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Table of Contents
- দীর্ঘমেয়াদী ঋণ তহবিল- দীর্ঘমেয়াদী বিনিয়োগের জন্য একটি পরিকল্পনা
- রিটার্ন এবং ঝুঁকি
- দীর্ঘমেয়াদী ঋণ তহবিল কর
- দীর্ঘমেয়াদী বন্ড তহবিলে কীভাবে বিনিয়োগ করবেন?
- 2022 সালে বিনিয়োগের জন্য সেরা দীর্ঘমেয়াদী বন্ড ফান্ড
- কীভাবে অনলাইনে দীর্ঘমেয়াদী বন্ডে বিনিয়োগ করবেন?
Top 10 Debt - Government Bond Funds
- IDFC Government Securities Fund - Investment Plan
- Invesco India Gilt Fund
- Axis Gilt Fund
- DSP BlackRock Government Securities Fund
- Edelweiss Government Securities Fund
- Aditya Birla Sun Life Government Securities Fund
- Nippon India Gilt Securities Fund
- PGIM India Gilt Fund
- Canara Robeco Gilt Fund
- UTI Gilt Fund
দীর্ঘমেয়াদী ঋণ তহবিল- আপনার কখন বিনিয়োগ করা উচিত?
দীর্ঘমেয়াদী ঋণ তহবিল এক ধরনের ঋণযৌথ পুঁজি যে কর্পোরেট বিনিয়োগবন্ড এবং সরকারী সিকিউরিটিজ (g-sec) যেগুলির একটি দীর্ঘমেয়াদী পরিপক্কতার সময়কাল রয়েছে৷ এই তহবিলের গড় পরিপক্কতা 3 বছরের বেশি, বেশিরভাগ সময়। সেই কারণে, এই তহবিলগুলি বিনিয়োগকারীদের জন্য উপযুক্ত যারা মধ্য থেকে দীর্ঘমেয়াদী করতে চানবিনিয়োগ পরিকল্পনা অর্থাৎ, সাধারণত 3-5 বছর বা তারও বেশি। আসুন বুঝুন কীভাবে দীর্ঘমেয়াদী ঋণ তহবিল কাজ করে এবং 2022-এ বিনিয়োগ করার জন্য সেরা দীর্ঘমেয়াদী বন্ড তহবিলগুলি কী কী।
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দীর্ঘমেয়াদী ঋণ তহবিল- দীর্ঘমেয়াদী বিনিয়োগের জন্য একটি পরিকল্পনা
দীর্ঘমেয়াদী ঋণ তহবিল তাদের প্রধান বিনিয়োগঅন্তর্নিহিত কর্পোরেট ডিবেঞ্চার, বন্ড এবং এর মতো ঋণ উপকরণে সম্পদঅর্থ বাজার উচ্চ পরিপক্কতার মেয়াদ সহ যন্ত্রপাতি এবং সরকারী সিকিউরিটিজ। বিনিয়োগকারীদের দীর্ঘমেয়াদী ঋণ তহবিলে বিনিয়োগ করা উচিত যদি তাদের বিনিয়োগের সময়সীমা 3 বছরের বেশি থাকে। এছাড়াও, এই তহবিলটি শুধুমাত্র সেই বিনিয়োগকারীদের জন্য উপযুক্ত যারা বিনিয়োগে কিছুটা ঝুঁকি নিতে ইচ্ছুক।
দীর্ঘমেয়াদী ঋণ তহবিল সুদের হারের পরিবর্তনের জন্য সংবেদনশীল এবং ঋণ তহবিলের অন্যান্য বিভাগের চেয়ে বেশি উদ্বায়ী। ঋণ যন্ত্রের সুদের হার এবং দামের একটি বিপরীত সম্পর্ক রয়েছে, যার অর্থ হল তারা বিপরীত দিকে চলে। উদাহরণস্বরূপ, একটি পতনশীল সুদের হার ঋণ তহবিল বা বন্ড তহবিলের জন্য ভাল। দীর্ঘ মেয়াদীআয় তহবিল সাধারণত উপকৃত হয় যখন সুদের হার নিচের দিকে চলে যায়। অধিকন্তু, সুদের হার হ্রাসের সময়, বন্ডের দাম বেড়ে যায় এবং এটি বৃদ্ধি পায়এনএভি এরঋণ তহবিল স্কিম
একটি পতনশীল সুদের হারের পরিস্থিতিতে, এই ধরনের বন্ডের গড় পরিপক্কতা প্রায় 7-10 বছর পর্যন্ত যেতে পারে। যখন সুদের হার বেড়ে যায়, তখন তারা কম মেয়াদী সিকিউরিটি স্টক আপ করে এবং পোর্টফোলিওর গড় পরিপক্কতা কম রাখে।
বেশিরভাগ ক্ষেত্রে, দীর্ঘমেয়াদী বন্ড তহবিলে বিনিয়োগ করার পরামর্শ দেওয়া হয় যখন সুদের হার কমার আশা করা হয় কারণ সুদের হার হ্রাস দীর্ঘমেয়াদী সিকিউরিটিজের দাম বৃদ্ধির কারণ হয়। বিনিয়োগকারীরা যারা সুদের হার ওঠানামা করতে স্বাচ্ছন্দ্য বোধ করেনবাজার, শুধুমাত্র পছন্দ করা উচিতবিনিয়োগ দীর্ঘমেয়াদী ঋণ তহবিলে.
রিটার্ন এবং ঝুঁকি
এই তহবিল অতিরিক্ত রিটার্ন দিতে বোঝানো হয়ব্যাংক স্থায়ী আমানত তদ্ব্যতীত, যদি তিন বছরের বেশি সময় ধরে রাখা হয়, তবে রিটার্নগুলি আরও কর দক্ষ। কিন্তু, ঝুঁকির দিক থেকে, এই তহবিলগুলি অস্থির হয়ে উঠতে পারে যখন সুদের হার হঠাৎ করে দিক পরিবর্তন করে। ক্রমবর্ধমান সুদের হারের শাসনে, এই তহবিলগুলি পরিমিত রিটার্ন দেয় কারণ তারা দীর্ঘ তারিখের বন্ড বিক্রি করতে পারে না এবং ছোট মেয়াদী স্ক্রিপ্টগুলিতে স্যুইচ করতে পারে না।
দীর্ঘমেয়াদী ঋণ তহবিল কর
ঋণ তহবিলের উপর ট্যাক্সের প্রভাব নিম্নলিখিত পদ্ধতিতে গণনা করা হয়-
স্বল্পমেয়াদী মূলধন লাভ
যদি একটি ঋণ বিনিয়োগের হোল্ডিং পিরিয়ড 36 মাসের কম হয়, তাহলে এটি একটি স্বল্প-মেয়াদী বিনিয়োগ হিসাবে শ্রেণীবদ্ধ করা হয় এবং এগুলি ব্যক্তির ট্যাক্স স্ল্যাব অনুযায়ী কর দেওয়া হয়।
দীর্ঘমেয়াদী মূলধন লাভ
যদি ঋণ বিনিয়োগের হোল্ডিং পিরিয়ড 36 মাসের বেশি হয়, তবে এটি একটি দীর্ঘমেয়াদী বিনিয়োগ হিসাবে শ্রেণীবদ্ধ করা হয় এবং একটি সূচক সুবিধা সহ 20% হারে কর দেওয়া হয়।
| মূলধন লাভ | বিনিয়োগ হোল্ডিং লাভ | ট্যাক্সেশন |
|---|---|---|
| স্বল্পমেয়াদীমূলধন লাভ | 36 মাসেরও কম | ব্যক্তির ট্যাক্স স্ল্যাব অনুযায়ী |
| দীর্ঘমেয়াদী মূলধন লাভ | 36 মাসেরও বেশি | ইনডেক্সেশন সুবিধা সহ 20% |
দীর্ঘমেয়াদী বন্ড তহবিলে কীভাবে বিনিয়োগ করবেন?
বিনিয়োগকারীরা দুটি উপায়ে বিনিয়োগ করতে পারেন-চুমুক বা একক যোগফল। গড় বিনিয়োগকারীদের জন্য, SIP (সিস্টেমেটিক ইনভেস্টমেন্ট প্ল্যান) হল সবচেয়ে কার্যকর বিকল্প। এটি আপনাকে মাসিক/ত্রৈমাসিক/বার্ষিক বিনিয়োগের একটি পদ্ধতিগত বিকল্প দেয়ভিত্তি. এককভাবে, বিনিয়োগকারীদের স্কিমে এককালীন ডাউন পেমেন্ট হিসাবে যথেষ্ট পরিমাণ বিনিয়োগ করতে হবে। একটি একক পরিমাণের জন্য ন্যূনতম বিনিয়োগের পরিমাণ হল INR 5000, যেখানে একটি SIP-এর জন্য এটি INR 500৷
2022 সালে বিনিয়োগের জন্য সেরা দীর্ঘমেয়াদী বন্ড ফান্ড
Fund NAV Net Assets (Cr) Min Investment Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2023 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity IDFC Government Securities Fund - Investment Plan Growth ₹33.8331
↓ -0.16 ₹3,079 5,000 1,000 1.3 4.8 11.4 5.9 6.8 7% 12Y 29D 28Y 9M Invesco India Gilt Fund Growth ₹2,710.74
↓ -9.90 ₹1,196 5,000 100 1.3 4.7 10.6 6 6.6 7.08% 10Y 4M 10D 23Y 6M 14D Axis Gilt Fund Growth ₹24.2785
↓ -0.07 ₹613 5,000 1,000 1.7 4.9 10.6 6.1 7.1 6.98% 10Y 29D 23Y 7M 6D DSP BlackRock Government Securities Fund Growth ₹91.4088
↓ -0.34 ₹1,418 1,000 500 1.6 4.9 10.6 6.3 7.1 6.89% 11Y 1M 28D 26Y 8M 23D Edelweiss Government Securities Fund Growth ₹23.4619
↓ -0.08 ₹171 5,000 1,000 1.3 4.4 10.4 5.9 6.2 6.93% 8Y 10M 13D 17Y 1M 5D Aditya Birla Sun Life Government Securities Fund Growth ₹77.6058
↓ -0.26 ₹2,259 1,000 1,000 1.3 4.4 9.8 5.7 7.1 6.92% 9Y 11D 18Y 10M 2D Nippon India Gilt Securities Fund Growth ₹36.3633
↓ -0.09 ₹1,986 5,000 100 1.4 4.5 9.5 5.5 6.7 6.95% 9Y 29D 19Y 7M 6D PGIM India Gilt Fund Growth ₹28.8417
↓ -0.08 ₹117 5,000 1,000 1.4 4.5 9.4 5.5 6.6 6.94% 8Y 11M 12D 19Y 6M 22D Canara Robeco Gilt Fund Growth ₹72.153
↓ -0.25 ₹121 5,000 1,000 1.3 4.3 9.3 5.6 6.5 6.91% 8Y 9M 5D 21Y 7M 9D UTI Gilt Fund Growth ₹59.7238
↓ -0.18 ₹663 5,000 500 1.2 4.1 9.2 5.7 6.7 6.87% 7Y 6M 22D 14Y 11M 12D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Nov 24
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 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 (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 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 The investment objective of the Scheme is to generate income through investment in Securities of various maturities issued and/or created by the Central Government and State Governments of India. However, there can be no assurance that the investment objectives of the Scheme will be realized Edelweiss Government Securities Fund is a Debt - Government Bond fund was launched on 13 Feb 14. It is a fund with Moderate risk and has given a Below is the key information for Edelweiss Government 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. 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 Below is the key information for Aditya Birla Sun Life Government Securities 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. 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 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 (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 1. IDFC Government Securities Fund - Investment Plan
CAGR/Annualized return of 7.9% since its launch. Ranked 14 in Government Bond category. Return for 2023 was 6.8% , 2022 was 1.4% and 2021 was 2.1% . IDFC Government Securities Fund - Investment Plan
Growth Launch Date 3 Dec 08 NAV (14 Nov 24) ₹33.8331 ↓ -0.16 (-0.46 %) Net Assets (Cr) ₹3,079 on 30 Sep 24 Category Debt - Government Bond AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.19 Sharpe Ratio 1.41 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7% Effective Maturity 28 Years 9 Months Modified Duration 12 Years 29 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹11,355 31 Oct 21 ₹11,658 31 Oct 22 ₹11,710 31 Oct 23 ₹12,387 31 Oct 24 ₹13,967 Returns for IDFC Government Securities Fund - Investment Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Nov 24 Duration Returns 1 Month -0.7% 3 Month 1.3% 6 Month 4.8% 1 Year 11.4% 3 Year 5.9% 5 Year 6.9% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 16.5% Fund Manager information for IDFC Government Securities Fund - Investment Plan
Name Since Tenure Suyash Choudhary 15 Oct 10 14.05 Yr. Brijesh Shah 10 Jun 24 0.39 Yr. Data below for IDFC Government Securities Fund - Investment Plan as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 1.9% Debt 98.1% Debt Sector Allocation
Sector Value Government 98.1% Cash Equivalent 1.9% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.30 Goi 19062053
Sovereign Bonds | -98% ₹3,021 Cr 287,500,000
↑ 18,400,000 7.17% Govt Stock 08012028
Sovereign Bonds | -0% ₹0 Cr 6,300 Net Current Assets
Net Current Assets | -2% ₹56 Cr Triparty Repo Trp_011024
CBLO/Reverse Repo | -0% ₹2 Cr Cash Margin - Ccil
CBLO/Reverse Repo | -0% ₹0 Cr 2. Invesco India Gilt Fund
CAGR/Annualized return of 6.1% since its launch. Ranked 10 in Government Bond category. Return for 2023 was 6.6% , 2022 was 2.3% and 2021 was 0.7% . Invesco India Gilt Fund
Growth Launch Date 9 Feb 08 NAV (14 Nov 24) ₹2,710.74 ↓ -9.90 (-0.36 %) Net Assets (Cr) ₹1,196 on 30 Sep 24 Category Debt - Government Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.2 Sharpe Ratio 1.56 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.08% Effective Maturity 23 Years 6 Months 14 Days Modified Duration 10 Years 4 Months 10 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹10,776 31 Oct 21 ₹10,841 31 Oct 22 ₹11,035 31 Oct 23 ₹11,660 31 Oct 24 ₹13,020 Returns for Invesco India Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Nov 24 Duration Returns 1 Month -0.6% 3 Month 1.3% 6 Month 4.7% 1 Year 10.6% 3 Year 6% 5 Year 5.4% 10 Year 15 Year Since launch 6.1% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 17% Fund Manager information for Invesco India Gilt Fund
Name Since Tenure Krishna Cheemalapati 27 Jul 21 3.27 Yr. Vikas Garg 26 Sep 20 4.1 Yr. Data below for Invesco India Gilt Fund as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 2.82% Debt 97.18% Debt Sector Allocation
Sector Value Government 97.18% Cash Equivalent 2.82% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.30 Goi 19062053
Sovereign Bonds | -25% ₹314 Cr 30,000,000 07.09 Goi 05082054
Sovereign Bonds | -23% ₹285 Cr 27,900,200
↑ 2,000,000 7.34% Govt Stock 2064
Sovereign Bonds | -16% ₹195 Cr 18,500,000
↑ 3,500,000 7.23% Goi 15/04/2039
Sovereign Bonds | -15% ₹192 Cr 18,500,000
↓ -3,500,000 07.18 Goi 24072037
Sovereign Bonds | -9% ₹118 Cr 11,500,000 7.46% Govt Stock 2073
Sovereign Bonds | -5% ₹64 Cr 6,000,000 7.10%Goi 08/04/2034
Sovereign Bonds | -4% ₹46 Cr 4,500,000
↑ 4,500,000 6.79 Goi 2034
Sovereign Bonds | -0% ₹0 Cr 12,900
↑ 12,900 Triparty Repo
CBLO/Reverse Repo | -2% ₹19 Cr Net Receivables / (Payables)
Net Current Assets | -1% ₹16 Cr 3. Axis Gilt Fund
CAGR/Annualized return of 7.2% since its launch. Ranked 16 in Government Bond category. Return for 2023 was 7.1% , 2022 was 2.4% and 2021 was 2.4% . Axis Gilt Fund
Growth Launch Date 23 Jan 12 NAV (14 Nov 24) ₹24.2785 ↓ -0.07 (-0.29 %) Net Assets (Cr) ₹613 on 30 Sep 24 Category Debt - Government Bond AMC Axis Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 0.79 Sharpe Ratio 1.84 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.98% Effective Maturity 23 Years 7 Months 6 Days Modified Duration 10 Years 29 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹11,269 31 Oct 21 ₹11,609 31 Oct 22 ₹11,827 31 Oct 23 ₹12,488 31 Oct 24 ₹13,917 Returns for Axis Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Nov 24 Duration Returns 1 Month -0.4% 3 Month 1.7% 6 Month 4.9% 1 Year 10.6% 3 Year 6.1% 5 Year 6.8% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 15% Fund Manager information for Axis Gilt Fund
Name Since Tenure Devang Shah 5 Nov 12 11.99 Yr. Sachin Jain 1 Feb 23 1.75 Yr. Data below for Axis Gilt Fund as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 13.06% Debt 86.94% Debt Sector Allocation
Sector Value Government 86.94% Cash Equivalent 13.06% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -31% ₹210 Cr 20,000,000
↑ 11,000,000 7.10%Goi 08/04/2034
Sovereign Bonds | -19% ₹128 Cr 12,500,000
↑ 3,000,000 7.30 Goi 19062053
Sovereign Bonds | -14% ₹94 Cr 9,000,000
↓ -7,500,000 07.18 Goi 14082033
Sovereign Bonds | -10% ₹70 Cr 6,800,000
↑ 6,000,000 7.23% Goi 15/04/2039
Sovereign Bonds | -7% ₹44 Cr 4,200,000
↓ -6,000,000 7.25% Govt Stock 2063
Sovereign Bonds | -2% ₹16 Cr 1,500,000 Maharashtra (Government of) 7.45%
- | -2% ₹11 Cr 1,083,700 07.18 Goi 24072037
Sovereign Bonds | -1% ₹7 Cr 700,000 7.39 CG Sdl 2033
Sovereign Bonds | -0% ₹2 Cr 235,700 Net Receivables / (Payables)
CBLO | -9% ₹63 Cr 4. DSP BlackRock Government Securities Fund
CAGR/Annualized return of 9.2% since its launch. Ranked 9 in Government Bond category. Return for 2023 was 7.1% , 2022 was 2.7% and 2021 was 3.1% . DSP BlackRock Government Securities Fund
Growth Launch Date 30 Sep 99 NAV (14 Nov 24) ₹91.4088 ↓ -0.34 (-0.37 %) Net Assets (Cr) ₹1,418 on 30 Sep 24 Category Debt - Government Bond AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk Moderate Expense Ratio 1.1 Sharpe Ratio 1.42 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 6.89% Effective Maturity 26 Years 8 Months 23 Days Modified Duration 11 Years 1 Month 28 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹11,277 31 Oct 21 ₹11,672 31 Oct 22 ₹11,885 31 Oct 23 ₹12,633 31 Oct 24 ₹14,110 Returns for DSP BlackRock Government Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Nov 24 Duration Returns 1 Month -0.5% 3 Month 1.6% 6 Month 4.9% 1 Year 10.6% 3 Year 6.3% 5 Year 7.1% 10 Year 15 Year Since launch 9.2% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 15% Fund Manager information for DSP BlackRock Government Securities Fund
Name Since Tenure Sandeep Yadav 1 Aug 24 0.25 Yr. Shantanu Godambe 1 Jun 23 1.42 Yr. Data below for DSP BlackRock Government Securities Fund as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 0.9% Debt 99.1% Debt Sector Allocation
Sector Value Government 99.1% Cash Equivalent 0.9% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -35% ₹534 Cr 51,000,000
↑ 8,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -20% ₹315 Cr 29,500,000
↓ -7,000,000 7.12% State Government Of Maharashtra 2043
Sovereign Bonds | -13% ₹201 Cr 20,000,000 7.14% Madhya Pradesh SDL 2043
Sovereign Bonds | -8% ₹126 Cr 12,500,000 7.09% Govt Stock 2054
Sovereign Bonds | -7% ₹113 Cr 11,000,000
↑ 2,500,000 7.26% Maharashtra SDL 2050
Sovereign Bonds | -7% ₹102 Cr 10,000,000 7.46% Govt Stock 2073
Sovereign Bonds | -4% ₹55 Cr 5,000,000 7.85% MP Sdl 2032
Sovereign Bonds | -3% ₹54 Cr 5,000,000 7.22% Maharashtra SDL 2049
Sovereign Bonds | -1% ₹15 Cr 1,500,000 6.76% Govt Stock 2061
Sovereign Bonds | -1% ₹10 Cr 1,000,000 5. Edelweiss Government Securities Fund
CAGR/Annualized return of 8.3% since its launch. Ranked 18 in Government Bond category. Return for 2023 was 6.2% , 2022 was 2.5% and 2021 was 4.1% . Edelweiss Government Securities Fund
Growth Launch Date 13 Feb 14 NAV (14 Nov 24) ₹23.4619 ↓ -0.08 (-0.33 %) Net Assets (Cr) ₹171 on 30 Sep 24 Category Debt - Government Bond AMC Edelweiss Asset Management Limited Rating ☆☆ Risk Moderate Expense Ratio 1.21 Sharpe Ratio 1.44 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-12 Months (1%),12 Months and above(NIL) Yield to Maturity 6.93% Effective Maturity 17 Years 1 Month 5 Days Modified Duration 8 Years 10 Months 13 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹11,201 31 Oct 21 ₹11,791 31 Oct 22 ₹11,959 31 Oct 23 ₹12,621 31 Oct 24 ₹14,055 Returns for Edelweiss Government Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Nov 24 Duration Returns 1 Month -0.4% 3 Month 1.3% 6 Month 4.4% 1 Year 10.4% 3 Year 5.9% 5 Year 7.1% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.2% 2022 2.5% 2021 4.1% 2020 13.6% 2019 10.7% 2018 6.8% 2017 4.2% 2016 12.5% 2015 5.8% 2014 Fund Manager information for Edelweiss Government Securities Fund
Name Since Tenure Rahul Dedhia 23 Nov 21 2.94 Yr. Hetul Raval 1 Jul 24 0.34 Yr. Data below for Edelweiss Government Securities Fund as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 16.92% Debt 83.08% Debt Sector Allocation
Sector Value Government 83.08% Cash Equivalent 16.92% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.3% Govt Stock 2053
Sovereign Bonds | -42% ₹83 Cr 8,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -26% ₹51 Cr 5,000,000 7.18% Govt Stock 2037
Sovereign Bonds | -15% ₹31 Cr 3,000,000 08.38 GJ Sdl 2029
Sovereign Bonds | -0% ₹0 Cr 9,100 Clearing Corporation Of India Ltd.
CBLO/Reverse Repo | -15% ₹31 Cr Accrued Interest
CBLO | -1% ₹3 Cr Net Receivables/(Payables)
CBLO/Reverse Repo | -0% ₹0 Cr 07.18 Goi 14082033
Sovereign Bonds | -₹0 Cr 00
↓ -3,000,000 6. Aditya Birla Sun Life Government Securities Fund
CAGR/Annualized return of 8.5% since its launch. Ranked 4 in Government Bond category. Return for 2023 was 7.1% , 2022 was 1.7% and 2021 was 3.6% . Aditya Birla Sun Life Government Securities Fund
Growth Launch Date 12 Oct 99 NAV (14 Nov 24) ₹77.6058 ↓ -0.26 (-0.34 %) Net Assets (Cr) ₹2,259 on 15 Oct 24 Category Debt - Government Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.05 Sharpe Ratio 1.39 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 6.92% Effective Maturity 18 Years 10 Months 2 Days Modified Duration 9 Years 11 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹11,160 31 Oct 21 ₹11,582 31 Oct 22 ₹11,705 31 Oct 23 ₹12,426 31 Oct 24 ₹13,762 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 Nov 24 Duration Returns 1 Month -0.5% 3 Month 1.3% 6 Month 4.4% 1 Year 9.8% 3 Year 5.7% 5 Year 6.5% 10 Year 15 Year Since launch 8.5% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.1% 2022 1.7% 2021 3.6% 2020 12.1% 2019 11% 2018 6.9% 2017 4.4% 2016 16.7% 2015 5.7% 2014 19.9% Fund Manager information for Aditya Birla Sun Life Government Securities Fund
Name Since Tenure Bhupesh Bameta 6 Aug 20 4.24 Yr. Dhaval Joshi 21 Nov 22 1.95 Yr. Data below for Aditya Birla Sun Life Government Securities Fund as on 15 Oct 24
Asset Allocation
Asset Class Value Cash 3.69% Debt 96.31% Debt Sector Allocation
Sector Value Government 96.31% Cash Equivalent 3.69% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.30 Goi 19062053
Sovereign Bonds | -50% ₹1,123 Cr 107,179,750 07.18 Goi 14082033
Sovereign Bonds | -26% ₹585 Cr 57,000,000
↑ 6,500,000 7.26% Govt Stock 2033
Sovereign Bonds | -13% ₹283 Cr 27,525,000 07.18 Goi 24072037
Sovereign Bonds | -6% ₹133 Cr 12,923,050
↑ 5,000,000 7.10%Goi 08/04/2034
Sovereign Bonds | -2% ₹51 Cr 5,000,000
↑ 5,000,000 5.63% Govt Stock 2026
Sovereign Bonds | -0% ₹1 Cr 65,000 Net Receivables / (Payables)
Net Current Assets | -2% ₹52 Cr Clearing Corporation Of India Limited
CBLO/Reverse Repo | -1% ₹31 Cr 7. Nippon India Gilt Securities Fund
CAGR/Annualized return of 8.3% since its launch. Ranked 2 in Government Bond category. Return for 2023 was 6.7% , 2022 was 2.1% and 2021 was 1.8% . Nippon India Gilt Securities Fund
Growth Launch Date 22 Aug 08 NAV (14 Nov 24) ₹36.3633 ↓ -0.09 (-0.25 %) Net Assets (Cr) ₹1,986 on 30 Sep 24 Category Debt - Government Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.42 Sharpe Ratio 1.31 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 6.95% Effective Maturity 19 Years 7 Months 6 Days Modified Duration 9 Years 29 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹11,104 31 Oct 21 ₹11,388 31 Oct 22 ₹11,495 31 Oct 23 ₹12,181 31 Oct 24 ₹13,443 Returns for Nippon India Gilt Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Nov 24 Duration Returns 1 Month -0.4% 3 Month 1.4% 6 Month 4.5% 1 Year 9.5% 3 Year 5.5% 5 Year 6.1% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 18.6% Fund Manager information for Nippon India Gilt Securities Fund
Name Since Tenure Pranay Sinha 31 Mar 21 3.59 Yr. Kinjal Desai 31 Oct 21 3.01 Yr. Data below for Nippon India Gilt Securities Fund as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 1.9% Debt 98.1% Debt Sector Allocation
Sector Value Government 98.1% Cash Equivalent 1.9% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -16% ₹346 Cr 34,000,000
↓ -2,500,000 7.34% Govt Stock 2064
Sovereign Bonds | -13% ₹282 Cr 27,000,000
↑ 3,500,000 7.3% Govt Stock 2053
Sovereign Bonds | -11% ₹239 Cr 23,000,000 7.09% Govt Stock 2054
Sovereign Bonds | -8% ₹177 Cr 17,500,000
↑ 9,000,000 7.18% Govt Stock 2033
Sovereign Bonds | -8% ₹168 Cr 16,500,000
↑ 3,500,000 6.79% Govt Stock 2034
Sovereign Bonds | -8% ₹165 Cr 16,500,000
↑ 9,000,000 7.25% Govt Stock 2063
Sovereign Bonds | -7% ₹145 Cr 14,000,000 7.26% Govt Stock 2033
Sovereign Bonds | -6% ₹134 Cr 13,065,600
↑ 500,000 7.18% Govt Stock 2037
Sovereign Bonds | -6% ₹133 Cr 12,965,200
↓ -5,000,000 6.8% Govt Stock 2060
Sovereign Bonds | -3% ₹58 Cr 6,000,000 8. PGIM India Gilt Fund
CAGR/Annualized return of 6.8% since its launch. Ranked 15 in Government Bond category. Return for 2023 was 6.6% , 2022 was 1.8% and 2021 was 2.9% . PGIM India Gilt Fund
Growth Launch Date 27 Oct 08 NAV (14 Nov 24) ₹28.8417 ↓ -0.08 (-0.28 %) Net Assets (Cr) ₹117 on 15 Oct 24 Category Debt - Government Bond AMC Pramerica Asset Managers Private Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.46 Sharpe Ratio 1.2 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.94% Effective Maturity 19 Years 6 Months 22 Days Modified Duration 8 Years 11 Months 12 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹10,945 31 Oct 21 ₹11,300 31 Oct 22 ₹11,412 31 Oct 23 ₹12,072 31 Oct 24 ₹13,297 Returns for PGIM India Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Nov 24 Duration Returns 1 Month -0.4% 3 Month 1.4% 6 Month 4.5% 1 Year 9.4% 3 Year 5.5% 5 Year 5.8% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 14.5% Fund Manager information for PGIM India Gilt Fund
Name Since Tenure Bhupesh Kalyani 13 Sep 22 2.13 Yr. Puneet Pal 13 Dec 17 6.89 Yr. Data below for PGIM India Gilt Fund as on 15 Oct 24
Asset Allocation
Asset Class Value Cash 10.43% Debt 89.57% Debt Sector Allocation
Sector Value Government 89.57% Cash Equivalent 10.43% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.30 Goi 19062053
Sovereign Bonds | -27% ₹32 Cr 3,041,667
↓ -1,000,000 07.09 Goi 05082054
Sovereign Bonds | -15% ₹18 Cr 1,752,080
↓ -317,970 7.23% Goi 15/04/2039
Sovereign Bonds | -14% ₹17 Cr 1,625,000
↑ 1,225,000 7.10%Goi 08/04/2034
Sovereign Bonds | -13% ₹15 Cr 1,500,000
↑ 1,400,000 07.18 Goi 24072037
Sovereign Bonds | -9% ₹11 Cr 1,078,895 7.26% Govt Stock 2033
Sovereign Bonds | -3% ₹4 Cr 352,063 07.18 Goi 14082033
Sovereign Bonds | -3% ₹3 Cr 334,000
↓ -1,000,000 8.28% Govt Stock 2027
Sovereign Bonds | -2% ₹3 Cr 270,000 7.26 Govt Stock 22082032
Sovereign Bonds | -1% ₹1 Cr 75,000 7.41% Govt Stock 2036
Sovereign Bonds | -0% ₹1 Cr 53,334 9. Canara Robeco Gilt Fund
CAGR/Annualized return of 8.3% since its launch. Ranked 6 in Government Bond category. Return for 2023 was 6.5% , 2022 was 2.3% and 2021 was 1.8% . Canara Robeco Gilt Fund
Growth Launch Date 29 Dec 99 NAV (14 Nov 24) ₹72.153 ↓ -0.25 (-0.34 %) Net Assets (Cr) ₹121 on 30 Sep 24 Category Debt - Government Bond AMC Canara Robeco Asset Management Co. Ltd. Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.24 Sharpe Ratio 1.34 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.91% Effective Maturity 21 Years 7 Months 9 Days Modified Duration 8 Years 9 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹10,974 31 Oct 21 ₹11,219 31 Oct 22 ₹11,364 31 Oct 23 ₹12,026 31 Oct 24 ₹13,260 Returns for Canara Robeco Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Nov 24 Duration Returns 1 Month -0.5% 3 Month 1.3% 6 Month 4.3% 1 Year 9.3% 3 Year 5.6% 5 Year 5.7% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 16.7% Fund Manager information for Canara Robeco Gilt Fund
Name Since Tenure Avnish Jain 1 Apr 22 2.59 Yr. Kunal Jain 18 Jul 22 2.29 Yr. Data below for Canara Robeco Gilt Fund as on 30 Sep 24
Asset Allocation
Asset Class Value Cash 5.6% Debt 94.4% Debt Sector Allocation
Sector Value Government 94.4% Cash Equivalent 5.6% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -40% ₹48 Cr 4,600,000 7.30 Goi 19062053
Sovereign Bonds | -20% ₹24 Cr 2,350,000 07.18 Goi 24072037
Sovereign Bonds | -14% ₹17 Cr 1,678,600 7.23% Goi 15/04/2039
Sovereign Bonds | -9% ₹10 Cr 1,000,000 6.79 Goi 2034
Sovereign Bonds | -8% ₹10 Cr 1,000,000
↑ 1,000,000 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 7.10%Goi 08/04/2034
Sovereign Bonds | -0% ₹0 Cr 7,950 Treps
CBLO/Reverse Repo | -4% ₹5 Cr 10. UTI Gilt Fund
CAGR/Annualized return of 8.1% since its launch. Ranked 7 in Government Bond category. Return for 2023 was 6.7% , 2022 was 2.9% and 2021 was 2.3% . UTI Gilt Fund
Growth Launch Date 21 Jan 02 NAV (14 Nov 24) ₹59.7238 ↓ -0.18 (-0.30 %) Net Assets (Cr) ₹663 on 15 Oct 24 Category Debt - Government Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.92 Sharpe Ratio 1.09 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.87% Effective Maturity 14 Years 11 Months 12 Days Modified Duration 7 Years 6 Months 22 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹11,008 31 Oct 21 ₹11,320 31 Oct 22 ₹11,516 31 Oct 23 ₹12,204 31 Oct 24 ₹13,426 Returns for UTI Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Nov 24 Duration Returns 1 Month -0.4% 3 Month 1.2% 6 Month 4.1% 1 Year 9.2% 3 Year 5.7% 5 Year 6% 10 Year 15 Year Since launch 8.1% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 19.8% Fund Manager information for UTI Gilt Fund
Name Since Tenure Sudhir Agarwal 1 Dec 21 2.92 Yr. Data below for UTI Gilt Fund as on 15 Oct 24
Asset Allocation
Asset Class Value Cash 3.83% Debt 96.17% Debt Sector Allocation
Sector Value Government 96.17% Cash Equivalent 3.83% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -22% ₹148 Cr 1,450,000,000 7.34% Govt Stock 2064
Sovereign Bonds | -18% ₹120 Cr 1,150,000,000 7.23% Govt Stock 2039
Sovereign Bonds | -16% ₹103 Cr 1,000,000,000
↑ 1,000,000,000 7.18% Govt Stock 2037
Sovereign Bonds | -12% ₹82 Cr 800,000,000
↓ -1,000,000,000 7.09% Govt Stock 2054
Sovereign Bonds | -8% ₹56 Cr 550,000,000 7.04% Govt Stock 2029
Sovereign Bonds | -8% ₹51 Cr 500,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -7% ₹47 Cr 450,000,000 7.46% Govt Stock 2073
Sovereign Bonds | -5% ₹32 Cr 300,000,000 Net Current Assets
Net Current Assets | -4% ₹23 Cr Clearing Corporation Of India Ltd. Std - Margin
CBLO/Reverse Repo | -0% ₹2 Cr 00
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