Table of Contents
- सरकारी बाँड फंड म्हणजे काय?
- सरकारी बाँड फंडात गुंतवणूक का करावी?
- 2022 मध्ये गुंतवणूक करण्यासाठी सर्वोत्कृष्ट सरकारी बाँड म्युच्युअल फंड
- 2022 मध्ये गुंतवणूक करण्यासाठी सर्वोत्तम 10 वर्ष-सरकारी बाँड म्युच्युअल फंड
- परतावा आणि जोखीम
- सरकारी बाँड फंडात ऑनलाइन गुंतवणूक कशी करावी?
- वारंवार विचारले जाणारे प्रश्न
- 1. सरकारी रोखे म्हणजे काय?
- 2. सरकारी रोख्यांमध्ये कोण गुंतवणूक करू शकते?
- 3. सरकारी रोखे करपात्र आहेत का?
- 4. कोणतेही करमुक्त सरकारी रोखे आहेत का?
- 5. करमुक्त रोखे करपात्र आहेत का?
- 6. सरकारी रोख्यांमध्ये काही धोका आहे का?
- 7. मी सरकारी रोख्यांचे मूल्यमापन कसे करू?
- 8. सरकारी रोख्यांमध्ये गुंतवणूक करण्याचा सर्वात महत्त्वाचा फायदा कोणता आहे?
Top 4 Debt - Government Bond Funds
सर्वोत्कृष्ट सरकारी बाँड म्युच्युअल फंड 2022
घसरलेल्या व्याजदरांदरम्यान गुंतवणूक करू इच्छिता?गिल्ट फंड भारतात याचे उत्तर आहे! गिल्टम्युच्युअल फंड व्याजदर घसरण्याच्या काळात त्याच्या परिपक्वता (किंवा कालावधी) वर अवलंबून चांगले परतावा देतात. गुंतवणूकदारगुंतवणूक या फंडांमध्ये त्यांच्या गुंतवणुकीचा मागोवा घेण्यासाठी पुरेसा वेळ असणे आवश्यक आहे कारण या फंडांचे एनएव्ही व्याजदरातील हालचालींसह खूप वेगाने फिरतात. एखाद्याने त्यांच्या गुंतवणुकीच्या अचूक प्रवेश आणि निर्गमन करताना सावधगिरी बाळगणे आवश्यक आहे.
सर्वात महत्त्वाचे म्हणजे, शॉर्टलिस्ट करण्यासाठी महत्त्वाच्या पॅरामीटर्सचा विचार करणे किंवा सर्वोत्तम गिल्ट फंडांमध्ये गुंतवणूक करणे हा तुमचा पोर्टफोलिओ मजबूत करण्याचा इष्टतम मार्ग असू शकतो. सर्वोत्कृष्ट गिल्ट फंडांचे अनुसरण करून आम्ही तुम्हाला त्यापैकी काही पॅरामीटर्सकडे घेऊन जातोसर्वोत्तम कामगिरी करणारे म्युच्युअल फंड 2022 मध्ये गुंतवणूक करा.
सरकारी बाँड फंड म्हणजे काय?
कॉर्पोरेशनला त्यांच्या दैनंदिन गरजांसाठी पैशांची गरज असते आणि म्हणून बँका, म्युच्युअल फंड आणि कर्जदारांकडून कर्ज घ्या.विमा कंपन्या. त्याचप्रमाणे, जेव्हा भारत सरकारला पैशाची गरज असते तेव्हा ते आपल्या बँकर, रिझर्व्हद्वारे कर्ज घेतेबँक भारताचे (RBI).
रिझर्व्ह बँक या बदल्यात बँकांसारख्या सावकारांकडून पैसे घेते.विमा कंपन्या आणि म्युच्युअल फंड; आणि ते सरकारकडे पाठवते आणि त्या बदल्यात जी-सेक जारी करते.
या जी-सेकचा एक विशिष्ट कार्यकाळ असतो, ज्याच्या शेवटी सावकार जी-सेक परत देतात आणि त्यांचे पैसे परत घेतात. अनेक प्रकारकर्ज निधी जी-सेकमध्ये गुंतवणूक करतात परंतु जी-सेक फंड फक्त जी-सेकमध्ये गुंतवणूक करतात. 1994 मध्ये भारतीय म्युच्युअल फंड उद्योगात डेट फंडाची ओळख झाली असली तरी, कोटक महिंद्रा अॅसेट मॅनेजमेंट कंपनी लिमिटेडने डिसेंबर 1998 मध्ये भारतातील पहिला गिल्ट फंड सुरू केला.
सरकारी बाँड फंडात गुंतवणूक का करावी?
जर तुम्हाला डेट मार्केट नीट समजले असेल, तर गिल्ट फंड तुमच्यासाठी आहेत. जर तुम्हाला व्याजदर घसरण्याची अपेक्षा असेल, तर गिल्ट फंडांमध्ये एक लहानशी एक्सपोजर ही चांगली कल्पना आहे कारण, सामान्यतः, हे फंड सर्व डेट फंडापैकी सर्वात जास्त हलवतात जेव्हा व्याजदर बदलतात. लक्षात ठेवा: अशा वेळी, तुम्ही पैसे तेव्हाच कमावता जेव्हा तुम्ही खरोखर तुमचे पैसे काढता आणि कॅश करता.
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2022 मध्ये गुंतवणूक करण्यासाठी सर्वोत्कृष्ट सरकारी बाँड म्युच्युअल फंड
(Erstwhile Axis Constant Maturity 10 Year Fund) To generate returns similar to that of 10 year government bonds. Axis Gilt Fund is a Debt - Government Bond fund was launched on 23 Jan 12. It is a fund with Moderate risk and has given a Below is the key information for Axis Gilt Fund Returns up to 1 year are on The Scheme aims to generate returns through investments in Central Govt Securities. DSP BlackRock Government Securities Fund is a Debt - Government Bond fund was launched on 30 Sep 99. It is a fund with Moderate risk and has given a Below is the key information for DSP BlackRock Government Securities Fund Returns up to 1 year are on IDFC – GSF -IP is an open ended dedicated gilt scheme with an objective to generate optimal returns with high liquidity by investing in Government Securities.However there is no assurance that the investment objective of the scheme will be realized. IDFC Government Securities Fund - Investment Plan is a Debt - Government Bond fund was launched on 3 Dec 08. It is a fund with Moderate risk and has given a Below is the key information for IDFC Government Securities Fund - Investment Plan Returns up to 1 year are on (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 Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2023 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Axis Gilt Fund Growth ₹25.4683
↑ 0.20 ₹912 3.9 4.3 11 7.6 10 7.11% 9Y 9M 14D 22Y 9M DSP BlackRock Government Securities Fund Growth ₹95.7425
↑ 0.78 ₹1,699 3.9 3.8 10.5 7.9 10.1 7.09% 11Y 2M 12D 28Y 11M 16D IDFC Government Securities Fund - Investment Plan Growth ₹35.3643
↑ 0.29 ₹3,570 3.8 3.2 10.4 7.1 10.6 7.24% 11Y 10M 17D 28Y 3M 18D SBI Magnum Gilt Fund Growth ₹65.8513
↑ 0.52 ₹11,257 3.8 3.9 10.3 8.1 8.9 7.11% 9Y 11M 1D 23Y 10M 28D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Apr 25 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 (02 Apr 25) ₹25.4683 ↑ 0.20 (0.80 %) 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 2 Apr 25 Duration Returns 1 Month 3.5% 3 Month 3.9% 6 Month 4.3% 1 Year 11% 3 Year 7.6% 5 Year 6.9% 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 (02 Apr 25) ₹95.7425 ↑ 0.78 (0.82 %) 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 2 Apr 25 Duration Returns 1 Month 3.7% 3 Month 3.9% 6 Month 3.8% 1 Year 10.5% 3 Year 7.9% 5 Year 7% 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. 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 (02 Apr 25) ₹35.3643 ↑ 0.29 (0.82 %) 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 2 Apr 25 Duration Returns 1 Month 3.9% 3 Month 3.8% 6 Month 3.2% 1 Year 10.4% 3 Year 7.1% 5 Year 6.7% 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 4. 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 (02 Apr 25) ₹65.8513 ↑ 0.52 (0.80 %) 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 2 Apr 25 Duration Returns 1 Month 3.3% 3 Month 3.8% 6 Month 3.9% 1 Year 10.3% 3 Year 8.1% 5 Year 7% 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
2022 मध्ये गुंतवणूक करण्यासाठी सर्वोत्तम 10 वर्ष-सरकारी बाँड म्युच्युअल फंड
(Erstwhile IDFC Government Securities Fund - Short Term Plan) IDFC – GSF -ST is an open ended dedicated gilt scheme with an objective to generate optimal returns with high liquidity by investing Government Securities.
However there is no assurance that the investment objective of the scheme will be realized. IDFC Government Securities Fund - Constant Maturity Plan is a Debt - 10 Yr Govt Bond fund was launched on 9 Mar 02. It is a fund with Moderate risk and has given a Below is the key information for IDFC Government Securities Fund - Constant Maturity Plan Returns up to 1 year are on The Scheme aims to provide reasonable returns by investing in portfolio of Government Securities with average maturity of around 10 years. However, there can be no assurance that the investment objective of the
Scheme will be realized. ICICI Prudential Constant Maturity Gilt Fund is a Debt - 10 Yr Govt Bond fund was launched on 12 Sep 14. It is a fund with Moderate risk and has given a Below is the key information for ICICI Prudential Constant Maturity Gilt Fund Returns up to 1 year are on (Erstwhile SBI Magnum Gilt Fund Short Term) To provide the investors with the returns generated through investments in government securities issued by the Central Govt. and State Govt. SBI Magnum Constant Maturity Fund is a Debt - 10 Yr Govt Bond fund was launched on 30 Dec 00. It is a fund with Moderately Low risk and has given a Below is the key information for SBI Magnum Constant Maturity Fund Returns up to 1 year are on (Erstwhile DSP BlackRock Constant Maturity 10Y G-Sec Fund) The investment objective of the Scheme is to seek to generate returns commensurate with risk from a portfolio of Government Securities with weighted average maturity of around 10 years. There is no assurance that the investment objective of the Scheme will be realized. DSP BlackRock 10Y G-Sec Fund is a Debt - 10 Yr Govt Bond fund was launched on 26 Sep 14. It is a fund with Moderate risk and has given a Below is the key information for DSP BlackRock 10Y G-Sec Fund Returns up to 1 year are on Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2023 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity IDFC Government Securities Fund - Constant Maturity Plan Growth ₹45.1186
↑ 0.30 ₹340 3.9 4.7 11 7.4 9.7 6.97% 7Y 3M 14D 10Y 7M 24D ICICI Prudential Constant Maturity Gilt Fund Growth ₹24.3091
↑ 0.15 ₹2,534 3.8 4.8 10.8 7.4 9.3 6.92% 6Y 9M 4D 9Y 8M 1D SBI Magnum Constant Maturity Fund Growth ₹62.8557
↑ 0.40 ₹1,845 3.6 4.4 10.5 7.3 9.1 6.93% 6Y 9M 25D 9Y 10M 6D DSP BlackRock 10Y G-Sec Fund Growth ₹21.5048
↑ 0.14 ₹57 3.6 4.5 10.3 7.1 9 6.72% 6Y 8M 12D 9Y 5M 16D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Apr 25 1. IDFC Government Securities Fund - Constant Maturity Plan
CAGR/Annualized return of 6.8% since its launch. Ranked 2 in 10 Yr Govt Bond category. Return for 2024 was 9.7% , 2023 was 7.4% and 2022 was 0.7% . IDFC Government Securities Fund - Constant Maturity Plan
Growth Launch Date 9 Mar 02 NAV (02 Apr 25) ₹45.1186 ↑ 0.30 (0.67 %) Net Assets (Cr) ₹340 on 15 Mar 25 Category Debt - 10 Yr Govt Bond AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.49 Sharpe Ratio 0.72 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.97% Effective Maturity 10 Years 7 Months 24 Days Modified Duration 7 Years 3 Months 14 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,701 31 Mar 22 ₹11,009 31 Mar 23 ₹11,355 31 Mar 24 ₹12,332 31 Mar 25 ₹13,555 Returns for IDFC Government Securities Fund - Constant Maturity Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Apr 25 Duration Returns 1 Month 2.8% 3 Month 3.9% 6 Month 4.7% 1 Year 11% 3 Year 7.4% 5 Year 6.4% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 9.7% 2022 7.4% 2021 0.7% 2020 1.8% 2019 13.2% 2018 14.2% 2017 11.8% 2016 6.2% 2015 10.1% 2014 9% Fund Manager information for IDFC Government Securities Fund - Constant Maturity Plan
Name Since Tenure Harshal Joshi 15 May 17 7.8 Yr. Brijesh Shah 10 Jun 24 0.72 Yr. Data below for IDFC Government Securities Fund - Constant Maturity Plan as on 15 Mar 25
Asset Allocation
Asset Class Value Cash 0.86% Debt 99.14% Debt Sector Allocation
Sector Value Government 99.14% Cash Equivalent 0.86% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2037
Sovereign Bonds | -56% ₹190 Cr 18,500,000
↓ -800,000 7.18% Govt Stock 2033
Sovereign Bonds | -40% ₹135 Cr 13,100,000
↓ -500,000 7.26% Govt Stock 2032
Sovereign Bonds | -3% ₹10 Cr 1,000,000 7.17% Govt Stock 2028
Sovereign Bonds | -0% ₹1 Cr 71,000 6.54% Govt Stock 2032
Sovereign Bonds | -0% ₹0 Cr 50,000 8.24% Govt Stock 2027
Sovereign Bonds | -0% ₹0 Cr 44,000 Net Current Assets
Net Current Assets | -1% ₹3 Cr Cblo Trp_170325
CBLO/Reverse Repo | -0% ₹0 Cr Cash Margin - Ccil
CBLO/Reverse Repo | -0% ₹0 Cr 2. ICICI Prudential Constant Maturity Gilt Fund
CAGR/Annualized return of 8.8% since its launch. Ranked 6 in 10 Yr Govt Bond category. Return for 2024 was 9.3% , 2023 was 7.7% and 2022 was 1.2% . ICICI Prudential Constant Maturity Gilt Fund
Growth Launch Date 12 Sep 14 NAV (02 Apr 25) ₹24.3091 ↑ 0.15 (0.61 %) Net Assets (Cr) ₹2,534 on 15 Mar 25 Category Debt - 10 Yr Govt Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.39 Sharpe Ratio 0.75 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-7 Days (0.25%),7 Days and above(NIL) Yield to Maturity 6.92% Effective Maturity 9 Years 8 Months 1 Day Modified Duration 6 Years 9 Months 4 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,799 31 Mar 22 ₹11,205 31 Mar 23 ₹11,591 31 Mar 24 ₹12,568 31 Mar 25 ₹13,796 Returns for ICICI Prudential Constant Maturity Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Apr 25 Duration Returns 1 Month 2.5% 3 Month 3.8% 6 Month 4.8% 1 Year 10.8% 3 Year 7.4% 5 Year 6.8% 10 Year 15 Year Since launch 8.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 9.3% 2022 7.7% 2021 1.2% 2020 2.8% 2019 13.6% 2018 12.8% 2017 9.7% 2016 2.4% 2015 16.2% 2014 6.9% Fund Manager information for ICICI Prudential Constant Maturity Gilt Fund
Name Since Tenure Manish Banthia 22 Jan 24 1.11 Yr. Raunak Surana 22 Jan 24 1.11 Yr. Data below for ICICI Prudential Constant Maturity Gilt Fund as on 15 Mar 25
Asset Allocation
Asset Class Value Cash 3.14% Debt 96.86% Debt Sector Allocation
Sector Value Government 96.86% Cash Equivalent 3.14% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -44% ₹1,121 Cr 109,556,400
↓ -62,500,000 6.64% Govt Stock 2035
Sovereign Bonds | -39% ₹988 Cr 100,000,000
↑ 70,000,000 7.18% Govt Stock 2037
Sovereign Bonds | -8% ₹200 Cr 19,500,000 6.19% Govt Stock 2034
Sovereign Bonds | -2% ₹48 Cr 5,000,000 6.92% Govt Stock 2039
Sovereign Bonds | -1% ₹35 Cr 3,500,000
↓ -2,500,000 7.23% Government Of India (15/04/2039)
Sovereign Bonds | -1% ₹31 Cr 3,000,000 6.67% Govt Stock 2035
Sovereign Bonds | -1% ₹25 Cr 2,500,000 6.79% Government Of India (07/10/2034)
Sovereign Bonds | -0% ₹6 Cr 549,300
↓ -3,000,000 7.18% Govt Stock 2033
Sovereign Bonds | -0% ₹1 Cr 72,600 Net Current Assets
Net Current Assets | -2% ₹56 Cr 3. SBI Magnum Constant Maturity Fund
CAGR/Annualized return of 7.9% since its launch. Ranked 1 in 10 Yr Govt Bond category. Return for 2024 was 9.1% , 2023 was 7.5% and 2022 was 1.3% . SBI Magnum Constant Maturity Fund
Growth Launch Date 30 Dec 00 NAV (02 Apr 25) ₹62.8557 ↑ 0.40 (0.65 %) Net Assets (Cr) ₹1,845 on 15 Mar 25 Category Debt - 10 Yr Govt Bond AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.64 Sharpe Ratio 0.61 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.93% Effective Maturity 9 Years 10 Months 6 Days Modified Duration 6 Years 9 Months 25 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,595 31 Mar 22 ₹10,971 31 Mar 23 ₹11,385 31 Mar 24 ₹12,324 31 Mar 25 ₹13,484 Returns for SBI Magnum Constant Maturity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Apr 25 Duration Returns 1 Month 2.4% 3 Month 3.6% 6 Month 4.4% 1 Year 10.5% 3 Year 7.3% 5 Year 6.3% 10 Year 15 Year Since launch 7.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 9.1% 2022 7.5% 2021 1.3% 2020 2.4% 2019 11.6% 2018 11.9% 2017 9.9% 2016 6.2% 2015 12.8% 2014 9.1% Fund Manager information for SBI Magnum Constant Maturity 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 Constant Maturity Fund as on 15 Mar 25
Asset Allocation
Asset Class Value Cash 3.09% Debt 96.91% Debt Sector Allocation
Sector Value Government 96.91% Cash Equivalent 3.09% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -72% ₹1,320 Cr 129,000,000 7.18% Govt Stock 2037
Sovereign Bonds | -25% ₹467 Cr 45,500,000 Net Receivable / Payable
CBLO | -2% ₹42 Cr Treps
CBLO/Reverse Repo | -1% ₹15 Cr 4. DSP BlackRock 10Y G-Sec Fund
CAGR/Annualized return of 7.6% since its launch. Ranked 8 in 10 Yr Govt Bond category. Return for 2024 was 9% , 2023 was 7.7% and 2022 was 0.1% . DSP BlackRock 10Y G-Sec Fund
Growth Launch Date 26 Sep 14 NAV (02 Apr 25) ₹21.5048 ↑ 0.14 (0.65 %) Net Assets (Cr) ₹57 on 28 Feb 25 Category Debt - 10 Yr Govt Bond AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk Moderate Expense Ratio 0.5 Sharpe Ratio 0.69 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-7 Days (0.1%),7 Days and above(NIL) Yield to Maturity 6.72% Effective Maturity 9 Years 5 Months 16 Days Modified Duration 6 Years 8 Months 12 Days Growth of 10,000 investment over the years.
Date Value 31 Mar 20 ₹10,000 31 Mar 21 ₹10,689 31 Mar 22 ₹10,722 31 Mar 23 ₹11,047 31 Mar 24 ₹11,976 31 Mar 25 ₹13,087 Returns for DSP BlackRock 10Y G-Sec Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Apr 25 Duration Returns 1 Month 2.1% 3 Month 3.6% 6 Month 4.5% 1 Year 10.3% 3 Year 7.1% 5 Year 5.7% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2023 9% 2022 7.7% 2021 0.1% 2020 0.7% 2019 11.8% 2018 10.8% 2017 5.9% 2016 2.3% 2015 15.5% 2014 6.6% Fund Manager information for DSP BlackRock 10Y G-Sec Fund
Name Since Tenure Shantanu Godambe 1 Jul 23 1.67 Yr. Data below for DSP BlackRock 10Y G-Sec Fund as on 28 Feb 25
Asset Allocation
Asset Class Value Cash 1.56% Debt 98.44% Debt Sector Allocation
Sector Value Government 98.44% Cash Equivalent 1.56% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Government Of India (07/10/2034)
Sovereign Bonds | -98% ₹56 Cr 5,420,000
↓ -30,000 Net Receivables/Payables
CBLO | -1% ₹1 Cr Treps / Reverse Repo Investments
CBLO/Reverse Repo | -0% ₹0 Cr
परतावा आणि जोखीम
कर्जातील सर्व साधनांपैकी जी-सेक हे सर्वात जास्त द्रव असल्यानेबाजार, जी-सेक फंडामध्ये क्रेडिट जोखीम नसते कारण भारत सरकार कर्जदार आहे. कारण सरकार सहसा करत नाहीडीफॉल्ट कॉर्पोरेटच्या विपरीत, गिल्ट फंड क्रेडिट जोखीम घेत नाहीत.
त्यामुळेच सरकारी रोख्यांना सार्वभौम दर्जा दिला जातो. ते तितकेच चांगले आहे—किंवा पेक्षा चांगले मानले जाते—अएएए रेटिंग
जोखीम
याचा अर्थ जी-सेक फंडामध्ये कोणताही धोका नसतो का? नाही. ते व्याजदर जोखीम घेतात. सामान्यतः, जी-सेक फंड दीर्घ कालावधीत परिपक्व होणाऱ्या सिक्युरिटीजमध्ये गुंतवणूक करतात. कर्ज सुरक्षेची परिपक्वता जसजशी वाढत जाते, तसतसे ते व्याजदराच्या हालचालींसाठी अधिक संवेदनशील बनते.
व्याजदर कमी झाल्यास कर्ज रोख्यांच्या किमती वाढतात. उच्च मॅच्युरिटी स्क्रिप्सच्या किमती बाकीच्या तुलनेत अधिक वाढतात. त्याचप्रमाणे, जेव्हा व्याजदर वाढतात तेव्हा कर्ज रोख्यांच्या किमती कमी होतात. येथे आहे जिथे जी-सेक फंडांना सर्वात जास्त त्रास होऊ शकतो, कारण त्यांची सरासरी परिपक्वता सामान्यतः सर्वाधिक असते.
सामान्यतः, जी-सेक फंडाची सरासरी परिपक्वता फंड हाऊसच्या स्वतःच्या बाँड फंडापेक्षा जास्त असते जी त्याच्या पोर्टफोलिओचा काही भाग गिल्टमध्ये गुंतवते. खरं तर, बाँड फंड मॅनेजरसाठी, बाँड फंडाची मॅच्युरिटी वाढवण्याचा सर्वात सोपा मार्ग म्हणजे गिल्ट्स खरेदी करणे. म्हणून, गिल्ट फंड सहसा बाँड फंडांपेक्षा अधिक अस्थिर असतात.
परतावा
क्रिसिल या रेटिंग एजन्सीने आम्हाला दिलेल्या आकड्यांनुसार, गिल्ट फंडांनी 3 वर्षांचा परतावा दिला आहे.१६% आणि जानेवारी 2007 आणि आत्ताच्या दरम्यान शून्य रिटर्न्सपेक्षाही कमी-ज्याचा अर्थ त्यांनी पैसेही गमावले आहेत. याच कालावधीतील 5 वर्षांचा परतावा इतका उच्चांकी गेला आहे१३% आणि म्हणून कमी1.02%.
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वारंवार विचारले जाणारे प्रश्न
1. सरकारी रोखे म्हणजे काय?
अ: सरकारी रोखेही सरकारप्रमाणेच काम करतातबंध, परंतु त्यांचे मूळ थोडे वेगळे आहे. रिझर्व्ह बँक ऑफ इंडियाच्या आदेशानुसार सरकार जी-सेक जारी करते. जेव्हा सरकार RBI कडून पैसे घेते तेव्हा मध्यवर्ती बँक बँका आणि विमा कंपन्यांकडून पैसे गोळा करते. त्यानंतर ते सरकारचे कर्ज पास करते आणि सरकार गुंतवणूकदारांकडून सरकारी रोख्यांच्या स्वरूपात पैसे गोळा करते.
2. सरकारी रोख्यांमध्ये कोण गुंतवणूक करू शकते?
अ: याआधी फक्त मोठे व्यावसायिक उद्योग सरकारी रोख्यांमध्ये गुंतवणूक करायचे. तथापि, आजकाल, वैयक्तिक गुंतवणूकदार सरकारी रोख्यांमध्ये गुंतवणूक करून सरकारी रोखे खरेदी करू शकतातएडलवाईस सरकारी सिक्युरिटीज फंड, अॅक्सिस गिल्ट फंड आणि ICICI प्रुडेन्शियल गिल्ट फंड.
3. सरकारी रोखे करपात्र आहेत का?
अ: होय, सरकारी रोख्यांमधून तुम्ही कमावलेला नफा करपात्र आहे, परंतु तुम्ही करपात्र स्लॅब अंतर्गत येत असाल तरच.
4. कोणतेही करमुक्त सरकारी रोखे आहेत का?
अ: होय, काही करमुक्त सरकारी रोखे जसे की ग्रामीण विद्युतीकरण महामंडळ किंवा REC आणि गृहनिर्माण विकास महामंडळ किंवा HUDCO सारख्या सार्वजनिक क्षेत्रातील उपक्रमांद्वारे जारी केलेले. तथापि, दकमाई करमुक्त सरकारी रोखे हे नेहमी करपात्रांपेक्षा कमी असतात.
5. करमुक्त रोखे करपात्र आहेत का?
अ: होय, जर तुम्ही एका वर्षानंतर ते विकले तर तुम्हाला तुमच्या करमुक्त सरकारी बाँडवर 10% कर भरावा लागेल. या प्रकरणात, ते दीर्घकालीन अंतर्गत वर्गीकृत केले जाईलभांडवल नफा आणि म्हणून, करपात्र होतात.
6. सरकारी रोख्यांमध्ये काही धोका आहे का?
अ: सरकारी बाँड्समध्ये डीफॉल्टचा कोणताही धोका नसतो. जर तुम्ही सरकारी रोख्यांमध्ये गुंतवणूक केली तर तुम्हाला तुमच्या गुंतवणुकीवर चांगला परतावा मिळेल याची खात्री देता येईल. याव्यतिरिक्त, या बाँड्सवर बाजारातील अस्थिरतेचा नेहमीच विपरित परिणाम होतो. त्यामुळे, हे तुमच्या गुंतवणुकीला काही प्रमाणात स्थिरता प्रदान करतात.
7. मी सरकारी रोख्यांचे मूल्यमापन कसे करू?
अ: जेव्हा तुम्ही सरकारी रोख्यांमध्ये गुंतवणूक करता तेव्हा तुम्हाला याचा विचार करावा लागतोनाही आणि ऐतिहासिक वाढ दर. उदाहरणार्थ, जर तुम्ही एडलवाईस गव्हर्नमेंट सिक्युरिटीज फंडाचा विचार केला तर, ज्याची एनएव्ही रु. 18.7977 आणि 13.6% वाढीचा दर आणि त्याची तुलना ICICI प्रुडेन्शियल गिल्ट फंडाशी आहे, ज्याची NAV रु. 77.1462 आणि 12.6% वाढीचा दर, नंतरची गुंतवणूक नंतरच्या तुलनेत चांगली आहे. अशा प्रकारे, तुम्ही सरकारी रोख्यांची तुलना करताना, तुम्हाला NAV आणि वाढीचा दर विचारात घ्यावा लागेल.
8. सरकारी रोख्यांमध्ये गुंतवणूक करण्याचा सर्वात महत्त्वाचा फायदा कोणता आहे?
अ: जोखीम घेण्यास प्रतिकूल असलेल्या व्यक्तींसाठी सरकारी रोख्यांमध्ये गुंतवणूक करणे योग्य आहे. सरकारने जारी केलेल्या रोख्यांवर परिणाम होत नाहीमहागाई आणि बाजारातील अस्थिरता, आपण अपरिहार्यतेची खात्री बाळगू शकतागुंतवणुकीवर परतावा बाँड परिपक्व आहेत. म्हणूनच, ज्या व्यक्तींना त्यांच्या गुंतवणूकीच्या पोर्टफोलिओचे संरक्षण करायचे आहे आणि जोखीम घेऊ इच्छित नाही त्यांच्यासाठी हा गुंतवणुकीचा आदर्श प्रकार आहे.
येथे प्रदान केलेली माहिती अचूक असल्याची खात्री करण्यासाठी सर्व प्रयत्न केले गेले आहेत. तथापि, डेटाच्या अचूकतेबद्दल कोणतीही हमी दिली जात नाही. कृपया कोणतीही गुंतवणूक करण्यापूर्वी योजना माहिती दस्तऐवजासह सत्यापित करा.
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