਰਿਟਰਨ ਦੇਣ ਲਈ ਹੁੰਦੇ ਹਨਬੈਂਕ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਇਸ ਤੋਂ ਇਲਾਵਾ, ਜੇ ਤਿੰਨ ਸਾਲਾਂ ਤੋਂ ਵੱਧ ਸਮੇਂ ਲਈ ਰੱਖੀ ਜਾਂਦੀ ਹੈ, ਤਾਂ ਰਿਟਰਨ ਵਧੇਰੇ ਟੈਕਸ ਕੁਸ਼ਲ ਹੁੰਦੇ ਹਨ। ਪਰ, ਜੋਖਮ ਵਾਲੇ ਪਾਸੇ, ਇਹ ਫੰਡ ਅਸਥਿਰ ਹੋ ਸਕਦੇ ਹਨ ਜਦੋਂ ਵਿਆਜ ਦਰਾਂ ਅਚਾਨਕ ਦਿਸ਼ਾ ਬਦਲਦੀਆਂ ਹਨ. ਨਿਰੰਤਰ ਵਧ ਰਹੀ ਵਿਆਜ ਦਰ ਪ੍ਰਣਾਲੀ ਵਿੱਚ, ਇਹ ਫੰਡ ਮਾਮੂਲੀ ਰਿਟਰਨ ਦਿੰਦੇ ਹਨ ਕਿਉਂਕਿ ਉਹ ਲੰਬੇ ਸਮੇਂ ਦੇ ਬਾਂਡ ਨਹੀਂ ਵੇਚ ਸਕਦੇ ਅਤੇ ਛੋਟੀ ਮਿਆਦ ਵਾਲੀਆਂ ਸਕ੍ਰਿਪਟਾਂ ਵਿੱਚ ਸਵਿਚ ਨਹੀਂ ਕਰ ਸਕਦੇ।
ਲੰਬੀ ਮਿਆਦ ਦੇ ਕਰਜ਼ੇ ਫੰਡ ਟੈਕਸ
ਕਰਜ਼ੇ ਦੇ ਫੰਡਾਂ 'ਤੇ ਟੈਕਸ ਪ੍ਰਭਾਵ ਦੀ ਗਣਨਾ ਹੇਠ ਲਿਖੇ ਤਰੀਕੇ ਨਾਲ ਕੀਤੀ ਜਾਂਦੀ ਹੈ-
ਛੋਟੀ ਮਿਆਦ ਦੇ ਪੂੰਜੀ ਲਾਭ
ਜੇਕਰ ਕਿਸੇ ਕਰਜ਼ੇ ਦੇ ਨਿਵੇਸ਼ ਦੀ ਹੋਲਡਿੰਗ ਮਿਆਦ 36 ਮਹੀਨਿਆਂ ਤੋਂ ਘੱਟ ਹੈ, ਤਾਂ ਇਸਨੂੰ ਇੱਕ ਛੋਟੀ ਮਿਆਦ ਦੇ ਨਿਵੇਸ਼ ਵਜੋਂ ਸ਼੍ਰੇਣੀਬੱਧ ਕੀਤਾ ਜਾਂਦਾ ਹੈ ਅਤੇ ਇਹਨਾਂ 'ਤੇ ਵਿਅਕਤੀਗਤ ਟੈਕਸ ਸਲੈਬ ਦੇ ਅਨੁਸਾਰ ਟੈਕਸ ਲਗਾਇਆ ਜਾਂਦਾ ਹੈ।
ਲੰਬੀ ਮਿਆਦ ਦੇ ਪੂੰਜੀ ਲਾਭ
ਜੇ ਕਰਜ਼ੇ ਦੇ ਨਿਵੇਸ਼ ਦੀ ਹੋਲਡਿੰਗ ਮਿਆਦ 36 ਮਹੀਨਿਆਂ ਤੋਂ ਵੱਧ ਹੈ, ਤਾਂ ਇਸ ਨੂੰ ਲੰਬੇ ਸਮੇਂ ਦੇ ਨਿਵੇਸ਼ ਵਜੋਂ ਸ਼੍ਰੇਣੀਬੱਧ ਕੀਤਾ ਜਾਂਦਾ ਹੈ ਅਤੇ ਸੂਚਕਾਂਕ ਲਾਭ ਦੇ ਨਾਲ 20% 'ਤੇ ਟੈਕਸ ਲਗਾਇਆ ਜਾਂਦਾ ਹੈ।
| ਪੂੰਜੀ ਲਾਭ | ਨਿਵੇਸ਼ ਹੋਲਡਿੰਗ ਲਾਭ | ਟੈਕਸੇਸ਼ਨ |
|---|---|---|
| ਘੱਟ ਸਮੇਂ ਲਈਪੂੰਜੀ ਲਾਭ | 36 ਮਹੀਨਿਆਂ ਤੋਂ ਘੱਟ | ਵਿਅਕਤੀ ਦੇ ਟੈਕਸ ਸਲੈਬ ਦੇ ਅਨੁਸਾਰ |
| ਲੰਬੀ ਮਿਆਦ ਦੇ ਪੂੰਜੀ ਲਾਭ | 36 ਮਹੀਨਿਆਂ ਤੋਂ ਵੱਧ | ਸੂਚਕਾਂਕ ਲਾਭਾਂ ਦੇ ਨਾਲ 20% |
ਲੰਬੇ ਸਮੇਂ ਦੇ ਬਾਂਡ ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਿਵੇਂ ਕਰੀਏ?
ਨਿਵੇਸ਼ਕ ਦੋ ਤਰੀਕਿਆਂ ਨਾਲ ਨਿਵੇਸ਼ ਕਰ ਸਕਦੇ ਹਨ-SIP ਜਾਂ ਇੱਕਮੁਸ਼ਤ ਰਕਮ। ਔਸਤ ਨਿਵੇਸ਼ਕਾਂ ਲਈ, SIP (ਸਿਸਟਮੈਟਿਕ ਇਨਵੈਸਟਮੈਂਟ ਪਲਾਨ) ਸਭ ਤੋਂ ਵਿਹਾਰਕ ਵਿਕਲਪ ਹੈ। ਇਹ ਤੁਹਾਨੂੰ ਮਹੀਨਾਵਾਰ/ਤਿਮਾਹੀ/ਸਲਾਨਾ ਨਿਵੇਸ਼ ਕਰਨ ਦਾ ਇੱਕ ਯੋਜਨਾਬੱਧ ਵਿਕਲਪ ਦਿੰਦਾ ਹੈਆਧਾਰ. ਇੱਕਮੁਸ਼ਤ ਰਕਮ ਵਿੱਚ, ਨਿਵੇਸ਼ਕਾਂ ਨੂੰ ਯੋਜਨਾ ਵਿੱਚ ਵਨ-ਟਾਈਮ ਡਾਊਨ ਪੇਮੈਂਟ ਵਜੋਂ ਕਾਫ਼ੀ ਰਕਮ ਨਿਵੇਸ਼ ਕਰਨੀ ਪੈਂਦੀ ਹੈ। ਇੱਕਮੁਸ਼ਤ ਰਕਮ ਲਈ ਘੱਟੋ-ਘੱਟ ਨਿਵੇਸ਼ ਰਕਮ INR 5000 ਹੈ, ਜਦੋਂ ਕਿ ਇੱਕ SIP ਲਈ ਇਹ INR 500 ਹੈ।
2022 ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਨ ਲਈ ਸਰਬੋਤਮ ਲੰਬੇ ਸਮੇਂ ਦੇ ਬਾਂਡ ਫੰਡ
Fund NAV Net Assets (Cr) Min Investment Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2025 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Bandhan Government Securities Fund - Investment Plan Growth ₹37.517
↓ -0.20 ₹1,875 5,000 1,000 3.6 5.4 8 7.6 3.7 7.37% 11Y 5M 5D 27Y 5M 26D Franklin India Government Securities Fund Growth ₹61.6781
↓ -0.09 ₹149 10,000 500 2.4 3.1 6.3 6.2 5.5 7.21% 5Y 6M 17Y 10M 2D ICICI Prudential Corporate Bond Fund Growth ₹31.9421
↓ -0.05 ₹30,202 5,000 100 2.8 3.2 6.1 7.4 8 7.35% 3Y 5M 23D 6Y 14D BNP Paribas Corporate Bond Fund Growth ₹29.4151
↓ -0.03 ₹270 5,000 300 2.9 3.2 5.9 7.6 8.3 7.2% 2Y 8M 5D 3Y 7M 13D UTI Gilt Fund Growth ₹65.9506
↓ -0.17 ₹423 5,000 500 1.9 3.2 5.9 6.8 5.1 6.12% 3Y 1M 6D 7Y Franklin India Corporate Debt Fund Growth ₹106.477
↓ -0.09 ₹1,345 10,000 500 2.1 2.9 5.9 7.5 9.1 7.42% 1Y 11M 16D 4Y 29D ICICI Prudential Gilt Fund Growth ₹108.679
↓ -0.31 ₹8,890 5,000 1,000 4 3.7 5.7 7.1 6.8 7.47% 9Y 5M 12D 21Y 5M 1D Bandhan Corporate Bond Fund Growth ₹20.4928
↓ -0.04 ₹13,675 5,000 1,000 2.7 3.3 5.7 7.1 7.4 7.08% 2Y 10M 13D 4Y 5M 19D Axis Gilt Fund Growth ₹26.7472
↓ -0.08 ₹405 5,000 1,000 3.4 3.4 5.4 7.2 5.2 7.13% 8Y 10M 10D 21Y 9M 29D Kotak Corporate Bond Fund Standard Growth ₹4,008.88
↓ -6.94 ₹15,171 5,000 1,000 2.6 2.6 5.3 7.2 7.8 7.45% 2Y 11M 19D 4Y 9M 14D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Aug 26 Research Highlights & Commentary of 10 Funds showcased
Commentary Bandhan Government Securities Fund - Investment Plan Franklin India Government Securities Fund ICICI Prudential Corporate Bond Fund BNP Paribas Corporate Bond Fund UTI Gilt Fund Franklin India Corporate Debt Fund ICICI Prudential Gilt Fund Bandhan Corporate Bond Fund Axis Gilt Fund Kotak Corporate Bond Fund Standard Point 1 Upper mid AUM (₹1,875 Cr). Bottom quartile AUM (₹149 Cr). Highest AUM (₹30,202 Cr). Bottom quartile AUM (₹270 Cr). Lower mid AUM (₹423 Cr). Lower mid AUM (₹1,345 Cr). Upper mid AUM (₹8,890 Cr). Upper mid AUM (₹13,675 Cr). Bottom quartile AUM (₹405 Cr). Top quartile AUM (₹15,171 Cr). Point 2 Established history (17+ yrs). Established history (24+ yrs). Established history (17+ yrs). Established history (17+ yrs). Established history (24+ yrs). Oldest track record among peers (29 yrs). Established history (27+ yrs). Established history (10+ yrs). Established history (14+ yrs). Established history (18+ yrs). Point 3 Rating: 3★ (upper mid). Rating: 3★ (lower mid). Top rated. Rating: 3★ (lower mid). Rating: 4★ (top quartile). Rating: 2★ (bottom quartile). Rating: 4★ (upper mid). Not Rated. Rating: 1★ (bottom quartile). Rating: 4★ (upper mid). Point 4 Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderately Low. Point 5 1Y return: 8.04% (top quartile). 1Y return: 6.33% (top quartile). 1Y return: 6.05% (upper mid). 1Y return: 5.93% (upper mid). 1Y return: 5.85% (upper mid). 1Y return: 5.85% (lower mid). 1Y return: 5.70% (lower mid). 1Y return: 5.70% (bottom quartile). 1Y return: 5.40% (bottom quartile). 1Y return: 5.29% (bottom quartile). Point 6 1M return: -0.10% (bottom quartile). 1M return: 0.48% (upper mid). 1M return: 0.44% (upper mid). 1M return: 0.52% (top quartile). 1M return: 0.29% (bottom quartile). 1M return: 0.47% (upper mid). 1M return: 0.56% (top quartile). 1M return: 0.42% (lower mid). 1M return: 0.19% (bottom quartile). 1M return: 0.36% (lower mid). Point 7 Sharpe: 0.09 (top quartile). Sharpe: -0.21 (lower mid). Sharpe: 0.12 (top quartile). Sharpe: 0.02 (upper mid). Sharpe: -0.35 (bottom quartile). Sharpe: -0.05 (upper mid). Sharpe: -0.29 (bottom quartile). Sharpe: -0.09 (upper mid). Sharpe: -0.31 (bottom quartile). Sharpe: -0.26 (lower mid). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 7.37% (upper mid). Yield to maturity (debt): 7.21% (lower mid). Yield to maturity (debt): 7.35% (upper mid). Yield to maturity (debt): 7.20% (lower mid). Yield to maturity (debt): 6.12% (bottom quartile). Yield to maturity (debt): 7.42% (upper mid). Yield to maturity (debt): 7.47% (top quartile). Yield to maturity (debt): 7.08% (bottom quartile). Yield to maturity (debt): 7.13% (bottom quartile). Yield to maturity (debt): 7.45% (top quartile). Point 10 Modified duration: 11.43 yrs (bottom quartile). Modified duration: 5.50 yrs (lower mid). Modified duration: 3.48 yrs (lower mid). Modified duration: 2.68 yrs (top quartile). Modified duration: 3.10 yrs (upper mid). Modified duration: 1.96 yrs (top quartile). Modified duration: 9.45 yrs (bottom quartile). Modified duration: 2.87 yrs (upper mid). Modified duration: 8.86 yrs (bottom quartile). Modified duration: 2.97 yrs (upper mid). Bandhan Government Securities Fund - Investment Plan
Franklin India Government Securities Fund
ICICI Prudential Corporate Bond Fund
BNP Paribas Corporate Bond Fund
UTI Gilt Fund
Franklin India Corporate Debt Fund
ICICI Prudential Gilt Fund
Bandhan Corporate Bond Fund
Axis Gilt Fund
Kotak Corporate Bond Fund Standard
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. Below is the key information for Bandhan Government Securities Fund - Investment Plan 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 Ultra Short Term Plan) ICICI Prudential Ultra Short Term Plan is an open-ended income fund that intends to generate regular income through investments in a basket of debt and money market instruments of very short maturities with a view to providing reasonable returns, while maintaining an optimum balance of safety, liquidity and yield. However, there can be no assurance that the investment objective of the scheme will be realized. Research Highlights for ICICI Prudential Corporate Bond Fund Below is the key information for ICICI Prudential Corporate Bond Fund Returns up to 1 year are on The investment objective of the Scheme is to generate income and capital gains through investments in a portfolio of debt and money market instruments. However, there can be no assurance that the investment objectives of the Scheme will be realized. The Scheme launched hereunder does not guarantee/indicate any returns. Research Highlights for BNP Paribas Corporate Bond Fund Below is the key information for BNP Paribas Corporate Bond Fund Returns up to 1 year are on (Erstwhile UTI Gilt Advantage Fund- LTP) To generate credit risk-free return through investment in sovereign securities issued by the Central Government and / or a State Government and / or any security unconditionally guaranteed by the Central Government and / or a State Government for repayment of principal and interest. However there can be no assurance that the investment objective of the Scheme will be achieved. Research Highlights for UTI Gilt Fund Below is the key information for UTI Gilt Fund Returns up to 1 year are on (Erstwhile Franklin India Income Builder Account - Plan A) The investment objective of the Scheme is primarily to provide investors Regular income under the Dividend Plan and Capital appreciation under the Growth Plan. Research Highlights for Franklin India Corporate Debt Fund Below is the key information for Franklin India Corporate Debt 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 The Fund seeks to provide steady income and capital appreciation by investing primarily in corporate debt securities across maturities and ratings. There is no assurance or guarantee that the objectives of the scheme will be realised. Research Highlights for Bandhan Corporate Bond Fund Below is the key information for Bandhan Corporate Bond 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. Research Highlights for Axis Gilt Fund Below is the key information for Axis Gilt Fund Returns up to 1 year are on The primary objective of the Scheme is to generate income through investment primarily in low duration debt & money market securities. However, there is no
assurance that the objective of the scheme will be realized. Research Highlights for Kotak Corporate Bond Fund Standard Below is the key information for Kotak Corporate Bond Fund Standard Returns up to 1 year are on 1. Bandhan Government Securities Fund - Investment Plan
Bandhan Government Securities Fund - Investment Plan
Growth Launch Date 3 Dec 08 NAV (20 Aug 26) ₹37.517 ↓ -0.20 (-0.54 %) Net Assets (Cr) ₹1,875 on 15 Jul 26 Category Debt - Government Bond AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.13 Sharpe Ratio 0.09 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.37% Effective Maturity 27 Years 5 Months 26 Days Modified Duration 11 Years 5 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,141 31 Jul 23 ₹10,742 31 Jul 24 ₹11,825 31 Jul 25 ₹12,568 31 Jul 26 ₹13,321 Returns for Bandhan Government Securities Fund - Investment Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Aug 26 Duration Returns 1 Month -0.1% 3 Month 3.6% 6 Month 5.4% 1 Year 8% 3 Year 7.6% 5 Year 5.9% 10 Year 15 Year Since launch 7.8% 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 15.8 Yr. Brijesh Shah 10 Jun 24 2.14 Yr. Data below for Bandhan Government Securities Fund - Investment Plan as on 15 Jul 26
Asset Allocation
Asset Class Value Cash 3.08% Debt 96.92% Debt Sector Allocation
Sector Value Government 96.92% Cash Equivalent 3.08% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.24% Govt Stock 2055
Sovereign Bonds | -68% ₹1,278 Cr 130,100,000
↑ 10,600,000 7.3% Govt Stock 2053
Sovereign Bonds | -19% ₹361 Cr 36,500,000 7.36% Govt Stock 2052
Sovereign Bonds | -9% ₹163 Cr 16,400,000 6.9% Govt Stock 2065
Sovereign Bonds | -1% ₹16 Cr 1,700,000 Net Current Assets
Net Current Assets | -2% ₹44 Cr Triparty Repo Trp_160726
CBLO/Reverse Repo | -1% ₹14 Cr Cash Margin - Ccil
CBLO/Reverse Repo | -0% ₹0 Cr 6.68% Govt Stock 2040
Sovereign Bonds | -₹0 Cr 00
↓ -11,500,000 2. Franklin India Government Securities Fund
Franklin India Government Securities Fund
Growth Launch Date 7 Dec 01 NAV (20 Aug 26) ₹61.6781 ↓ -0.09 (-0.15 %) Net Assets (Cr) ₹149 on 31 Jul 26 Category Debt - Government Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.14 Sharpe Ratio -0.22 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.21% Effective Maturity 17 Years 10 Months 2 Days Modified Duration 5 Years 6 Months Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,265 31 Jul 23 ₹10,762 31 Jul 24 ₹11,461 31 Jul 25 ₹12,306 31 Jul 26 ₹12,863 Returns for Franklin India Government Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Aug 26 Duration Returns 1 Month 0.5% 3 Month 2.4% 6 Month 3.1% 1 Year 6.3% 3 Year 6.2% 5 Year 5.1% 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 2.82 Yr. Anuj Tagra 7 Mar 24 2.4 Yr. Data below for Franklin India Government Securities Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 25.58% Debt 74.42% Debt Sector Allocation
Sector Value Government 81.12% Cash Equivalent 18.88% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Maharashtra SDL
Sovereign Bonds | -21% ₹31 Cr 3,000,000 7.62% Punjab Sgs 2033
Sovereign Bonds | -11% ₹16 Cr 1,500,000 7.73% Andhra Sgs 2032
Sovereign Bonds | -11% ₹16 Cr 1,500,000 6.9% Govt Stock 2065
Sovereign Bonds | -10% ₹14 Cr 1,529,400
↓ -1,000,000 7.86% Haryana Sdl 2032
Sovereign Bonds | -7% ₹10 Cr 1,000,000 India (Republic of)
- | -7% ₹10 Cr 1,000,000
↑ 1,000,000 Himachal Pradesh (Government of) 7.56%
- | -4% ₹5 Cr 550,200
↑ 550,200 7.17% Rajasthan Sdl 2032
Sovereign Bonds | -3% ₹5 Cr 500,000 Kerala (Government of) 7.56%
- | -3% ₹5 Cr 510,200
↑ 510,200 7.71% Govt Stock 2066
Sovereign Bonds | -2% ₹3 Cr 332,200
↓ -1,523,000 3. ICICI Prudential Corporate Bond Fund
ICICI Prudential Corporate Bond Fund
Growth Launch Date 11 Aug 09 NAV (20 Aug 26) ₹31.9421 ↓ -0.05 (-0.15 %) Net Assets (Cr) ₹30,202 on 31 Jul 26 Category Debt - Corporate Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.57 Sharpe Ratio 0.12 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.35% Effective Maturity 6 Years 14 Days Modified Duration 3 Years 5 Months 23 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,339 31 Jul 23 ₹11,141 31 Jul 24 ₹11,997 31 Jul 25 ₹13,059 31 Jul 26 ₹13,822 Returns for ICICI Prudential Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Aug 26 Duration Returns 1 Month 0.4% 3 Month 2.8% 6 Month 3.2% 1 Year 6.1% 3 Year 7.4% 5 Year 6.7% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2025 8% 2024 8% 2023 7.6% 2022 4.5% 2021 4.1% 2020 10.4% 2019 9.9% 2018 6.4% 2017 6.3% 2016 9.8% Fund Manager information for ICICI Prudential Corporate Bond Fund
Name Since Tenure Manish Banthia 22 Jan 24 2.53 Yr. Ritesh Lunawat 22 Jan 24 2.53 Yr. Data below for ICICI Prudential Corporate Bond Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 3.8% Debt 95.88% Other 0.33% Debt Sector Allocation
Sector Value Corporate 65.6% Government 33.7% Cash Equivalent 0.37% Credit Quality
Rating Value AA 0.57% AAA 99.43% Top Securities Holdings / Portfolio
Name Holding Value Quantity LIC Housing Finance Ltd
Debentures | -5% ₹1,454 Cr 145,500 6.94% Govt Stock 2036
Sovereign Bonds | -3% ₹1,048 Cr 103,598,930
↓ -9,016,270 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -3% ₹987 Cr 1,000 SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -3% ₹883 Cr 900 National Bank For Agriculture And Rural Development
Debentures | -2% ₹746 Cr 74,550 Small Industries Development Bank Of India
Debentures | -2% ₹738 Cr 74,433 6.9% Govt Stock 2065
Sovereign Bonds | -2% ₹730 Cr 79,000,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹634 Cr 63,500 7.34% Govt Stock 2064
Sovereign Bonds | -2% ₹571 Cr 58,412,000 Bajaj Finance Ltd.
Debentures | -2% ₹497 Cr 50,000
↑ 50,000 4. BNP Paribas Corporate Bond Fund
BNP Paribas Corporate Bond Fund
Growth Launch Date 8 Nov 08 NAV (20 Aug 26) ₹29.4151 ↓ -0.03 (-0.10 %) Net Assets (Cr) ₹270 on 31 Jul 26 Category Debt - Corporate Bond AMC BNP Paribas Asset Mgmt India Pvt. Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.58 Sharpe Ratio 0.02 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-12 Months (1%),12-24 Months (0.5%),24-36 Months (0.25%),36 Months and above(NIL) Yield to Maturity 7.2% Effective Maturity 3 Years 7 Months 13 Days Modified Duration 2 Years 8 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,054 31 Jul 23 ₹10,722 31 Jul 24 ₹11,511 31 Jul 25 ₹12,626 31 Jul 26 ₹13,339 Returns for BNP Paribas Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Aug 26 Duration Returns 1 Month 0.5% 3 Month 2.9% 6 Month 3.2% 1 Year 5.9% 3 Year 7.6% 5 Year 5.9% 10 Year 15 Year Since launch 6.3% Historical performance (Yearly) on absolute basis
Year Returns 2025 8.3% 2024 8.3% 2023 7% 2022 1.6% 2021 2.2% 2020 9.9% 2019 0.9% 2018 5.2% 2017 6.7% 2016 10.8% Fund Manager information for BNP Paribas Corporate Bond Fund
Name Since Tenure Gurvinder Wasan 21 Oct 24 1.78 Yr. Vikram Pamnani 11 Jul 24 2.06 Yr. Data below for BNP Paribas Corporate Bond Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 4.69% Equity 3.9% Debt 90.96% Other 0.45% Debt Sector Allocation
Sector Value Corporate 75.75% Government 15.21% Cash Equivalent 4.69% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Ntpc Limited
Debentures | -5% ₹15 Cr 150 6.94% Govt Stock 2036
Sovereign Bonds | -5% ₹13 Cr 1,300,000
↑ 600,000 Small Industries Development Bank Of India
Debentures | -4% ₹12 Cr 1,200 Rec Limited
Debentures | -4% ₹11 Cr 1,100
↑ 1,100 Hindustan Petroleum Corporation Limited
Debentures | -4% ₹10 Cr 100 Hindustan Petroleum Corporation Limited
Debentures | -3% ₹10 Cr 1,000 Indian Oil Corporation Limited
Debentures | -3% ₹10 Cr 1,000 LIC Housing Finance Ltd
Debentures | -3% ₹10 Cr 1,000 GAil (India) Limited
Debentures | -3% ₹10 Cr 100 Bajaj Finance Limited
Debentures | -3% ₹10 Cr 1,000 5. UTI Gilt Fund
UTI Gilt Fund
Growth Launch Date 21 Jan 02 NAV (20 Aug 26) ₹65.9506 ↓ -0.17 (-0.26 %) Net Assets (Cr) ₹423 on 31 Jul 26 Category Debt - Government Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.92 Sharpe Ratio -0.35 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.12% Effective Maturity 7 Years Modified Duration 3 Years 1 Month 6 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,156 31 Jul 23 ₹10,895 31 Jul 24 ₹11,794 31 Jul 25 ₹12,701 31 Jul 26 ₹13,236 Returns for UTI Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Aug 26 Duration Returns 1 Month 0.3% 3 Month 1.9% 6 Month 3.2% 1 Year 5.9% 3 Year 6.8% 5 Year 5.7% 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 1.31 Yr. Data below for UTI Gilt Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 15.38% Debt 84.62% Debt Sector Allocation
Sector Value Government 84.62% Cash Equivalent 15.38% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Day Tbill
Sovereign Bonds | -38% ₹161 Cr 1,666,050,000 6.9% Govt Stock 2065
Sovereign Bonds | -13% ₹55 Cr 600,000,000 6.79% Govt Stock 2027
Sovereign Bonds | -12% ₹50 Cr 500,000,000 6.48% Govt Stock 2035
Sovereign Bonds | -6% ₹24 Cr 250,000,000 Rajasthan (Government of ) 7.65%
- | -5% ₹23 Cr 224,630,000 Chhattisgarh (Government of) 7.37%
- | -4% ₹15 Cr 150,000,000 7.18% Tamilnadu SDL 2027
Sovereign Bonds | -4% ₹15 Cr 150,000,000 7.3% Uttarakhand Sgs 2032
Sovereign Bonds | -2% ₹9 Cr 85,730,000 7.77% Andhra Sdl 2028
Sovereign Bonds | -1% ₹5 Cr 50,000,000 Net Current Assets
Net Current Assets | -15% ₹63 Cr 6. Franklin India Corporate Debt Fund
Franklin India Corporate Debt Fund
Growth Launch Date 23 Jun 97 NAV (20 Aug 26) ₹106.477 ↓ -0.09 (-0.09 %) Net Assets (Cr) ₹1,345 on 31 Jul 26 Category Debt - Corporate Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆ Risk Moderate Expense Ratio 0.79 Sharpe Ratio -0.05 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load 0-1 Years (0.5%),1 Years and above(NIL) Yield to Maturity 7.42% Effective Maturity 4 Years 29 Days Modified Duration 1 Year 11 Months 16 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,263 31 Jul 23 ₹10,879 31 Jul 24 ₹11,636 31 Jul 25 ₹12,811 31 Jul 26 ₹13,521 Returns for Franklin India Corporate Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Aug 26 Duration Returns 1 Month 0.5% 3 Month 2.1% 6 Month 2.9% 1 Year 5.9% 3 Year 7.5% 5 Year 6.2% 10 Year 15 Year Since launch 8.5% Historical performance (Yearly) on absolute basis
Year Returns 2025 9.1% 2024 7.6% 2023 6.5% 2022 3.2% 2021 3.8% 2020 9% 2019 9.2% 2018 7.5% 2017 7.7% 2016 9% Fund Manager information for Franklin India Corporate Debt Fund
Name Since Tenure Rahul Goswami 6 Oct 23 2.82 Yr. Anuj Tagra 7 Mar 24 2.4 Yr. Chandni Gupta 7 Mar 24 2.4 Yr. Data below for Franklin India Corporate Debt Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 9.26% Debt 90.46% Other 0.28% Debt Sector Allocation
Sector Value Corporate 71.68% Government 20.62% Cash Equivalent 7.42% Credit Quality
Rating Value AA 6.86% AAA 93.14% Top Securities Holdings / Portfolio
Name Holding Value Quantity Jamnagar Utilities & Power Private Limited
Debentures | -6% ₹81 Cr 7,500 Small Industries Development Bank Of India
Debentures | -6% ₹80 Cr 7,500 National Bank For Agriculture And Rural Development
Debentures | -6% ₹77 Cr 7,500 Poonawalla Fincorp Limited
Debentures | -5% ₹61 Cr 5,950
↓ -2,050 Maharashtra SDL
Sovereign Bonds | -4% ₹57 Cr 5,500,000 RJ Corp Limited
Debentures | -4% ₹56 Cr 5,467 LIC Housing Finance Ltd
Debentures | -4% ₹55 Cr 5,500 Summit Digitel Infrastructure Limited
Debentures | -4% ₹51 Cr 5,000 Mahindra And Mahindra Financial Services Limited
Debentures | -4% ₹51 Cr 5,000 Embassy Office Parks Reit
Debentures | -4% ₹50 Cr 5,000 7. ICICI Prudential Gilt Fund
ICICI Prudential Gilt Fund
Growth Launch Date 19 Aug 99 NAV (20 Aug 26) ₹108.679 ↓ -0.31 (-0.29 %) Net Assets (Cr) ₹8,890 on 31 Jul 26 Category Debt - Government Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.09 Sharpe Ratio -0.29 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.47% Effective Maturity 21 Years 5 Months 1 Day Modified Duration 9 Years 5 Months 12 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,279 31 Jul 23 ₹11,189 31 Jul 24 ₹12,079 31 Jul 25 ₹13,180 31 Jul 26 ₹13,734 Returns for ICICI Prudential Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Aug 26 Duration Returns 1 Month 0.6% 3 Month 4% 6 Month 3.7% 1 Year 5.7% 3 Year 7.1% 5 Year 6.6% 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 2.53 Yr. Raunak Surana 22 Jan 24 2.53 Yr. Data below for ICICI Prudential Gilt Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 11.02% Debt 88.98% Debt Sector Allocation
Sector Value Government 88.98% Cash Equivalent 11.02% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.9% Govt Stock 2065
Sovereign Bonds | -15% ₹1,325 Cr 143,466,750 7.34% Govt Stock 2064
Sovereign Bonds | -9% ₹772 Cr 79,038,200 7.24% Govt Stock 2055
Sovereign Bonds | -8% ₹674 Cr 68,659,160 6.94% Govt Stock 2036
Sovereign Bonds | -6% ₹506 Cr 50,000,000
↓ -37,692,100 7.15% Maharashtra Sgs 2049
Sovereign Bonds | -3% ₹283 Cr 30,000,000 7.13% Maharashtra Sgs 2048
Sovereign Bonds | -3% ₹275 Cr 29,159,500 7.12% Uttarpradesh Sgs 2033
Sovereign Bonds | -3% ₹246 Cr 25,000,000 7.16% Maharashtra Sgs 2050
Sovereign Bonds | -3% ₹236 Cr 25,000,000 Telangana (Government of)
- | -2% ₹216 Cr 21,433,600 7.12% Maharashtra Sgs 2038
Sovereign Bonds | -2% ₹208 Cr 21,496,400 8. Bandhan Corporate Bond Fund
Bandhan Corporate Bond Fund
Growth Launch Date 12 Jan 16 NAV (20 Aug 26) ₹20.4928 ↓ -0.04 (-0.18 %) Net Assets (Cr) ₹13,675 on 15 Jul 26 Category Debt - Corporate Bond AMC IDFC Asset Management Company Limited Rating Risk Moderate Expense Ratio 0.65 Sharpe Ratio -0.09 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.08% Effective Maturity 4 Years 5 Months 19 Days Modified Duration 2 Years 10 Months 13 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,212 31 Jul 23 ₹10,840 31 Jul 24 ₹11,606 31 Jul 25 ₹12,640 31 Jul 26 ₹13,323 Returns for Bandhan Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Aug 26 Duration Returns 1 Month 0.4% 3 Month 2.7% 6 Month 3.3% 1 Year 5.7% 3 Year 7.1% 5 Year 5.8% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.4% 2024 7.7% 2023 6.8% 2022 2.6% 2021 3.7% 2020 11.6% 2019 8.5% 2018 6.3% 2017 6.2% 2016 Fund Manager information for Bandhan Corporate Bond Fund
Name Since Tenure Suyash Choudhary 28 Jul 21 5.01 Yr. Gautam Kaul 1 Dec 21 4.67 Yr. Brijesh Shah 10 Jun 24 2.14 Yr. Data below for Bandhan Corporate Bond Fund as on 15 Jul 26
Asset Allocation
Asset Class Value Cash 11.5% Debt 88.17% Other 0.34% Debt Sector Allocation
Sector Value Corporate 65.34% Government 29.94% Cash Equivalent 4.37% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Reliance Industries Limited
Debentures | -4% ₹559 Cr 54,000,000
↑ 5,000,000 Reliance Industries Limited
Debentures | -4% ₹541 Cr 52,500,000
↑ 2,500,000 Bajaj Finance Ltd. 7.7%
Debentures | -3% ₹469 Cr 47,157,000
↑ 47,157,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹395 Cr 39,500,000
↑ 10,000,000 Ultratech Cement Limited
Debentures | -2% ₹325 Cr 32,500,000 7.3% Govt Stock 2053
Sovereign Bonds | -2% ₹324 Cr 32,750,000
↑ 5,500,000 Larsen And Toubro Limited
Debentures | -2% ₹302 Cr 30,000,000 6.68% Govt Stock 2040
Sovereign Bonds | -2% ₹299 Cr 30,800,000
↓ -69,000,000 Grasim Industries Ltd
Debentures | -2% ₹292 Cr 30,000,000 Bajaj Housing Finance Limited
Debentures | -2% ₹256 Cr 25,500,000
↑ 500,000 9. Axis Gilt Fund
Axis Gilt Fund
Growth Launch Date 23 Jan 12 NAV (20 Aug 26) ₹26.7472 ↓ -0.08 (-0.28 %) Net Assets (Cr) ₹405 on 31 Jul 26 Category Debt - Government Bond AMC Axis Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 0.78 Sharpe Ratio -0.31 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.13% Effective Maturity 21 Years 9 Months 29 Days Modified Duration 8 Years 10 Months 10 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,224 31 Jul 23 ₹10,838 31 Jul 24 ₹11,845 31 Jul 25 ₹12,812 31 Jul 26 ₹13,322 Returns for Axis Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Aug 26 Duration Returns 1 Month 0.2% 3 Month 3.4% 6 Month 3.4% 1 Year 5.4% 3 Year 7.2% 5 Year 5.9% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2025 5.2% 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% Fund Manager information for Axis Gilt Fund
Name Since Tenure Devang Shah 5 Nov 12 13.74 Yr. Sachin Jain 1 Feb 23 3.5 Yr. Data below for Axis Gilt Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 23.94% Debt 76.06% Debt Sector Allocation
Sector Value Government 84.6% Cash Equivalent 15.4% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.71% Govt Stock 2066
Sovereign Bonds | -24% ₹98 Cr 9,500,000
↑ 7,500,000 6.94% Govt Stock 2036
Sovereign Bonds | -11% ₹43 Cr 4,250,000
↓ -3,000,000 India (Republic of)
- | -9% ₹35 Cr 3,500,000
↑ 3,500,000 India (Republic of)
- | -6% ₹25 Cr 2,500,000
↑ 2,500,000 7.34% Govt Stock 2064
Sovereign Bonds | -6% ₹24 Cr 2,494,700 7.09% Govt Stock 2054
Sovereign Bonds | -6% ₹24 Cr 2,500,000 State Government Of Bihar
Sovereign Bonds | -5% ₹20 Cr 2,000,000 6.9% Govt Stock 2065
Sovereign Bonds | -5% ₹19 Cr 2,079,900
↓ -6,000,000 7.49% Haryana Sgs 2035
Sovereign Bonds | -4% ₹15 Cr 1,483,000 7.24% Govt Stock 2055
Sovereign Bonds | -4% ₹15 Cr 1,500,000
↓ -6,000,000 10. Kotak Corporate Bond Fund Standard
Kotak Corporate Bond Fund Standard
Growth Launch Date 21 Sep 07 NAV (20 Aug 26) ₹4,008.88 ↓ -6.94 (-0.17 %) Net Assets (Cr) ₹15,171 on 31 Jul 26 Category Debt - Corporate Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.67 Sharpe Ratio -0.26 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.45% Effective Maturity 4 Years 9 Months 14 Days Modified Duration 2 Years 11 Months 19 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,302 31 Jul 23 ₹10,978 31 Jul 24 ₹11,815 31 Jul 25 ₹12,900 31 Jul 26 ₹13,547 Returns for Kotak Corporate Bond Fund Standard
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Aug 26 Duration Returns 1 Month 0.4% 3 Month 2.6% 6 Month 2.6% 1 Year 5.3% 3 Year 7.2% 5 Year 6.2% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.8% 2024 8.3% 2023 6.9% 2022 3.7% 2021 3.8% 2020 9.7% 2019 9.6% 2018 7.5% 2017 6.9% 2016 9.4% Fund Manager information for Kotak Corporate Bond Fund Standard
Name Since Tenure Deepak Agrawal 1 Feb 15 11.5 Yr. Manu Sharma 1 Nov 22 3.75 Yr. Data below for Kotak Corporate Bond Fund Standard as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 2.87% Debt 96.77% Other 0.36% Debt Sector Allocation
Sector Value Corporate 68.01% Government 28.77% Cash Equivalent 2.87% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -4% ₹525 Cr 52,500 Karnataka (Government of) 0.0756%
- | -3% ₹461 Cr 45,700,000 6.9% Govt Stock 2065
Sovereign Bonds | -3% ₹446 Cr 48,300,000 Bajaj Finance Limited
Debentures | -3% ₹435 Cr 43,500 Karnataka State Development Loans
Sovereign Bonds | -3% ₹423 Cr 42,000,000 Power Finance Corporation Limited
Debentures | -3% ₹400 Cr 40,000 Small Industries Development Bank Of India
Debentures | -2% ₹350 Cr 35,000 Mahindra And Mahindra Financial Services Limited
Debentures | -2% ₹302 Cr 30,000 Knowledge Realty TRust
Debentures | -2% ₹298 Cr 30,000 Larsen And Toubro Limited
Debentures | -2% ₹275 Cr 2,700
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Research Highlights for Bandhan Government Securities Fund - Investment Plan