+91-22-48913909Top 6 Best Gilt Funds To Invest In 2026
Want to invest during falling interest rates? Gilt Funds in India are an answer to this!
Gilt Mutual Funds provide good returns during times of falling interest rates depending upon its maturity (or duration). Investors Investing in these funds need to have enough time for tracking their investments since the NAVs of these funds move very sharply with movement in interest rates.
Gilts funds are often used by two kinds of investors. Firstly, those who primarily want little or no credit risk, since the securities are backed by the government of India (or the government of the country they belong to) hence they carry least possible credit risk.
How To Choose Best Gilt Debt Mutual Funds?
1. Duration And Average Maturity
When investing in gilt debt funds, it becomes necessary to determine the average maturity and the duration of the fund. This can be obtained in the fact sheet of the fund, the average maturity relates to the average time taken for securities to mature. The higher the average maturity (or duration), the higher the sensitivity to interest rate movement. While a downward movement is positive to the NAV of the fund (and hence returns), and upward (or increase) movement of interest rates will impact the NAV negatively resulting in a loss.
Duration refers to the weighted average maturity of the securities in a Portfolio. It is a prime parameter used by analysts and others to determine the interest rate sensitivity of the mutual fund. If the funds are held for the time of duration of the portfolio and the fund manager does not do anything, then the investor will generate the yield on the portfolio, without being subjected to interest rate movements. Gilts funds are often used by two kinds of investors. Firstly, those who primarily want little or no credit risk, since the securities are backed by the government of India (or the government of the country they belong to), these investors invest for the yield and not for a view on interest rates. The other kind of investors who invest in Gilt Funds are the ones who take a view on interest rates, they would typically look at the maturity or duration of the portfolio and invest accordingly.
There are primarily three kinds of gilt funds that exist, short term, medium term and long term. Short term gilt funds have a low duration, typically less than a year. Long-term gilt funds can have a very high maturity period, at times going up to 10 to 15 years also. Long-term gilt funds are invested in for yield as well as playing the interest rate view by investors.
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2. Interest Rate Risk
Gilt funds and interest rates are archrivals. There is an inverse relationship between Gilt debt funds and interest rates. An increase or decrease in the interest rate causes the NAV of the fund to fall or rise. This results in the fluctuation in the fund’s return. In fact, such extreme Volatility in returns of the gilt funds makes them the riskiest in the debt mutual category. The impact is so profound that it may drive the yields to negative in the short run. Therefore, one should consider investing in gilt funds when inflation is near its peak and the RBI (Reserve Bank of India) is not likely to raise the interest rate immediately. This would ensure there no downward movement in the NAV and hence returns. Any fall in interest rates would add to the returns of the fund.
A newbie investor should avoid investing in gilt mutual funds without a robust strategy.
Moreover, there are some other quantitative parameters that investors need to analyse before selecting the best Gilt Funds:
Look for a Gilt Fund that gives the most stable and consistent returns year-after-year. A fund having lesser volatility would be consistent. Volatility can be determined using the Beta and Standard Deviation (SD). Beta indicates how much fund’s return is sensitive to index movements. A beta of 1 signifies that the mutual fund NAV moves in line with the relevant benchmark, a beta of a greater than 1 designates that the NAV moves more than the relevant benchmark of the fund, and a beta of less than 1 means NAV moves less than the benchmark. Investors should decide before getting into a fund whether they want higher beta or low beta.Coming to SD, it is a statistical measure representing the volatility or risk of a fund. The higher the SD, higher will be the fluctuations in the returns. Ideally, investors look for funds with a lower standard deviation. However, if the investor is clear on the reason of investing and has reviewed the fund performance as well as portfolio & related parameters (yield, duration, maturity etc), this is something one can overlook.
The expense ratio is also one of the parameters to check your fund returns. It is advisable to go for a fund with a lower expense ratio in the same category. This is because the returns are derived after deducting expense ratio from the fund’s total return. Thus, the lower the expense ratio, the better returns it can deliver.
One needs to be careful in the entry and exit of their investments accurately. More importantly, considering important parameters to shortlist or invest in the best Gilt funds can be an optimal way to strengthen your portfolio. We take you to some of those parameters, following the best Gilt funds or Best Performing Mutual Funds to Invest in 2026.
Fund Selection Methodology used to find 6 funds
Best Gilt Funds To Invest In FY 26 - 27
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2025 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity ICICI Prudential Gilt Fund Growth ₹109.253
↑ 0.06 ₹8,785 4.1 4.4 5.8 7.4 6.8 7.71% 9Y 4M 10D 21Y 7M 6D UTI Gilt Fund Growth ₹66.2076
↑ 0.03 ₹423 2.2 3.7 5.6 6.9 5.1 6.4% 3Y 2M 16D 7Y 11M 19D SBI Magnum Constant Maturity Fund Growth ₹67.1042
↑ 0.03 ₹1,666 3.6 3.1 4.9 7.3 6.7 7.23% 6Y 9M 14D 9Y 6M 11D Nippon India Gilt Securities Fund Growth ₹39.4915
↑ 0.02 ₹1,592 3.9 4.1 4.6 6.2 3.7 7.45% 8Y 7M 28D 21Y 3M 14D SBI Magnum Gilt Fund Growth ₹68.725
↑ 0.03 ₹8,455 2.7 3.3 4.3 6.5 4.5 6.89% 5Y 10M 28D 10Y 1M 20D Aditya Birla Sun Life Government Securities Fund Growth ₹83.0211
↑ 0.08 ₹1,376 4.1 3.8 3.7 5.8 3 7.49% 11Y 7M 20D 33Y 6M 18D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Aug 26 Research Highlights & Commentary of 6 Funds showcased
Commentary ICICI Prudential Gilt Fund UTI Gilt Fund SBI Magnum Constant Maturity Fund Nippon India Gilt Securities Fund SBI Magnum Gilt Fund Aditya Birla Sun Life Government Securities Fund Point 1 Highest AUM (₹8,785 Cr). Bottom quartile AUM (₹423 Cr). Upper mid AUM (₹1,666 Cr). Lower mid AUM (₹1,592 Cr). Upper mid AUM (₹8,455 Cr). Bottom quartile AUM (₹1,376 Cr). Point 2 Oldest track record among peers (27 yrs). Established history (24+ yrs). Established history (25+ yrs). Established history (17+ yrs). Established history (25+ yrs). Established history (26+ yrs). Point 3 Top rated. Rating: 4★ (upper mid). Rating: 4★ (upper mid). Rating: 4★ (lower mid). Rating: 4★ (bottom quartile). Rating: 4★ (bottom quartile). Point 4 Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Point 5 1Y return: 5.82% (top quartile). 1Y return: 5.58% (upper mid). 1Y return: 4.94% (upper mid). 1Y return: 4.57% (lower mid). 1Y return: 4.33% (bottom quartile). 1Y return: 3.65% (bottom quartile). Point 6 1M return: 1.21% (top quartile). 1M return: 0.77% (bottom quartile). 1M return: 0.90% (lower mid). 1M return: 0.96% (upper mid). 1M return: 0.62% (bottom quartile). 1M return: 0.99% (upper mid). Point 7 Sharpe: -0.14 (top quartile). Sharpe: -0.25 (upper mid). Sharpe: -0.42 (lower mid). Sharpe: -0.37 (upper mid). Sharpe: -0.51 (bottom quartile). Sharpe: -0.42 (bottom quartile). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 7.71% (top quartile). Yield to maturity (debt): 6.40% (bottom quartile). Yield to maturity (debt): 7.23% (lower mid). Yield to maturity (debt): 7.45% (upper mid). Yield to maturity (debt): 6.89% (bottom quartile). Yield to maturity (debt): 7.49% (upper mid). Point 10 Modified duration: 9.36 yrs (bottom quartile). Modified duration: 3.21 yrs (top quartile). Modified duration: 6.79 yrs (upper mid). Modified duration: 8.66 yrs (lower mid). Modified duration: 5.91 yrs (upper mid). Modified duration: 11.64 yrs (bottom quartile). ICICI Prudential Gilt Fund
UTI Gilt Fund
SBI Magnum Constant Maturity Fund
Nippon India Gilt Securities Fund
SBI Magnum Gilt Fund
Aditya Birla Sun Life Government Securities Fund
(Erstwhile ICICI Prudential Long Term Gilt Fund) To generate income through investment in Gilts of various maturities. Below is the key information for ICICI Prudential Gilt 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 SBI Magnum Gilt Fund Short Term) To provide the investors with the returns generated through investments in government securities issued by the Central Govt. and State Govt. Research Highlights for SBI Magnum Constant Maturity Fund Below is the key information for SBI Magnum Constant Maturity Fund Returns up to 1 year are on 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. Research Highlights for Nippon India Gilt Securities Fund Below is the key information for Nippon India Gilt Securities 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 Research Highlights for SBI Magnum Gilt Fund Below is the key information for SBI Magnum 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. Research Highlights for Aditya Birla Sun Life Government Securities Fund Below is the key information for Aditya Birla Sun Life Government Securities Fund Returns up to 1 year are on 1. ICICI Prudential Gilt Fund
ICICI Prudential Gilt Fund
Growth Launch Date 19 Aug 99 NAV (14 Aug 26) ₹109.253 ↑ 0.06 (0.06 %) Net Assets (Cr) ₹8,785 on 30 Jun 26 Category Debt - Government Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.09 Sharpe Ratio -0.14 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.71% Effective Maturity 21 Years 7 Months 6 Days Modified Duration 9 Years 4 Months 10 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 14 Aug 26 Duration Returns 1 Month 1.2% 3 Month 4.1% 6 Month 4.4% 1 Year 5.8% 3 Year 7.4% 5 Year 6.7% 10 Year 15 Year Since launch 9.3% 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 30 Jun 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 2. UTI Gilt Fund
UTI Gilt Fund
Growth Launch Date 21 Jan 02 NAV (14 Aug 26) ₹66.2076 ↑ 0.03 (0.05 %) Net Assets (Cr) ₹423 on 30 Jun 26 Category Debt - Government Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.92 Sharpe Ratio -0.25 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.4% Effective Maturity 7 Years 11 Months 19 Days Modified Duration 3 Years 2 Months 16 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 14 Aug 26 Duration Returns 1 Month 0.8% 3 Month 2.2% 6 Month 3.7% 1 Year 5.6% 3 Year 6.9% 5 Year 5.8% 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 30 Jun 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 3. SBI Magnum Constant Maturity Fund
SBI Magnum Constant Maturity Fund
Growth Launch Date 30 Dec 00 NAV (14 Aug 26) ₹67.1042 ↑ 0.03 (0.04 %) Net Assets (Cr) ₹1,666 on 30 Jun 26 Category Debt - 10 Yr Govt Bond AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.63 Sharpe Ratio -0.42 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.23% Effective Maturity 9 Years 6 Months 11 Days Modified Duration 6 Years 9 Months 14 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,072 31 Jul 23 ₹10,844 31 Jul 24 ₹11,730 31 Jul 25 ₹12,830 31 Jul 26 ₹13,314 Returns for SBI Magnum Constant Maturity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Aug 26 Duration Returns 1 Month 0.9% 3 Month 3.6% 6 Month 3.1% 1 Year 4.9% 3 Year 7.3% 5 Year 6% 10 Year 15 Year Since launch 7.7% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.7% 2024 9.1% 2023 7.5% 2022 1.3% 2021 2.4% 2020 11.6% 2019 11.9% 2018 9.9% 2017 6.2% 2016 12.8% Fund Manager information for SBI Magnum Constant Maturity Fund
Name Since Tenure Sudhir Agarwal 1 Jul 25 1.08 Yr. Data below for SBI Magnum Constant Maturity Fund as on 30 Jun 26
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 6.48% Govt Stock 2035
Sovereign Bonds | -42% ₹686 Cr 70,000,000
↓ -10,500,000 6.94% Govt Stock 2036
Sovereign Bonds | -22% ₹364 Cr 36,000,000
↑ 19,000,000 7.18% Govt Stock 2037
Sovereign Bonds | -15% ₹247 Cr 23,999,500 State Government Of Maharashtra
Sovereign Bonds | -12% ₹202 Cr 20,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -6% ₹106 Cr 10,500,000
↓ -11,500,000 Net Receivable / Payable
CBLO | -2% ₹35 Cr Treps
CBLO/Reverse Repo | -0% ₹2 Cr 4. Nippon India Gilt Securities Fund
Nippon India Gilt Securities Fund
Growth Launch Date 22 Aug 08 NAV (14 Aug 26) ₹39.4915 ↑ 0.02 (0.04 %) Net Assets (Cr) ₹1,592 on 30 Jun 26 Category Debt - Government Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.28 Sharpe Ratio -0.37 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 7.45% Effective Maturity 21 Years 3 Months 14 Days Modified Duration 8 Years 7 Months 28 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,082 31 Jul 23 ₹10,814 31 Jul 24 ₹11,703 31 Jul 25 ₹12,525 31 Jul 26 ₹12,825 Returns for Nippon India Gilt Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Aug 26 Duration Returns 1 Month 1% 3 Month 3.9% 6 Month 4.1% 1 Year 4.6% 3 Year 6.2% 5 Year 5.3% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 2025 3.7% 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% Fund Manager information for Nippon India Gilt Securities Fund
Name Since Tenure Pranay Sinha 31 Mar 21 5.34 Yr. Kinjal Desai 31 Oct 21 4.75 Yr. Amber Singhania 11 Mar 26 0.39 Yr. Data below for Nippon India Gilt Securities Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 2.69% Debt 97.31% Debt Sector Allocation
Sector Value Government 97.31% Cash Equivalent 2.69% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.9% Govt Stock 2065
Sovereign Bonds | -14% ₹223 Cr 24,000,000 7.24% Govt Stock 2055
Sovereign Bonds | -14% ₹218 Cr 22,000,000
↑ 2,500,000 7.34% Govt Stock 2064
Sovereign Bonds | -13% ₹201 Cr 20,300,000 6.68% Govt Stock 2040
Sovereign Bonds | -13% ₹200 Cr 20,500,000 7.25% Govt Stock 2063
Sovereign Bonds | -6% ₹103 Cr 10,500,000 6.94% Govt Stock 2036
Sovereign Bonds | -5% ₹76 Cr 7,500,000
↑ 7,500,000 6.68% Govt Stock 2033
Sovereign Bonds | -5% ₹75 Cr 7,500,000
↓ -2,000,000 6.8% Govt Stock 2060
Sovereign Bonds | -3% ₹55 Cr 6,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -3% ₹50 Cr 5,000,000
↑ 1,000,000 7.14% Chhattisgarh Sgs 2033
Sovereign Bonds | -3% ₹49 Cr 5,000,000 5. SBI Magnum Gilt Fund
SBI Magnum Gilt Fund
Growth Launch Date 30 Dec 00 NAV (14 Aug 26) ₹68.725 ↑ 0.03 (0.04 %) Net Assets (Cr) ₹8,455 on 30 Jun 26 Category Debt - Government Bond AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.94 Sharpe Ratio -0.51 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.89% Effective Maturity 10 Years 1 Month 20 Days Modified Duration 5 Years 10 Months 28 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,255 31 Jul 23 ₹11,117 31 Jul 24 ₹12,075 31 Jul 25 ₹12,959 31 Jul 26 ₹13,374 Returns for SBI Magnum Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Aug 26 Duration Returns 1 Month 0.6% 3 Month 2.7% 6 Month 3.3% 1 Year 4.3% 3 Year 6.5% 5 Year 6.1% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2025 4.5% 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% Fund Manager information for SBI Magnum Gilt Fund
Name Since Tenure Sudhir Agarwal 1 Jul 25 1.08 Yr. Data below for SBI Magnum Gilt Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 17.95% Debt 82.05% Debt Sector Allocation
Sector Value Government 85.25% Cash Equivalent 14.75% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.71% Govt Stock 2066
Sovereign Bonds | -39% ₹3,287 Cr 319,500,000
↑ 292,000,000 7.43% Govt Stock 2076
Sovereign Bonds | -13% ₹1,103 Cr 111,500,000
↓ -122,500,000 Maharashtra (Government of) 7.55%
- | -9% ₹719 Cr 71,097,200 Andhra Pradesh (Government of) 7.28%
- | -6% ₹544 Cr 54,249,400 Tbill
Sovereign Bonds | -5% ₹397 Cr 40,000,000 State Government Of West Bengal
Sovereign Bonds | -4% ₹341 Cr 33,916,800 India (Republic of)
- | -3% ₹248 Cr 25,000,000 State Government Of Kerala
Sovereign Bonds | -3% ₹215 Cr 21,500,000 7.8% Tamilnadu SDL 2032
Sovereign Bonds | -2% ₹206 Cr 20,000,000 State Government Of West Bengal
Sovereign Bonds | -2% ₹188 Cr 19,000,000
↓ -2,001,600 6. Aditya Birla Sun Life Government Securities Fund
Aditya Birla Sun Life Government Securities Fund
Growth Launch Date 12 Oct 99 NAV (14 Aug 26) ₹83.0211 ↑ 0.08 (0.09 %) Net Assets (Cr) ₹1,376 on 30 Jun 26 Category Debt - Government Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.12 Sharpe Ratio -0.42 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 7.49% Effective Maturity 33 Years 6 Months 18 Days Modified Duration 11 Years 7 Months 20 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,218 31 Jul 23 ₹10,866 31 Jul 24 ₹11,815 31 Jul 25 ₹12,586 31 Jul 26 ₹12,706 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 14 Aug 26 Duration Returns 1 Month 1% 3 Month 4.1% 6 Month 3.8% 1 Year 3.7% 3 Year 5.8% 5 Year 5.1% 10 Year 15 Year Since launch 8.2% Historical performance (Yearly) on absolute basis
Year Returns 2025 3% 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% Fund Manager information for Aditya Birla Sun Life Government Securities Fund
Name Since Tenure Bhupesh Bameta 6 Aug 20 5.99 Yr. Data below for Aditya Birla Sun Life Government Securities Fund as on 30 Jun 26
Asset Allocation
Asset Class Value Cash 5.07% Debt 94.93% Debt Sector Allocation
Sector Value Government 94.93% Cash Equivalent 5.07% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -41% ₹565 Cr 57,802,200 7.71% Govt Stock 2066
Sovereign Bonds | -13% ₹180 Cr 17,500,000
↓ -2,000,000 7.24% Govt Stock 2055
Sovereign Bonds | -10% ₹138 Cr 14,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -9% ₹129 Cr 13,000,000
↑ 500,000 7.09% Govt Stock 2054
Sovereign Bonds | -6% ₹77 Cr 8,000,000 7.09% Govt Stock 2074
Sovereign Bonds | -4% ₹59 Cr 6,285,700 6.45% Govt Stock 2034
Sovereign Bonds | -4% ₹51 Cr 5,000,000 6.76% Govt Stock 2061
Sovereign Bonds | -2% ₹27 Cr 3,000,000 Madhya Pradesh (Government of)
- | -2% ₹25 Cr 2,500,000 State Government Of Madhya Pradesh
Sovereign Bonds | -2% ₹25 Cr 2,500,000
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Conclusion
If you want to invest in gilt mutual funds, then you need to invest opportunistically. An essential thing about investing in the best Gilt Funds is to strategies well. Having a strategy would help you to avoid perilous situations. Investing in these funds demands an ability to take a view on what the RBI may do in its credit risk policy and a call on interest rate movements.
FAQs
1. Who releases the gilt funds?
A: The gilt funds are in the form of securities released by the Reserve Bank of India. The RBI releases the g-sec or the securities, which are in the form of funds. These, when matured, are distributed amongst the investors in the form of payouts.
2. What are the returns that I can expect on the gilt funds?
A: Gilt funds are one of the safest investments, and you can expect good returns. However, the interest payable is dependent upon the market conditions. You can expect returns of up to 12% on your investments.
3. Do gilt funds have an expense ratio?
A: Gilt funds behave like mutual funds, and hence, there is an expense ratio. In other words, there will be certain operational costs that the investor has to bear when it comes to gilt funds. The expense ratio will be a percentage of the total investment value. Your fund manager can tell you about the amount of money that will be considered expense ratio.
4. Is there a specific time limit for which I should hold my gilt funds?
A: Like any other mutual fund, it is a good idea to hold your investment in gilt funds for 3-5 years. This is adequate time for you to realize your investment.
5. Can I create wealth by investing in gilt funds?
A: You can invest in the gilt funds and generate wealth over a medium to moderate period. After that, you can divert your earnings into other investments. Thus, gilt funds can be used to create wealth as these are known to generate wealth.
6. What financial goal can gilt funds help me achieve?
A: If you are looking to earn on your investments over a reasonable period and increase your wealth in the medium-term, it is good to invest in gilt funds. These funds do not need you to invest in the long-term, and you can realize your investments in 3-5 years.
7. Is a gilt fund taxable?
A: You will have to pay tax on long-term Capital Gains if you sell the gilt funds before maturity. The capital gain from the fund is also taxable. If you stay invested in the fun for a short period, which is three years, then you will have to pay taxes for short-term capital gains. If you stay invested in the gilt fund for the given amount of time, you will have to pay tax under long-term capital gains.
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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Research Highlights for ICICI Prudential Gilt Fund