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फिनकैश »म्यूचुअल फंड्स »लॉन्ग टर्म डेट फंड

लॉन्ग टर्म डेट फंड- आपको कब निवेश करना चाहिए?

Updated on March 26, 2025 , 11434 views

लॉन्ग टर्म डेट फंड एक प्रकार का डेट हैम्यूचुअल फंड्स जो कॉर्पोरेट में निवेश करते हैंबांड और सरकारी प्रतिभूतियां (जी-सेक) जिनकी लंबी अवधि की परिपक्वता अवधि है। इन फंडों की औसत परिपक्वता ज्यादातर समय 3 साल से अधिक होती है। इसीलिए, ये फंड उन निवेशकों के लिए उपयुक्त हैं जो मध्य से लंबी अवधि के लिए निवेश करना चाहते हैंनिवेश योजना यानी, आमतौर पर 3-5 साल या उससे भी अधिक के लिए। आइए समझते हैं कि लॉन्ग टर्म डेट फंड कैसे काम करते हैं और 2022 में निवेश करने के लिए सबसे अच्छे लॉन्ग टर्म बॉन्ड फंड कौन से हैं।

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लॉन्ग टर्म डेट फंड- लॉन्ग टर्म इन्वेस्टमेंट के लिए एक प्लान

लॉन्ग टर्म डेट फंड अपना बड़ा निवेश करते हैंआधारभूत कॉर्पोरेट डिबेंचर, बांड और जैसे ऋण उपकरणों में संपत्तिमुद्रा बाजार उच्च परिपक्वता अवधि के साथ लिखत और सरकारी प्रतिभूतियां। निवेशकों को लॉन्ग टर्म डेट फंड में निवेश करना चाहिए, अगर उनके पास निवेश की समय सीमा 3 साल से अधिक है। साथ ही, यह फंड केवल उन निवेशकों के लिए उपयुक्त है जो निवेश में कुछ स्तर का जोखिम लेने के इच्छुक हैं।

long-term-debt-funds

लॉन्ग टर्म डेट फंड ब्याज दर में बदलाव के प्रति संवेदनशील होते हैं और डेट फंड की अन्य श्रेणियों की तुलना में अधिक अस्थिर होते हैं। ऋण लिखतों की ब्याज दरों और कीमतों का विपरीत संबंध होता है, जिसका अर्थ है कि वे विपरीत दिशाओं में चलते हैं। उदाहरण के लिए, गिरती ब्याज दर डेट फंड या बॉन्ड फंड के लिए अच्छी है। दीर्घावधिआय फंड आमतौर पर तब लाभान्वित होते हैं जब ब्याज दरें नीचे की ओर बढ़ रही हों। इसके अलावा, ब्याज दर में गिरावट के दौरान, बांड की कीमतें बढ़ जाती हैं और यह बढ़ावा मिलता हैएनएवी काडेट फंड योजनाएं

गिरती ब्याज दर परिदृश्य में, ऐसे बॉन्ड की औसत परिपक्वता लगभग 7-10 साल तक जा सकती है। जब ब्याज दरें बढ़ती हैं, तो वे कम अवधि की प्रतिभूतियों का स्टॉक करते हैं और पोर्टफोलियो की औसत परिपक्वता को कम रखते हैं।

अधिकतर, लंबी अवधि के बॉन्ड फंड में निवेश करने की सलाह दी जाती है, जब ब्याज दरों में कमी आने की उम्मीद होती है क्योंकि ब्याज दरों में कमी से लंबी अवधि की प्रतिभूतियों की कीमतों में वृद्धि होती है। निवेशक जो ब्याज दरों में उतार-चढ़ाव के साथ सहज हैंमंडी, केवल पसंद करना चाहिएनिवेश लंबी अवधि के डेट फंड में।

रिटर्न और जोखिम

ये फंड अधिक से अधिक रिटर्न देने के लिए हैंबैंक सावधि जमा। इसके अलावा, अगर तीन साल से अधिक समय तक रखा जाता है, तो रिटर्न अधिक कर कुशल होता है। लेकिन, जोखिम की तरफ, जब ब्याज दरें अचानक दिशा बदलती हैं तो ये फंड अस्थिर हो सकते हैं। निरंतर बढ़ती ब्याज दर व्यवस्था में, ये फंड मामूली रिटर्न देते हैं क्योंकि वे लंबी अवधि के बॉन्ड नहीं बेच सकते हैं और छोटी अवधि वाली स्क्रिप्ट पर स्विच नहीं कर सकते हैं।

लॉन्ग टर्म डेट फंड कराधान

डेट फंड पर कर निहितार्थ की गणना निम्नलिखित तरीके से की जाती है-

शॉर्ट टर्म कैपिटल गेन्स

यदि किसी ऋण निवेश की होल्डिंग अवधि 36 महीने से कम है, तो इसे अल्पकालिक निवेश के रूप में वर्गीकृत किया जाता है और इन पर व्यक्ति के टैक्स स्लैब के अनुसार कर लगाया जाता है।

लॉन्ग टर्म कैपिटल गेन्स

यदि ऋण निवेश की होल्डिंग अवधि 36 महीने से अधिक है, तो इसे दीर्घकालिक निवेश के रूप में वर्गीकृत किया जाता है और इंडेक्सेशन लाभ के साथ 20% कर लगाया जाता है।

राजधानी लाभ निवेश होल्डिंग लाभ कर लगाना
लघु अवधिपूंजीगत लाभ 36 महीने से कम व्यक्ति के टैक्स स्लैब के अनुसार
लॉन्ग टर्म कैपिटल गेन्स 36 महीने से अधिक इंडेक्सेशन लाभ के साथ 20%

लॉन्ग टर्म बॉन्ड फंड में निवेश कैसे करें?

निवेशक दो तरह से निवेश कर सकते हैं-सिप या एकमुश्त। औसत निवेशकों के लिए, एसआईपी (सिस्टमैटिक इन्वेस्टमेंट प्लान) सबसे व्यवहार्य विकल्प है। यह आपको मासिक/तिमाही/वार्षिक निवेश का एक व्यवस्थित विकल्प देता हैआधार. एकमुश्त में, निवेशकों को योजना में एकमुश्त डाउन पेमेंट के रूप में काफी राशि का निवेश करना होता है। एकमुश्त के लिए न्यूनतम निवेश राशि INR 5000 है, जबकि SIP के लिए यह INR 500 है।

2022 में निवेश करने के लिए सर्वश्रेष्ठ लॉन्ग टर्म बॉन्ड फंड

FundNAVNet Assets (Cr)Min InvestmentMin SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)2023 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Axis Gilt Fund Growth ₹25.2594
↑ 0.08
₹912 5,000 1,000 3.23.99.77.4107.11%9Y 9M 14D22Y 9M
HDFC Gilt Fund Growth ₹54.6334
↑ 0.12
₹2,939 5,000 300 33.79.36.88.78.48%8Y 2M 11D16Y 7M 9D
DSP BlackRock Government Securities Fund Growth ₹94.939
↑ 0.36
₹1,699 1,000 500 3.13.49.17.610.17.09%11Y 2M 12D28Y 11M 16D
SBI Magnum Gilt Fund Growth ₹65.3085
↑ 0.21
₹11,257 5,000 500 3.13.58.97.88.97.11%9Y 11M 1D23Y 10M 28D
Nippon India Gilt Securities Fund Growth ₹37.7122
↑ 0.10
₹2,126 5,000 100 33.48.86.98.97.1%9Y 3M 22D20Y 10M 24D
UTI Gilt Fund Growth ₹62.0519
↑ 0.14
₹644 5,000 500 3.13.68.87.38.96.99%9Y 8M 23D22Y 9M
IDFC Government Securities Fund - Investment Plan Growth ₹35.0655
↑ 0.11
₹3,570 5,000 1,000 3.12.98.76.910.67.24%11Y 10M 17D28Y 3M 18D
Aditya Birla Sun Life Government Securities Fund Growth ₹80.5832
↑ 0.26
₹1,992 1,000 1,000 3.23.48.76.89.17.08%10Y 9M25Y 11M 5D
Aditya Birla Sun Life Corporate Bond Fund Growth ₹110.57
↑ 0.19
₹25,293 1,000 100 2.548.77.18.57.48%3Y 9M 14D5Y 8M 19D
Invesco India Gilt Fund Growth ₹2,810.46
↑ 8.71
₹1,220 5,000 100 3.13.18.77.4107.15%10Y 11M 5D29Y 3M 22D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Mar 25

1. Axis Gilt Fund

(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 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% .

Below is the key information for Axis Gilt Fund

Axis Gilt Fund
Growth
Launch Date 23 Jan 12
NAV (28 Mar 25) ₹25.2594 ↑ 0.08   (0.30 %)
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.

DateValue
29 Feb 20₹10,000
28 Feb 21₹10,896
28 Feb 22₹11,306
28 Feb 23₹11,595
29 Feb 24₹12,648
28 Feb 25₹13,644

Axis Gilt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Axis Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Mar 25

DurationReturns
1 Month 2.6%
3 Month 3.2%
6 Month 3.9%
1 Year 9.7%
3 Year 7.4%
5 Year 6.7%
10 Year
15 Year
Since launch 7.3%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Devang Shah5 Nov 1212.33 Yr.
Sachin Jain1 Feb 232.08 Yr.

Data below for Axis Gilt Fund as on 28 Feb 25

Asset Allocation
Asset ClassValue
Cash5.3%
Debt94.7%
Debt Sector Allocation
SectorValue
Government94.7%
Cash Equivalent5.3%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.09% Govt Stock 2054
Sovereign Bonds | -
26%₹236 Cr23,500,000
↑ 8,500,000
6.79% Govt Stock 2034
Sovereign Bonds | -
22%₹206 Cr20,500,000
↑ 13,500,000
7.34% Govt Stock 2064
Sovereign Bonds | -
16%₹145 Cr13,993,200
↓ -21,000,000
7.3% Govt Stock 2053
Sovereign Bonds | -
11%₹98 Cr9,500,000
↑ 3,000,000
7.18% Govt Stock 2033
Sovereign Bonds | -
6%₹54 Cr5,300,000
7.1% Govt Stock 2034
Sovereign Bonds | -
6%₹51 Cr5,000,000
↑ 2,500,000
6.92% Govt Stock 2039
Sovereign Bonds | -
5%₹42 Cr4,200,000
↓ -5,000,000
7.32% Govt Stock 2030
Sovereign Bonds | -
2%₹15 Cr1,500,000
↑ 1,500,000
Maharashtra (Government of) 7.45%
- | -
1%₹11 Cr1,083,700
7.46% Govt Stock 2073
Sovereign Bonds | -
1%₹5 Cr500,000

2. HDFC Gilt Fund

(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 CAGR/Annualized return of 7.4% since its launch.  Ranked 7 in Government Bond category.  Return for 2024 was 8.7% , 2023 was 7.1% and 2022 was 1.7% .

Below is the key information for HDFC Gilt Fund

HDFC Gilt Fund
Growth
Launch Date 25 Jul 01
NAV (28 Mar 25) ₹54.6334 ↑ 0.12   (0.21 %)
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.

DateValue
29 Feb 20₹10,000
28 Feb 21₹10,569
28 Feb 22₹11,015
28 Feb 23₹11,282
29 Feb 24₹12,213
28 Feb 25₹13,155

HDFC Gilt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for HDFC Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Mar 25

DurationReturns
1 Month 2.1%
3 Month 3%
6 Month 3.7%
1 Year 9.3%
3 Year 6.8%
5 Year 6%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Anil Bamboli1 Sep 0717.51 Yr.
Dhruv Muchhal22 Jun 231.69 Yr.

Data below for HDFC Gilt Fund as on 28 Feb 25

Asset Allocation
Asset ClassValue
Cash2.99%
Debt97.01%
Debt Sector Allocation
SectorValue
Government97.01%
Cash Equivalent2.99%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.18% Govt Stock 2033
Sovereign Bonds | -
18%₹534 Cr52,000,000
7.3% Govt Stock 2053
Sovereign Bonds | -
16%₹479 Cr46,500,000
7.34% Govt Stock 2064
Sovereign Bonds | -
10%₹288 Cr27,870,000
↓ -500,000
6.79% Govt Stock 2034
Sovereign Bonds | -
9%₹277 Cr27,583,400
7.26% Govt Stock 2033
Sovereign Bonds | -
8%₹247 Cr24,000,000
7.1% Govt Stock 2034
Sovereign Bonds | -
7%₹194 Cr19,000,000
7.26% Govt Stock 2032
Sovereign Bonds | -
6%₹175 Cr17,000,000
7.17% Govt Stock 2030
Sovereign Bonds | -
5%₹138 Cr13,500,000
7.18% Govt Stock 2037
Sovereign Bonds | -
4%₹123 Cr12,000,000
7.09% Govt Stock 2054
Sovereign Bonds | -
3%₹92 Cr9,170,000

3. DSP BlackRock Government Securities Fund

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 CAGR/Annualized return of 9.2% since its launch.  Ranked 9 in Government Bond category.  Return for 2024 was 10.1% , 2023 was 7.1% and 2022 was 2.7% .

Below is the key information for DSP BlackRock Government Securities Fund

DSP BlackRock Government Securities Fund
Growth
Launch Date 30 Sep 99
NAV (28 Mar 25) ₹94.939 ↑ 0.36   (0.38 %)
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.

DateValue
29 Feb 20₹10,000
28 Feb 21₹10,785
28 Feb 22₹11,289
28 Feb 23₹11,649
29 Feb 24₹12,796
28 Feb 25₹13,682

DSP BlackRock Government Securities Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for DSP BlackRock Government Securities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Mar 25

DurationReturns
1 Month 2.9%
3 Month 3.1%
6 Month 3.4%
1 Year 9.1%
3 Year 7.6%
5 Year 6.8%
10 Year
15 Year
Since launch 9.2%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Sandeep Yadav1 Aug 240.58 Yr.
Shantanu Godambe1 Jun 231.75 Yr.

Data below for DSP BlackRock Government Securities Fund as on 28 Feb 25

Asset Allocation
Asset ClassValue
Cash4.11%
Debt95.89%
Debt Sector Allocation
SectorValue
Government95.89%
Cash Equivalent4.11%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.34% Govt Stock 2064
Sovereign Bonds | -
41%₹714 Cr67,500,000
↓ -5,500,000
7.3% Govt Stock 2053
Sovereign Bonds | -
26%₹443 Cr42,500,000
↑ 20,500,000
7.26% Maharashtra SDL 2050
Sovereign Bonds | -
6%₹105 Cr10,000,000
6.79% Govt Stock 2034
Sovereign Bonds | -
6%₹103 Cr10,000,000
↓ -30,000,000
7.14% Madhya Pradesh SDL 2043
Sovereign Bonds | -
6%₹103 Cr10,000,000
7.09% Govt Stock 2054
Sovereign Bonds | -
4%₹75 Cr7,500,000
↑ 7,500,000
Maharashtra (Government of) 7.14%
- | -
3%₹50 Cr5,000,000
↑ 5,000,000
7.85% MP Sdl 2032
Sovereign Bonds | -
2%₹27 Cr2,500,000
7.22% Maharashtra SDL 2049
Sovereign Bonds | -
1%₹16 Cr1,500,000
6.99% Govt Stock 2051
Sovereign Bonds | -
1%₹15 Cr1,500,000
↑ 1,500,000

4. SBI Magnum Gilt Fund

(Erstwhile SBI Magnum Gilt Fund - Long Term Plan)

To provide the investors with returns generated through investments in government securities issued by the Central Government and / or a State Government

SBI Magnum Gilt Fund is a Debt - Government Bond fund was launched on 30 Dec 00. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8% since its launch.  Ranked 3 in Government Bond category.  Return for 2024 was 8.9% , 2023 was 7.6% and 2022 was 4.2% .

Below is the key information for SBI Magnum Gilt Fund

SBI Magnum Gilt Fund
Growth
Launch Date 30 Dec 00
NAV (28 Mar 25) ₹65.3085 ↑ 0.21   (0.32 %)
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.

DateValue
29 Feb 20₹10,000
28 Feb 21₹10,749
28 Feb 22₹11,202
28 Feb 23₹11,688
29 Feb 24₹12,807
28 Feb 25₹13,728

SBI Magnum Gilt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for SBI Magnum Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Mar 25

DurationReturns
1 Month 2.5%
3 Month 3.1%
6 Month 3.5%
1 Year 8.9%
3 Year 7.8%
5 Year 6.8%
10 Year
15 Year
Since launch 8%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Rajeev Radhakrishnan1 Nov 231.33 Yr.
Tejas Soman1 Dec 231.25 Yr.

Data below for SBI Magnum Gilt Fund as on 15 Mar 25

Asset Allocation
Asset ClassValue
Cash2.69%
Debt97.31%
Debt Sector Allocation
SectorValue
Government97.31%
Cash Equivalent2.69%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.34% Govt Stock 2064
Sovereign Bonds | -
39%₹4,382 Cr423,500,000
↑ 500,000
6.79% Govt Stock 2034
Sovereign Bonds | -
38%₹4,268 Cr424,326,400
↑ 67,500,000
7.3% Govt Stock 2053
Sovereign Bonds | -
11%₹1,201 Cr116,500,000
↑ 8,500,000
8.83% Govt Stock 2041
Sovereign Bonds | -
8%₹949 Cr80,000,000
7.13% State Government Of Karnataka 2041
Sovereign Bonds | -
2%₹205 Cr20,548,600
↑ 20,548,600
7.93% Govt Stock 2033
Sovereign Bonds | -
1%₹62 Cr6,000,000
Treps
CBLO/Reverse Repo | -
2%₹171 Cr
Net Receivable / Payable
CBLO | -
1%₹134 Cr
07.13 KA Sdl 2038
Sovereign Bonds | -
₹0 Cr00
↓ -52,500,000
06.48 RJ Sdl 2027
Sovereign Bonds | -
₹0 Cr00
↓ -2,500,000

5. Nippon India Gilt Securities Fund

The primary investment objective of the scheme is to generate optimal credit risk-free returns by investing in a portfolio of securities issued and guaranteed by the Central Government and State Government.

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 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% .

Below is the key information for Nippon India Gilt Securities Fund

Nippon India Gilt Securities Fund
Growth
Launch Date 22 Aug 08
NAV (28 Mar 25) ₹37.7122 ↑ 0.10   (0.26 %)
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.

DateValue
29 Feb 20₹10,000
28 Feb 21₹10,561
28 Feb 22₹11,016
28 Feb 23₹11,279
29 Feb 24₹12,257
28 Feb 25₹13,109

Nippon India Gilt Securities Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Nippon India Gilt Securities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Mar 25

DurationReturns
1 Month 2.4%
3 Month 3%
6 Month 3.4%
1 Year 8.8%
3 Year 6.9%
5 Year 5.9%
10 Year
15 Year
Since launch 8.3%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Pranay Sinha31 Mar 213.92 Yr.
Kinjal Desai31 Oct 213.33 Yr.

Data below for Nippon India Gilt Securities Fund as on 28 Feb 25

Asset Allocation
Asset ClassValue
Cash2.52%
Debt97.48%
Debt Sector Allocation
SectorValue
Government97.48%
Cash Equivalent2.52%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.1% Govt Stock 2034
Sovereign Bonds | -
17%₹363 Cr35,500,000
↑ 2,500,000
7.34% Govt Stock 2064
Sovereign Bonds | -
14%₹305 Cr29,500,000
7.09% Govt Stock 2054
Sovereign Bonds | -
11%₹226 Cr22,500,000
7.3% Govt Stock 2053
Sovereign Bonds | -
10%₹211 Cr20,500,000
6.79% Govt Stock 2034
Sovereign Bonds | -
9%₹186 Cr18,500,000
↑ 4,500,000
7.18% Govt Stock 2037
Sovereign Bonds | -
8%₹174 Cr16,965,200
7.25% Govt Stock 2063
Sovereign Bonds | -
7%₹143 Cr14,000,000
7.18% Govt Stock 2033
Sovereign Bonds | -
6%₹139 Cr13,500,000
6.8% Govt Stock 2060
Sovereign Bonds | -
3%₹58 Cr6,000,000
6.92% Govt Stock 2039
Sovereign Bonds | -
2%₹45 Cr4,500,000

6. UTI Gilt Fund

(Erstwhile UTI Gilt Advantage Fund- LTP)

To generate credit risk-free return through investment in sovereign securities issued by the Central Government and / or a State Government and / or any security unconditionally guaranteed by the Central Government and / or a State Government for repayment of principal and interest. However there can be no assurance that the investment objective of the Scheme will be achieved.

UTI Gilt Fund is a Debt - Government Bond fund was launched on 21 Jan 02. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.2% since its launch.  Ranked 7 in Government Bond category.  Return for 2024 was 8.9% , 2023 was 6.7% and 2022 was 2.9% .

Below is the key information for UTI Gilt Fund

UTI Gilt Fund
Growth
Launch Date 21 Jan 02
NAV (28 Mar 25) ₹62.0519 ↑ 0.14   (0.23 %)
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.

DateValue
29 Feb 20₹10,000
28 Feb 21₹10,608
28 Feb 22₹10,952
28 Feb 23₹11,375
29 Feb 24₹12,338
28 Feb 25₹13,209

UTI Gilt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for UTI Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Mar 25

DurationReturns
1 Month 2.3%
3 Month 3.1%
6 Month 3.6%
1 Year 8.8%
3 Year 7.3%
5 Year 6.1%
10 Year
15 Year
Since launch 8.2%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Sudhir Agarwal1 Dec 213.25 Yr.

Data below for UTI Gilt Fund as on 28 Feb 25

Asset Allocation
Asset ClassValue
Cash2.98%
Debt97.02%
Debt Sector Allocation
SectorValue
Government97.02%
Cash Equivalent2.98%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2034
Sovereign Bonds | -
47%₹302 Cr3,000,000,000
↑ 2,750,000,000
7.34% Govt Stock 2064
Sovereign Bonds | -
18%₹119 Cr1,150,000,000
7.09% Govt Stock 2054
Sovereign Bonds | -
16%₹100 Cr1,000,000,000
7.3% Govt Stock 2053
Sovereign Bonds | -
7%₹46 Cr450,000,000
7.46% Govt Stock 2073
Sovereign Bonds | -
5%₹32 Cr300,000,000
7.1% Govt Stock 2034
Sovereign Bonds | -
4%₹26 Cr250,000,000
Net Current Assets
Net Current Assets | -
3%₹18 Cr
Clearing Corporation Of India Ltd. Std - Margin
CBLO/Reverse Repo | -
0%₹1 Cr00
6.92% Govt Stock 2039
Sovereign Bonds | -
₹0 Cr00
↓ -2,300,000,000

7. IDFC Government Securities Fund - Investment Plan

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 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% .

Below is the key information for IDFC Government Securities Fund - Investment Plan

IDFC Government Securities Fund - Investment Plan
Growth
Launch Date 3 Dec 08
NAV (28 Mar 25) ₹35.0655 ↑ 0.11   (0.31 %)
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.

DateValue
29 Feb 20₹10,000
28 Feb 21₹10,758
28 Feb 22₹11,325
28 Feb 23₹11,467
29 Feb 24₹12,618
28 Feb 25₹13,437

IDFC Government Securities Fund - Investment Plan SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for IDFC Government Securities Fund - Investment Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Mar 25

DurationReturns
1 Month 3%
3 Month 3.1%
6 Month 2.9%
1 Year 8.7%
3 Year 6.9%
5 Year 6.6%
10 Year
15 Year
Since launch 8%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Suyash Choudhary15 Oct 1014.39 Yr.
Brijesh Shah10 Jun 240.72 Yr.

Data below for IDFC Government Securities Fund - Investment Plan as on 15 Mar 25

Asset Allocation
Asset ClassValue
Cash1.07%
Debt98.93%
Debt Sector Allocation
SectorValue
Government98.93%
Cash Equivalent1.07%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.3% Govt Stock 2053
Sovereign Bonds | -
99%₹3,620 Cr351,100,000
↑ 400,000
7.17% Govt Stock 2028
Sovereign Bonds | -
0%₹0 Cr6,300
Net Current Assets
Net Current Assets | -
1%₹37 Cr
Triparty Repo Trp_170225
CBLO/Reverse Repo | -
0%₹2 Cr
Cash Margin - Ccil
CBLO | -
0%₹0 Cr

8. Aditya Birla Sun Life Government Securities Fund

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

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

Aditya Birla Sun Life Government Securities Fund is a Debt - Government Bond fund was launched on 12 Oct 99. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.5% since its launch.  Ranked 4 in Government Bond category.  Return for 2024 was 9.1% , 2023 was 7.1% and 2022 was 1.7% .

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

Aditya Birla Sun Life Government Securities Fund
Growth
Launch Date 12 Oct 99
NAV (28 Mar 25) ₹80.5832 ↑ 0.26   (0.32 %)
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.

DateValue
29 Feb 20₹10,000
28 Feb 21₹10,675
28 Feb 22₹11,355
28 Feb 23₹11,553
29 Feb 24₹12,605
28 Feb 25₹13,427

Aditya Birla Sun Life Government Securities Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Aditya Birla Sun Life Government Securities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Mar 25

DurationReturns
1 Month 2.9%
3 Month 3.2%
6 Month 3.4%
1 Year 8.7%
3 Year 6.8%
5 Year 6.5%
10 Year
15 Year
Since launch 8.5%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Bhupesh Bameta6 Aug 204.57 Yr.

Data below for Aditya Birla Sun Life Government Securities Fund as on 28 Feb 25

Asset Allocation
Asset ClassValue
Cash1.17%
Debt98.83%
Debt Sector Allocation
SectorValue
Government98.83%
Cash Equivalent1.17%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.3% Govt Stock 2053
Sovereign Bonds | -
52%₹1,038 Cr100,679,750
↓ -7,500,000
7.34% Govt Stock 2064
Sovereign Bonds | -
22%₹446 Cr43,148,800
↑ 8,850,000
7.26% Govt Stock 2033
Sovereign Bonds | -
8%₹165 Cr16,025,000
↓ -500,000
7.18% Govt Stock 2033
Sovereign Bonds | -
7%₹144 Cr14,000,000
↓ -8,500,000
7.18% Govt Stock 2037
Sovereign Bonds | -
6%₹118 Cr11,500,000
↑ 11,500,000
6.76% Govt Stock 2061
Sovereign Bonds | -
1%₹29 Cr3,000,000
7.25% Govt Stock 2063
Sovereign Bonds | -
1%₹26 Cr2,500,000
7.09% Govt Stock 2054
Sovereign Bonds | -
1%₹20 Cr2,040,000
7.09% Govt Stock 2074
Sovereign Bonds | -
0%₹3 Cr285,700
5.63% Govt Stock 2026
Sovereign Bonds | -
0%₹1 Cr65,000

9. Aditya Birla Sun Life Corporate Bond Fund

(Erstwhile Aditya Birla Sun Life Short Term Fund)

An Open-ended income scheme with the objective to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market securities.

Aditya Birla Sun Life Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 3 Mar 97. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 8.9% since its launch.  Ranked 1 in Corporate Bond category.  Return for 2024 was 8.5% , 2023 was 7.3% and 2022 was 4.1% .

Below is the key information for Aditya Birla Sun Life Corporate Bond Fund

Aditya Birla Sun Life Corporate Bond Fund
Growth
Launch Date 3 Mar 97
NAV (28 Mar 25) ₹110.57 ↑ 0.19   (0.17 %)
Net Assets (Cr) ₹25,293 on 28 Feb 25
Category Debt - Corporate Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.5
Sharpe Ratio 1.37
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.48%
Effective Maturity 5 Years 8 Months 19 Days
Modified Duration 3 Years 9 Months 14 Days

Growth of 10,000 investment over the years.

DateValue
29 Feb 20₹10,000
28 Feb 21₹10,921
28 Feb 22₹11,505
28 Feb 23₹12,006
29 Feb 24₹12,959
28 Feb 25₹14,008

Aditya Birla Sun Life Corporate Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for Aditya Birla Sun Life Corporate Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Mar 25

DurationReturns
1 Month 1.3%
3 Month 2.5%
6 Month 4%
1 Year 8.7%
3 Year 7.1%
5 Year 7.2%
10 Year
15 Year
Since launch 8.9%
Historical performance (Yearly) on absolute basis
YearReturns
2023 8.5%
2022 7.3%
2021 4.1%
2020 4%
2019 11.9%
2018 9.6%
2017 7%
2016 6.5%
2015 10.2%
2014 8.9%
Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund
NameSinceTenure
Kaustubh Gupta12 Apr 213.89 Yr.

Data below for Aditya Birla Sun Life Corporate Bond Fund as on 28 Feb 25

Asset Allocation
Asset ClassValue
Cash3.14%
Debt96.6%
Other0.26%
Debt Sector Allocation
SectorValue
Corporate58.67%
Government37.73%
Cash Equivalent3.14%
Securitized0.19%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.1% Govt Stock 2034
Sovereign Bonds | -
9%₹2,196 Cr214,661,700
↑ 48,500,000
7.18% Govt Stock 2033
Sovereign Bonds | -
8%₹2,114 Cr206,000,000
↓ -46,000,000
7.18% Govt Stock 2037
Sovereign Bonds | -
6%₹1,624 Cr158,324,100
↑ 1,500,000
Small Industries Development Bank Of India
Debentures | -
3%₹769 Cr77,050
Small Industries Development Bank Of India
Debentures | -
2%₹599 Cr6,000
Bajaj Housing Finance Limited
Debentures | -
2%₹556 Cr55,000
Bajaj Finance Limited
Debentures | -
2%₹454 Cr45,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹437 Cr43,500
Ncd Small Industries Development Bank Of India
Debentures | -
2%₹400 Cr40,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹399 Cr4,000

10. Invesco India Gilt Fund

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 CAGR/Annualized return of 6.2% since its launch.  Ranked 10 in Government Bond category.  Return for 2024 was 10% , 2023 was 6.6% and 2022 was 2.3% .

Below is the key information for Invesco India Gilt Fund

Invesco India Gilt Fund
Growth
Launch Date 9 Feb 08
NAV (28 Mar 25) ₹2,810.46 ↑ 8.71   (0.31 %)
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.

DateValue
29 Feb 20₹10,000
28 Feb 21₹10,376
28 Feb 22₹10,584
28 Feb 23₹10,941
29 Feb 24₹11,987
28 Feb 25₹12,780

Invesco India Gilt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Invesco India Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Mar 25

DurationReturns
1 Month 2.8%
3 Month 3.1%
6 Month 3.1%
1 Year 8.7%
3 Year 7.4%
5 Year 5.5%
10 Year
15 Year
Since launch 6.2%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Krishna Cheemalapati27 Jul 213.6 Yr.
Vikas Garg26 Sep 204.43 Yr.

Data below for Invesco India Gilt Fund as on 28 Feb 25

Asset Allocation
Asset ClassValue
Cash5.37%
Debt94.63%
Debt Sector Allocation
SectorValue
Government94.63%
Cash Equivalent5.37%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.34% Govt Stock 2064
Sovereign Bonds | -
34%₹414 Cr40,031,000
↓ -2,500,000
7.09% Govt Stock 2054
Sovereign Bonds | -
27%₹336 Cr33,500,000
↓ -2,500,000
6.79% Govt Stock 2034
Sovereign Bonds | -
13%₹161 Cr16,012,900
↓ -500,000
7.09% Govt Stock 2074
Sovereign Bonds | -
9%₹110 Cr11,000,000
↑ 7,500,000
7.18% Govt Stock 2037
Sovereign Bonds | -
4%₹46 Cr4,500,000
7.23% Govt Stock 2039
Sovereign Bonds | -
3%₹41 Cr4,000,000
7.3% Govt Stock 2053
Sovereign Bonds | -
2%₹26 Cr2,500,000
↓ -2,500,000
6.92% Govt Stock 2039
Sovereign Bonds | -
2%₹20 Cr2,000,000
↑ 2,000,000
7.1% Govt Stock 2034
Sovereign Bonds | -
1%₹10 Cr1,000,000
Triparty Repo
CBLO/Reverse Repo | -
8%₹97 Cr

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