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दीर्घकालीन कर्ज निधी- तुम्ही कधी गुंतवणूक करावी?
दीर्घकालीन कर्ज निधी हा एक प्रकारचा कर्ज आहेम्युच्युअल फंड जे कॉर्पोरेटमध्ये गुंतवणूक करतातबंध आणि सरकारी सिक्युरिटीज (जी-सेक) ज्यांचा दीर्घकालीन परिपक्वता कालावधी आहे. या फंडांची सरासरी परिपक्वता 3 वर्षांपेक्षा जास्त असते, बहुतेक वेळा. म्हणूनच, हे फंड अशा गुंतवणूकदारांसाठी योग्य आहेत जे मध्य ते दीर्घ मुदतीची कमाई करू इच्छितातगुंतवणूक योजना म्हणजे, साधारणपणे 3-5 वर्षे किंवा त्याहूनही अधिक. दीर्घ मुदतीचे कर्ज फंड कसे कार्य करतात आणि 2022 मध्ये गुंतवणूक करण्यासाठी सर्वोत्तम दीर्घकालीन बाँड फंड कोणते आहेत ते समजून घेऊ.
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दीर्घकालीन कर्ज निधी- दीर्घकालीन गुंतवणूकीची योजना
दीर्घकालीन कर्ज निधी त्यांची मोठी गुंतवणूक करतातअंतर्निहित कॉर्पोरेट डिबेंचर्स, बॉण्ड्स आणि सारख्या कर्ज साधनांमधील मालमत्तापैसा बाजार उच्च परिपक्वता कालावधीसह उपकरणे आणि सरकारी रोखे. गुंतवणूकदारांनी दीर्घ मुदतीच्या कर्ज निधीमध्ये गुंतवणूक केली पाहिजे जर त्यांच्याकडे 3 वर्षांपेक्षा जास्त कालावधीची गुंतवणूक कालावधी असेल. तसेच, हा फंड फक्त अशा गुंतवणूकदारांसाठी योग्य आहे जे गुंतवणुकीत काही प्रमाणात जोखीम घेण्यास इच्छुक आहेत.
दीर्घकालीन डेट फंड हे व्याजदरातील बदलांसाठी संवेदनशील असतात आणि डेट फंडांच्या इतर श्रेणींपेक्षा अधिक अस्थिर असतात. व्याजदर आणि कर्ज साधनांच्या किमती यांचा व्यस्त संबंध असतो, याचा अर्थ ते विरुद्ध दिशेने जातात. उदाहरणार्थ, कर्ज निधी किंवा बाँड फंडांसाठी घसरलेला व्याजदर चांगला आहे. दीर्घकालीनउत्पन्न जेव्हा व्याजदर खाली सरकत असतात तेव्हा फंडांना फायदा होतो. शिवाय, व्याजदर घसरत असताना रोख्यांच्या किमती वाढतात आणि त्यामुळे वाढ होतेNAVs याकर्ज निधी योजना
घसरलेल्या व्याजदराच्या परिस्थितीत, अशा रोख्यांची सरासरी परिपक्वता सुमारे 7-10 वर्षांपर्यंत जाऊ शकते. जेव्हा व्याजदर वाढतात तेव्हा ते कमी मुदतीच्या सिक्युरिटीजचा साठा करतात आणि पोर्टफोलिओची सरासरी परिपक्वता कमी ठेवतात.
अधिकतर, व्याजदर कमी होण्याची अपेक्षा असताना दीर्घकालीन बाँड फंडामध्ये गुंतवणूक करण्याचा सल्ला दिला जातो कारण व्याजदर कमी झाल्यामुळे दीर्घकालीन सिक्युरिटीजच्या किमती वाढतात. ज्या गुंतवणूकदारांना व्याजदरात चढ-उतार होण्यास सोयीस्कर आहेबाजार, फक्त प्राधान्य दिले पाहिजेगुंतवणूक दीर्घकालीन कर्ज निधीमध्ये.
परतावा आणि जोखीम
हे फंड जास्त परतावा देण्यासाठी असतातबँक मुदत ठेवी. शिवाय, तीन वर्षांपेक्षा जास्त काळ ठेवल्यास, परतावा अधिक कर कार्यक्षम असतो. परंतु, जोखमीच्या बाजूने, जेव्हा व्याजदर अचानक दिशा बदलतात तेव्हा हे फंड अस्थिर होऊ शकतात. सतत वाढणाऱ्या व्याजदराच्या व्यवस्थेत, हे फंड माफक परतावा देतात कारण ते दीर्घ मुदतीचे बाँड विकू शकत नाहीत आणि लहान मुदतीच्या स्क्रिप्टवर स्विच करू शकत नाहीत.
दीर्घकालीन कर्ज निधी कर आकारणी
डेट फंडावरील कराची गणना खालील पद्धतीने केली जाते-
शॉर्ट टर्म कॅपिटल गेन
जर कर्ज गुंतवणुकीचा होल्डिंग कालावधी 36 महिन्यांपेक्षा कमी असेल, तर ती अल्प-मुदतीची गुंतवणूक म्हणून वर्गीकृत केली जाते आणि त्यावर व्यक्तीच्या कर स्लॅबनुसार कर आकारला जातो.
दीर्घकालीन भांडवली नफा
जर कर्ज गुंतवणुकीचा होल्डिंग कालावधी 36 महिन्यांपेक्षा जास्त असेल, तर ती दीर्घकालीन गुंतवणूक म्हणून वर्गीकृत केली जाते आणि इंडेक्सेशन लाभासह 20% कर आकारला जातो.
| भांडवल फायदा होतो | गुंतवणूक होल्डिंग नफा | कर आकारणी |
|---|---|---|
| अल्पकालीनभांडवली नफा | 36 महिन्यांपेक्षा कमी | व्यक्तीच्या कर स्लॅबनुसार |
| दीर्घकालीन भांडवली नफा | 36 महिन्यांहून अधिक | इंडेक्सेशन लाभांसह 20% |
दीर्घकालीन बाँड फंडात गुंतवणूक कशी करावी?
गुंतवणूकदार दोन प्रकारे गुंतवणूक करू शकतात-SIP किंवा एकरकमी. सरासरी गुंतवणूकदारांसाठी, SIP (सिस्टमॅटिक इन्व्हेस्टमेंट प्लॅन) हा सर्वात व्यवहार्य पर्याय आहे. हे तुम्हाला मासिक/तिमाही/वार्षिक गुंतवणुकीचा पद्धतशीर पर्याय देतेआधार. एकरकमी, गुंतवणूकदारांना योजनेमध्ये एक-वेळ डाउन पेमेंट म्हणून लक्षणीय रक्कम गुंतवावी लागते. एकरकमीसाठी किमान गुंतवणूक रक्कम INR 5000 आहे, तर SIP साठी ती INR 500 आहे.
2022 मध्ये गुंतवणूक करण्यासाठी सर्वोत्तम दीर्घकालीन बाँड फंड
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 ₹34.0323
↓ -0.05 ₹3,819 5,000 1,000 0.2 3.2 10.2 6 6.8 7.12% 11Y 9M 22D 28Y 6M 25D DSP BlackRock Government Securities Fund Growth ₹92.1139
↓ -0.15 ₹1,835 1,000 500 0.6 3.7 9.9 6.5 7.1 7.04% 11Y 11M 1D Axis Gilt Fund Growth ₹24.4712
↓ -0.02 ₹922 5,000 1,000 1 4.2 9.8 6.3 7.1 7.05% 10Y 3M 25Y 4M 10D Invesco India Gilt Fund Growth ₹2,727.51
↓ -2.69 ₹1,355 5,000 100 0.4 3.4 9.6 6.1 6.6 7.09% 11Y 18D 28Y 5M 12D Edelweiss Government Securities Fund Growth ₹23.6311
↓ -0.02 ₹178 5,000 1,000 0.6 3.6 9.4 6 6.2 7.04% 9Y 10M 13D 21Y 8M 11D Aditya Birla Sun Life Government Securities Fund Growth ₹78.1365
↓ -0.08 ₹2,177 1,000 1,000 0.6 3.5 8.9 5.8 7.1 6.94% 8Y 5M 5D 17Y 9M 11D PGIM India Gilt Fund Growth ₹29.0375
↓ -0.02 ₹116 5,000 1,000 0.6 3.6 8.8 5.6 6.6 6.99% 8Y 5M 26D 16Y 9M 4D SBI Magnum Gilt Fund Growth ₹63.3073
↓ -0.05 ₹10,979 5,000 500 0.6 3.6 8.7 6.8 7.6 7.06% 10Y 2M 19D 25Y 7M 6D UTI Gilt Fund Growth ₹60.2184
↓ -0.04 ₹645 5,000 500 0.7 3.8 8.7 6 6.7 7.01% 10Y 1M 17D 23Y 1M 10D Nippon India Gilt Securities Fund Growth ₹36.6013
↓ -0.03 ₹2,132 5,000 100 0.6 3.7 8.7 5.7 6.7 7.05% 9Y 5M 16D 21Y 4M 20D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Dec 24
IDFC – GSF -IP is an open ended dedicated gilt scheme with an objective to generate optimal returns with high liquidity by investing in Government Securities.However there is no assurance that the investment objective of the scheme will be realized. IDFC Government Securities Fund - Investment Plan is a Debt - Government Bond fund was launched on 3 Dec 08. It is a fund with Moderate risk and has given a Below is the key information for IDFC Government Securities Fund - Investment Plan Returns up to 1 year are on The Scheme aims to generate returns through investments in Central Govt Securities. DSP BlackRock Government Securities Fund is a Debt - Government Bond fund was launched on 30 Sep 99. It is a fund with Moderate risk and has given a Below is the key information for DSP BlackRock Government Securities Fund Returns up to 1 year are on (Erstwhile 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 objective of the Scheme is to generate optimal returns by investing in a portfolio of securities issued and guaranteed by Central and State Government. Invesco India Gilt Fund is a Debt - Government Bond fund was launched on 9 Feb 08. It is a fund with Moderate risk and has given a Below is the key information for Invesco India Gilt Fund Returns up to 1 year are on The investment objective of the Scheme is to generate income through investment in Securities of various maturities issued and/or created by the Central Government and State Governments of India. However, there can be no assurance that the investment objectives of the Scheme will be realized Edelweiss Government Securities Fund is a Debt - Government Bond fund was launched on 13 Feb 14. It is a fund with Moderate risk and has given a Below is the key information for Edelweiss Government Securities Fund Returns up to 1 year are on (Erstwhile Aditya Birla Sun Life Gilt Plus Fund - PF Plan) An Open - ended government securities scheme with the objective to generate income and capital appreciation through investments exclusively in Government Securities. Aditya Birla Sun Life Government Securities Fund is a Debt - Government Bond fund was launched on 12 Oct 99. It is a fund with Moderate risk and has given a Below is the key information for Aditya Birla Sun Life Government Securities Fund Returns up to 1 year are on 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 Below is the key information for PGIM India Gilt Fund Returns up to 1 year are on (Erstwhile SBI Magnum Gilt Fund - Long Term Plan) To provide the investors with returns generated through investments in government securities issued by the Central Government and / or a State Government SBI Magnum Gilt Fund is a Debt - Government Bond fund was launched on 30 Dec 00. It is a fund with Moderate risk and has given a Below is the key information for SBI Magnum Gilt Fund Returns up to 1 year are on (Erstwhile UTI Gilt Advantage Fund- LTP) To generate credit risk-free return through investment in sovereign securities issued by the Central Government and / or a State Government and / or any security unconditionally guaranteed by the Central Government and / or a State Government for repayment of principal and interest. However there can be no assurance that the investment objective of the Scheme will be achieved. UTI Gilt Fund is a Debt - Government Bond fund was launched on 21 Jan 02. It is a fund with Moderate risk and has given a Below is the key information for UTI Gilt Fund Returns up to 1 year are on The primary investment objective of the scheme is to generate optimal credit risk-free returns by investing in a portfolio of securities issued and guaranteed by the Central Government and State Government. Nippon India Gilt Securities Fund is a Debt - Government Bond fund was launched on 22 Aug 08. It is a fund with Moderate risk and has given a Below is the key information for Nippon India Gilt Securities Fund Returns up to 1 year are on 1. IDFC Government Securities Fund - Investment Plan
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% . IDFC Government Securities Fund - Investment Plan
Growth Launch Date 3 Dec 08 NAV (20 Dec 24) ₹34.0323 ↓ -0.05 (-0.16 %) Net Assets (Cr) ₹3,819 on 15 Dec 24 Category Debt - Government Bond AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.19 Sharpe Ratio 1.16 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.12% Effective Maturity 28 Years 6 Months 25 Days Modified Duration 11 Years 9 Months 22 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹11,371 30 Nov 21 ₹11,689 30 Nov 22 ₹11,804 30 Nov 23 ₹12,458 30 Nov 24 ₹13,927 Returns for IDFC Government Securities Fund - Investment Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24 Duration Returns 1 Month 0.5% 3 Month 0.2% 6 Month 3.2% 1 Year 10.2% 3 Year 6% 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 14.14 Yr. Brijesh Shah 10 Jun 24 0.48 Yr. Data below for IDFC Government Securities Fund - Investment Plan as on 15 Dec 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 7.3% Govt Stock 2053
Sovereign Bonds | -97% ₹3,190 Cr 308,800,000
↑ 8,100,000 7.17% Govt Stock 2028
Sovereign Bonds | -0% ₹0 Cr 6,300 Net Current Assets
Net Current Assets | -3% ₹91 Cr Triparty Repo Trp_181124
CBLO/Reverse Repo | -0% ₹1 Cr Cash Margin - Ccil
CBLO/Reverse Repo | -0% ₹0 Cr 2. DSP BlackRock Government Securities Fund
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% . DSP BlackRock Government Securities Fund
Growth Launch Date 30 Sep 99 NAV (20 Dec 24) ₹92.1139 ↓ -0.15 (-0.16 %) Net Assets (Cr) ₹1,835 on 30 Nov 24 Category Debt - Government Bond AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk Moderate Expense Ratio 1.1 Sharpe Ratio 1.18 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 30 Nov 19 ₹10,000 30 Nov 20 ₹11,283 30 Nov 21 ₹11,699 30 Nov 22 ₹11,970 30 Nov 23 ₹12,670 30 Nov 24 ₹14,070 Returns for DSP BlackRock Government Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24 Duration Returns 1 Month 0.6% 3 Month 0.6% 6 Month 3.7% 1 Year 9.9% 3 Year 6.5% 5 Year 7.2% 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 0.33 Yr. Shantanu Godambe 1 Jun 23 1.5 Yr. Data below for DSP BlackRock Government Securities Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 6.17% Debt 93.83% Debt Sector Allocation
Sector Value Government 93.83% Cash Equivalent 6.17% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -42% ₹652 Cr 62,500,000
↑ 11,500,000 7.3% Govt Stock 2053
Sovereign Bonds | -20% ₹314 Cr 29,500,000 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 7.26% Maharashtra SDL 2050
Sovereign Bonds | -7% ₹102 Cr 10,000,000 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 Net Receivables/Payables
CBLO | -4% ₹61 Cr Treps / Reverse Repo Investments
CBLO/Reverse Repo | -2% ₹35 Cr 7.09% Govt Stock 2054
Sovereign Bonds | -₹0 Cr 00
↓ -11,000,000 3. Axis Gilt Fund
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% . Axis Gilt Fund
Growth Launch Date 23 Jan 12 NAV (20 Dec 24) ₹24.4712 ↓ -0.02 (-0.07 %) Net Assets (Cr) ₹922 on 30 Nov 24 Category Debt - Government Bond AMC Axis Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 0.79 Sharpe Ratio 1.56 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.05% Effective Maturity 25 Years 4 Months 10 Days Modified Duration 10 Years 3 Months Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹11,277 30 Nov 21 ₹11,653 30 Nov 22 ₹11,863 30 Nov 23 ₹12,552 30 Nov 24 ₹13,927 Returns for Axis Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24 Duration Returns 1 Month 0.6% 3 Month 1% 6 Month 4.2% 1 Year 9.8% 3 Year 6.3% 5 Year 6.9% 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 12.08 Yr. Sachin Jain 1 Feb 23 1.83 Yr. Data below for Axis Gilt Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 8.56% Debt 91.44% Debt Sector Allocation
Sector Value Government 91.44% Cash Equivalent 8.56% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -21% ₹145 Cr 14,000,000
↑ 6,000,000 7.09% Govt Stock 2054
Sovereign Bonds | -20% ₹136 Cr 13,500,000
↓ -1,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -14% ₹97 Cr 9,500,000
↑ 1,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -10% ₹67 Cr 6,500,000
↓ -1,500,000 7.18% Govt Stock 2033
Sovereign Bonds | -8% ₹59 Cr 5,800,000
↑ 2,000,000 7.23% Govt Stock 2039
Sovereign Bonds | -7% ₹51 Cr 5,000,000
↑ 1,901,300 7.32% Govt Stock 2030
Sovereign Bonds | -4% ₹31 Cr 3,000,000 India (Republic of) 6.92%
Sovereign Bonds | -4% ₹25 Cr 2,500,000
↑ 2,500,000 Maharashtra (Government of) 7.45%
- | -2% ₹11 Cr 1,083,700 7.18% Govt Stock 2037
Sovereign Bonds | -1% ₹7 Cr 700,000 4. Invesco India Gilt Fund
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% . Invesco India Gilt Fund
Growth Launch Date 9 Feb 08 NAV (20 Dec 24) ₹2,727.51 ↓ -2.69 (-0.10 %) Net Assets (Cr) ₹1,355 on 30 Nov 24 Category Debt - Government Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.2 Sharpe Ratio 1.17 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.09% Effective Maturity 28 Years 5 Months 12 Days Modified Duration 11 Years 18 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,764 30 Nov 21 ₹10,900 30 Nov 22 ₹11,103 30 Nov 23 ₹11,708 30 Nov 24 ₹12,996 Returns for Invesco India Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24 Duration Returns 1 Month 0.5% 3 Month 0.4% 6 Month 3.4% 1 Year 9.6% 3 Year 6.1% 5 Year 5.5% 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 3.35 Yr. Vikas Garg 26 Sep 20 4.18 Yr. Data below for Invesco India Gilt Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 5% Debt 95% Debt Sector Allocation
Sector Value Government 95.51% Cash Equivalent 4.49% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -23% ₹318 Cr 30,531,000
↑ 6,500,000 7.09% Govt Stock 2054
Sovereign Bonds | -22% ₹298 Cr 29,500,000
↑ 2,500,000 7.3% Govt Stock 2053
Sovereign Bonds | -21% ₹285 Cr 27,500,000 7.18% Govt Stock 2037
Sovereign Bonds | -7% ₹92 Cr 9,000,000
↓ -2,500,000 6.79% Govt Stock 2034
Sovereign Bonds | -6% ₹75 Cr 7,512,900
↑ 7,500,000 7.46% Govt Stock 2073
Sovereign Bonds | -5% ₹74 Cr 7,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -5% ₹72 Cr 7,000,000
↑ 1,500,000 7.23% Govt Stock 2039
Sovereign Bonds | -3% ₹41 Cr 4,000,000
↓ -1,000,000 India (Republic of) 7.09%
Sovereign Bonds | -2% ₹32 Cr 3,214,400
↑ 3,214,400 Triparty Repo
CBLO/Reverse Repo | -12% ₹163 Cr 5. Edelweiss Government Securities Fund
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% . Edelweiss Government Securities Fund
Growth Launch Date 13 Feb 14 NAV (20 Dec 24) ₹23.6311 ↓ -0.02 (-0.07 %) Net Assets (Cr) ₹178 on 30 Nov 24 Category Debt - Government Bond AMC Edelweiss Asset Management Limited Rating ☆☆ Risk Moderate Expense Ratio 1.21 Sharpe Ratio 1.32 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 7.04% Effective Maturity 21 Years 8 Months 11 Days Modified Duration 9 Years 10 Months 13 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹11,287 30 Nov 21 ₹11,832 30 Nov 22 ₹12,095 30 Nov 23 ₹12,709 30 Nov 24 ₹14,071 Returns for Edelweiss Government Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24 Duration Returns 1 Month 0.6% 3 Month 0.6% 6 Month 3.6% 1 Year 9.4% 3 Year 6% 5 Year 7.2% 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 3.02 Yr. Hetul Raval 1 Jul 24 0.42 Yr. Data below for Edelweiss Government Securities Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 3.35% Debt 96.65% Debt Sector Allocation
Sector Value Government 96.65% Cash Equivalent 3.35% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.3% Govt Stock 2053
Sovereign Bonds | -42% ₹83 Cr 8,000,000 7.18% Govt Stock 2037
Sovereign Bonds | -16% ₹31 Cr 3,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -16% ₹30 Cr 3,000,000
↓ -2,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -13% ₹25 Cr 2,500,000
↑ 2,500,000 7.34% Govt Stock 2064
Sovereign Bonds | -11% ₹21 Cr 2,000,000
↑ 2,000,000 08.38 GJ Sdl 2029
Sovereign Bonds | -0% ₹0 Cr 9,100 Accrued Interest
CBLO | -2% ₹4 Cr Clearing Corporation Of India Ltd.
CBLO/Reverse Repo | -2% ₹3 Cr Net Receivables/(Payables)
CBLO | -0% ₹0 Cr 6. Aditya Birla Sun Life Government Securities Fund
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% . Aditya Birla Sun Life Government Securities Fund
Growth Launch Date 12 Oct 99 NAV (20 Dec 24) ₹78.1365 ↓ -0.08 (-0.10 %) Net Assets (Cr) ₹2,177 on 15 Dec 24 Category Debt - Government Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.05 Sharpe Ratio 1.13 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 6.94% Effective Maturity 17 Years 9 Months 11 Days Modified Duration 8 Years 5 Months 5 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹11,137 30 Nov 21 ₹11,600 30 Nov 22 ₹11,754 30 Nov 23 ₹12,462 30 Nov 24 ₹13,723 Returns for Aditya Birla Sun Life Government Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24 Duration Returns 1 Month 0.5% 3 Month 0.6% 6 Month 3.5% 1 Year 8.9% 3 Year 5.8% 5 Year 6.6% 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 4.32 Yr. Data below for Aditya Birla Sun Life Government Securities Fund as on 15 Dec 24
Asset Allocation
Asset Class Value Cash 3.15% Debt 96.85% Debt Sector Allocation
Sector Value Government 96.85% Cash Equivalent 3.15% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.3% Govt Stock 2053
Sovereign Bonds | -54% ₹1,149 Cr 111,179,750
↑ 2,500,000 7.18% Govt Stock 2033
Sovereign Bonds | -27% ₹575 Cr 56,500,000
↑ 6,000,000 7.26% Govt Stock 2033
Sovereign Bonds | -10% ₹220 Cr 21,525,000
↓ -6,000,000 7.34% Govt Stock 2064
Sovereign Bonds | -3% ₹69 Cr 6,606,200
↑ 6,606,200 7.18% Govt Stock 2037
Sovereign Bonds | -2% ₹35 Cr 3,423,050
↓ -1,500,000 5.63% Govt Stock 2026
Sovereign Bonds | -0% ₹1 Cr 65,000 Net Receivables / (Payables)
CBLO | -3% ₹67 Cr 7. PGIM India Gilt Fund
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% . PGIM India Gilt Fund
Growth Launch Date 27 Oct 08 NAV (20 Dec 24) ₹29.0375 ↓ -0.02 (-0.08 %) Net Assets (Cr) ₹116 on 30 Nov 24 Category Debt - Government Bond AMC Pramerica Asset Managers Private Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.46 Sharpe Ratio 0.99 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 16 Years 9 Months 4 Days Modified Duration 8 Years 5 Months 26 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,926 30 Nov 21 ₹11,295 30 Nov 22 ₹11,454 30 Nov 23 ₹12,105 30 Nov 24 ₹13,283 Returns for PGIM India Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24 Duration Returns 1 Month 0.5% 3 Month 0.6% 6 Month 3.6% 1 Year 8.8% 3 Year 5.6% 5 Year 5.9% 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 2.22 Yr. Puneet Pal 13 Dec 17 6.97 Yr. Data below for PGIM India Gilt Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 10.86% Debt 89.14% Debt Sector Allocation
Sector Value Government 89.14% Cash Equivalent 10.86% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.23% Govt Stock 2039
Sovereign Bonds | -24% ₹27 Cr 2,675,000
↑ 250,000 7.3% Govt Stock 2053
Sovereign Bonds | -22% ₹25 Cr 2,441,667 7.1% Govt Stock 2034
Sovereign Bonds | -13% ₹15 Cr 1,500,000
↓ -500,000 7.09% Govt Stock 2054
Sovereign Bonds | -11% ₹13 Cr 1,310,084
↓ -441,996 7.18% Govt Stock 2037
Sovereign Bonds | -9% ₹11 Cr 1,078,895 7.26% Govt Stock 2033
Sovereign Bonds | -3% ₹4 Cr 352,063 7.18% Govt Stock 2033
Sovereign Bonds | -3% ₹3 Cr 334,000 8.28% Govt Stock 2027
Sovereign Bonds | -2% ₹3 Cr 270,000 7.26% Govt Stock 2032
Sovereign Bonds | -1% ₹1 Cr 75,000 7.41% Govt Stock 2036
Sovereign Bonds | -0% ₹1 Cr 53,334 8. SBI Magnum Gilt Fund
CAGR/Annualized return of 8% since its launch. Ranked 3 in Government Bond category. Return for 2023 was 7.6% , 2022 was 4.2% and 2021 was 3% . SBI Magnum Gilt Fund
Growth Launch Date 30 Dec 00 NAV (20 Dec 24) ₹63.3073 ↓ -0.05 (-0.07 %) Net Assets (Cr) ₹10,979 on 30 Nov 24 Category Debt - Government Bond AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.94 Sharpe Ratio 1.03 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.06% Effective Maturity 25 Years 7 Months 6 Days Modified Duration 10 Years 2 Months 19 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹11,204 30 Nov 21 ₹11,568 30 Nov 22 ₹12,021 30 Nov 23 ₹12,861 30 Nov 24 ₹14,094 Returns for SBI Magnum Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24 Duration Returns 1 Month 0.5% 3 Month 0.6% 6 Month 3.6% 1 Year 8.7% 3 Year 6.8% 5 Year 7.1% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.6% 2022 4.2% 2021 3% 2020 11.7% 2019 13.1% 2018 5.1% 2017 3.9% 2016 16.3% 2015 7.3% 2014 19.9% Fund Manager information for SBI Magnum Gilt Fund
Name Since Tenure Rajeev Radhakrishnan 1 Nov 23 1.08 Yr. Tejas Soman 1 Dec 23 1 Yr. Data below for SBI Magnum Gilt Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 2.39% Debt 97.61% Debt Sector Allocation
Sector Value Government 97.61% Cash Equivalent 2.39% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -44% ₹4,869 Cr 468,000,000
↑ 35,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -22% ₹2,453 Cr 240,103,800 7.23% Govt Stock 2039
Sovereign Bonds | -15% ₹1,684 Cr 163,000,000
↓ -50,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -8% ₹911 Cr 88,000,000 7.93% Govt Stock 2033
Sovereign Bonds | -2% ₹242 Cr 23,500,000 6.79% Govt Stock 2034
Sovereign Bonds | -2% ₹229 Cr 22,835,300
↑ 12,633,900 7.25% Govt Stock 2063
Sovereign Bonds | -2% ₹190 Cr 18,500,000 7.26% Govt Stock 2033
Sovereign Bonds | -1% ₹139 Cr 13,500,000
↓ -1,500,000 Treps
CBLO/Reverse Repo | -6% ₹653 Cr Net Receivable / Payable
CBLO | -4% -₹390 Cr 9. UTI Gilt Fund
CAGR/Annualized return of 8.2% since its launch. Ranked 7 in Government Bond category. Return for 2023 was 6.7% , 2022 was 2.9% and 2021 was 2.3% . UTI Gilt Fund
Growth Launch Date 21 Jan 02 NAV (20 Dec 24) ₹60.2184 ↓ -0.04 (-0.06 %) Net Assets (Cr) ₹645 on 30 Nov 24 Category Debt - Government Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.92 Sharpe Ratio 1.11 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.01% Effective Maturity 23 Years 1 Month 10 Days Modified Duration 10 Years 1 Month 17 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹10,985 30 Nov 21 ₹11,308 30 Nov 22 ₹11,550 30 Nov 23 ₹12,240 30 Nov 24 ₹13,421 Returns for UTI Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24 Duration Returns 1 Month 0.6% 3 Month 0.7% 6 Month 3.8% 1 Year 8.7% 3 Year 6% 5 Year 6.2% 10 Year 15 Year Since launch 8.2% 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 3 Yr. Data below for UTI Gilt Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 2.52% Debt 97.48% Debt Sector Allocation
Sector Value Government 97.48% Cash Equivalent 2.52% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -19% ₹120 Cr 1,200,000,000
↑ 1,200,000,000 7.34% Govt Stock 2064
Sovereign Bonds | -19% ₹120 Cr 1,150,000,000 7.23% Govt Stock 2039
Sovereign Bonds | -16% ₹103 Cr 1,000,000,000 7.09% Govt Stock 2054
Sovereign Bonds | -16% ₹101 Cr 1,000,000,000
↑ 450,000,000 Government Of India 6.92%
Sovereign Bonds | -12% ₹80 Cr 800,000,000 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 7.1% Govt Stock 2034
Sovereign Bonds | -4% ₹26 Cr 250,000,000
↓ -1,200,000,000 Net Current Assets
Net Current Assets | -2% ₹14 Cr Clearing Corporation Of India Ltd. Std - Margin
CBLO/Reverse Repo | -0% ₹2 Cr 00 10. Nippon India Gilt Securities Fund
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% . Nippon India Gilt Securities Fund
Growth Launch Date 22 Aug 08 NAV (20 Dec 24) ₹36.6013 ↓ -0.03 (-0.09 %) Net Assets (Cr) ₹2,132 on 30 Nov 24 Category Debt - Government Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.42 Sharpe Ratio 1.09 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 7.05% Effective Maturity 21 Years 4 Months 20 Days Modified Duration 9 Years 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 30 Nov 19 ₹10,000 30 Nov 20 ₹11,110 30 Nov 21 ₹11,416 30 Nov 22 ₹11,573 30 Nov 23 ₹12,228 30 Nov 24 ₹13,425 Returns for Nippon India Gilt Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Dec 24 Duration Returns 1 Month 0.5% 3 Month 0.6% 6 Month 3.7% 1 Year 8.7% 3 Year 5.7% 5 Year 6.1% 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 3.67 Yr. Kinjal Desai 31 Oct 21 3.09 Yr. Data below for Nippon India Gilt Securities Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 3.37% Debt 96.63% Debt Sector Allocation
Sector Value Government 96.63% Cash Equivalent 3.37% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.1% Govt Stock 2034
Sovereign Bonds | -15% ₹317 Cr 31,000,000 7.34% Govt Stock 2064
Sovereign Bonds | -15% ₹307 Cr 29,500,000
↑ 2,500,000 7.3% Govt Stock 2053
Sovereign Bonds | -11% ₹238 Cr 23,000,000 7.09% Govt Stock 2054
Sovereign Bonds | -11% ₹227 Cr 22,500,000
↑ 5,000,000 7.18% Govt Stock 2037
Sovereign Bonds | -8% ₹174 Cr 16,965,200
↑ 5,000,000 7.18% Govt Stock 2033
Sovereign Bonds | -7% ₹154 Cr 15,000,000 7.25% Govt Stock 2063
Sovereign Bonds | -7% ₹144 Cr 14,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -4% ₹85 Cr 8,500,000 7.26% Govt Stock 2033
Sovereign Bonds | -3% ₹62 Cr 6,065,600
↓ -7,000,000 6.8% Govt Stock 2060
Sovereign Bonds | -3% ₹58 Cr 6,000,000
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