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Top 5 Best Gilt Funds To Invest In 2019

Updated on November 13, 2019 , 8700 views

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.

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 2019.

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Best Gilt Funds To Invest In FY 19 - 20

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2018 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Reliance Gilt Securities Fund Growth ₹27.1002
↑ 0.02
₹1,0741.68.314.87.886.79%5Y 5M 5D7Y 7M 2D
SBI Magnum Constant Maturity Fund Growth ₹44.3679
↑ 0.03
₹4511.68.714.89.69.96.83%6Y 4M 10D9Y 6M 29D
SBI Magnum Gilt Fund Growth ₹44.6583
↑ 0.03
₹1,8821.68.814.67.45.16.52%4Y 9M 4D6Y 10M 28D
Aditya Birla Sun Life Government Securities Fund Growth ₹56.628
↑ 0.03
₹2671.58.214.27.16.96.42%4Y 1M 20D5Y 10M 24D
UTI Gilt Fund Growth ₹44.5829
↑ 0.03
₹5621.18.4147.96.37.03%5Y 18D8Y 5M 18D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 15 Nov 19

1. 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 9.2% 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 (15 Nov 19) ₹27.1002 ↑ 0.02   (0.09 %)
Net Assets (Cr) ₹1,074 on 30 Sep 19
Category Debt - Government Bond
AMC Reliance Nippon Life Asset Management Ltd.
Rating
Risk Moderate
Expense Ratio 1.81
Sharpe Ratio 2.88
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 6.79%
Effective Maturity 7 Years 7 Months 2 Days
Modified Duration 5 Years 5 Months 5 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 14₹10,000
31 Oct 15₹11,216
31 Oct 16₹12,693
31 Oct 17₹13,690
31 Oct 18₹14,031
31 Oct 19₹16,234

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 15 Nov 19

DurationReturns
1 Month 0.5%
3 Month 1.6%
6 Month 8.3%
1 Year 14.8%
3 Year 7.8%
5 Year 10%
10 Year
15 Year
Since launch 9.2%
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 0910.6 Yr.
Kinjal Desai16 Jul 181.29 Yr.

Data below for Reliance Gilt Securities Fund as on 30 Sep 19

Asset Allocation
Asset ClassValue
Cash2.38%
Debt97.54%
Other0.07%
Debt Sector Allocation
SectorValue
Government97.54%
Cash Equivalent2.38%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
GOVT STOCK
Sovereign Bonds | -
39%₹415 Cr40,000,000
↑ 25,000,000
GOVT STOCK
Sovereign Bonds | -
24%₹256 Cr24,702,900
↑ 2,500,000
GOVT STOCK
Sovereign Bonds | -
20%₹219 Cr20,856,100
↑ 10,625,000
8.24% Govt Stock 2027
Sovereign Bonds | -
14%₹145 Cr13,500,000
↑ 1,500,000
Net Current Assets
Net Current Assets | -
2%₹22 Cr
Triparty Repo
CBLO/Reverse Repo | -
1%₹8 Cr
6.79% Govt Stock 2029
Sovereign Bonds | -
0%₹5 Cr500,000
↓ -24,500,000
7.17% Govt Stock 2028
Sovereign Bonds | -
0%₹3 Cr283,700
↓ -10,000,000
Cash Margin - Ccil
Receivables | -
0%₹1 Cr
7.37% Govt Stock 2023
Sovereign Bonds | -
0%₹1 Cr63,200

2. 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 8.2% 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 (15 Nov 19) ₹44.3679 ↑ 0.03   (0.08 %)
Net Assets (Cr) ₹451 on 30 Sep 19
Category Debt - 10 Yr Govt Bond
AMC SBI Funds Management Private Limited
Rating
Risk Moderately Low
Expense Ratio 0.74
Sharpe Ratio 2.83
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.83%
Effective Maturity 9 Years 6 Months 29 Days
Modified Duration 6 Years 4 Months 10 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 14₹10,000
31 Oct 15₹11,143
31 Oct 16₹12,380
31 Oct 17₹13,473
31 Oct 18₹14,241
31 Oct 19₹16,506

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 15 Nov 19

DurationReturns
1 Month 0.4%
3 Month 1.6%
6 Month 8.7%
1 Year 14.8%
3 Year 9.6%
5 Year 10.4%
10 Year
15 Year
Since launch 8.2%
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 181.49 Yr.

Data below for SBI Magnum Constant Maturity Fund as on 30 Sep 19

Asset Allocation
Asset ClassValue
Cash12.84%
Debt87.16%
Debt Sector Allocation
SectorValue
Government87.16%
Cash Equivalent12.84%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.26% Govt Stock 2029
Sovereign Bonds | -
37%₹166 Cr16,000,000
↑ 6,000,000
6.68% Govt Stock 2031
Sovereign Bonds | -
27%₹122 Cr12,500,000
↓ -4,000,000
7.95% Govt Stock 2032
Sovereign Bonds | -
23%₹102 Cr9,500,000
↑ 9,500,000
Treps
CBLO/Reverse Repo | -
13%₹58 Cr
Net Receivable / Payable
- | -
1%₹3 Cr

3. 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 (15 Nov 19) ₹44.6583 ↑ 0.03   (0.07 %)
Net Assets (Cr) ₹1,882 on 30 Sep 19
Category Debt - Government Bond
AMC SBI Funds Management Private Limited
Rating
Risk Moderate
Expense Ratio 1.05
Sharpe Ratio 2.68
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.52%
Effective Maturity 6 Years 10 Months 28 Days
Modified Duration 4 Years 9 Months 4 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 14₹10,000
31 Oct 15₹11,385
31 Oct 16₹12,723
31 Oct 17₹13,848
31 Oct 18₹13,972
31 Oct 19₹16,082

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 ₹209,201.
Net Profit of ₹29,201
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 15 Nov 19

DurationReturns
1 Month 0.4%
3 Month 1.6%
6 Month 8.8%
1 Year 14.6%
3 Year 7.4%
5 Year 9.8%
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 30 Sep 19

Asset Allocation
Asset ClassValue
Cash25.44%
Debt74.56%
Debt Sector Allocation
SectorValue
Government74.56%
Cash Equivalent25.44%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.26% Govt Stock 2029
Sovereign Bonds | -
33%₹618 Cr59,500,000
↑ 38,500,000
6.79% Govt Stock 2029
Sovereign Bonds | -
18%₹343 Cr34,500,000
↓ -7,000,000
91 DTB 31102019
Sovereign Bonds | -
13%₹249 Cr25,000,000
↑ 25,000,000
Treps
CBLO/Reverse Repo | -
12%₹230 Cr
GOVT STOCK
Sovereign Bonds | -
11%₹207 Cr20,000,000
↓ -13,000,000
GOVT STOCK
Sovereign Bonds | -
6%₹105 Cr10,000,000
↑ 2,000,000
6.68% Govt Stock 2031
Sovereign Bonds | -
5%₹98 Cr10,000,000
7.18% MH SDL 2029
Sovereign Bonds | -
1%₹20 Cr2,000,000
↓ -3,000,000
Net Receivable / Payable
- | -
0%₹8 Cr
GOVT STOCK
Sovereign Bonds | -
0%₹5 Cr500,000
↓ -2,500,000

4. Aditya Birla Sun Life Government Securities Fund

(Erstwhile Aditya Birla Sun Life Gilt Plus Fund - PF Plan)

An Open - ended government securities scheme with the objective to generate income and capital appreciation through investments exclusively in Government Securities.

Aditya Birla Sun Life Government Securities Fund is a Debt - Government Bond fund was launched on 12 Oct 99. It is a fund with Moderate risk and has given a CAGR/Annualized return of 9% since its launch.  Ranked 4 in Government Bond category.  Return for 2018 was 6.9% , 2017 was 4.4% and 2016 was 16.7% .

Below is the key information for Aditya Birla Sun Life Government Securities Fund

Aditya Birla Sun Life Government Securities Fund
Growth
Launch Date 12 Oct 99
NAV (15 Nov 19) ₹56.628 ↑ 0.03   (0.04 %)
Net Assets (Cr) ₹267 on 30 Sep 19
Category Debt - Government Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderate
Expense Ratio 1.17
Sharpe Ratio 2.66
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load 0-90 Days (0.5%),90 Days and above(NIL)
Yield to Maturity 6.42%
Effective Maturity 5 Years 10 Months 24 Days
Modified Duration 4 Years 1 Month 20 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 14₹10,000
31 Oct 15₹11,326
31 Oct 16₹12,846
31 Oct 17₹13,892
31 Oct 18₹14,061
31 Oct 19₹16,131

Aditya Birla Sun Life 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 Aditya Birla Sun Life 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 15 Nov 19

DurationReturns
1 Month 0.4%
3 Month 1.5%
6 Month 8.2%
1 Year 14.2%
3 Year 7.1%
5 Year 9.9%
10 Year
15 Year
Since launch 9%
Historical performance (Yearly) on absolute basis
YearReturns
2018 6.9%
2017 4.4%
2016 16.7%
2015 5.7%
2014 19.9%
2013 3.5%
2012 11.4%
2011 9.8%
2010 2.5%
2009 -10.5%
Fund Manager information for Aditya Birla Sun Life Government Securities Fund
NameSinceTenure
Pranay Sinha1 Apr 172.5 Yr.

Data below for Aditya Birla Sun Life Government Securities Fund as on 30 Sep 19

Asset Allocation
Asset ClassValue
Cash26.45%
Debt73.55%
Debt Sector Allocation
SectorValue
Government73.55%
Cash Equivalent26.45%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
GOVT STOCK
Sovereign Bonds | -
24%₹62 Cr6,000,000
↑ 6,000,000
6.35% Govt Stock 2020
Sovereign Bonds | -
19%₹50 Cr5,000,000
↑ 5,000,000
7.17% Govt Stock 2028
Sovereign Bonds | -
13%₹34 Cr3,353,200
↓ -4,000,000
GOVT STOCK
Sovereign Bonds | -
12%₹31 Cr3,000,000
7.59% Govt Stock 2026
Sovereign Bonds | -
6%₹16 Cr1,500,000
↑ 1,500,000
6.84% Govt Stock 2022
Sovereign Bonds | -
6%₹15 Cr1,500,000
↑ 1,500,000
Clearing Corporation Of India Limited
CBLO | -
5%₹14 Cr
08.68 TN SDL 2028
Sovereign Bonds | -
4%₹11 Cr1,000,000
6.79% Govt Stock 2029
Sovereign Bonds | -
4%₹10 Cr1,000,000
GOVT STOCK
Sovereign Bonds | -
3%₹9 Cr865,500

5. UTI Gilt Fund

(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.

UTI Gilt Fund is a Debt - Government Bond fund was launched on 21 Jan 02. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.8% since its launch.  Ranked 7 in Government Bond category.  Return for 2018 was 6.3% , 2017 was 4.3% and 2016 was 15.5% .

Below is the key information for UTI Gilt Fund

UTI Gilt Fund
Growth
Launch Date 21 Jan 02
NAV (15 Nov 19) ₹44.5829 ↑ 0.03   (0.07 %)
Net Assets (Cr) ₹562 on 30 Sep 19
Category Debt - Government Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 0.95
Sharpe Ratio 2.43
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.03%
Effective Maturity 8 Years 5 Months 18 Days
Modified Duration 5 Years 18 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 14₹10,000
31 Oct 15₹11,248
31 Oct 16₹12,413
31 Oct 17₹13,655
31 Oct 18₹13,903
31 Oct 19₹15,916

UTI 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 ₹209,201.
Net Profit of ₹29,201
Invest Now

Returns for UTI 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 15 Nov 19

DurationReturns
1 Month 0.4%
3 Month 1.1%
6 Month 8.4%
1 Year 14%
3 Year 7.9%
5 Year 9.6%
10 Year
15 Year
Since launch 8.8%
Historical performance (Yearly) on absolute basis
YearReturns
2018 6.3%
2017 4.3%
2016 15.5%
2015 6.1%
2014 19.8%
2013 4%
2012 10.3%
2011 7.8%
2010 4.6%
2009 -11.4%
Fund Manager information for UTI Gilt Fund
NameSinceTenure
Amandeep Chopra1 Feb 127.67 Yr.

Data below for UTI Gilt Fund as on 30 Sep 19

Asset Allocation
Asset ClassValue
Cash35.89%
Debt64.11%
Debt Sector Allocation
SectorValue
Government63.91%
Cash Equivalent36.09%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
GOVT STOCK
Sovereign Bonds | -
20%₹116 Cr1,100,000,000
↓ -200,000,000
Net Current Assets
Net Current Assets | -
18%₹105 Cr00
91 DTB09012020
Sovereign Bonds | -
17%₹99 Cr1,000,000,000
↑ 1,000,000,000
7.26% Govt Stock 2029
Sovereign Bonds | -
14%₹78 Cr750,000,000
↓ -750,000,000
GOVT STOCK
Sovereign Bonds | -
9%₹52 Cr500,000,000
↑ 500,000,000
GOVT STOCK
Sovereign Bonds | -
9%₹52 Cr500,000,000
↑ 500,000,000
08.44 RJ SDL 2029
Sovereign Bonds | -
5%₹27 Cr250,000,000
6.62% Govt Stock 2051
Sovereign Bonds | -
4%₹24 Cr250,000,000
8.13% Govt Stock 2045
Sovereign Bonds | -
3%₹17 Cr150,000,000

How To Choose Best Gilt Debt Mutual Funds?

Duration And Average Maturity

When investing in gilt Debt fund, 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.

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.

How to Invest in Gilt Funds Online?

  1. Open Free Investment Account for Lifetime at Fincash.com.

  2. Complete your Registration and KYC Process

  3. Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!

    Get Started

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._

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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