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લોંગ ટર્મ ડેટ ફંડ્સ- તમારે ક્યારે રોકાણ કરવું જોઈએ?
લાંબા ગાળાના ડેટ ફંડ એ એક પ્રકારનું દેવું છેમ્યુચ્યુઅલ ફંડ જે કોર્પોરેટમાં રોકાણ કરે છેબોન્ડ અને સરકારી સિક્યોરિટીઝ (જી-સેક) કે જે લાંબા ગાળાની પાકતી મુદત ધરાવે છે. આ ફંડ્સની સરેરાશ પાકતી મુદત મોટાભાગે 3 વર્ષથી વધુ હોય છે. તેથી જ, આ ફંડ એવા રોકાણકારો માટે યોગ્ય છે જેઓ મધ્યથી લાંબા ગાળા માટે રોકાણ કરવા ઈચ્છે છેરોકાણ યોજના એટલે કે, સામાન્ય રીતે 3-5 વર્ષ અથવા તેથી વધુ માટે. ચાલો સમજીએ કે લાંબા ગાળાના ડેટ ફંડ્સ કેવી રીતે કામ કરે છે અને 2022 માં રોકાણ કરવા માટે શ્રેષ્ઠ લાંબા ગાળાના બોન્ડ ફંડ્સ કયા છે.
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લાંબા ગાળાના ડેટ ફંડ્સ- લાંબા ગાળાના રોકાણ માટેની યોજના
લાંબા ગાળાના ડેટ ફંડ્સ તેમના મુખ્ય રોકાણ કરે છેઅંતર્ગત કોર્પોરેટ ડિબેન્ચર, બોન્ડ અને જેવા ડેટ ઇન્સ્ટ્રુમેન્ટમાં એસેટમની માર્કેટ ઉચ્ચ પરિપક્વતા સમયગાળા સાથેના સાધનો અને સરકારી સિક્યોરિટીઝ. રોકાણકારોએ લાંબા ગાળાના ડેટ ફંડમાં રોકાણ કરવું જોઈએ જો તેમની પાસે રોકાણની સમયમર્યાદા 3 વર્ષથી વધુ હોય. ઉપરાંત, આ ફંડ એવા રોકાણકારો માટે જ યોગ્ય છે જે રોકાણમાં અમુક સ્તરનું જોખમ લેવા તૈયાર હોય.
લાંબા ગાળાના ડેટ ફંડ્સ વ્યાજ દરમાં થતા ફેરફારો પ્રત્યે સંવેદનશીલ હોય છે અને ડેટ ફંડની અન્ય શ્રેણીઓ કરતાં વધુ અસ્થિર હોય છે. વ્યાજ દરો અને ડેટ ઇન્સ્ટ્રુમેન્ટની કિંમતો એક વ્યસ્ત સંબંધ ધરાવે છે, જેનો અર્થ છે કે તેઓ વિરુદ્ધ દિશામાં આગળ વધે છે. દાખલા તરીકે, વ્યાજ દરમાં ઘટાડો ડેટ ફંડ અથવા બોન્ડ ફંડ માટે સારો છે. લાંબા ગાળાનાઆવક સામાન્ય રીતે જ્યારે વ્યાજ દરો નીચે જતા હોય ત્યારે ફંડને ફાયદો થાય છે. તદુપરાંત, વ્યાજ દરમાં ઘટાડો દરમિયાન, બોન્ડના ભાવ વધે છે અને આ પ્રોત્સાહન આપે છેNAVs નાડેટ ફંડ યોજનાઓ
ઘટતા વ્યાજ દરની સ્થિતિમાં, આવા બોન્ડની સરેરાશ પાકતી મુદત લગભગ 7-10 વર્ષ સુધી જઈ શકે છે. જ્યારે વ્યાજ દરો વધે છે, ત્યારે તેઓ નીચી મુદતવાળી સિક્યોરિટીઝનો સ્ટોક કરે છે અને પોર્ટફોલિયોની સરેરાશ મેચ્યોરિટી ઓછી રાખે છે.
મોટાભાગે, જ્યારે વ્યાજ દરો હળવા થવાની અપેક્ષા હોય ત્યારે લાંબા ગાળાના બોન્ડ ફંડમાં રોકાણ કરવાની સલાહ આપવામાં આવે છે કારણ કે વ્યાજ દરોમાં ઘટાડો થવાથી લાંબા ગાળાની સિક્યોરિટીઝના ભાવમાં વધારો થાય છે. રોકાણકારો કે જેઓ વ્યાજ દરોમાં વધઘટથી આરામદાયક છેબજાર, માત્ર પ્રાધાન્ય આપવું જોઈએરોકાણ લાંબા ગાળાના ડેટ ફંડમાં.
વળતર અને જોખમ
આ ફંડ્સ વધુ વળતર આપવા માટે છેબેંક ફિક્સ્ડ ડિપોઝિટ. વધુમાં, જો ત્રણ વર્ષથી વધુ સમય માટે રાખવામાં આવે તો, વળતર વધુ કર કાર્યક્ષમ હોય છે. પરંતુ, જોખમની બાજુએ, જ્યારે વ્યાજ દરો અચાનક દિશા બદલી નાખે છે ત્યારે આ ભંડોળ અસ્થિર થઈ શકે છે. સતત વધતા વ્યાજ દરના શાસનમાં, આ ભંડોળ સાધારણ વળતર આપે છે કારણ કે તેઓ લાંબા સમયના બોન્ડ્સ વેચી શકતા નથી અને ટૂંકા સમયગાળાની સ્ક્રિપ્ટ પર સ્વિચ કરી શકતા નથી.
લાંબા ગાળાના ડેટ ફંડ્સ ટેક્સેશન
ડેટ ફંડ્સ પર ટેક્સની સૂચિ નીચેની રીતે ગણવામાં આવે છે-
શોર્ટ ટર્મ કેપિટલ ગેન્સ
જો ડેટ ઇન્વેસ્ટમેન્ટનો હોલ્ડિંગ પિરિયડ 36 મહિના કરતાં ઓછો હોય, તો તેને ટૂંકા ગાળાના રોકાણ તરીકે વર્ગીકૃત કરવામાં આવે છે અને તેના પર વ્યક્તિના ટેક્સ સ્લેબ મુજબ કર લાદવામાં આવે છે.
લાંબા ગાળાના મૂડી લાભો
જો ડેટ રોકાણનો હોલ્ડિંગ સમયગાળો 36 મહિનાથી વધુ હોય, તો તેને લાંબા ગાળાના રોકાણ તરીકે વર્ગીકૃત કરવામાં આવે છે અને તેના પર ઇન્ડેક્સેશન લાભ સાથે 20% કર લાદવામાં આવે છે.
| પાટનગર લાભ થાય છે | રોકાણ હોલ્ડિંગ ગેન્સ | કરવેરા |
|---|---|---|
| ટુંકી મુદત નુંમૂડી વધારો | 36 મહિના કરતાં ઓછા | વ્યક્તિના ટેક્સ સ્લેબ મુજબ |
| લાંબા ગાળાના મૂડી લાભો | 36 મહિનાથી વધુ | ઇન્ડેક્સેશન લાભો સાથે 20% |
લાંબા ગાળાના બોન્ડ ફંડમાં કેવી રીતે રોકાણ કરવું?
રોકાણકારો બે રીતે રોકાણ કરી શકે છે-SIP અથવા સામટી રકમ. સરેરાશ રોકાણકારો માટે, SIP (સિસ્ટમેટિક ઇન્વેસ્ટમેન્ટ પ્લાન) એ સૌથી સધ્ધર વિકલ્પ છે. તે તમને માસિક/ત્રિમાસિક/વાર્ષિક રોકાણ કરવાનો વ્યવસ્થિત વિકલ્પ આપે છેઆધાર. એકસાથે, રોકાણકારોએ સ્કીમમાં વન-ટાઇમ ડાઉન પેમેન્ટ તરીકે નોંધપાત્ર રકમનું રોકાણ કરવું પડશે. એક સામટી માટે લઘુત્તમ રોકાણની રકમ INR 5000 છે, જ્યારે SIP માટે તે INR 500 છે.
2022 માં રોકાણ કરવા માટે શ્રેષ્ઠ લાંબા ગાળાના બોન્ડ ફંડ્સ
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 ₹25.4814
↑ 0.04 ₹912 5,000 1,000 3.9 5.2 11 7.7 10 7.11% 9Y 9M 14D 22Y 9M DSP BlackRock Government Securities Fund Growth ₹95.7262
↑ 0.10 ₹1,699 1,000 500 3.8 4.6 10.5 7.9 10.1 7.09% 11Y 2M 12D 28Y 11M 16D SBI Magnum Gilt Fund Growth ₹65.9251
↑ 0.13 ₹11,257 5,000 500 3.9 5 10.4 8.1 8.9 7.11% 9Y 11M 1D 23Y 10M 28D HDFC Gilt Fund Growth ₹55.0737
↑ 0.13 ₹2,939 5,000 300 3.7 5 10.3 7.1 8.7 8.48% 8Y 2M 11D 16Y 7M 9D IDFC Government Securities Fund - Investment Plan Growth ₹35.3359
↑ 0.06 ₹3,570 5,000 1,000 3.6 4.2 10.2 7.1 10.6 7.24% 11Y 10M 17D 28Y 3M 18D Invesco India Gilt Fund Growth ₹2,835.9
↑ 6.15 ₹1,220 5,000 100 3.8 4.6 10.2 7.7 10 7.15% 10Y 11M 5D 29Y 3M 22D Aditya Birla Sun Life Government Securities Fund Growth ₹81.2513
↑ 0.15 ₹1,992 1,000 1,000 3.7 4.7 10 7 9.1 7.08% 10Y 9M 25Y 11M 5D Edelweiss Government Securities Fund Growth ₹24.5382
↑ 0.05 ₹171 5,000 1,000 3.6 4.6 9.9 7.4 9.8 6.94% 8Y 1M 24D 18Y 3M 4D Nippon India Gilt Securities Fund Growth ₹38.0206
↑ 0.08 ₹2,126 5,000 100 3.7 4.7 9.9 7.2 8.9 7.1% 9Y 3M 22D 20Y 10M 24D UTI Gilt Fund Growth ₹62.5891
↑ 0.12 ₹644 5,000 500 3.8 4.8 9.9 7.5 8.9 6.99% 9Y 8M 23D 22Y 9M Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 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 (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 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 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 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 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 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 1. Axis Gilt Fund
CAGR/Annualized return of 7.3% 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 (04 Apr 25) ₹25.4814 ↑ 0.04 (0.16 %) Net Assets (Cr) ₹912 on 28 Feb 25 Category Debt - Government Bond AMC Axis Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 0.79 Sharpe Ratio 0.36 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.11% Effective Maturity 22 Years 9 Months Modified Duration 9 Years 9 Months 14 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 4 Apr 25 Duration Returns 1 Month 3.6% 3 Month 3.9% 6 Month 5.2% 1 Year 11% 3 Year 7.7% 5 Year 7% 10 Year 15 Year Since launch 7.3% 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 28 Feb 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 (04 Apr 25) ₹95.7262 ↑ 0.10 (0.11 %) Net Assets (Cr) ₹1,699 on 28 Feb 25 Category Debt - Government Bond AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk Moderate Expense Ratio 1.1 Sharpe Ratio 0 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 7.09% Effective Maturity 28 Years 11 Months 16 Days Modified Duration 11 Years 2 Months 12 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,730 31 Mar 22 ₹11,166 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 4 Apr 25 Duration Returns 1 Month 3.9% 3 Month 3.8% 6 Month 4.6% 1 Year 10.5% 3 Year 7.9% 5 Year 7.1% 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 28 Feb 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. 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 (04 Apr 25) ₹65.9251 ↑ 0.13 (0.20 %) Net Assets (Cr) ₹11,257 on 15 Mar 25 Category Debt - Government Bond AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.94 Sharpe Ratio 0.1 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.11% Effective Maturity 23 Years 10 Months 28 Days Modified Duration 9 Years 11 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 4 Apr 25 Duration Returns 1 Month 3.5% 3 Month 3.9% 6 Month 5% 1 Year 10.4% 3 Year 8.1% 5 Year 7.2% 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 15 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 4. 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 (04 Apr 25) ₹55.0737 ↑ 0.13 (0.23 %) Net Assets (Cr) ₹2,939 on 28 Feb 25 Category Debt - Government Bond AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.88 Sharpe Ratio 0.35 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 8.48% Effective Maturity 16 Years 7 Months 9 Days Modified Duration 8 Years 2 Months 11 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 4 Apr 25 Duration Returns 1 Month 3% 3 Month 3.7% 6 Month 5% 1 Year 10.3% 3 Year 7.1% 5 Year 6.2% 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 28 Feb 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 5. IDFC Government Securities Fund - Investment Plan
CAGR/Annualized return of 8% 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 (04 Apr 25) ₹35.3359 ↑ 0.06 (0.16 %) Net Assets (Cr) ₹3,570 on 15 Mar 25 Category Debt - Government Bond AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.19 Sharpe Ratio -0.1 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 4 Apr 25 Duration Returns 1 Month 3.9% 3 Month 3.6% 6 Month 4.2% 1 Year 10.2% 3 Year 7.1% 5 Year 6.8% 10 Year 15 Year Since launch 8% 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 15 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 6. 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 (04 Apr 25) ₹2,835.9 ↑ 6.15 (0.22 %) Net Assets (Cr) ₹1,220 on 28 Feb 25 Category Debt - Government Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.2 Sharpe Ratio -0.09 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.15% Effective Maturity 29 Years 3 Months 22 Days Modified Duration 10 Years 11 Months 5 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 4 Apr 25 Duration Returns 1 Month 3.8% 3 Month 3.8% 6 Month 4.6% 1 Year 10.2% 3 Year 7.7% 5 Year 5.8% 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 28 Feb 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 7. 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 (04 Apr 25) ₹81.2513 ↑ 0.15 (0.19 %) Net Assets (Cr) ₹1,992 on 28 Feb 25 Category Debt - Government Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.05 Sharpe Ratio -0.14 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 7.08% Effective Maturity 25 Years 11 Months 5 Days Modified Duration 10 Years 9 Months 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 4 Apr 25 Duration Returns 1 Month 3.8% 3 Month 3.7% 6 Month 4.7% 1 Year 10% 3 Year 7% 5 Year 6.9% 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 28 Feb 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 8. Edelweiss Government Securities Fund
CAGR/Annualized return of 8.4% 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 (04 Apr 25) ₹24.5382 ↑ 0.05 (0.20 %) Net Assets (Cr) ₹171 on 28 Feb 25 Category Debt - Government Bond AMC Edelweiss Asset Management Limited Rating ☆☆ Risk Moderate Expense Ratio 1.21 Sharpe Ratio 0.03 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 6.94% Effective Maturity 18 Years 3 Months 4 Days Modified Duration 8 Years 1 Month 24 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 4 Apr 25 Duration Returns 1 Month 3.3% 3 Month 3.6% 6 Month 4.6% 1 Year 9.9% 3 Year 7.4% 5 Year 7.2% 10 Year 15 Year Since launch 8.4% 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 28 Feb 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 9. Nippon India Gilt Securities Fund
CAGR/Annualized return of 8.3% 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 (04 Apr 25) ₹38.0206 ↑ 0.08 (0.20 %) Net Assets (Cr) ₹2,126 on 28 Feb 25 Category Debt - Government Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.42 Sharpe Ratio 0 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-15 Days (0.25%),15 Days and above(NIL) Yield to Maturity 7.1% Effective Maturity 20 Years 10 Months 24 Days Modified Duration 9 Years 3 Months 22 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,571 31 Mar 22 ₹10,923 31 Mar 23 ₹11,331 31 Mar 24 ₹12,245 31 Mar 25 ₹13,321 Returns for Nippon India Gilt Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Apr 25 Duration Returns 1 Month 3.3% 3 Month 3.7% 6 Month 4.7% 1 Year 9.9% 3 Year 7.2% 5 Year 6.2% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.9% 2022 6.7% 2021 2.1% 2020 1.8% 2019 11.2% 2018 12.4% 2017 8% 2016 3.4% 2015 17% 2014 6.2% Fund Manager information for Nippon India Gilt Securities Fund
Name Since Tenure Pranay Sinha 31 Mar 21 4 Yr. Kinjal Desai 31 Oct 21 3.42 Yr. Data below for Nippon India Gilt Securities Fund as on 28 Feb 25
Asset Allocation
Asset Class Value Cash 3.35% Debt 96.65% Debt Sector Allocation
Sector Value Government 96.65% Cash Equivalent 3.35% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -15% ₹312 Cr 30,500,000
↓ -5,000,000 7.34% Govt Stock 2064
Sovereign Bonds | -14% ₹306 Cr 29,500,000 7.09% Govt Stock 2054
Sovereign Bonds | -12% ₹252 Cr 25,000,000
↑ 2,500,000 7.3% Govt Stock 2053
Sovereign Bonds | -10% ₹212 Cr 20,500,000 7.18% Govt Stock 2037
Sovereign Bonds | -8% ₹174 Cr 16,965,200 6.92% Govt Stock 2039
Sovereign Bonds | -7% ₹146 Cr 14,500,000
↑ 10,000,000 7.25% Govt Stock 2063
Sovereign Bonds | -7% ₹143 Cr 14,000,000 6.8% Govt Stock 2060
Sovereign Bonds | -3% ₹58 Cr 6,000,000 6.79% Government Of India (07/10/2034)
Sovereign Bonds | -2% ₹50 Cr 5,000,000
↓ -13,500,000 7.18% Govt Stock 2033
Sovereign Bonds | -2% ₹46 Cr 4,500,000
↓ -9,000,000 10. UTI Gilt Fund
CAGR/Annualized return of 8.2% 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 (04 Apr 25) ₹62.5891 ↑ 0.12 (0.19 %) Net Assets (Cr) ₹644 on 28 Feb 25 Category Debt - Government Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.92 Sharpe Ratio 0.05 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.99% Effective Maturity 22 Years 9 Months Modified Duration 9 Years 8 Months 23 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,655 31 Mar 22 ₹10,944 31 Mar 23 ₹11,478 31 Mar 24 ₹12,397 31 Mar 25 ₹13,483 Returns for UTI Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Apr 25 Duration Returns 1 Month 3.2% 3 Month 3.8% 6 Month 4.8% 1 Year 9.9% 3 Year 7.5% 5 Year 6.5% 10 Year 15 Year Since launch 8.2% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.9% 2022 6.7% 2021 2.9% 2020 2.3% 2019 10.3% 2018 11.8% 2017 6.3% 2016 4.3% 2015 15.5% 2014 6.1% Fund Manager information for UTI Gilt Fund
Name Since Tenure Sudhir Agarwal 1 Dec 21 3.33 Yr. Data below for UTI Gilt Fund as on 28 Feb 25
Asset Allocation
Asset Class Value Cash 3.36% Debt 96.64% Debt Sector Allocation
Sector Value Government 96.64% Cash Equivalent 3.36% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Government Of India (07/10/2034)
Sovereign Bonds | -37% ₹242 Cr 2,400,000,000
↓ -600,000,000 7.34% Govt Stock 2064
Sovereign Bonds | -18% ₹119 Cr 1,150,000,000 7.09% Govt Stock 2054
Sovereign Bonds | -16% ₹101 Cr 1,000,000,000 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 Chhattisgarh (Government of) 7.32%
- | -5% ₹30 Cr 300,000,000
↑ 300,000,000 Assam (Government of) 7.34%
- | -5% ₹30 Cr 300,000,000
↑ 300,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -4% ₹26 Cr 250,000,000 Net Current Assets
Net Current Assets | -3% ₹20 Cr Clearing Corporation Of India Ltd. Std - Margin
CBLO/Reverse Repo | -0% ₹1 Cr 00
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