ದೀರ್ಘಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು | ಅತ್ಯುತ್ತಮ ದೀರ್ಘಾವಧಿ ಸಾಲ ನಿಧಿಗಳು - Fincash.com

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ದೀರ್ಘಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು- ದೀರ್ಘಾವಧಿಯ ಹೂಡಿಕೆಯ ಯೋಜನೆ
ರಿಟರ್ನ್ಸ್ ಮತ್ತು ರಿಸ್ಕ್
ದೀರ್ಘಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳ ತೆರಿಗೆ
- ಅಲ್ಪಾವಧಿಯ ಬಂಡವಾಳ ಲಾಭಗಳು
- ದೀರ್ಘಾವಧಿಯ ಬಂಡವಾಳ ಲಾಭಗಳು
ದೀರ್ಘಾವಧಿಯ ಬಾಂಡ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಹೇಗೆ?
2022 ರಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಉತ್ತಮ ದೀರ್ಘಕಾಲೀನ ಬಾಂಡ್ ಫಂಡ್‌ಗಳು
ಆನ್‌ಲೈನ್‌ನಲ್ಲಿ ದೀರ್ಘಾವಧಿಯ ಬಾಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಹೇಗೆ?
Top 10 Debt - Government Bond Funds

ದೀರ್ಘಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು- ನೀವು ಯಾವಾಗ ಹೂಡಿಕೆ ಮಾಡಬೇಕು?

Updated on November 20, 2024 , 11247 views

ದೀರ್ಘಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು ಒಂದು ರೀತಿಯ ಸಾಲವಾಗಿದೆಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ಕಾರ್ಪೊರೇಟ್ ಹೂಡಿಕೆ ಎಂದುಬಾಂಡ್ಗಳು ಮತ್ತು ದೀರ್ಘಾವಧಿಯ ಮೆಚುರಿಟಿ ಅವಧಿಯನ್ನು ಹೊಂದಿರುವ ಸರ್ಕಾರಿ ಭದ್ರತೆಗಳು (g-secs). ಈ ನಿಧಿಗಳ ಸರಾಸರಿ ಮುಕ್ತಾಯವು 3 ವರ್ಷಗಳನ್ನು ಮೀರಿದೆ, ಹೆಚ್ಚಿನ ಬಾರಿ. ಅದಕ್ಕಾಗಿಯೇ, ಮಧ್ಯಮದಿಂದ ದೀರ್ಘಾವಧಿಯವರೆಗೆ ಮಾಡಲು ಬಯಸುವ ಹೂಡಿಕೆದಾರರಿಗೆ ಈ ನಿಧಿಗಳು ಸೂಕ್ತವಾಗಿವೆಹೂಡಿಕೆ ಯೋಜನೆ ಅಂದರೆ, ಸಾಮಾನ್ಯವಾಗಿ 3-5 ವರ್ಷಗಳು ಅಥವಾ ಅದಕ್ಕಿಂತ ಹೆಚ್ಚು ಕಾಲ. ದೀರ್ಘಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು ಹೇಗೆ ಕಾರ್ಯನಿರ್ವಹಿಸುತ್ತವೆ ಮತ್ತು 2022 ರಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಉತ್ತಮವಾದ ದೀರ್ಘಾವಧಿಯ ಬಾಂಡ್‌ಗಳ ನಿಧಿಗಳು ಯಾವುವು ಎಂಬುದನ್ನು ಅರ್ಥಮಾಡಿಕೊಳ್ಳೋಣ.

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ದೀರ್ಘಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು- ದೀರ್ಘಾವಧಿಯ ಹೂಡಿಕೆಯ ಯೋಜನೆ

ದೀರ್ಘಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು ತಮ್ಮ ಪ್ರಮುಖ ಹೂಡಿಕೆ ಮಾಡುತ್ತವೆಆಧಾರವಾಗಿರುವ ಕಾರ್ಪೊರೇಟ್ ಡಿಬೆಂಚರ್‌ಗಳು, ಬಾಂಡ್‌ಗಳು ಮತ್ತು ಸಾಲ ಸಾಧನಗಳಲ್ಲಿನ ಆಸ್ತಿಹಣದ ಮಾರುಕಟ್ಟೆ ಹೆಚ್ಚಿನ ಮೆಚುರಿಟಿ ಅವಧಿಯೊಂದಿಗೆ ಉಪಕರಣಗಳು ಮತ್ತು ಸರ್ಕಾರಿ ಭದ್ರತೆಗಳು. ಹೂಡಿಕೆದಾರರು 3 ವರ್ಷಗಳಿಗಿಂತ ಹೆಚ್ಚಿನ ಹೂಡಿಕೆಯ ಅವಧಿಯನ್ನು ಹೊಂದಿದ್ದರೆ ದೀರ್ಘಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬೇಕು. ಅಲ್ಲದೆ, ಈ ನಿಧಿಯು ಹೂಡಿಕೆಯಲ್ಲಿ ಸ್ವಲ್ಪ ಮಟ್ಟದ ಅಪಾಯವನ್ನು ತೆಗೆದುಕೊಳ್ಳಲು ಸಿದ್ಧರಿರುವ ಹೂಡಿಕೆದಾರರಿಗೆ ಮಾತ್ರ ಸೂಕ್ತವಾಗಿದೆ.

ದೀರ್ಘಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳು ಬಡ್ಡಿದರದಲ್ಲಿನ ಬದಲಾವಣೆಗಳಿಗೆ ಸೂಕ್ಷ್ಮವಾಗಿರುತ್ತವೆ ಮತ್ತು ಇತರ ವರ್ಗಗಳ ಸಾಲ ನಿಧಿಗಳಿಗಿಂತ ಹೆಚ್ಚು ಬಾಷ್ಪಶೀಲವಾಗಿರುತ್ತವೆ. ಸಾಲದ ಉಪಕರಣಗಳ ಬಡ್ಡಿದರಗಳು ಮತ್ತು ಬೆಲೆಗಳು ವಿಲೋಮ ಸಂಬಂಧವನ್ನು ಹೊಂದಿವೆ, ಅಂದರೆ ಅವು ವಿರುದ್ಧ ದಿಕ್ಕಿನಲ್ಲಿ ಚಲಿಸುತ್ತವೆ. ಉದಾಹರಣೆಗೆ, ಬೀಳುವ ಬಡ್ಡಿ ದರವು ಸಾಲ ನಿಧಿಗಳು ಅಥವಾ ಬಾಂಡ್ ನಿಧಿಗಳಿಗೆ ಒಳ್ಳೆಯದು. ದೀರ್ಘಕಾಲದಆದಾಯ ಬಡ್ಡಿದರಗಳು ಕೆಳಮುಖವಾಗಿ ಚಲಿಸುವಾಗ ನಿಧಿಗಳು ಸಾಮಾನ್ಯವಾಗಿ ಪ್ರಯೋಜನ ಪಡೆಯುತ್ತವೆ. ಇದಲ್ಲದೆ, ಬಡ್ಡಿದರದ ಕುಸಿತದ ಸಮಯದಲ್ಲಿ, ಬಾಂಡ್ ಬೆಲೆಗಳು ಹೆಚ್ಚಾಗುತ್ತವೆ ಮತ್ತು ಇದು ಉತ್ತೇಜನಗೊಳ್ಳುತ್ತದೆNAV ಗಳು ಅದರಸಾಲ ನಿಧಿ ಯೋಜನೆಗಳು.

ಬೀಳುವ ಬಡ್ಡಿದರದ ಸನ್ನಿವೇಶದಲ್ಲಿ, ಅಂತಹ ಬಾಂಡ್‌ಗಳ ಸರಾಸರಿ ಮೆಚುರಿಟಿಗಳು ಸುಮಾರು 7-10 ವರ್ಷಗಳವರೆಗೆ ಹೋಗಬಹುದು. ಬಡ್ಡಿದರಗಳು ಏರಿದಾಗ, ಅವರು ಕಡಿಮೆ ಅವಧಿಯ ಸೆಕ್ಯುರಿಟಿಗಳನ್ನು ಸಂಗ್ರಹಿಸುತ್ತಾರೆ ಮತ್ತು ಪೋರ್ಟ್ಫೋಲಿಯೊದ ಸರಾಸರಿ ಮುಕ್ತಾಯವನ್ನು ಕಡಿಮೆ ಮಾಡುತ್ತಾರೆ.

ಹೆಚ್ಚಾಗಿ, ಬಡ್ಡಿದರಗಳು ಕಡಿಮೆಯಾಗುವ ನಿರೀಕ್ಷೆಯಿರುವಾಗ ದೀರ್ಘಾವಧಿಯ ಬಾಂಡ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಸಲಹೆ ನೀಡಲಾಗುತ್ತದೆ ಏಕೆಂದರೆ ಬಡ್ಡಿದರಗಳಲ್ಲಿನ ಇಳಿಕೆಯು ದೀರ್ಘಾವಧಿಯ ಸೆಕ್ಯೂರಿಟಿಗಳ ಬೆಲೆಗಳಲ್ಲಿ ಏರಿಕೆಗೆ ಕಾರಣವಾಗುತ್ತದೆ. ಏರಿಳಿತದ ಬಡ್ಡಿದರಗಳೊಂದಿಗೆ ಆರಾಮದಾಯಕವಾಗಿರುವ ಹೂಡಿಕೆದಾರರುಮಾರುಕಟ್ಟೆ, ಮಾತ್ರ ಆದ್ಯತೆ ನೀಡಬೇಕುಹೂಡಿಕೆ ದೀರ್ಘಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳಲ್ಲಿ.

ರಿಟರ್ನ್ಸ್ ಮತ್ತು ರಿಸ್ಕ್

ಈ ನಿಧಿಗಳು ಹೆಚ್ಚಿನ ಆದಾಯವನ್ನು ನೀಡಲು ಉದ್ದೇಶಿಸಲಾಗಿದೆಬ್ಯಾಂಕ್ ಸ್ಥಿರ ಠೇವಣಿ. ಇದಲ್ಲದೆ, ಮೂರು ವರ್ಷಗಳಿಗಿಂತ ಹೆಚ್ಚು ಕಾಲ ಹಿಡಿದಿಟ್ಟುಕೊಂಡರೆ, ಆದಾಯವು ಹೆಚ್ಚು ತೆರಿಗೆ ಪರಿಣಾಮಕಾರಿಯಾಗಿದೆ. ಆದರೆ, ಅಪಾಯದ ಬದಿಯಲ್ಲಿ, ಬಡ್ಡಿದರಗಳು ಇದ್ದಕ್ಕಿದ್ದಂತೆ ದಿಕ್ಕನ್ನು ಬದಲಾಯಿಸಿದಾಗ ಈ ನಿಧಿಗಳು ಬಾಷ್ಪಶೀಲವಾಗಬಹುದು. ನಿರಂತರ ಏರುತ್ತಿರುವ ಬಡ್ಡಿದರದ ಆಡಳಿತದಲ್ಲಿ, ಈ ನಿಧಿಗಳು ಸಾಧಾರಣ ಆದಾಯವನ್ನು ನೀಡುತ್ತವೆ ಏಕೆಂದರೆ ಅವುಗಳು ದೀರ್ಘಾವಧಿಯ ಬಾಂಡ್‌ಗಳನ್ನು ಮಾರಾಟ ಮಾಡಲು ಮತ್ತು ಕಡಿಮೆ ಅವಧಿಯ ಸ್ಕ್ರಿಪ್ಟ್‌ಗಳಿಗೆ ಬದಲಾಯಿಸಲು ಸಾಧ್ಯವಿಲ್ಲ.

ದೀರ್ಘಾವಧಿಯ ಸಾಲ ನಿಧಿಗಳ ತೆರಿಗೆ

ಸಾಲ ನಿಧಿಗಳ ಮೇಲಿನ ತೆರಿಗೆ ಪರಿಣಾಮಗಳನ್ನು ಈ ಕೆಳಗಿನ ರೀತಿಯಲ್ಲಿ ಗಣಿಸಲಾಗಿದೆ-

ಅಲ್ಪಾವಧಿಯ ಬಂಡವಾಳ ಲಾಭಗಳು

ಸಾಲ ಹೂಡಿಕೆಯ ಹಿಡುವಳಿ ಅವಧಿಯು 36 ತಿಂಗಳುಗಳಿಗಿಂತ ಕಡಿಮೆಯಿದ್ದರೆ, ಅದನ್ನು ಅಲ್ಪಾವಧಿಯ ಹೂಡಿಕೆ ಎಂದು ವರ್ಗೀಕರಿಸಲಾಗುತ್ತದೆ ಮತ್ತು ಇವುಗಳನ್ನು ವ್ಯಕ್ತಿಯ ತೆರಿಗೆ ಸ್ಲ್ಯಾಬ್‌ನ ಪ್ರಕಾರ ತೆರಿಗೆ ವಿಧಿಸಲಾಗುತ್ತದೆ.

ದೀರ್ಘಾವಧಿಯ ಬಂಡವಾಳ ಲಾಭಗಳು

ಸಾಲ ಹೂಡಿಕೆಯ ಹಿಡುವಳಿ ಅವಧಿಯು 36 ತಿಂಗಳುಗಳಿಗಿಂತ ಹೆಚ್ಚಿದ್ದರೆ, ಅದನ್ನು ದೀರ್ಘಾವಧಿಯ ಹೂಡಿಕೆ ಎಂದು ವರ್ಗೀಕರಿಸಲಾಗುತ್ತದೆ ಮತ್ತು ಸೂಚ್ಯಂಕ ಪ್ರಯೋಜನದೊಂದಿಗೆ 20% ತೆರಿಗೆ ವಿಧಿಸಲಾಗುತ್ತದೆ.

ಬಂಡವಾಳ ಲಾಭಗಳು	ಹೂಡಿಕೆ ಹಿಡುವಳಿ ಲಾಭಗಳು	ತೆರಿಗೆ
ಅಲ್ಪಾವಧಿಬಂಡವಾಳದಲ್ಲಿ ಲಾಭ	36 ತಿಂಗಳಿಗಿಂತ ಕಡಿಮೆ	ವ್ಯಕ್ತಿಯ ತೆರಿಗೆ ಸ್ಲ್ಯಾಬ್ ಪ್ರಕಾರ
ದೀರ್ಘಾವಧಿಯ ಬಂಡವಾಳ ಲಾಭಗಳು	36 ತಿಂಗಳಿಗಿಂತ ಹೆಚ್ಚು	20% ಸೂಚ್ಯಂಕ ಪ್ರಯೋಜನಗಳೊಂದಿಗೆ

ದೀರ್ಘಾವಧಿಯ ಬಾಂಡ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಹೇಗೆ?

ಹೂಡಿಕೆದಾರರು ಎರಡು ರೀತಿಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದು-SIP ಅಥವಾ ಒಟ್ಟು ಮೊತ್ತ. ಸರಾಸರಿ ಹೂಡಿಕೆದಾರರಿಗೆ, SIP (ವ್ಯವಸ್ಥಿತ ಹೂಡಿಕೆ ಯೋಜನೆ) ಅತ್ಯಂತ ಕಾರ್ಯಸಾಧ್ಯವಾದ ಆಯ್ಕೆಯಾಗಿದೆ. ಇದು ನಿಮಗೆ ಮಾಸಿಕ/ತ್ರೈಮಾಸಿಕ/ವಾರ್ಷಿಕವಾಗಿ ಹೂಡಿಕೆ ಮಾಡುವ ವ್ಯವಸ್ಥಿತ ಆಯ್ಕೆಯನ್ನು ನೀಡುತ್ತದೆಆಧಾರ. ಒಟ್ಟು ಮೊತ್ತದಲ್ಲಿ, ಹೂಡಿಕೆದಾರರು ಯೋಜನೆಯಲ್ಲಿ ಒಂದು ಬಾರಿ ಡೌನ್ ಪೇಮೆಂಟ್ ಆಗಿ ಗಣನೀಯ ಮೊತ್ತವನ್ನು ಹೂಡಿಕೆ ಮಾಡಬೇಕು. ಒಟ್ಟು ಮೊತ್ತಕ್ಕೆ ಕನಿಷ್ಠ ಹೂಡಿಕೆ ಮೊತ್ತವು INR 5000 ಆಗಿದೆ, ಆದರೆ SIP ಗೆ ಇದು INR 500 ಆಗಿದೆ.

2022 ರಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಉತ್ತಮ ದೀರ್ಘಕಾಲೀನ ಬಾಂಡ್ ಫಂಡ್‌ಗಳು

Fund	NAV	Net Assets (Cr)	Min Investment	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2023 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
IDFC Government Securities Fund - Investment Plan Growth	₹33.8179 ↓ 0.00	₹3,206	5,000	1,000	0.6	4	11	5.9	6.8	7.07%	11Y 11M 5D	28Y 8M 1D
DSP BlackRock Government Securities Fund Growth	₹91.4293 ↓ -0.02	₹1,539	1,000	500	1	4.2	10.2	6.2	7.1	7.04%	11Y 11M 1D
Axis Gilt Fund Growth	₹24.2832 ↓ -0.01	₹696	5,000	1,000	1.2	4.2	10.2	6	7.1	6.98%	10Y 29D	23Y 7M 6D
Invesco India Gilt Fund Growth	₹2,709.71 ↓ -0.56	₹1,106	5,000	100	0.8	3.8	10.2	5.9	6.6	7.04%	10Y 8M 26D	25Y 11M 12D
Edelweiss Government Securities Fund Growth	₹23.4559 ↓ -0.01	₹199	5,000	1,000	0.9	3.7	9.9	5.8	6.2	6.92%	8Y 2M 1D	16Y 9M 3D
Aditya Birla Sun Life Government Securities Fund Growth	₹77.6114 ↓ -0.02	₹2,304	1,000	1,000	0.9	3.7	9.4	5.7	7.1	6.92%	9Y 11D	18Y 10M 2D
Nippon India Gilt Securities Fund Growth	₹36.3431 ↓ -0.02	₹2,094	5,000	100	1	3.8	9.1	5.4	6.7	7.04%	9Y 3M 14D	20Y 3M 11D
PGIM India Gilt Fund Growth	₹28.8389 ↓ -0.01	₹116	5,000	1,000	0.9	3.8	9	5.4	6.6	6.99%	8Y 10M 28D	17Y 9M 11D
Canara Robeco Gilt Fund Growth	₹72.1365 ↓ -0.02	₹121	5,000	1,000	0.8	3.7	8.9	5.5	6.5	7.02%	10Y 3M 16D	25Y 5M 17D
UTI Gilt Fund Growth	₹59.7295 ↓ -0.03	₹663	5,000	500	0.9	3.6	8.9	5.7	6.7	6.87%	7Y 6M 22D	14Y 11M 12D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Nov 24

1. 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 7.9% since its launch. Ranked 14 in Government Bond category. Return for 2023 was 6.8% , 2022 was 1.4% and 2021 was 2.1% .

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 (22 Nov 24)	₹33.8179 ↓ 0.00 (-0.01 %)
Net Assets (Cr)	₹3,206 on 31 Oct 24
Category	Debt - Government Bond
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.19
Sharpe Ratio	1.42
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.07%
Effective Maturity	28 Years 8 Months 1 Day
Modified Duration	11 Years 11 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹11,355
31 Oct 21	₹11,658
31 Oct 22	₹11,710
31 Oct 23	₹12,387
31 Oct 24	₹13,967

IDFC Government Securities Fund - Investment Plan SIP 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 22 Nov 24

Duration	Returns
1 Month	-0.6%
3 Month	0.6%
6 Month	4%
1 Year	11%
3 Year	5.9%
5 Year	6.8%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.8%
2022	1.4%
2021	2.1%
2020	13.7%
2019	13.3%
2018	7.8%
2017	3.1%
2016	13.9%
2015	6%
2014	16.5%

Fund Manager information for IDFC Government Securities Fund - Investment Plan

Name	Since	Tenure
Suyash Choudhary	15 Oct 10	14.05 Yr.
Brijesh Shah	10 Jun 24	0.39 Yr.

Data below for IDFC Government Securities Fund - Investment Plan as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	1.9%
Debt	98.1%

Debt Sector Allocation

Sector	Value
Government	98.1%
Cash Equivalent	1.9%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.30 Goi 19062053 Sovereign Bonds \| -	98%	₹3,021 Cr	287,500,000 ↑ 18,400,000
7.17% Govt Stock 08012028 Sovereign Bonds \| -	0%	₹0 Cr	6,300
Net Current Assets Net Current Assets \| -	2%	₹56 Cr
Triparty Repo Trp_011024 CBLO/Reverse Repo \| -	0%	₹2 Cr
Cash Margin - Ccil CBLO/Reverse Repo \| -	0%	₹0 Cr

2. 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 2023 was 7.1% , 2022 was 2.7% and 2021 was 3.1% .

Below is the key information for DSP BlackRock Government Securities Fund

DSP BlackRock Government Securities Fund Growth
Launch Date	30 Sep 99
NAV (22 Nov 24)	₹91.4293 ↓ -0.02 (-0.02 %)
Net Assets (Cr)	₹1,539 on 31 Oct 24
Category	Debt - Government Bond
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.1
Sharpe Ratio	1.39
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
Modified Duration	11 Years 11 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹11,277
31 Oct 21	₹11,672
31 Oct 22	₹11,885
31 Oct 23	₹12,633
31 Oct 24	₹14,110

DSP BlackRock Government Securities Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 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 22 Nov 24

Duration	Returns
1 Month	-0.5%
3 Month	1%
6 Month	4.2%
1 Year	10.2%
3 Year	6.2%
5 Year	7%
10 Year
15 Year
Since launch	9.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.1%
2022	2.7%
2021	3.1%
2020	13.1%
2019	12.5%
2018	7.4%
2017	1.4%
2016	15.3%
2015	6.2%
2014	15%

Fund Manager information for DSP BlackRock Government Securities Fund

Name	Since	Tenure
Sandeep Yadav	1 Aug 24	0.25 Yr.
Shantanu Godambe	1 Jun 23	1.42 Yr.

Data below for DSP BlackRock Government Securities Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	0.9%
Debt	99.1%

Debt Sector Allocation

Sector	Value
Government	99.1%
Cash Equivalent	0.9%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	35%	₹534 Cr	51,000,000 ↑ 8,000,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	20%	₹315 Cr	29,500,000 ↓ -7,000,000
7.12% State Government Of Maharashtra 2043 Sovereign Bonds \| -	13%	₹201 Cr	20,000,000
7.14% Madhya Pradesh SDL 2043 Sovereign Bonds \| -	8%	₹126 Cr	12,500,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	7%	₹113 Cr	11,000,000 ↑ 2,500,000
7.26% Maharashtra SDL 2050 Sovereign Bonds \| -	7%	₹102 Cr	10,000,000
7.46% Govt Stock 2073 Sovereign Bonds \| -	4%	₹55 Cr	5,000,000
7.85% MP Sdl 2032 Sovereign Bonds \| -	3%	₹54 Cr	5,000,000
7.22% Maharashtra SDL 2049 Sovereign Bonds \| -	1%	₹15 Cr	1,500,000
6.76% Govt Stock 2061 Sovereign Bonds \| -	1%	₹10 Cr	1,000,000

3. 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 7.2% since its launch. Ranked 16 in Government Bond category. Return for 2023 was 7.1% , 2022 was 2.4% and 2021 was 2.4% .

Below is the key information for Axis Gilt Fund

Axis Gilt Fund Growth
Launch Date	23 Jan 12
NAV (22 Nov 24)	₹24.2832 ↓ -0.01 (-0.03 %)
Net Assets (Cr)	₹696 on 15 Nov 24
Category	Debt - Government Bond
AMC	Axis Asset Management Company Limited
Rating	☆
Risk	Moderate
Expense Ratio	0.79
Sharpe Ratio	1.77
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.98%
Effective Maturity	23 Years 7 Months 6 Days
Modified Duration	10 Years 29 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹11,269
31 Oct 21	₹11,609
31 Oct 22	₹11,827
31 Oct 23	₹12,488
31 Oct 24	₹13,917

Axis Gilt Fund SIP 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 22 Nov 24

Duration	Returns
1 Month	-0.2%
3 Month	1.2%
6 Month	4.2%
1 Year	10.2%
3 Year	6%
5 Year	6.8%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.1%
2022	2.4%
2021	2.4%
2020	13.1%
2019	12%
2018	5.3%
2017	1.4%
2016	13.7%
2015	6.3%
2014	15%

Fund Manager information for Axis Gilt Fund

Name	Since	Tenure
Devang Shah	5 Nov 12	11.99 Yr.
Sachin Jain	1 Feb 23	1.75 Yr.

Data below for Axis Gilt Fund as on 15 Nov 24

Asset Allocation

Asset Class	Value
Cash	13.06%
Debt	86.94%

Debt Sector Allocation

Sector	Value
Government	86.94%
Cash Equivalent	13.06%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	31%	₹210 Cr	20,000,000 ↑ 11,000,000
7.10%Goi 08/04/2034 Sovereign Bonds \| -	19%	₹128 Cr	12,500,000 ↑ 3,000,000
7.30 Goi 19062053 Sovereign Bonds \| -	14%	₹94 Cr	9,000,000 ↓ -7,500,000
07.18 Goi 14082033 Sovereign Bonds \| -	10%	₹70 Cr	6,800,000 ↑ 6,000,000
7.23% Goi 15/04/2039 Sovereign Bonds \| -	7%	₹44 Cr	4,200,000 ↓ -6,000,000
7.25% Govt Stock 2063 Sovereign Bonds \| -	2%	₹16 Cr	1,500,000
Maharashtra (Government of) 7.45% - \| -	2%	₹11 Cr	1,083,700
07.18 Goi 24072037 Sovereign Bonds \| -	1%	₹7 Cr	700,000
7.39 CG Sdl 2033 Sovereign Bonds \| -	0%	₹2 Cr	235,700
Net Receivables / (Payables) CBLO \| -	9%	₹63 Cr

4. 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 6.1% since its launch. Ranked 10 in Government Bond category. Return for 2023 was 6.6% , 2022 was 2.3% and 2021 was 0.7% .

Below is the key information for Invesco India Gilt Fund

Invesco India Gilt Fund Growth
Launch Date	9 Feb 08
NAV (22 Nov 24)	₹2,709.71 ↓ -0.56 (-0.02 %)
Net Assets (Cr)	₹1,106 on 31 Oct 24
Category	Debt - Government Bond
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.2
Sharpe Ratio	1.38
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.04%
Effective Maturity	25 Years 11 Months 12 Days
Modified Duration	10 Years 8 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,776
31 Oct 21	₹10,841
31 Oct 22	₹11,035
31 Oct 23	₹11,660
31 Oct 24	₹13,020

Invesco India Gilt Fund SIP 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 22 Nov 24

Duration	Returns
1 Month	-0.4%
3 Month	0.8%
6 Month	3.8%
1 Year	10.2%
3 Year	5.9%
5 Year	5.3%
10 Year
15 Year
Since launch	6.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.6%
2022	2.3%
2021	0.7%
2020	8.2%
2019	9.6%
2018	6.2%
2017	1.2%
2016	16.6%
2015	4.2%
2014	17%

Fund Manager information for Invesco India Gilt Fund

Name	Since	Tenure
Krishna Cheemalapati	27 Jul 21	3.27 Yr.
Vikas Garg	26 Sep 20	4.1 Yr.

Data below for Invesco India Gilt Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	2.82%
Debt	97.18%

Debt Sector Allocation

Sector	Value
Government	97.18%
Cash Equivalent	2.82%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.30 Goi 19062053 Sovereign Bonds \| -	25%	₹314 Cr	30,000,000
07.09 Goi 05082054 Sovereign Bonds \| -	23%	₹285 Cr	27,900,200 ↑ 2,000,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	16%	₹195 Cr	18,500,000 ↑ 3,500,000
7.23% Goi 15/04/2039 Sovereign Bonds \| -	15%	₹192 Cr	18,500,000 ↓ -3,500,000
07.18 Goi 24072037 Sovereign Bonds \| -	9%	₹118 Cr	11,500,000
7.46% Govt Stock 2073 Sovereign Bonds \| -	5%	₹64 Cr	6,000,000
7.10%Goi 08/04/2034 Sovereign Bonds \| -	4%	₹46 Cr	4,500,000 ↑ 4,500,000
6.79 Goi 2034 Sovereign Bonds \| -	0%	₹0 Cr	12,900 ↑ 12,900
Triparty Repo CBLO/Reverse Repo \| -	2%	₹19 Cr
Net Receivables / (Payables) Net Current Assets \| -	1%	₹16 Cr

5. Edelweiss Government Securities Fund

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 CAGR/Annualized return of 8.2% since its launch. Ranked 18 in Government Bond category. Return for 2023 was 6.2% , 2022 was 2.5% and 2021 was 4.1% .

Below is the key information for Edelweiss Government Securities Fund

Edelweiss Government Securities Fund Growth
Launch Date	13 Feb 14
NAV (22 Nov 24)	₹23.4559 ↓ -0.01 (-0.05 %)
Net Assets (Cr)	₹199 on 31 Oct 24
Category	Debt - Government Bond
AMC	Edelweiss Asset Management Limited
Rating	☆☆
Risk	Moderate
Expense Ratio	1.21
Sharpe Ratio	1.56
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	6.92%
Effective Maturity	16 Years 9 Months 3 Days
Modified Duration	8 Years 2 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹11,201
31 Oct 21	₹11,791
31 Oct 22	₹11,959
31 Oct 23	₹12,621
31 Oct 24	₹14,055

Edelweiss Government Securities Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Edelweiss 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 22 Nov 24

Duration	Returns
1 Month	-0.3%
3 Month	0.9%
6 Month	3.7%
1 Year	9.9%
3 Year	5.8%
5 Year	7%
10 Year
15 Year
Since launch	8.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.2%
2022	2.5%
2021	4.1%
2020	13.6%
2019	10.7%
2018	6.8%
2017	4.2%
2016	12.5%
2015	5.8%
2014

Fund Manager information for Edelweiss Government Securities Fund

Name	Since	Tenure
Rahul Dedhia	23 Nov 21	2.94 Yr.
Hetul Raval	1 Jul 24	0.34 Yr.

Data below for Edelweiss Government Securities Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	16.92%
Debt	83.08%

Debt Sector Allocation

Sector	Value
Government	83.08%
Cash Equivalent	16.92%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.3% Govt Stock 2053 Sovereign Bonds \| -	42%	₹83 Cr	8,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	26%	₹51 Cr	5,000,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	15%	₹31 Cr	3,000,000
08.38 GJ Sdl 2029 Sovereign Bonds \| -	0%	₹0 Cr	9,100
Clearing Corporation Of India Ltd. CBLO/Reverse Repo \| -	15%	₹31 Cr
Accrued Interest CBLO \| -	1%	₹3 Cr
Net Receivables/(Payables) CBLO/Reverse Repo \| -	0%	₹0 Cr
07.18 Goi 14082033 Sovereign Bonds \| -		₹0 Cr	00 ↓ -3,000,000

6. Aditya Birla Sun Life Government Securities Fund

(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 2023 was 7.1% , 2022 was 1.7% and 2021 was 3.6% .

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 (22 Nov 24)	₹77.6114 ↓ -0.02 (-0.02 %)
Net Assets (Cr)	₹2,304 on 31 Oct 24
Category	Debt - Government Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.05
Sharpe Ratio	1.36
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	0-90 Days (0.5%),90 Days and above(NIL)
Yield to Maturity	6.92%
Effective Maturity	18 Years 10 Months 2 Days
Modified Duration	9 Years 11 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹11,160
31 Oct 21	₹11,582
31 Oct 22	₹11,705
31 Oct 23	₹12,426
31 Oct 24	₹13,762

Aditya Birla Sun Life Government Securities Fund SIP 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 22 Nov 24

Duration	Returns
1 Month	-0.3%
3 Month	0.9%
6 Month	3.7%
1 Year	9.4%
3 Year	5.7%
5 Year	6.5%
10 Year
15 Year
Since launch	8.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.1%
2022	1.7%
2021	3.6%
2020	12.1%
2019	11%
2018	6.9%
2017	4.4%
2016	16.7%
2015	5.7%
2014	19.9%

Fund Manager information for Aditya Birla Sun Life Government Securities Fund

Name	Since	Tenure
Bhupesh Bameta	6 Aug 20	4.24 Yr.
Dhaval Joshi	21 Nov 22	1.95 Yr.

Data below for Aditya Birla Sun Life Government Securities Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	3.69%
Debt	96.31%

Debt Sector Allocation

Sector	Value
Government	96.31%
Cash Equivalent	3.69%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.30 Goi 19062053 Sovereign Bonds \| -	50%	₹1,123 Cr	107,179,750
07.18 Goi 14082033 Sovereign Bonds \| -	26%	₹585 Cr	57,000,000 ↑ 6,500,000
7.26% Govt Stock 2033 Sovereign Bonds \| -	13%	₹283 Cr	27,525,000
07.18 Goi 24072037 Sovereign Bonds \| -	6%	₹133 Cr	12,923,050 ↑ 5,000,000
7.10%Goi 08/04/2034 Sovereign Bonds \| -	2%	₹51 Cr	5,000,000 ↑ 5,000,000
5.63% Govt Stock 2026 Sovereign Bonds \| -	0%	₹1 Cr	65,000
Net Receivables / (Payables) Net Current Assets \| -	2%	₹52 Cr
Clearing Corporation Of India Limited CBLO/Reverse Repo \| -	1%	₹31 Cr

7. Nippon India Gilt Securities Fund

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 8.2% since its launch. Ranked 2 in Government Bond category. Return for 2023 was 6.7% , 2022 was 2.1% and 2021 was 1.8% .

Below is the key information for Nippon India Gilt Securities Fund

Nippon India Gilt Securities Fund Growth
Launch Date	22 Aug 08
NAV (22 Nov 24)	₹36.3431 ↓ -0.02 (-0.05 %)
Net Assets (Cr)	₹2,094 on 31 Oct 24
Category	Debt - Government Bond
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.42
Sharpe Ratio	1.32
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	7.04%
Effective Maturity	20 Years 3 Months 11 Days
Modified Duration	9 Years 3 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹11,104
31 Oct 21	₹11,388
31 Oct 22	₹11,495
31 Oct 23	₹12,181
31 Oct 24	₹13,443

Nippon India Gilt Securities Fund SIP 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 22 Nov 24

Duration	Returns
1 Month	-0.2%
3 Month	1%
6 Month	3.8%
1 Year	9.1%
3 Year	5.4%
5 Year	6%
10 Year
15 Year
Since launch	8.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.7%
2022	2.1%
2021	1.8%
2020	11.2%
2019	12.4%
2018	8%
2017	3.4%
2016	17%
2015	6.2%
2014	18.6%

Fund Manager information for Nippon India Gilt Securities Fund

Name	Since	Tenure
Pranay Sinha	31 Mar 21	3.59 Yr.
Kinjal Desai	31 Oct 21	3.01 Yr.

Data below for Nippon India Gilt Securities Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	1.9%
Debt	98.1%

Debt Sector Allocation

Sector	Value
Government	98.1%
Cash Equivalent	1.9%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	16%	₹346 Cr	34,000,000 ↓ -2,500,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	13%	₹282 Cr	27,000,000 ↑ 3,500,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	11%	₹239 Cr	23,000,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	8%	₹177 Cr	17,500,000 ↑ 9,000,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	8%	₹168 Cr	16,500,000 ↑ 3,500,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	8%	₹165 Cr	16,500,000 ↑ 9,000,000
7.25% Govt Stock 2063 Sovereign Bonds \| -	7%	₹145 Cr	14,000,000
7.26% Govt Stock 2033 Sovereign Bonds \| -	6%	₹134 Cr	13,065,600 ↑ 500,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	6%	₹133 Cr	12,965,200 ↓ -5,000,000
6.8% Govt Stock 2060 Sovereign Bonds \| -	3%	₹58 Cr	6,000,000

8. PGIM India Gilt Fund

To generate reasonable returns by investing in Central/State Government securities of various maturities.

PGIM India Gilt Fund is a Debt - Government Bond fund was launched on 27 Oct 08. It is a fund with Moderate risk and has given a CAGR/Annualized return of 6.8% since its launch. Ranked 15 in Government Bond category. Return for 2023 was 6.6% , 2022 was 1.8% and 2021 was 2.9% .

Below is the key information for PGIM India Gilt Fund

PGIM India Gilt Fund Growth
Launch Date	27 Oct 08
NAV (22 Nov 24)	₹28.8389 ↓ -0.01 (-0.05 %)
Net Assets (Cr)	₹116 on 31 Oct 24
Category	Debt - Government Bond
AMC	Pramerica Asset Managers Private Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.46
Sharpe Ratio	1.13
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.99%
Effective Maturity	17 Years 9 Months 11 Days
Modified Duration	8 Years 10 Months 28 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,945
31 Oct 21	₹11,300
31 Oct 22	₹11,412
31 Oct 23	₹12,072
31 Oct 24	₹13,297

PGIM India Gilt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for PGIM 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 22 Nov 24

Duration	Returns
1 Month	-0.2%
3 Month	0.9%
6 Month	3.8%
1 Year	9%
3 Year	5.4%
5 Year	5.8%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.6%
2022	1.8%
2021	2.9%
2020	9.4%
2019	10.1%
2018	5.9%
2017	4%
2016	12.6%
2015	7.1%
2014	14.5%

Fund Manager information for PGIM India Gilt Fund

Name	Since	Tenure
Bhupesh Kalyani	13 Sep 22	2.13 Yr.
Puneet Pal	13 Dec 17	6.89 Yr.

Data below for PGIM India Gilt Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	10.43%
Debt	89.57%

Debt Sector Allocation

Sector	Value
Government	89.57%
Cash Equivalent	10.43%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.30 Goi 19062053 Sovereign Bonds \| -	27%	₹32 Cr	3,041,667 ↓ -1,000,000
07.09 Goi 05082054 Sovereign Bonds \| -	15%	₹18 Cr	1,752,080 ↓ -317,970
7.23% Goi 15/04/2039 Sovereign Bonds \| -	14%	₹17 Cr	1,625,000 ↑ 1,225,000
7.10%Goi 08/04/2034 Sovereign Bonds \| -	13%	₹15 Cr	1,500,000 ↑ 1,400,000
07.18 Goi 24072037 Sovereign Bonds \| -	9%	₹11 Cr	1,078,895
7.26% Govt Stock 2033 Sovereign Bonds \| -	3%	₹4 Cr	352,063
07.18 Goi 14082033 Sovereign Bonds \| -	3%	₹3 Cr	334,000 ↓ -1,000,000
8.28% Govt Stock 2027 Sovereign Bonds \| -	2%	₹3 Cr	270,000
7.26 Govt Stock 22082032 Sovereign Bonds \| -	1%	₹1 Cr	75,000
7.41% Govt Stock 2036 Sovereign Bonds \| -	0%	₹1 Cr	53,334

9. Canara Robeco Gilt Fund

(Erstwhile Canara Robeco GILT PGS)

To provide risk free return (except interest rate risk) and long term capital appreciation by investing only in Govt. Securities. However, there can be no assurance that the investment objective of the scheme will be realized.

Canara Robeco Gilt Fund is a Debt - Government Bond fund was launched on 29 Dec 99. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.3% since its launch. Ranked 6 in Government Bond category. Return for 2023 was 6.5% , 2022 was 2.3% and 2021 was 1.8% .

Below is the key information for Canara Robeco Gilt Fund

Canara Robeco Gilt Fund Growth
Launch Date	29 Dec 99
NAV (22 Nov 24)	₹72.1365 ↓ -0.02 (-0.03 %)
Net Assets (Cr)	₹121 on 31 Oct 24
Category	Debt - Government Bond
AMC	Canara Robeco Asset Management Co. Ltd.
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.24
Sharpe Ratio	1.34
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.02%
Effective Maturity	25 Years 5 Months 17 Days
Modified Duration	10 Years 3 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,974
31 Oct 21	₹11,219
31 Oct 22	₹11,364
31 Oct 23	₹12,026
31 Oct 24	₹13,260

Canara Robeco Gilt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Canara Robeco 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 22 Nov 24

Duration	Returns
1 Month	-0.4%
3 Month	0.8%
6 Month	3.7%
1 Year	8.9%
3 Year	5.5%
5 Year	5.7%
10 Year
15 Year
Since launch	8.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.5%
2022	2.3%
2021	1.8%
2020	10.3%
2019	9.9%
2018	4.9%
2017	2.9%
2016	18%
2015	6.3%
2014	16.7%

Fund Manager information for Canara Robeco Gilt Fund

Name	Since	Tenure
Avnish Jain	1 Apr 22	2.59 Yr.
Kunal Jain	18 Jul 22	2.29 Yr.

Data below for Canara Robeco Gilt Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	5.6%
Debt	94.4%

Debt Sector Allocation

Sector	Value
Government	94.4%
Cash Equivalent	5.6%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.34% Govt Stock 2064 Sovereign Bonds \| -	40%	₹48 Cr	4,600,000
7.30 Goi 19062053 Sovereign Bonds \| -	20%	₹24 Cr	2,350,000
07.18 Goi 24072037 Sovereign Bonds \| -	14%	₹17 Cr	1,678,600
7.23% Goi 15/04/2039 Sovereign Bonds \| -	9%	₹10 Cr	1,000,000
6.79 Goi 2034 Sovereign Bonds \| -	8%	₹10 Cr	1,000,000 ↑ 1,000,000
7.38% Govt Stock 2027 Sovereign Bonds \| -	2%	₹3 Cr	250,100
7.17% Govt Stock 2030 Sovereign Bonds \| -	1%	₹2 Cr	158,900
8.13% Govt Stock 2045 Sovereign Bonds \| -	0%	₹0 Cr	10,000
7.10%Goi 08/04/2034 Sovereign Bonds \| -	0%	₹0 Cr	7,950
Treps CBLO/Reverse Repo \| -	4%	₹5 Cr

10. UTI Gilt Fund

(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 8.1% since its launch. Ranked 7 in Government Bond category. Return for 2023 was 6.7% , 2022 was 2.9% and 2021 was 2.3% .

Below is the key information for UTI Gilt Fund

UTI Gilt Fund Growth
Launch Date	21 Jan 02
NAV (22 Nov 24)	₹59.7295 ↓ -0.03 (-0.05 %)
Net Assets (Cr)	₹663 on 31 Oct 24
Category	Debt - Government Bond
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	0.92
Sharpe Ratio	1.26
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.87%
Effective Maturity	14 Years 11 Months 12 Days
Modified Duration	7 Years 6 Months 22 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹11,008
31 Oct 21	₹11,320
31 Oct 22	₹11,516
31 Oct 23	₹12,204
31 Oct 24	₹13,426

UTI Gilt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 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 22 Nov 24

Duration	Returns
1 Month	-0.2%
3 Month	0.9%
6 Month	3.6%
1 Year	8.9%
3 Year	5.7%
5 Year	6%
10 Year
15 Year
Since launch	8.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	6.7%
2022	2.9%
2021	2.3%
2020	10.3%
2019	11.8%
2018	6.3%
2017	4.3%
2016	15.5%
2015	6.1%
2014	19.8%

Fund Manager information for UTI Gilt Fund

Name	Since	Tenure
Sudhir Agarwal	1 Dec 21	2.92 Yr.

Data below for UTI Gilt Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	3.83%
Debt	96.17%

Debt Sector Allocation

Sector	Value
Government	96.17%
Cash Equivalent	3.83%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	22%	₹148 Cr	1,450,000,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	18%	₹120 Cr	1,150,000,000
7.23% Govt Stock 2039 Sovereign Bonds \| -	16%	₹103 Cr	1,000,000,000 ↑ 1,000,000,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	12%	₹82 Cr	800,000,000 ↓ -1,000,000,000
7.09% Govt Stock 2054 Sovereign Bonds \| -	8%	₹56 Cr	550,000,000
7.04% Govt Stock 2029 Sovereign Bonds \| -	8%	₹51 Cr	500,000,000
7.3% Govt Stock 2053 Sovereign Bonds \| -	7%	₹47 Cr	450,000,000
7.46% Govt Stock 2073 Sovereign Bonds \| -	5%	₹32 Cr	300,000,000
Net Current Assets Net Current Assets \| -	4%	₹23 Cr
Clearing Corporation Of India Ltd. Std - Margin CBLO/Reverse Repo \| -	0%	₹2 Cr	00

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