+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 (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity ICICI Prudential Gilt Fund Growth ₹108.565
↓ -0.02 ₹8,608 5.6 3.5 5 7.5 6.8 7.71% 9Y 4M 10D 21Y 7M 6D UTI Gilt Fund Growth ₹65.7514
↑ 0.00 ₹544 3.4 3.6 4.4 6.8 5.1 6.4% 3Y 2M 16D 7Y 11M 19D SBI Magnum Constant Maturity Fund Growth ₹66.6305
↑ 0.02 ₹1,665 4.5 2.8 3.8 7.1 6.7 7.23% 6Y 9M 14D 9Y 6M 11D SBI Magnum Gilt Fund Growth ₹68.4809
↓ -0.04 ₹8,695 3.9 3.2 3.6 6.5 4.5 6.89% 5Y 10M 28D 10Y 1M 20D Nippon India Gilt Securities Fund Growth ₹39.3377
↓ -0.04 ₹1,637 5.5 3.3 3.3 6.2 3.7 7.45% 8Y 7M 28D 21Y 3M 14D Aditya Birla Sun Life Government Securities Fund Growth ₹82.8247
↓ -0.12 ₹1,425 6.5 2.5 2.3 5.8 3 7.73% 10Y 9M 29D 31Y 5M 1D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Jul 26 Research Highlights & Commentary of 6 Funds showcased
Commentary ICICI Prudential Gilt Fund UTI Gilt Fund SBI Magnum Constant Maturity Fund SBI Magnum Gilt Fund Nippon India Gilt Securities Fund Aditya Birla Sun Life Government Securities Fund Point 1 Upper mid AUM (₹8,608 Cr). Bottom quartile AUM (₹544 Cr). Upper mid AUM (₹1,665 Cr). Highest AUM (₹8,695 Cr). Lower mid AUM (₹1,637 Cr). Bottom quartile AUM (₹1,425 Cr). Point 2 Oldest track record among peers (26 yrs). Established history (24+ yrs). Established history (25+ yrs). Established history (25+ yrs). Established history (17+ 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: 5.04% (top quartile). 1Y return: 4.36% (upper mid). 1Y return: 3.75% (upper mid). 1Y return: 3.56% (lower mid). 1Y return: 3.26% (bottom quartile). 1Y return: 2.26% (bottom quartile). Point 6 1M return: 3.46% (upper mid). 1M return: 1.41% (bottom quartile). 1M return: 2.52% (lower mid). 1M return: 2.19% (bottom quartile). 1M return: 3.58% (upper mid). 1M return: 3.94% (top quartile). Point 7 Sharpe: -1.15 (upper mid). Sharpe: -0.91 (top quartile). Sharpe: -1.46 (upper mid). Sharpe: -1.55 (bottom quartile). Sharpe: -1.60 (bottom quartile). Sharpe: -1.53 (lower mid). 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% (upper mid). Yield to maturity (debt): 6.40% (bottom quartile). Yield to maturity (debt): 7.23% (lower mid). Yield to maturity (debt): 6.89% (bottom quartile). Yield to maturity (debt): 7.45% (upper mid). Yield to maturity (debt): 7.73% (top quartile). 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: 5.91 yrs (upper mid). Modified duration: 8.66 yrs (lower mid). Modified duration: 10.83 yrs (bottom quartile). ICICI Prudential Gilt Fund
UTI Gilt Fund
SBI Magnum Constant Maturity Fund
SBI Magnum Gilt Fund
Nippon India Gilt Securities 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 (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 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 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 (03 Jul 26) ₹108.565 ↓ -0.02 (-0.02 %) Net Assets (Cr) ₹8,608 on 31 May 26 Category Debt - Government Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.09 Sharpe Ratio -1.15 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 30 Jun 21 ₹10,000 30 Jun 22 ₹10,180 30 Jun 23 ₹11,122 30 Jun 24 ₹11,981 30 Jun 25 ₹13,134 30 Jun 26 ₹13,777 Returns for ICICI Prudential Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Jul 26 Duration Returns 1 Month 3.5% 3 Month 5.6% 6 Month 3.5% 1 Year 5% 3 Year 7.5% 5 Year 6.7% 10 Year 15 Year Since launch 9.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.8% 2023 8.2% 2022 8.3% 2021 3.7% 2020 3.8% 2019 12.6% 2018 10.8% 2017 6.8% 2016 2.1% 2015 18.2% Fund Manager information for ICICI Prudential Gilt Fund
Name Since Tenure Manish Banthia 22 Jan 24 2.36 Yr. Raunak Surana 22 Jan 24 2.36 Yr. Data below for ICICI Prudential Gilt Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 6.95% Debt 93.05% Debt Sector Allocation
Sector Value Government 93.05% Cash Equivalent 6.95% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.9% Govt Stock 2065
Sovereign Bonds | -14% ₹1,293 Cr 143,466,750 6.48% Govt Stock 2035
Sovereign Bonds | -14% ₹1,271 Cr 132,200,000
↑ 1,000,000 7.24% Govt Stock 2055
Sovereign Bonds | -9% ₹828 Cr 86,659,160 7.34% Govt Stock 2064
Sovereign Bonds | -8% ₹754 Cr 79,038,200 7.15% Maharashtra Sgs 2049
Sovereign Bonds | -3% ₹278 Cr 30,000,000 7.13% Maharashtra Sgs 2048
Sovereign Bonds | -3% ₹270 Cr 29,159,500 Telangana (Government of)
- | -3% ₹262 Cr 26,433,600 7.12% Uttarpradesh Sgs 2033
Sovereign Bonds | -3% ₹242 Cr 25,000,000 7.16% Maharashtra Sgs 2050
Sovereign Bonds | -3% ₹232 Cr 25,000,000 7.12% Maharashtra Sgs 2038
Sovereign Bonds | -2% ₹204 Cr 21,496,400 2. UTI Gilt Fund
UTI Gilt Fund
Growth Launch Date 21 Jan 02 NAV (03 Jul 26) ₹65.7514 ↑ 0.00 (0.00 %) Net Assets (Cr) ₹544 on 31 May 26 Category Debt - Government Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.92 Sharpe Ratio -0.92 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 30 Jun 21 ₹10,000 30 Jun 22 ₹10,130 30 Jun 23 ₹10,880 30 Jun 24 ₹11,699 30 Jun 25 ₹12,666 30 Jun 26 ₹13,250 Returns for UTI Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Jul 26 Duration Returns 1 Month 1.4% 3 Month 3.4% 6 Month 3.6% 1 Year 4.4% 3 Year 6.8% 5 Year 5.8% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2024 5.1% 2023 8.9% 2022 6.7% 2021 2.9% 2020 2.3% 2019 10.3% 2018 11.8% 2017 6.3% 2016 4.3% 2015 15.5% Fund Manager information for UTI Gilt Fund
Name Since Tenure Pankaj Pathak 8 Apr 25 1.15 Yr. Data below for UTI Gilt Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 13.58% Debt 86.42% Debt Sector Allocation
Sector Value Government 86.42% Cash Equivalent 13.58% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Day Tbill
Sovereign Bonds | -29% ₹159 Cr 1,666,050,000 Tbill
Sovereign Bonds | -18% ₹96 Cr 1,000,000,000 6.9% Govt Stock 2065
Sovereign Bonds | -14% ₹77 Cr 850,000,000 6.79% Govt Stock 2027
Sovereign Bonds | -9% ₹50 Cr 500,000,000 7.24% Govt Stock 2055
Sovereign Bonds | -4% ₹24 Cr 250,000,000 Rajasthan (Government of ) 7.65%
- | -4% ₹22 Cr 224,630,000 7.18% Tamilnadu SDL 2027
Sovereign Bonds | -3% ₹15 Cr 150,000,000 Chhattisgarh (Government of) 7.37%
- | -3% ₹15 Cr 150,000,000 7.3% Uttarakhand Sgs 2032
Sovereign Bonds | -2% ₹8 Cr 85,730,000 7.77% Andhra Sdl 2028
Sovereign Bonds | -1% ₹5 Cr 50,000,000 3. SBI Magnum Constant Maturity Fund
SBI Magnum Constant Maturity Fund
Growth Launch Date 30 Dec 00 NAV (03 Jul 26) ₹66.6305 ↑ 0.02 (0.03 %) Net Assets (Cr) ₹1,665 on 31 May 26 Category Debt - 10 Yr Govt Bond AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.63 Sharpe Ratio -1.46 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 30 Jun 21 ₹10,000 30 Jun 22 ₹9,975 30 Jun 23 ₹10,866 30 Jun 24 ₹11,648 30 Jun 25 ₹12,845 30 Jun 26 ₹13,348 Returns for SBI Magnum Constant Maturity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Jul 26 Duration Returns 1 Month 2.5% 3 Month 4.5% 6 Month 2.8% 1 Year 3.8% 3 Year 7.1% 5 Year 6% 10 Year 15 Year Since launch 7.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.7% 2023 9.1% 2022 7.5% 2021 1.3% 2020 2.4% 2019 11.6% 2018 11.9% 2017 9.9% 2016 6.2% 2015 12.8% Fund Manager information for SBI Magnum Constant Maturity Fund
Name Since Tenure Sudhir Agarwal 1 Jul 25 0.92 Yr. Data below for SBI Magnum Constant Maturity Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 2.02% Debt 97.98% Debt Sector Allocation
Sector Value Government 97.98% Cash Equivalent 2.02% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.48% Govt Stock 2035
Sovereign Bonds | -59% ₹981 Cr 102,000,000
↑ 2,500,000 7.18% Govt Stock 2037
Sovereign Bonds | -14% ₹240 Cr 23,999,500 6.79% Govt Stock 2034
Sovereign Bonds | -13% ₹217 Cr 22,000,000 State Government Of Maharashtra
Sovereign Bonds | -12% ₹198 Cr 20,000,000 Treps
CBLO/Reverse Repo | -1% ₹18 Cr Net Receivable / Payable
CBLO | -1% ₹16 Cr 4. SBI Magnum Gilt Fund
SBI Magnum Gilt Fund
Growth Launch Date 30 Dec 00 NAV (03 Jul 26) ₹68.4809 ↓ -0.04 (-0.05 %) Net Assets (Cr) ₹8,695 on 31 May 26 Category Debt - Government Bond AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.94 Sharpe Ratio -1.55 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 30 Jun 21 ₹10,000 30 Jun 22 ₹10,246 30 Jun 23 ₹11,119 30 Jun 24 ₹11,990 30 Jun 25 ₹12,955 30 Jun 26 ₹13,432 Returns for SBI Magnum Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Jul 26 Duration Returns 1 Month 2.2% 3 Month 3.9% 6 Month 3.2% 1 Year 3.6% 3 Year 6.5% 5 Year 6.1% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 4.5% 2023 8.9% 2022 7.6% 2021 4.2% 2020 3% 2019 11.7% 2018 13.1% 2017 5.1% 2016 3.9% 2015 16.3% Fund Manager information for SBI Magnum Gilt Fund
Name Since Tenure Sudhir Agarwal 1 Jul 25 0.92 Yr. Data below for SBI Magnum Gilt Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 63.51% Debt 36.49% Debt Sector Allocation
Sector Value Cash Equivalent 55.25% Government 44.75% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Tbill
Sovereign Bonds | -23% ₹2,013 Cr 201,500,000 India (Republic of) 6.94%
Sovereign Bonds | -9% ₹796 Cr 80,000,000
↑ 80,000,000 India (Republic of)
- | -6% ₹495 Cr 50,000,000 Tbill
Sovereign Bonds | -4% ₹393 Cr 40,000,000 State Government Of West Bengal
Sovereign Bonds | -4% ₹355 Cr 35,916,800 17/07/2026 Maturing 182 DTB
Sovereign Bonds | -4% ₹347 Cr 35,000,000
↑ 35,000,000 6.9% Govt Stock 2065
Sovereign Bonds | -4% ₹320 Cr 35,500,000 21/05/2026 Maturing 364 DTB
Sovereign Bonds | -3% ₹290 Cr 29,000,000 Tbill
Sovereign Bonds | -3% ₹250 Cr 25,000,000 6.68% Govt Stock 2040
Sovereign Bonds | -3% ₹235 Cr 25,000,000
↑ 25,000,000 5. Nippon India Gilt Securities Fund
Nippon India Gilt Securities Fund
Growth Launch Date 22 Aug 08 NAV (03 Jul 26) ₹39.3377 ↓ -0.04 (-0.09 %) Net Assets (Cr) ₹1,637 on 31 May 26 Category Debt - Government Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.28 Sharpe Ratio -1.6 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 30 Jun 21 ₹10,000 30 Jun 22 ₹10,043 30 Jun 23 ₹10,829 30 Jun 24 ₹11,642 30 Jun 25 ₹12,524 30 Jun 26 ₹12,960 Returns for Nippon India Gilt Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Jul 26 Duration Returns 1 Month 3.6% 3 Month 5.5% 6 Month 3.3% 1 Year 3.3% 3 Year 6.2% 5 Year 5.4% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 3.7% 2023 8.9% 2022 6.7% 2021 2.1% 2020 1.8% 2019 11.2% 2018 12.4% 2017 8% 2016 3.4% 2015 17% Fund Manager information for Nippon India Gilt Securities Fund
Name Since Tenure Pranay Sinha 31 Mar 21 5.17 Yr. Kinjal Desai 31 Oct 21 4.59 Yr. Amber Singhania 11 Mar 26 0.22 Yr. Data below for Nippon India Gilt Securities Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 13.48% Debt 86.52% Debt Sector Allocation
Sector Value Government 86.52% Cash Equivalent 13.48% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.68% Govt Stock 2040
Sovereign Bonds | -16% ₹268 Cr 28,500,000
↓ -2,500,000 7.34% Govt Stock 2064
Sovereign Bonds | -12% ₹194 Cr 20,300,000 7.24% Govt Stock 2055
Sovereign Bonds | -11% ₹177 Cr 18,500,000
↑ 2,500,000 6.9% Govt Stock 2065
Sovereign Bonds | -9% ₹144 Cr 16,000,000
↑ 3,500,000 7.25% Govt Stock 2063
Sovereign Bonds | -6% ₹99 Cr 10,500,000 6.79% Govt Stock 2027
Sovereign Bonds | -5% ₹76 Cr 7,500,000
↑ 7,500,000 6.8% Govt Stock 2060
Sovereign Bonds | -3% ₹54 Cr 6,000,000 7.14% Chhattisgarh Sgs 2033
Sovereign Bonds | -3% ₹49 Cr 5,000,000 7.17% Govt Stock 2028
Sovereign Bonds | -3% ₹46 Cr 4,500,000
↓ -3,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -2% ₹38 Cr 4,000,000
↑ 1,500,000 6. Aditya Birla Sun Life Government Securities Fund
Aditya Birla Sun Life Government Securities Fund
Growth Launch Date 12 Oct 99 NAV (03 Jul 26) ₹82.8247 ↓ -0.12 (-0.15 %) Net Assets (Cr) ₹1,425 on 31 May 26 Category Debt - Government Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.12 Sharpe Ratio -1.53 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 7.73% Effective Maturity 31 Years 5 Months 1 Day Modified Duration 10 Years 9 Months 29 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,123 30 Jun 23 ₹10,864 30 Jun 24 ₹11,745 30 Jun 25 ₹12,554 30 Jun 26 ₹12,886 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 3 Jul 26 Duration Returns 1 Month 3.9% 3 Month 6.5% 6 Month 2.5% 1 Year 2.3% 3 Year 5.8% 5 Year 5.2% 10 Year 15 Year Since launch 8.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 3% 2023 9.1% 2022 7.1% 2021 1.7% 2020 3.6% 2019 12.1% 2018 11% 2017 6.9% 2016 4.4% 2015 16.7% Fund Manager information for Aditya Birla Sun Life Government Securities Fund
Name Since Tenure Bhupesh Bameta 6 Aug 20 5.82 Yr. Data below for Aditya Birla Sun Life Government Securities Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 2.9% Debt 97.1% Debt Sector Allocation
Sector Value Government 97.1% Cash Equivalent 2.9% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -33% ₹461 Cr 48,302,200 7.25% Govt Stock 2063
Sovereign Bonds | -12% ₹174 Cr 18,450,000 6.9% Govt Stock 2065
Sovereign Bonds | -9% ₹126 Cr 14,000,000
↓ -1,000,000 7.24% Govt Stock 2055
Sovereign Bonds | -9% ₹124 Cr 13,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -7% ₹96 Cr 10,000,000 7.09% Govt Stock 2054
Sovereign Bonds | -5% ₹75 Cr 8,000,000 7.09% Govt Stock 2074
Sovereign Bonds | -4% ₹58 Cr 6,285,700 State Government Of Madhya Pradesh
Sovereign Bonds | -4% ₹54 Cr 5,500,000 6.53% Govt Stock 2034
Sovereign Bonds | -4% ₹51 Cr 5,000,000 6.88% Andhra Sgs 2034
Sovereign Bonds | -3% ₹48 Cr 5,000,000
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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