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- 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
- Axis Gilt Fund
- DSP BlackRock Government Securities Fund
- IDFC Government Securities Fund - Investment Plan
- Invesco India Gilt Fund
- SBI Magnum Gilt Fund
- Aditya Birla Sun Life Government Securities Fund
- HDFC Gilt Fund
- Kotak Gilt Investment Fund - Provident Fund & Trust Plan
- Kotak Gilt Investment Fund - Regular Investment Plan
- Edelweiss Government Securities 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 Axis Gilt Fund Growth ₹25.8808
↑ 0.03 ₹868 5,000 1,000 4.8 6.3 13 8.4 10 7% 10Y 2M 16D 25Y 1M 17D DSP BlackRock Government Securities Fund Growth ₹97.3127
↑ 0.14 ₹1,566 1,000 500 4.9 5.9 12.9 8.6 10.1 7.04% 11Y 6M 29Y 2M 26D IDFC Government Securities Fund - Investment Plan Growth ₹35.8724
↑ 0.07 ₹3,542 5,000 1,000 4.7 5.4 12.6 8.1 10.6 7.24% 11Y 10M 17D 28Y 3M 18D Invesco India Gilt Fund Growth ₹2,880.34
↑ 3.76 ₹953 5,000 100 4.8 5.8 12.4 8.2 10 6.96% 11Y 11D 26Y 10M 2D SBI Magnum Gilt Fund Growth ₹66.8899
↑ 0.06 ₹11,489 5,000 500 4.8 6 12.2 8.8 8.9 6.97% 10Y 2M 1D 24Y 14D Aditya Birla Sun Life Government Securities Fund Growth ₹82.4791
↑ 0.12 ₹1,972 1,000 1,000 4.8 5.9 12 7.9 9.1 7.01% 11Y 8M 26D 29Y 11M 16D HDFC Gilt Fund Growth ₹55.84
↑ 0.02 ₹2,907 5,000 300 4.5 6 12 8 8.7 6.85% 8Y 4M 13D 16Y 11M 26D Kotak Gilt Investment Fund - Provident Fund & Trust Plan Growth ₹100.22
↑ 0.15 ₹3,934 5,000 1,000 4.6 5.6 11.9 8 8.3 7.01% 11Y 7M 28D 28Y 7M 28D Kotak Gilt Investment Fund - Regular Investment Plan Growth ₹97.9603
↑ 0.15 ₹3,934 5,000 1,000 4.6 5.6 11.9 8 8.3 7.01% 11Y 7M 28D 28Y 7M 28D Edelweiss Government Securities Fund Growth ₹24.9004
↑ 0.03 ₹171 5,000 1,000 4.5 5.8 11.8 8 9.8 6.99% 11Y 1M 20D 30Y 10M 28D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Apr 25
(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 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 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 (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 (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 To generate risk-free returns through investments in sovereign securities issued by the Central Government and/or a State Government and/or reverse repos in such securities. Kotak Gilt Investment Fund - Provident Fund & Trust Plan is a Debt - Government Bond fund was launched on 11 Nov 03. It is a fund with Moderate risk and has given a Below is the key information for Kotak Gilt Investment Fund - Provident Fund & Trust Plan Returns up to 1 year are on To generate risk-free returns through investments in sovereign securities issued by the Central Government and/or a State Government and/or reverse repos in such securities. Kotak Gilt Investment Fund - Regular Investment Plan is a Debt - Government Bond fund was launched on 29 Dec 98. It is a fund with Moderate risk and has given a Below is the key information for Kotak Gilt Investment Fund - Regular Investment Plan 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 1. 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 (23 Apr 25) ₹25.8808 ↑ 0.03 (0.13 %) Net Assets (Cr) ₹868 on 31 Mar 25 Category Debt - Government Bond AMC Axis Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 0.79 Sharpe Ratio 0.83 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7% Effective Maturity 25 Years 1 Month 17 Days Modified Duration 10 Years 2 Months 16 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,827 31 Mar 22 ₹11,194 31 Mar 23 ₹11,592 31 Mar 24 ₹12,613 31 Mar 25 ₹13,841 Returns for Axis Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Apr 25 Duration Returns 1 Month 3.2% 3 Month 4.8% 6 Month 6.3% 1 Year 13% 3 Year 8.4% 5 Year 6.5% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2023 10% 2022 7.1% 2021 2.4% 2020 2.4% 2019 13.1% 2018 12% 2017 5.3% 2016 1.4% 2015 13.7% 2014 6.3% Fund Manager information for Axis Gilt Fund
Name Since Tenure Devang Shah 5 Nov 12 12.33 Yr. Sachin Jain 1 Feb 23 2.08 Yr. Data below for Axis Gilt Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 2.92% Debt 97.08% Debt Sector Allocation
Sector Value Government 97.08% Cash Equivalent 2.92% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -25% ₹226 Cr 21,794,700
↑ 2,500,000 7.09% Govt Stock 2054
Sovereign Bonds | -19% ₹176 Cr 17,500,000
↓ -5,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -17% ₹153 Cr 15,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -8% ₹78 Cr 7,500,000 Maharashtra (Government of) 7.13%
- | -5% ₹50 Cr 5,000,000
↑ 5,000,000 6.79% Government Of India (07/10/2034)
Sovereign Bonds | -5% ₹45 Cr 4,500,000
↓ -5,000,000 State Government Securities (27/02/2038)
Sovereign Bonds | -5% ₹45 Cr 4,500,000
↑ 2,000,000 6.92% Govt Stock 2039
Sovereign Bonds | -5% ₹42 Cr 4,200,000 Maharashtra (Government of) 7.18%
- | -3% ₹30 Cr 3,000,000
↑ 3,000,000 7.17% Rajasthan State Development Loans (27/02/2035)
Sovereign Bonds | -3% ₹25 Cr 2,500,000 2. 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 (23 Apr 25) ₹97.3127 ↑ 0.14 (0.15 %) Net Assets (Cr) ₹1,566 on 31 Mar 25 Category Debt - Government Bond AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk Moderate Expense Ratio 1.1 Sharpe Ratio 0.52 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 7.04% Effective Maturity 29 Years 2 Months 26 Days Modified Duration 11 Years 6 Months Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,730 31 Mar 22 ₹11,166 31 Mar 23 ₹11,651 31 Mar 24 ₹12,744 31 Mar 25 ₹13,899 Returns for DSP BlackRock Government Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Apr 25 Duration Returns 1 Month 3.4% 3 Month 4.9% 6 Month 5.9% 1 Year 12.9% 3 Year 8.6% 5 Year 6.8% 10 Year 15 Year Since launch 9.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 10.1% 2022 7.1% 2021 2.7% 2020 3.1% 2019 13.1% 2018 12.5% 2017 7.4% 2016 1.4% 2015 15.3% 2014 6.2% Fund Manager information for DSP BlackRock Government Securities Fund
Name Since Tenure Sandeep Yadav 1 Aug 24 0.58 Yr. Shantanu Godambe 1 Jun 23 1.75 Yr. Data below for DSP BlackRock Government Securities Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 3.77% Debt 96.23% Debt Sector Allocation
Sector Value Government 96.23% Cash Equivalent 3.77% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -34% ₹555 Cr 52,000,000
↓ -3,500,000 7.3% Govt Stock 2053
Sovereign Bonds | -29% ₹473 Cr 45,000,000
↓ -3,000,000 7.09% Govt Stock 2054
Sovereign Bonds | -7% ₹112 Cr 11,000,000
↓ -4,000,000 7.14% Madhya Pradesh SDL 2043
Sovereign Bonds | -6% ₹103 Cr 10,000,000 7.26% Maharashtra SDL 2050
Sovereign Bonds | -6% ₹101 Cr 10,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -5% ₹90 Cr 8,500,000
↑ 8,500,000 8.17% Govt Stock 2044
Sovereign Bonds | -4% ₹58 Cr 5,000,000 7.14% Maharashtra SDL 2039
Sovereign Bonds | -3% ₹50 Cr 5,000,000 7.85% MP Sdl 2032
Sovereign Bonds | -2% ₹27 Cr 2,500,000 7.22% Maharashtra SDL 2049
Sovereign Bonds | -1% ₹15 Cr 1,500,000 3. 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 (23 Apr 25) ₹35.8724 ↑ 0.07 (0.19 %) Net Assets (Cr) ₹3,542 on 31 Mar 25 Category Debt - Government Bond AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.19 Sharpe Ratio 0.39 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.24% Effective Maturity 28 Years 3 Months 18 Days Modified Duration 11 Years 10 Months 17 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,730 31 Mar 22 ₹11,249 31 Mar 23 ₹11,518 31 Mar 24 ₹12,597 31 Mar 25 ₹13,698 Returns for IDFC Government Securities Fund - Investment Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Apr 25 Duration Returns 1 Month 3.1% 3 Month 4.7% 6 Month 5.4% 1 Year 12.6% 3 Year 8.1% 5 Year 6.4% 10 Year 15 Year Since launch 8.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 10.6% 2022 6.8% 2021 1.4% 2020 2.1% 2019 13.7% 2018 13.3% 2017 7.8% 2016 3.1% 2015 13.9% 2014 6% Fund Manager information for IDFC Government Securities Fund - Investment Plan
Name Since Tenure Suyash Choudhary 15 Oct 10 14.39 Yr. Brijesh Shah 10 Jun 24 0.72 Yr. Data below for IDFC Government Securities Fund - Investment Plan as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 1.72% Debt 98.28% Debt Sector Allocation
Sector Value Government 98.28% Cash Equivalent 1.72% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.3% Govt Stock 2053
Sovereign Bonds | -98% ₹3,508 Cr 339,400,000
↓ -3,000,000 7.17% Govt Stock 2028
Sovereign Bonds | -0% ₹0 Cr 6,300 Net Current Assets
Net Current Assets | -2% ₹58 Cr Cblo Trp_170325
CBLO/Reverse Repo | -0% ₹3 Cr Cash Margin - Ccil
CBLO/Reverse Repo | -0% ₹0 Cr 4. 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 (23 Apr 25) ₹2,880.34 ↑ 3.76 (0.13 %) Net Assets (Cr) ₹953 on 31 Mar 25 Category Debt - Government Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.2 Sharpe Ratio 0.44 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 6.96% Effective Maturity 26 Years 10 Months 2 Days Modified Duration 11 Years 11 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,400 31 Mar 22 ₹10,544 31 Mar 23 ₹11,002 31 Mar 24 ₹12,019 31 Mar 25 ₹13,067 Returns for Invesco India Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Apr 25 Duration Returns 1 Month 3.2% 3 Month 4.8% 6 Month 5.8% 1 Year 12.4% 3 Year 8.2% 5 Year 5.6% 10 Year 15 Year Since launch 6.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 10% 2022 6.6% 2021 2.3% 2020 0.7% 2019 8.2% 2018 9.6% 2017 6.2% 2016 1.2% 2015 16.6% 2014 4.2% Fund Manager information for Invesco India Gilt Fund
Name Since Tenure Krishna Cheemalapati 27 Jul 21 3.6 Yr. Vikas Garg 26 Sep 20 4.43 Yr. Data below for Invesco India Gilt Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 5.36% Debt 94.64% Debt Sector Allocation
Sector Value Government 94.64% Cash Equivalent 5.36% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -33% ₹338 Cr 32,531,000
↓ -7,500,000 7.09% Govt Stock 2054
Sovereign Bonds | -33% ₹337 Cr 33,500,000 6.79% Government Of India (07/10/2034)
Sovereign Bonds | -11% ₹116 Cr 11,512,900
↓ -4,500,000 7.09% Govt Stock 2074
Sovereign Bonds | -10% ₹106 Cr 10,500,000
↓ -500,000 6.92% Govt Stock 2039
Sovereign Bonds | -7% ₹71 Cr 7,000,000
↑ 5,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -1% ₹10 Cr 1,000,000 Triparty Repo
CBLO/Reverse Repo | -3% ₹28 Cr Net Receivables / (Payables)
CBLO | -3% ₹27 Cr 7.18% Govt Stock 2037
Sovereign Bonds | -₹0 Cr 00
↓ -4,500,000 7.23% Govt Stock 2039
Sovereign Bonds | -₹0 Cr 00
↓ -4,000,000 5. 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 (23 Apr 25) ₹66.8899 ↑ 0.06 (0.09 %) Net Assets (Cr) ₹11,489 on 31 Mar 25 Category Debt - Government Bond AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.94 Sharpe Ratio 0.61 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.97% Effective Maturity 24 Years 14 Days Modified Duration 10 Years 2 Months 1 Day Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,724 31 Mar 22 ₹11,112 31 Mar 23 ₹11,744 31 Mar 24 ₹12,773 31 Mar 25 ₹13,915 Returns for SBI Magnum Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Apr 25 Duration Returns 1 Month 3.2% 3 Month 4.8% 6 Month 6% 1 Year 12.2% 3 Year 8.8% 5 Year 6.8% 10 Year 15 Year Since launch 8.1% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 7.3% Fund Manager information for SBI Magnum Gilt Fund
Name Since Tenure Rajeev Radhakrishnan 1 Nov 23 1.33 Yr. Tejas Soman 1 Dec 23 1.25 Yr. Data below for SBI Magnum Gilt Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 10.5% Debt 89.5% Debt Sector Allocation
Sector Value Government 89.5% Cash Equivalent 10.5% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -37% ₹4,219 Cr 406,500,000
↓ -7,500,000 6.79% Government Of India (07/10/2034)
Sovereign Bonds | -36% ₹4,009 Cr 398,326,400
↑ 27,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -10% ₹1,096 Cr 106,000,000
↓ -5,500,000 7.22% State Government Of Haryana 2038
Sovereign Bonds | -4% ₹402 Cr 40,000,000 7.13% State Government Of Karnataka 2041
Sovereign Bonds | -2% ₹249 Cr 25,048,600
↑ 4,500,000 7.16% State Government Of Madhya Pradesh 2037
Sovereign Bonds | -1% ₹100 Cr 10,000,000 Treps
CBLO/Reverse Repo | -5% ₹608 Cr Net Receivable / Payable
CBLO | -5% ₹574 Cr 8.83% Govt Stock 2041
Sovereign Bonds | -₹0 Cr 00
↓ -80,000,000 7.93% Govt Stock 2033
Sovereign Bonds | -₹0 Cr 00
↓ -6,000,000 6. Aditya Birla Sun Life Government Securities Fund
CAGR/Annualized return of 8.6% since its launch. Ranked 4 in Government Bond category. Return for 2024 was 9.1% , 2023 was 7.1% and 2022 was 1.7% . Aditya Birla Sun Life Government Securities Fund
Growth Launch Date 12 Oct 99 NAV (23 Apr 25) ₹82.4791 ↑ 0.12 (0.15 %) Net Assets (Cr) ₹1,972 on 31 Mar 25 Category Debt - Government Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.05 Sharpe Ratio 0.48 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 7.01% Effective Maturity 29 Years 11 Months 16 Days Modified Duration 11 Years 8 Months 26 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,757 31 Mar 22 ₹11,304 31 Mar 23 ₹11,632 31 Mar 24 ₹12,628 31 Mar 25 ₹13,731 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 23 Apr 25 Duration Returns 1 Month 3.1% 3 Month 4.8% 6 Month 5.9% 1 Year 12% 3 Year 7.9% 5 Year 6.4% 10 Year 15 Year Since launch 8.6% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 5.7% Fund Manager information for Aditya Birla Sun Life Government Securities Fund
Name Since Tenure Bhupesh Bameta 6 Aug 20 4.65 Yr. Data below for Aditya Birla Sun Life Government Securities Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 2.07% Debt 97.93% Debt Sector Allocation
Sector Value Government 97.93% Cash Equivalent 2.07% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.3% Govt Stock 2053
Sovereign Bonds | -49% ₹989 Cr 95,679,750
↓ -2,500,000 7.34% Govt Stock 2064
Sovereign Bonds | -29% ₹581 Cr 56,012,200
↑ 800,000 7.26% Govt Stock 2033
Sovereign Bonds | -8% ₹165 Cr 16,025,000 7.18% Govt Stock 2037
Sovereign Bonds | -5% ₹98 Cr 9,500,000 7.09% Govt Stock 2054
Sovereign Bonds | -2% ₹46 Cr 4,540,000 6.76% Govt Stock 2061
Sovereign Bonds | -1% ₹29 Cr 3,000,000 7.25% Govt Stock 2063
Sovereign Bonds | -1% ₹26 Cr 2,500,000 State Government Securities (27/02/2038)
Sovereign Bonds | -1% ₹25 Cr 2,500,000
↑ 596,400 7.1% Govt Stock 2034
Sovereign Bonds | -0% ₹3 Cr 300,000
↑ 300,000 7.09% Govt Stock 2074
Sovereign Bonds | -0% ₹3 Cr 285,700 7. 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 (23 Apr 25) ₹55.84 ↑ 0.02 (0.03 %) Net Assets (Cr) ₹2,907 on 31 Mar 25 Category Debt - Government Bond AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.88 Sharpe Ratio 0.86 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 6.85% Effective Maturity 16 Years 11 Months 26 Days Modified Duration 8 Years 4 Months 13 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,608 31 Mar 22 ₹10,992 31 Mar 23 ₹11,375 31 Mar 24 ₹12,246 31 Mar 25 ₹13,383 Returns for HDFC Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Apr 25 Duration Returns 1 Month 2.8% 3 Month 4.5% 6 Month 6% 1 Year 12% 3 Year 8% 5 Year 6% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.7% 2022 7.1% 2021 1.7% 2020 2.2% 2019 10.7% 2018 8.6% 2017 5.4% 2016 1.8% 2015 16.6% 2014 5.9% Fund Manager information for HDFC Gilt Fund
Name Since Tenure Anil Bamboli 1 Sep 07 17.51 Yr. Dhruv Muchhal 22 Jun 23 1.69 Yr. Data below for HDFC Gilt Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 2.45% Debt 97.55% Debt Sector Allocation
Sector Value Government 97.55% Cash Equivalent 2.45% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -18% ₹534 Cr 52,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -16% ₹481 Cr 46,500,000 7.34% Govt Stock 2064
Sovereign Bonds | -10% ₹300 Cr 28,870,000 6.79% Government Of India (07/10/2034)
Sovereign Bonds | -9% ₹268 Cr 26,583,400 7.26% Govt Stock 2033
Sovereign Bonds | -8% ₹247 Cr 24,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -7% ₹194 Cr 19,000,000 7.26% Govt Stock 2032
Sovereign Bonds | -6% ₹175 Cr 17,000,000 7.17% Govt Stock 2030
Sovereign Bonds | -5% ₹138 Cr 13,500,000 7.18% Govt Stock 2037
Sovereign Bonds | -4% ₹123 Cr 12,000,000 7.09% Govt Stock 2054
Sovereign Bonds | -3% ₹92 Cr 9,170,000 8. Kotak Gilt Investment Fund - Provident Fund & Trust Plan
CAGR/Annualized return of 7.4% since its launch. Ranked 14 in Government Bond category. Return for 2024 was 8.3% , 2023 was 7.3% and 2022 was 2.4% . Kotak Gilt Investment Fund - Provident Fund & Trust Plan
Growth Launch Date 11 Nov 03 NAV (23 Apr 25) ₹100.22 ↑ 0.15 (0.15 %) Net Assets (Cr) ₹3,934 on 31 Mar 25 Category Debt - Government Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆ Risk Moderate Expense Ratio 1.47 Sharpe Ratio 0.41 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.01% Effective Maturity 28 Years 7 Months 28 Days Modified Duration 11 Years 7 Months 28 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,686 31 Mar 22 ₹11,105 31 Mar 23 ₹11,554 31 Mar 24 ₹12,475 31 Mar 25 ₹13,538 Returns for Kotak Gilt Investment Fund - Provident Fund & Trust Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Apr 25 Duration Returns 1 Month 3.1% 3 Month 4.6% 6 Month 5.6% 1 Year 11.9% 3 Year 8% 5 Year 6.1% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.3% 2022 7.3% 2021 2.4% 2020 2.2% 2019 13.3% 2018 9.8% 2017 7.4% 2016 0.7% 2015 16.5% 2014 5.3% Fund Manager information for Kotak Gilt Investment Fund - Provident Fund & Trust Plan
Name Since Tenure Abhishek Bisen 15 Apr 08 16.97 Yr. Data below for Kotak Gilt Investment Fund - Provident Fund & Trust Plan as on 31 Mar 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 | -40% ₹1,584 Cr 151,080,430
↑ 1,000,000 7.34% Govt Stock 2064
Sovereign Bonds | -24% ₹938 Cr 89,099,400
↓ -500,000 7.09% Govt Stock 2054
Sovereign Bonds | -16% ₹649 Cr 63,551,800 6.8% Govt Stock 2060
Sovereign Bonds | -5% ₹196 Cr 20,000,000
↓ -1,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -4% ₹147 Cr 14,500,000 India (Republic of)
Sovereign Bonds | -1% ₹22 Cr 4,338,000 Gs CG 06/05/2037 - (Strips) Strips
Sovereign Bonds | -1% ₹21 Cr 4,639,400 India (Republic of)
Sovereign Bonds | -0% ₹19 Cr 3,686,800 Gs CG 25/05/2034 - (Strips) Strips
Sovereign Bonds | -0% ₹17 Cr 3,119,600 Gs CG 25/11/2034 - (Strips) Strips
Sovereign Bonds | -0% ₹16 Cr 3,119,600 9. Kotak Gilt Investment Fund - Regular Investment Plan
CAGR/Annualized return of 9.1% since its launch. Ranked 15 in Government Bond category. Return for 2024 was 8.3% , 2023 was 7.3% and 2022 was 2.4% . Kotak Gilt Investment Fund - Regular Investment Plan
Growth Launch Date 29 Dec 98 NAV (23 Apr 25) ₹97.9603 ↑ 0.15 (0.15 %) Net Assets (Cr) ₹3,934 on 31 Mar 25 Category Debt - Government Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆ Risk Moderate Expense Ratio 1.47 Sharpe Ratio 0.41 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.01% Effective Maturity 28 Years 7 Months 28 Days Modified Duration 11 Years 7 Months 28 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,686 31 Mar 22 ₹11,105 31 Mar 23 ₹11,554 31 Mar 24 ₹12,475 31 Mar 25 ₹13,538 Returns for Kotak Gilt Investment Fund - Regular Investment Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Apr 25 Duration Returns 1 Month 3.1% 3 Month 4.6% 6 Month 5.6% 1 Year 11.9% 3 Year 8% 5 Year 6.1% 10 Year 15 Year Since launch 9.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.3% 2022 7.3% 2021 2.4% 2020 2.2% 2019 13.3% 2018 9.8% 2017 7.4% 2016 0.7% 2015 16.5% 2014 5.3% Fund Manager information for Kotak Gilt Investment Fund - Regular Investment Plan
Name Since Tenure Abhishek Bisen 15 Apr 08 16.97 Yr. Data below for Kotak Gilt Investment Fund - Regular Investment Plan as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 2.37% Debt 97.63% Debt Sector Allocation
Sector Value Government 97.63% Cash Equivalent 2.37% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.3% Govt Stock 2053
Sovereign Bonds | -40% ₹1,551 Cr 150,080,430
↓ -5,000,000 7.34% Govt Stock 2064
Sovereign Bonds | -24% ₹930 Cr 89,599,400
↓ -8,000,000 7.09% Govt Stock 2054
Sovereign Bonds | -16% ₹640 Cr 63,551,800 6.8% Govt Stock 2060
Sovereign Bonds | -5% ₹203 Cr 21,000,000 6.79% Government Of India (07/10/2034)
Sovereign Bonds | -4% ₹146 Cr 14,500,000
↓ -5,500,000 India (Republic of)
Sovereign Bonds | -1% ₹22 Cr 4,338,000 Gs CG 06/05/2037 - (Strips) Strips
Sovereign Bonds | -1% ₹20 Cr 4,639,400 India (Republic of)
Sovereign Bonds | -0% ₹19 Cr 3,686,800 Gs CG 25/05/2034 - (Strips) Strips
Sovereign Bonds | -0% ₹17 Cr 3,119,600 Gs CG 25/11/2034 - (Strips) Strips
Sovereign Bonds | -0% ₹16 Cr 3,119,600 10. Edelweiss Government Securities Fund
CAGR/Annualized return of 8.5% since its launch. Ranked 18 in Government Bond category. Return for 2024 was 9.8% , 2023 was 6.2% and 2022 was 2.5% . Edelweiss Government Securities Fund
Growth Launch Date 13 Feb 14 NAV (23 Apr 25) ₹24.9004 ↑ 0.03 (0.10 %) Net Assets (Cr) ₹171 on 31 Mar 25 Category Debt - Government Bond AMC Edelweiss Asset Management Limited Rating ☆☆ Risk Moderate Expense Ratio 1.21 Sharpe Ratio 0.52 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 6.99% Effective Maturity 30 Years 10 Months 28 Days Modified Duration 11 Years 1 Month 20 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,851 31 Mar 22 ₹11,393 31 Mar 23 ₹11,835 31 Mar 24 ₹12,844 31 Mar 25 ₹13,954 Returns for Edelweiss Government Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Apr 25 Duration Returns 1 Month 3.1% 3 Month 4.5% 6 Month 5.8% 1 Year 11.8% 3 Year 8% 5 Year 7.1% 10 Year 15 Year Since launch 8.5% Historical performance (Yearly) on absolute basis
Year Returns 2023 9.8% 2022 6.2% 2021 2.5% 2020 4.1% 2019 13.6% 2018 10.7% 2017 6.8% 2016 4.2% 2015 12.5% 2014 5.8% Fund Manager information for Edelweiss Government Securities Fund
Name Since Tenure Rahul Dedhia 23 Nov 21 3.35 Yr. Hetul Raval 1 Jul 24 0.75 Yr. Data below for Edelweiss Government Securities Fund as on 31 Mar 25
Asset Allocation
Asset Class Value Cash 3.48% Debt 96.52% Debt Sector Allocation
Sector Value Government 96.52% Cash Equivalent 3.48% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -55% ₹93 Cr 9,000,000
↑ 6,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -24% ₹41 Cr 4,000,000 6.79% Government Of India (07/10/2034)
Sovereign Bonds | -15% ₹25 Cr 2,500,000
↓ -4,000,000 7.23% Government Of India (15/04/2039)
Sovereign Bonds | -3% ₹5 Cr 500,000 08.38 GJ Sdl 2029
Sovereign Bonds | -0% ₹0 Cr 9,100 Accrued Interest
CBLO/Reverse Repo | -2% ₹4 Cr Clearing Corporation Of India Ltd.
CBLO/Reverse Repo | -2% ₹3 Cr Net Receivables/(Payables)
CBLO | -1% -₹2 Cr
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এখানে প্রদত্ত তথ্য সঠিক কিনা তা নিশ্চিত করার জন্য সমস্ত প্রচেষ্টা করা হয়েছে। যাইহোক, তথ্যের সঠিকতা সম্পর্কে কোন গ্যারান্টি দেওয়া হয় না। কোনো বিনিয়োগ করার আগে স্কিমের তথ্য নথির সাথে যাচাই করুন।
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