+91-22-48913909
Table of Contents
طویل مدتی قرض فنڈز- آپ کو کب سرمایہ کاری کرنی چاہئے؟
طویل مدتی قرض فنڈز قرض کی ایک قسم ہیں۔باہمی چندہ جو کارپوریٹ میں سرمایہ کاری کرتے ہیں۔بانڈز اور سرکاری سیکیورٹیز (g-secs) جن کی پختگی کی مدت طویل ہے۔ ان فنڈز کی اوسط میچورٹی 3 سال سے زیادہ ہوتی ہے، اکثر اوقات۔ اسی لیے، یہ فنڈز ان سرمایہ کاروں کے لیے موزوں ہیں جو وسط سے طویل مدتی بنانا چاہتے ہیں۔سرمایہ کاری کا منصوبہ یعنی، عام طور پر 3-5 سال یا اس سے بھی زیادہ۔ آئیے سمجھتے ہیں کہ طویل مدتی قرض فنڈز کیسے کام کرتے ہیں اور 2022 میں سرمایہ کاری کے لیے بہترین طویل مدتی بانڈ فنڈز کون سے ہیں۔
Talk to our investment specialist
طویل مدتی قرض فنڈز- طویل مدتی سرمایہ کاری کا منصوبہ
طویل مدتی قرض فنڈز اپنی بڑی سرمایہ کاری کرتے ہیں۔زیرِ نظر قرض کے آلات میں اثاثہ جیسے کارپوریٹ ڈیبینچرز، بانڈز اورکرنسی مارکیٹ اعلی میچورٹی مدت کے ساتھ آلات اور سرکاری سیکیورٹی سرمایہ کاروں کو طویل مدتی قرض فنڈز میں سرمایہ کاری کرنی چاہیے اگر ان کے پاس سرمایہ کاری کا وقت 3 سال سے زیادہ ہے۔ اس کے علاوہ، یہ فنڈ صرف ان سرمایہ کاروں کے لیے موزوں ہے جو سرمایہ کاری میں کسی حد تک خطرہ مول لینے کے لیے تیار ہیں۔
طویل مدتی قرض کے فنڈز شرح سود میں ہونے والی تبدیلیوں کے لیے حساس ہوتے ہیں اور قرض کے فنڈز کی دیگر اقسام کے مقابلے زیادہ غیر مستحکم ہوتے ہیں۔ سود کی شرح اور قرض کے آلات کی قیمتیں ایک الٹا تعلق رکھتی ہیں، جس کا مطلب ہے کہ وہ مخالف سمتوں میں چلتے ہیں۔ مثال کے طور پر، سود کی گرتی ہوئی شرح قرض فنڈز یا بانڈ فنڈز کے لیے اچھی ہے۔ طویل مدتیآمدنی فنڈز کو عام طور پر فائدہ ہوتا ہے جب شرح سود نیچے کی طرف بڑھ رہی ہوتی ہے۔ مزید برآں، شرح سود میں کمی کے دوران، بانڈ کی قیمتیں بڑھ جاتی ہیں اور یہ اضافہ ہوتا ہے۔NAVs کےقرض فنڈ سکیمیں
گرتی ہوئی شرح سود کے منظر نامے میں، ایسے بانڈز کی اوسط میچورٹی تقریباً 7-10 سال تک جا سکتی ہے۔ جب شرح سود میں اضافہ ہوتا ہے، تو وہ کم مدتی سیکیورٹیز کا ذخیرہ کرتے ہیں اور پورٹ فولیو کی اوسط میچورٹی کو کم رکھتے ہیں۔
زیادہ تر، طویل مدتی بانڈ فنڈز میں سرمایہ کاری کرنے کا مشورہ دیا جاتا ہے جب سود کی شرحوں میں کمی کی توقع کی جاتی ہے کیونکہ شرح سود میں کمی طویل مدتی سیکیورٹیز کی قیمتوں میں اضافے کا سبب بنتی ہے۔ وہ سرمایہ کار جو سود کی شرح میں اتار چڑھاؤ سے مطمئن ہیں۔مارکیٹ، صرف ترجیح دینا چاہئےسرمایہ کاری طویل مدتی قرض فنڈز میں.
واپسی اور خطرہ
ان فنڈز کا مقصد حد سے زیادہ منافع دینا ہے۔بینک فکسڈ ڈپازٹس مزید برآں، اگر تین سال سے زائد عرصے تک رکھا جائے، تو ریٹرن زیادہ ٹیکس موثر ہوتے ہیں۔ لیکن، خطرے کی طرف، یہ فنڈز اتار چڑھاؤ کا شکار ہو سکتے ہیں جب شرح سود اچانک سمت بدلتی ہے۔ شرح سود کے مسلسل بڑھتے ہوئے نظام میں، یہ فنڈز معمولی منافع دیتے ہیں کیونکہ وہ طویل مدتی بانڈز فروخت نہیں کر سکتے اور مختصر مدت کے اسکرپٹس پر سوئچ نہیں کر سکتے۔
لانگ ٹرم ڈیبٹ فنڈز ٹیکسیشن
قرض فنڈز پر ٹیکس کا اطلاق درج ذیل طریقے سے کیا جاتا ہے۔
شارٹ ٹرم کیپیٹل گینز
اگر قرض کی سرمایہ کاری کی مدت 36 ماہ سے کم ہے، تو اسے مختصر مدت کی سرمایہ کاری کے طور پر درجہ بندی کیا جاتا ہے اور ان پر فرد کے ٹیکس سلیب کے مطابق ٹیکس لگایا جاتا ہے۔
طویل مدتی کیپٹل گینز
اگر قرض کی سرمایہ کاری کی ہولڈنگ کی مدت 36 ماہ سے زیادہ ہے، تو اسے ایک طویل مدتی سرمایہ کاری کے طور پر درجہ بندی کیا جاتا ہے اور اس پر انڈیکسیشن فائدہ کے ساتھ 20% ٹیکس لگایا جاتا ہے۔
| سرمایہ فوائد | انویسٹمنٹ ہولڈنگ گینز | ٹیکس لگانا |
|---|---|---|
| قلیل مدتکیپٹل گینز | 36 ماہ سے کم | فرد کے ٹیکس سلیب کے مطابق |
| طویل مدتی کیپٹل گینز | 36 ماہ سے زیادہ | انڈیکسیشن فوائد کے ساتھ 20% |
لانگ ٹرم بانڈ فنڈز میں سرمایہ کاری کیسے کی جائے؟
سرمایہ کار دو طریقوں سے سرمایہ کاری کر سکتے ہیں۔گھونٹ یا یکمشت۔ اوسط سرمایہ کاروں کے لیے، SIP (سسٹمیٹک انویسٹمنٹ پلان) سب سے قابل عمل آپشن ہے۔ یہ آپ کو ماہانہ/ سہ ماہی/ سالانہ سرمایہ کاری کا ایک منظم آپشن فراہم کرتا ہے۔بنیاد. یکمشت رقم میں، سرمایہ کاروں کو اسکیم میں ایک بار نیچے ادائیگی کے طور پر کافی رقم لگانی پڑتی ہے۔ یکمشت کے لیے کم از کم سرمایہ کاری کی رقم INR 5000 ہے، جبکہ SIP کے لیے یہ INR 500 ہے۔
2022 میں سرمایہ کاری کے لیے بہترین لانگ ٹرم بانڈ فنڈز
Fund NAV Net Assets (Cr) Min Investment Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity DSP BlackRock Government Securities Fund Growth ₹97.5986
↑ 0.08 ₹1,737 1,000 500 5.3 6.6 11.8 8.9 10.1 6.8% 10Y 5M 23D 27Y 9M 25D Axis Gilt Fund Growth ₹25.927
↑ 0.03 ₹836 5,000 1,000 5 6.6 11.8 8.6 10 6.77% 11Y 7D 27Y 3M 29D HDFC Gilt Fund Growth ₹56.1668
↑ 0.07 ₹3,006 5,000 300 4.8 6.6 11.6 8.4 8.7 6.63% 8Y 6M 11D 17Y 3M 22D SBI Magnum Gilt Fund Growth ₹67.1216
↑ 0.08 ₹11,954 5,000 500 5 6.6 11.3 9 8.9 6.79% 10Y 7M 2D 25Y 2M 1D Invesco India Gilt Fund Growth ₹2,885.32
↑ 3.03 ₹692 5,000 100 5 6.3 11.2 8.3 10 6.8% 11Y 4M 24D 27Y 9M IDFC Government Securities Fund - Investment Plan Growth ₹35.8874
↑ 0.04 ₹3,106 5,000 1,000 4.9 5.9 11 8.7 10.6 7.02% 11Y 11M 26D 28Y 2M 26D Nippon India Gilt Securities Fund Growth ₹38.6701
↑ 0.03 ₹2,115 5,000 100 4.7 6.2 11 8.3 8.9 6.76% 9Y 3M 25D 21Y 4M 10D UTI Gilt Fund Growth ₹63.7279
↑ 0.08 ₹742 5,000 500 4.7 6.5 11 8.3 8.9 6.64% 9Y 2M 16D 19Y 11M 26D PGIM India Gilt Fund Growth ₹30.6666
↑ 0.03 ₹116 5,000 1,000 4.7 6.2 11 7.9 8.9 6.65% 9Y 3M 14D 21Y 10M 24D Canara Robeco Gilt Fund Growth ₹76.8346
↑ 0.08 ₹144 5,000 1,000 5 6.3 10.9 8.1 8.8 6.72% 10Y 6M 15D 25Y 1M 11D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 May 25
The Scheme aims to generate returns through investments in Central Govt Securities. DSP BlackRock Government Securities Fund is a Debt - Government Bond fund was launched on 30 Sep 99. It is a fund with Moderate risk and has given a Below is the key information for DSP BlackRock Government Securities 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. Axis Gilt Fund is a Debt - Government Bond fund was launched on 23 Jan 12. It is a fund with Moderate risk and has given a Below is the key information for Axis Gilt Fund Returns up to 1 year are on (Erstwhile HDFC Gilt Fund - Long Term Plan) The scheme seeks to generate credit risk - free returns through investments in sovereign securities issued by the Central Government and / or State Governments. HDFC Gilt Fund is a Debt - Government Bond fund was launched on 25 Jul 01. It is a fund with Moderate risk and has given a Below is the key information for HDFC Gilt 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 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 Below is the key information for SBI Magnum Gilt Fund Returns up to 1 year are on The objective of the Scheme is to generate optimal returns by investing in a portfolio of securities issued and guaranteed by Central and State Government. Invesco India Gilt Fund is a Debt - Government Bond fund was launched on 9 Feb 08. It is a fund with Moderate risk and has given a Below is the key information for Invesco India Gilt Fund Returns up to 1 year are on IDFC – GSF -IP is an open ended dedicated gilt scheme with an objective to generate optimal returns with high liquidity by investing in Government Securities.However there is no assurance that the investment objective of the scheme will be realized. IDFC Government Securities Fund - Investment Plan is a Debt - Government Bond fund was launched on 3 Dec 08. It is a fund with Moderate risk and has given a Below is the key information for IDFC Government Securities Fund - Investment Plan 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. Nippon India 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 Below is the key information for Nippon India Gilt Securities 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. 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 Below is the key information for UTI Gilt Fund Returns up to 1 year are on To generate reasonable returns by investing in Central/State Government securities of various maturities. PGIM India Gilt Fund is a Debt - Government Bond fund was launched on 27 Oct 08. It is a fund with Moderate risk and has given a Below is the key information for PGIM India Gilt Fund Returns up to 1 year are on (Erstwhile Canara Robeco GILT PGS) To provide risk free return (except interest rate risk) and long term capital
appreciation by investing only in Govt. Securities. However, there can be no assurance that the investment objective of the scheme will be realized. Canara Robeco Gilt Fund is a Debt - Government Bond fund was launched on 29 Dec 99. It is a fund with Moderate risk and has given a Below is the key information for Canara Robeco Gilt Fund Returns up to 1 year are on 1. DSP BlackRock Government Securities Fund
CAGR/Annualized return of 9.3% since its launch. Ranked 9 in Government Bond category. Return for 2024 was 10.1% , 2023 was 7.1% and 2022 was 2.7% . DSP BlackRock Government Securities Fund
Growth Launch Date 30 Sep 99 NAV (20 May 25) ₹97.5986 ↑ 0.08 (0.08 %) Net Assets (Cr) ₹1,737 on 30 Apr 25 Category Debt - Government Bond AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk Moderate Expense Ratio 1.1 Sharpe Ratio 1.5 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-7 Days (0.1%),7 Days and above(NIL) Yield to Maturity 6.8% Effective Maturity 27 Years 9 Months 25 Days Modified Duration 10 Years 5 Months 23 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,639 30 Apr 22 ₹10,922 30 Apr 23 ₹11,597 30 Apr 24 ₹12,380 30 Apr 25 ₹13,964 Returns for DSP BlackRock Government Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 May 25 Duration Returns 1 Month 1.6% 3 Month 5.3% 6 Month 6.6% 1 Year 11.8% 3 Year 8.9% 5 Year 6.7% 10 Year 15 Year Since launch 9.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 10.1% 2023 7.1% 2022 2.7% 2021 3.1% 2020 13.1% 2019 12.5% 2018 7.4% 2017 1.4% 2016 15.3% 2015 6.2% Fund Manager information for DSP BlackRock Government Securities Fund
Name Since Tenure Sandeep Yadav 1 Aug 24 0.75 Yr. Shantanu Godambe 1 Jun 23 1.92 Yr. Data below for DSP BlackRock Government Securities Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 0.98% Debt 99.02% Debt Sector Allocation
Sector Value Government 99.02% Cash Equivalent 0.98% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -39% ₹614 Cr 56,000,000
↑ 3,500,000 7.3% Govt Stock 2053
Sovereign Bonds | -22% ₹351 Cr 32,500,000
↓ -12,500,000 7.09% Govt Stock 2054
Sovereign Bonds | -16% ₹256 Cr 24,500,000
↑ 14,500,000 India (Republic of) 6.9%
Sovereign Bonds | -6% ₹100 Cr 10,000,000
↑ 10,000,000 8.17% Govt Stock 2044
Sovereign Bonds | -6% ₹89 Cr 7,500,000
↑ 2,500,000 7.59% Govt Stock 2031
Sovereign Bonds | -5% ₹79 Cr 7,500,000
↑ 7,500,000 8.13% Govt Stock 2045
Sovereign Bonds | -4% ₹59 Cr 5,000,000
↑ 5,000,000 364 DTB 03072025
Sovereign Bonds | -0% ₹0 Cr 2,000 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -3% ₹42 Cr Net Receivables/Payables
Net Current Assets | -2% -₹27 Cr 2. Axis Gilt Fund
CAGR/Annualized return of 7.4% since its launch. Ranked 16 in Government Bond category. Return for 2024 was 10% , 2023 was 7.1% and 2022 was 2.4% . Axis Gilt Fund
Growth Launch Date 23 Jan 12 NAV (20 May 25) ₹25.927 ↑ 0.03 (0.10 %) Net Assets (Cr) ₹836 on 30 Apr 25 Category Debt - Government Bond AMC Axis Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 0.79 Sharpe Ratio 1.71 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.77% Effective Maturity 27 Years 3 Months 29 Days Modified Duration 11 Years 7 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,596 30 Apr 22 ₹10,808 30 Apr 23 ₹11,391 30 Apr 24 ₹12,183 30 Apr 25 ₹13,738 Returns for Axis Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 May 25 Duration Returns 1 Month 1.3% 3 Month 5% 6 Month 6.6% 1 Year 11.8% 3 Year 8.6% 5 Year 6.5% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 6.3% Fund Manager information for Axis Gilt Fund
Name Since Tenure Devang Shah 5 Nov 12 12.49 Yr. Sachin Jain 1 Feb 23 2.24 Yr. Data below for Axis Gilt Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 2.59% Debt 97.41% Debt Sector Allocation
Sector Value Government 97.41% Cash Equivalent 2.59% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -40% ₹338 Cr 31,494,700
↓ -3,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -26% ₹219 Cr 21,300,000
↑ 7,800,000 7.09% Govt Stock 2054
Sovereign Bonds | -19% ₹156 Cr 15,000,000
↓ -2,500,000 7.3% Govt Stock 2053
Sovereign Bonds | -10% ₹80 Cr 7,500,000 6.9% Govt Stock 2065
Sovereign Bonds | -1% ₹10 Cr 1,000,000 7.46% Govt Stock 2073
Sovereign Bonds | -1% ₹5 Cr 500,000 7.39 CG Sdl 2033
Sovereign Bonds | -0% ₹2 Cr 235,700 6.92% Govt Stock 2039
Sovereign Bonds | -0% ₹2 Cr 200,000 7.09% Govt Stock 2074
Sovereign Bonds | -0% ₹1 Cr 143,000 Net Receivables / (Payables)
CBLO | -2% ₹20 Cr 3. HDFC Gilt Fund
CAGR/Annualized return of 7.5% since its launch. Ranked 7 in Government Bond category. Return for 2024 was 8.7% , 2023 was 7.1% and 2022 was 1.7% . HDFC Gilt Fund
Growth Launch Date 25 Jul 01 NAV (20 May 25) ₹56.1668 ↑ 0.07 (0.12 %) Net Assets (Cr) ₹3,006 on 30 Apr 25 Category Debt - Government Bond AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.88 Sharpe Ratio 1.79 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 6.63% Effective Maturity 17 Years 3 Months 22 Days Modified Duration 8 Years 6 Months 11 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,500 30 Apr 22 ₹10,677 30 Apr 23 ₹11,293 30 Apr 24 ₹11,985 30 Apr 25 ₹13,419 Returns for HDFC Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 May 25 Duration Returns 1 Month 1.3% 3 Month 4.8% 6 Month 6.6% 1 Year 11.6% 3 Year 8.4% 5 Year 6% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.7% 2023 7.1% 2022 1.7% 2021 2.2% 2020 10.7% 2019 8.6% 2018 5.4% 2017 1.8% 2016 16.6% 2015 5.9% Fund Manager information for HDFC Gilt Fund
Name Since Tenure Anil Bamboli 1 Sep 07 17.68 Yr. Dhruv Muchhal 22 Jun 23 1.86 Yr. Data below for HDFC Gilt Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 2.71% Debt 97.29% Debt Sector Allocation
Sector Value Government 97.29% Cash Equivalent 2.71% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -24% ₹560 Cr 56,000,000
↑ 4,000,000 7.18% Govt Stock 2037
Sovereign Bonds | -12% ₹269 Cr 27,000,000
↑ 15,000,000 7.26% Govt Stock 2033
Sovereign Bonds | -11% ₹241 Cr 24,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -9% ₹206 Cr 20,500,000
↓ -26,000,000 7.17% Govt Stock 2030
Sovereign Bonds | -8% ₹180 Cr 18,000,000
↑ 9,500,000 7.26% Govt Stock 2032
Sovereign Bonds | -7% ₹171 Cr 17,000,000 7.1% Govt Stock 2029
Sovereign Bonds | -4% ₹90 Cr 9,000,000
↑ 9,000,000 6.45% Govt Stock 2029
Sovereign Bonds | -4% ₹82 Cr 8,500,000
↑ 8,500,000 6.79% Govt Stock 2029
Sovereign Bonds | -3% ₹64 Cr 6,500,000
↑ 6,500,000 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹60 Cr 6,000,000
↓ -13,000,000 4. SBI Magnum Gilt Fund
CAGR/Annualized return of 8.1% since its launch. Ranked 3 in Government Bond category. Return for 2024 was 8.9% , 2023 was 7.6% and 2022 was 4.2% . SBI Magnum Gilt Fund
Growth Launch Date 30 Dec 00 NAV (20 May 25) ₹67.1216 ↑ 0.08 (0.12 %) Net Assets (Cr) ₹11,954 on 30 Apr 25 Category Debt - Government Bond AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.94 Sharpe Ratio 1.53 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.79% Effective Maturity 25 Years 2 Months 1 Day Modified Duration 10 Years 7 Months 2 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,621 30 Apr 22 ₹10,905 30 Apr 23 ₹11,719 30 Apr 24 ₹12,487 30 Apr 25 ₹13,992 Returns for SBI Magnum Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 May 25 Duration Returns 1 Month 1.3% 3 Month 5% 6 Month 6.6% 1 Year 11.3% 3 Year 9% 5 Year 6.7% 10 Year 15 Year Since launch 8.1% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 7.3% Fund Manager information for SBI Magnum Gilt Fund
Name Since Tenure Rajeev Radhakrishnan 1 Nov 23 1.5 Yr. Tejas Soman 1 Dec 23 1.41 Yr. Data below for SBI Magnum Gilt Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 0.94% Debt 99.06% Debt Sector Allocation
Sector Value Government 99.06% Cash Equivalent 0.94% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -39% ₹4,674 Cr 436,000,000
↑ 40,500,000 6.79% Govt Stock 2034
Sovereign Bonds | -25% ₹3,012 Cr 292,327,500
↓ -46,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -9% ₹1,129 Cr 106,000,000 7.14% Maharashtra SDL 2039
Sovereign Bonds | -5% ₹615 Cr 59,500,000
↓ -18,500,000 6.9% Govt Stock 2065
Sovereign Bonds | -5% ₹558 Cr 55,000,000
↑ 13,500,000 7.12% Maharashtra SDL 2038
Sovereign Bonds | -4% ₹533 Cr 51,706,900
↑ 1,000,000 8.17% Govt Stock 2044
Sovereign Bonds | -4% ₹466 Cr 40,000,000
↑ 40,000,000 7.17% State Government Securities
Sovereign Bonds | -3% ₹306 Cr 29,810,700 7.13% State Government Of Karnataka 2041
Sovereign Bonds | -2% ₹254 Cr 24,548,600 07.36 MH Sdl 21/02/2035
Sovereign Bonds | -1% ₹132 Cr 12,500,000 5. Invesco India Gilt Fund
CAGR/Annualized return of 6.3% since its launch. Ranked 10 in Government Bond category. Return for 2024 was 10% , 2023 was 6.6% and 2022 was 2.3% . Invesco India Gilt Fund
Growth Launch Date 9 Feb 08 NAV (20 May 25) ₹2,885.32 ↑ 3.03 (0.11 %) Net Assets (Cr) ₹692 on 15 Apr 25 Category Debt - Government Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.2 Sharpe Ratio 1.37 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.8% Effective Maturity 27 Years 9 Months Modified Duration 11 Years 4 Months 24 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,313 30 Apr 22 ₹10,423 30 Apr 23 ₹10,976 30 Apr 24 ₹11,734 30 Apr 25 ₹13,187 Returns for Invesco India Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 May 25 Duration Returns 1 Month 1.3% 3 Month 5% 6 Month 6.3% 1 Year 11.2% 3 Year 8.3% 5 Year 5.5% 10 Year 15 Year Since launch 6.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 10% 2023 6.6% 2022 2.3% 2021 0.7% 2020 8.2% 2019 9.6% 2018 6.2% 2017 1.2% 2016 16.6% 2015 4.2% Fund Manager information for Invesco India Gilt Fund
Name Since Tenure Krishna Cheemalapati 27 Jul 21 3.76 Yr. Vikas Garg 26 Sep 20 4.6 Yr. Data below for Invesco India Gilt Fund as on 15 Apr 25
Asset Allocation
Asset Class Value Cash 3.07% Debt 96.93% Debt Sector Allocation
Sector Value Government 96.93% Cash Equivalent 3.07% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.09% Govt Stock 2054
Sovereign Bonds | -34% ₹237 Cr 23,000,000
↓ -10,500,000 7.34% Govt Stock 2064
Sovereign Bonds | -33% ₹229 Cr 21,531,000
↓ -6,000,000 6.92% Govt Stock 2039
Sovereign Bonds | -21% ₹145 Cr 14,000,000
↓ -500,000 7.14% Maharashtra SDL 2039
Sovereign Bonds | -5% ₹35 Cr 3,400,000 6.79% Govt Stock 2034
Sovereign Bonds | -3% ₹21 Cr 2,012,900
↓ -7,500,000 India (Republic of) 6.9%
Sovereign Bonds | -2% ₹12 Cr 1,243,200
↑ 1,243,200 Net Receivables / (Payables)
Net Current Assets | -2% ₹14 Cr Triparty Repo
CBLO/Reverse Repo | -1% ₹8 Cr 7.1% Govt Stock 2034
Sovereign Bonds | -₹0 Cr 00
↓ -1,000,000 6. IDFC Government Securities Fund - Investment Plan
CAGR/Annualized return of 8.1% since its launch. Ranked 14 in Government Bond category. Return for 2024 was 10.6% , 2023 was 6.8% and 2022 was 1.4% . IDFC Government Securities Fund - Investment Plan
Growth Launch Date 3 Dec 08 NAV (20 May 25) ₹35.8874 ↑ 0.04 (0.10 %) Net Assets (Cr) ₹3,106 on 30 Apr 25 Category Debt - Government Bond AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.19 Sharpe Ratio 1.32 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.02% Effective Maturity 28 Years 2 Months 26 Days Modified Duration 11 Years 11 Months 26 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,633 30 Apr 22 ₹10,890 30 Apr 23 ₹11,438 30 Apr 24 ₹12,171 30 Apr 25 ₹13,710 Returns for IDFC Government Securities Fund - Investment Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 May 25 Duration Returns 1 Month 1.3% 3 Month 4.9% 6 Month 5.9% 1 Year 11% 3 Year 8.7% 5 Year 6.2% 10 Year 15 Year Since launch 8.1% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 6% Fund Manager information for IDFC Government Securities Fund - Investment Plan
Name Since Tenure Suyash Choudhary 15 Oct 10 14.55 Yr. Brijesh Shah 10 Jun 24 0.89 Yr. Data below for IDFC Government Securities Fund - Investment Plan as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 1.94% Debt 98.06% Debt Sector Allocation
Sector Value Government 98.06% Cash Equivalent 1.94% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.3% Govt Stock 2053
Sovereign Bonds | -98% ₹3,473 Cr 331,400,000
↓ -8,000,000 7.17% Govt Stock 2028
Sovereign Bonds | -0% ₹0 Cr 6,300 Net Current Assets
Net Current Assets | -2% ₹66 Cr Triparty Repo Trp_020425
CBLO/Reverse Repo | -0% ₹2 Cr Cash Margin - Ccil
CBLO/Reverse Repo | -0% ₹0 Cr 7. Nippon India Gilt Securities Fund
CAGR/Annualized return of 8.4% since its launch. Ranked 2 in Government Bond category. Return for 2024 was 8.9% , 2023 was 6.7% and 2022 was 2.1% . Nippon India Gilt Securities Fund
Growth Launch Date 22 Aug 08 NAV (20 May 25) ₹38.6701 ↑ 0.03 (0.08 %) Net Assets (Cr) ₹2,115 on 30 Apr 25 Category Debt - Government Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.42 Sharpe Ratio 1.47 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 6.76% Effective Maturity 21 Years 4 Months 10 Days Modified Duration 9 Years 3 Months 25 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,479 30 Apr 22 ₹10,646 30 Apr 23 ₹11,257 30 Apr 24 ₹11,940 30 Apr 25 ₹13,328 Returns for Nippon India Gilt Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 May 25 Duration Returns 1 Month 1.2% 3 Month 4.7% 6 Month 6.2% 1 Year 11% 3 Year 8.3% 5 Year 5.8% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 6.2% Fund Manager information for Nippon India Gilt Securities Fund
Name Since Tenure Pranay Sinha 31 Mar 21 4.09 Yr. Kinjal Desai 31 Oct 21 3.5 Yr. Data below for Nippon India Gilt Securities Fund as on 30 Apr 25
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 7.34% Govt Stock 2064
Sovereign Bonds | -16% ₹343 Cr 32,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -16% ₹331 Cr 31,500,000 7.09% Govt Stock 2054
Sovereign Bonds | -12% ₹260 Cr 25,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -9% ₹197 Cr 18,500,000 7.25% Govt Stock 2063
Sovereign Bonds | -7% ₹148 Cr 14,000,000 7.18% Govt Stock 2037
Sovereign Bonds | -6% ₹122 Cr 11,465,200 7.02% Govt Stock 2031
Sovereign Bonds | -4% ₹83 Cr 8,000,000
↑ 6,500,000 6.79% Govt Stock 2034
Sovereign Bonds | -4% ₹77 Cr 7,500,000
↑ 2,500,000 6.8% Govt Stock 2060
Sovereign Bonds | -3% ₹60 Cr 6,000,000 7.04% Govt Stock 2029
Sovereign Bonds | -3% ₹57 Cr 5,500,000
↑ 2,500,000 8. UTI Gilt Fund
CAGR/Annualized return of 8.3% since its launch. Ranked 7 in Government Bond category. Return for 2024 was 8.9% , 2023 was 6.7% and 2022 was 2.9% . UTI Gilt Fund
Growth Launch Date 21 Jan 02 NAV (20 May 25) ₹63.7279 ↑ 0.08 (0.13 %) Net Assets (Cr) ₹742 on 30 Apr 25 Category Debt - Government Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.92 Sharpe Ratio 1.48 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.64% Effective Maturity 19 Years 11 Months 26 Days Modified Duration 9 Years 2 Months 16 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,443 30 Apr 22 ₹10,651 30 Apr 23 ₹11,299 30 Apr 24 ₹12,010 30 Apr 25 ₹13,392 Returns for UTI Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 May 25 Duration Returns 1 Month 1.2% 3 Month 4.7% 6 Month 6.5% 1 Year 11% 3 Year 8.3% 5 Year 5.9% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 6.1% Fund Manager information for UTI Gilt Fund
Name Since Tenure Pankaj Pathak 8 Apr 25 0.06 Yr. Data below for UTI Gilt Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 4.33% Debt 95.67% Debt Sector Allocation
Sector Value Government 95.67% Cash Equivalent 4.33% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -46% ₹340 Cr 3,300,000,000
↑ 250,000,000 7.34% Govt Stock 2064
Sovereign Bonds | -17% ₹123 Cr 1,150,000,000 7.09% Govt Stock 2054
Sovereign Bonds | -14% ₹104 Cr 1,000,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -6% ₹48 Cr 450,000,000 7.46% Govt Stock 2073
Sovereign Bonds | -4% ₹33 Cr 300,000,000 Chhattisgarh (Government of) 7.32%
- | -4% ₹31 Cr 300,000,000 Assam (Government of) 7.34%
- | -4% ₹31 Cr 300,000,000 Net Current Assets
Net Current Assets | -4% ₹29 Cr Clearing Corporation Of India Ltd. Std - Margin
CBLO/Reverse Repo | -0% ₹3 Cr 00 7.1% Govt Stock 2034
Sovereign Bonds | -₹0 Cr 00
↓ -250,000,000 9. PGIM India Gilt Fund
CAGR/Annualized return of 7% since its launch. Ranked 15 in Government Bond category. Return for 2024 was 8.9% , 2023 was 6.6% and 2022 was 1.8% . PGIM India Gilt Fund
Growth Launch Date 27 Oct 08 NAV (20 May 25) ₹30.6666 ↑ 0.03 (0.11 %) Net Assets (Cr) ₹116 on 30 Apr 25 Category Debt - Government Bond AMC Pramerica Asset Managers Private Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.46 Sharpe Ratio 1.56 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.65% Effective Maturity 21 Years 10 Months 24 Days Modified Duration 9 Years 3 Months 14 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,510 30 Apr 22 ₹10,720 30 Apr 23 ₹11,243 30 Apr 24 ₹11,942 30 Apr 25 ₹13,331 Returns for PGIM India Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 May 25 Duration Returns 1 Month 1.2% 3 Month 4.7% 6 Month 6.2% 1 Year 11% 3 Year 7.9% 5 Year 5.8% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.9% 2023 6.6% 2022 1.8% 2021 2.9% 2020 9.4% 2019 10.1% 2018 5.9% 2017 4% 2016 12.6% 2015 7.1% Fund Manager information for PGIM India Gilt Fund
Name Since Tenure Bhupesh Kalyani 13 Sep 22 2.63 Yr. Puneet Pal 13 Dec 17 7.38 Yr. Data below for PGIM India Gilt Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 10.19% Debt 89.81% Debt Sector Allocation
Sector Value Government 89.81% Cash Equivalent 10.19% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -27% ₹32 Cr 2,983,333
↑ 2,983,333 7.23% Govt Stock 2039
Sovereign Bonds | -18% ₹21 Cr 1,940,000
↓ -750,000 6.92% Govt Stock 2039
Sovereign Bonds | -14% ₹17 Cr 1,600,000
↓ -250,000 7.3% Govt Stock 2053
Sovereign Bonds | -10% ₹11 Cr 1,041,667
↓ -900,000 7.09% Govt Stock 2054
Sovereign Bonds | -5% ₹6 Cr 540,100 7.18% Govt Stock 2037
Sovereign Bonds | -5% ₹5 Cr 500,000 7.26% Govt Stock 2033
Sovereign Bonds | -3% ₹4 Cr 352,063 7.18% Govt Stock 2033
Sovereign Bonds | -3% ₹4 Cr 334,000 8.28% Govt Stock 2027
Sovereign Bonds | -2% ₹3 Cr 270,000 6.79% Govt Stock 2034
Sovereign Bonds | -1% ₹1 Cr 100,000
↓ -400,000 10. Canara Robeco Gilt Fund
CAGR/Annualized return of 8.4% since its launch. Ranked 6 in Government Bond category. Return for 2024 was 8.8% , 2023 was 6.5% and 2022 was 2.3% . Canara Robeco Gilt Fund
Growth Launch Date 29 Dec 99 NAV (20 May 25) ₹76.8346 ↑ 0.08 (0.11 %) Net Assets (Cr) ₹144 on 30 Apr 25 Category Debt - Government Bond AMC Canara Robeco Asset Management Co. Ltd. Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.24 Sharpe Ratio 1.29 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.72% Effective Maturity 25 Years 1 Month 11 Days Modified Duration 10 Years 6 Months 15 Days Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹10,482 30 Apr 22 ₹10,691 30 Apr 23 ₹11,293 30 Apr 24 ₹11,953 30 Apr 25 ₹13,333 Returns for Canara Robeco Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 May 25 Duration Returns 1 Month 1.3% 3 Month 5% 6 Month 6.3% 1 Year 10.9% 3 Year 8.1% 5 Year 5.7% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 8.8% 2023 6.5% 2022 2.3% 2021 1.8% 2020 10.3% 2019 9.9% 2018 4.9% 2017 2.9% 2016 18% 2015 6.3% Fund Manager information for Canara Robeco Gilt Fund
Name Since Tenure Avnish Jain 1 Apr 22 3.08 Yr. Kunal Jain 18 Jul 22 2.79 Yr. Data below for Canara Robeco Gilt Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 4.98% Debt 95.02% Debt Sector Allocation
Sector Value Government 95.02% Cash Equivalent 4.98% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -39% ₹56 Cr 5,250,000 6.92% Govt Stock 2039
Sovereign Bonds | -20% ₹29 Cr 2,750,000 7.3% Govt Stock 2053
Sovereign Bonds | -17% ₹25 Cr 2,350,000 7.23% Govt Stock 2039
Sovereign Bonds | -7% ₹10 Cr 900,000 7.18% Govt Stock 2037
Sovereign Bonds | -5% ₹7 Cr 678,600 6.79% Govt Stock 2034
Sovereign Bonds | -4% ₹5 Cr 500,000
↑ 500,000 7.38% Govt Stock 2027
Sovereign Bonds | -2% ₹3 Cr 250,100 7.17% Govt Stock 2030
Sovereign Bonds | -1% ₹2 Cr 158,900 8.13% Govt Stock 2045
Sovereign Bonds | -0% ₹0 Cr 10,000 7.1% Govt Stock 2034
Sovereign Bonds | -0% ₹0 Cr 7,950
لانگ ٹرم بانڈز میں آن لائن سرمایہ کاری کیسے کی جائے؟
Fincash.com پر لائف ٹائم کے لیے مفت انویسٹمنٹ اکاؤنٹ کھولیں۔
اپنی رجسٹریشن اور KYC کا عمل مکمل کریں۔
دستاویزات اپ لوڈ کریں (PAN، آدھار، وغیرہ)۔اور، آپ سرمایہ کاری کے لیے تیار ہیں!
یہاں فراہم کردہ معلومات کے درست ہونے کو یقینی بنانے کے لیے تمام کوششیں کی گئی ہیں۔ تاہم، ڈیٹا کی درستگی کے حوالے سے کوئی ضمانت نہیں دی جاتی ہے۔ براہ کرم کوئی بھی سرمایہ کاری کرنے سے پہلے اسکیم کی معلومات کے دستاویز کے ساتھ تصدیق کریں۔
AMFI Registration No. 112358 | CIN: U74999MH2016PTC282153
Shepard Technologies Pvt. Ltd. (with ARN code 112358) makes no warranties or representations, express or implied, on products offered through the platform. It accepts no liability for any damages or losses, however caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable.
©2025 Shepard Technologies Private Limited. All Rights Reserved