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طویل مدتی قرض فنڈز- آپ کو کب سرمایہ کاری کرنی چاہئے؟
طویل مدتی قرض فنڈز قرض کی ایک قسم ہیں۔باہمی چندہ جو کارپوریٹ میں سرمایہ کاری کرتے ہیں۔بانڈز اور سرکاری سیکیورٹیز (g-secs) جن کی پختگی کی مدت طویل ہے۔ ان فنڈز کی اوسط میچورٹی 3 سال سے زیادہ ہوتی ہے، اکثر اوقات۔ اسی لیے، یہ فنڈز ان سرمایہ کاروں کے لیے موزوں ہیں جو وسط سے طویل مدتی بنانا چاہتے ہیں۔سرمایہ کاری کا منصوبہ یعنی، عام طور پر 3-5 سال یا اس سے بھی زیادہ۔ آئیے سمجھتے ہیں کہ طویل مدتی قرض فنڈز کیسے کام کرتے ہیں اور 2022 میں سرمایہ کاری کے لیے بہترین طویل مدتی بانڈ فنڈز کون سے ہیں۔
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طویل مدتی قرض فنڈز- طویل مدتی سرمایہ کاری کا منصوبہ
طویل مدتی قرض فنڈز اپنی بڑی سرمایہ کاری کرتے ہیں۔زیرِ نظر قرض کے آلات میں اثاثہ جیسے کارپوریٹ ڈیبینچرز، بانڈز اورکرنسی مارکیٹ اعلی میچورٹی مدت کے ساتھ آلات اور سرکاری سیکیورٹی سرمایہ کاروں کو طویل مدتی قرض فنڈز میں سرمایہ کاری کرنی چاہیے اگر ان کے پاس سرمایہ کاری کا وقت 3 سال سے زیادہ ہے۔ اس کے علاوہ، یہ فنڈ صرف ان سرمایہ کاروں کے لیے موزوں ہے جو سرمایہ کاری میں کسی حد تک خطرہ مول لینے کے لیے تیار ہیں۔
طویل مدتی قرض کے فنڈز شرح سود میں ہونے والی تبدیلیوں کے لیے حساس ہوتے ہیں اور قرض کے فنڈز کی دیگر اقسام کے مقابلے زیادہ غیر مستحکم ہوتے ہیں۔ سود کی شرح اور قرض کے آلات کی قیمتیں ایک الٹا تعلق رکھتی ہیں، جس کا مطلب ہے کہ وہ مخالف سمتوں میں چلتے ہیں۔ مثال کے طور پر، سود کی گرتی ہوئی شرح قرض فنڈز یا بانڈ فنڈز کے لیے اچھی ہے۔ طویل مدتیآمدنی فنڈز کو عام طور پر فائدہ ہوتا ہے جب شرح سود نیچے کی طرف بڑھ رہی ہوتی ہے۔ مزید برآں، شرح سود میں کمی کے دوران، بانڈ کی قیمتیں بڑھ جاتی ہیں اور یہ اضافہ ہوتا ہے۔NAVs کےقرض فنڈ سکیمیں
گرتی ہوئی شرح سود کے منظر نامے میں، ایسے بانڈز کی اوسط میچورٹی تقریباً 7-10 سال تک جا سکتی ہے۔ جب شرح سود میں اضافہ ہوتا ہے، تو وہ کم مدتی سیکیورٹیز کا ذخیرہ کرتے ہیں اور پورٹ فولیو کی اوسط میچورٹی کو کم رکھتے ہیں۔
زیادہ تر، طویل مدتی بانڈ فنڈز میں سرمایہ کاری کرنے کا مشورہ دیا جاتا ہے جب سود کی شرحوں میں کمی کی توقع کی جاتی ہے کیونکہ شرح سود میں کمی طویل مدتی سیکیورٹیز کی قیمتوں میں اضافے کا سبب بنتی ہے۔ وہ سرمایہ کار جو سود کی شرح میں اتار چڑھاؤ سے مطمئن ہیں۔مارکیٹ، صرف ترجیح دینا چاہئےسرمایہ کاری طویل مدتی قرض فنڈز میں.
واپسی اور خطرہ
ان فنڈز کا مقصد حد سے زیادہ منافع دینا ہے۔بینک فکسڈ ڈپازٹس مزید برآں، اگر تین سال سے زائد عرصے تک رکھا جائے، تو ریٹرن زیادہ ٹیکس موثر ہوتے ہیں۔ لیکن، خطرے کی طرف، یہ فنڈز اتار چڑھاؤ کا شکار ہو سکتے ہیں جب شرح سود اچانک سمت بدلتی ہے۔ شرح سود کے مسلسل بڑھتے ہوئے نظام میں، یہ فنڈز معمولی منافع دیتے ہیں کیونکہ وہ طویل مدتی بانڈز فروخت نہیں کر سکتے اور مختصر مدت کے اسکرپٹس پر سوئچ نہیں کر سکتے۔
لانگ ٹرم ڈیبٹ فنڈز ٹیکسیشن
قرض فنڈز پر ٹیکس کا اطلاق درج ذیل طریقے سے کیا جاتا ہے۔
شارٹ ٹرم کیپیٹل گینز
اگر قرض کی سرمایہ کاری کی مدت 36 ماہ سے کم ہے، تو اسے مختصر مدت کی سرمایہ کاری کے طور پر درجہ بندی کیا جاتا ہے اور ان پر فرد کے ٹیکس سلیب کے مطابق ٹیکس لگایا جاتا ہے۔
طویل مدتی کیپٹل گینز
اگر قرض کی سرمایہ کاری کی ہولڈنگ کی مدت 36 ماہ سے زیادہ ہے، تو اسے ایک طویل مدتی سرمایہ کاری کے طور پر درجہ بندی کیا جاتا ہے اور اس پر انڈیکسیشن فائدہ کے ساتھ 20% ٹیکس لگایا جاتا ہے۔
| سرمایہ فوائد | انویسٹمنٹ ہولڈنگ گینز | ٹیکس لگانا |
|---|---|---|
| قلیل مدتکیپٹل گینز | 36 ماہ سے کم | فرد کے ٹیکس سلیب کے مطابق |
| طویل مدتی کیپٹل گینز | 36 ماہ سے زیادہ | انڈیکسیشن فوائد کے ساتھ 20% |
لانگ ٹرم بانڈ فنڈز میں سرمایہ کاری کیسے کی جائے؟
سرمایہ کار دو طریقوں سے سرمایہ کاری کر سکتے ہیں۔گھونٹ یا یکمشت۔ اوسط سرمایہ کاروں کے لیے، SIP (سسٹمیٹک انویسٹمنٹ پلان) سب سے قابل عمل آپشن ہے۔ یہ آپ کو ماہانہ/ سہ ماہی/ سالانہ سرمایہ کاری کا ایک منظم آپشن فراہم کرتا ہے۔بنیاد. یکمشت رقم میں، سرمایہ کاروں کو اسکیم میں ایک بار نیچے ادائیگی کے طور پر کافی رقم لگانی پڑتی ہے۔ یکمشت کے لیے کم از کم سرمایہ کاری کی رقم INR 5000 ہے، جبکہ SIP کے لیے یہ INR 500 ہے۔
2022 میں سرمایہ کاری کے لیے بہترین لانگ ٹرم بانڈ فنڈز
Fund NAV Net Assets (Cr) Min Investment Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2023 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Axis Gilt Fund Growth ₹24.7567
↓ -0.04 ₹934 5,000 1,000 2 4.4 10.3 6.8 10 7.08% 10Y 7M 6D 27Y 3M 7D IDFC Government Securities Fund - Investment Plan Growth ₹34.3883
↓ -0.04 ₹3,841 5,000 1,000 1.6 3.5 10.2 6.6 10.6 7.14% 12Y 1M 17D 28Y 5M 19D DSP BlackRock Government Securities Fund Growth ₹92.9828
↓ -0.12 ₹1,782 1,000 500 1.6 3.9 10 7 10.1 7.03% 10Y 2M 26D 26Y 7M 13D Edelweiss Government Securities Fund Growth ₹23.9036
↓ -0.02 ₹173 5,000 1,000 1.9 3.9 9.8 6.6 9.8 6.92% 7Y 7M 20D 17Y 7M 8D Invesco India Gilt Fund Growth ₹2,756.55
↓ -4.23 ₹1,504 5,000 100 1.7 3.6 9.7 6.8 10 7.1% 11Y 4M 6D 29Y 10M 24D UTI Gilt Fund Growth ₹60.958
↓ -0.06 ₹647 5,000 500 2.1 4.1 9.3 6.6 8.9 7.01% 10Y 1M 17D 23Y 1M 10D SBI Magnum Gilt Fund Growth ₹64.013
↓ -0.07 ₹11,265 5,000 500 1.8 3.9 9.2 7.3 8.9 6.88% 9Y 10M 10D 24Y 6M 14D Nippon India Gilt Securities Fund Growth ₹37.0044
↓ -0.03 ₹2,140 5,000 100 1.8 3.9 9.2 6.3 8.9 7.05% 9Y 5M 16D 21Y 4M 20D Aditya Birla Sun Life Government Securities Fund Growth ₹78.9975
↓ -0.06 ₹2,045 1,000 1,000 1.8 3.8 9.2 6.3 9.1 7.07% 10Y 3M 24Y 3M 29D HDFC Gilt Fund Growth ₹53.6318
↓ -0.02 ₹2,882 5,000 300 2.1 4.2 9.1 6.4 8.7 7.02% 8Y 2M 5D 16Y 2M 26D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jan 25
(Erstwhile Axis Constant Maturity 10 Year Fund) To generate returns similar to that of 10 year government bonds. Axis Gilt Fund is a Debt - Government Bond fund was launched on 23 Jan 12. It is a fund with Moderate risk and has given a Below is the key information for Axis Gilt Fund Returns up to 1 year are on 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 The investment objective of the Scheme is to generate income through investment in Securities of various maturities issued and/or created by the Central Government and State Governments of India. However, there can be no assurance that the investment objectives of the Scheme will be realized Edelweiss Government Securities Fund is a Debt - Government Bond fund was launched on 13 Feb 14. It is a fund with Moderate risk and has given a Below is the key information for Edelweiss Government Securities Fund Returns up to 1 year are on The objective of the Scheme is to generate optimal returns by investing in a portfolio of securities issued and guaranteed by Central and State Government. Invesco India Gilt Fund is a Debt - Government Bond fund was launched on 9 Feb 08. It is a fund with Moderate risk and has given a Below is the key information for Invesco India Gilt Fund Returns up to 1 year are on (Erstwhile 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 (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 The primary investment objective of the scheme is to generate optimal credit risk-free returns by investing in a portfolio of securities issued and guaranteed by the Central Government and State Government. Nippon India Gilt Securities Fund is a Debt - Government Bond fund was launched on 22 Aug 08. It is a fund with Moderate risk and has given a Below is the key information for Nippon India Gilt Securities Fund Returns up to 1 year are on (Erstwhile 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 (Erstwhile HDFC Gilt Fund - Long Term Plan) The scheme seeks to generate credit risk - free returns through investments in sovereign securities issued by the Central Government and / or State Governments. HDFC Gilt Fund is a Debt - Government Bond fund was launched on 25 Jul 01. It is a fund with Moderate risk and has given a Below is the key information for HDFC Gilt Fund Returns up to 1 year are on 1. Axis Gilt Fund
CAGR/Annualized return of 7.2% 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 (28 Jan 25) ₹24.7567 ↓ -0.04 (-0.14 %) Net Assets (Cr) ₹934 on 31 Dec 24 Category Debt - Government Bond AMC Axis Asset Management Company Limited Rating ☆ Risk Moderate Expense Ratio 0.79 Sharpe Ratio 1.2 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.08% Effective Maturity 27 Years 3 Months 7 Days Modified Duration 10 Years 7 Months 6 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹11,312 31 Dec 21 ₹11,580 31 Dec 22 ₹11,855 31 Dec 23 ₹12,692 31 Dec 24 ₹13,959 Returns for Axis Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 25 Duration Returns 1 Month 1.1% 3 Month 2% 6 Month 4.4% 1 Year 10.3% 3 Year 6.8% 5 Year 7% 10 Year 15 Year Since launch 7.2% 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 12.16 Yr. Sachin Jain 1 Feb 23 1.92 Yr. Data below for Axis Gilt Fund as on 31 Dec 24
Asset Allocation
Asset Class Value Cash 12.27% Debt 87.73% Debt Sector Allocation
Sector Value Government 87.73% Cash Equivalent 12.27% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -25% ₹251 Cr 24,000,000
↓ -500,000 6.79% Govt Stock 2034
Sovereign Bonds | -17% ₹176 Cr 17,500,000
↑ 7,500,000 7.09% Govt Stock 2054
Sovereign Bonds | -16% ₹162 Cr 16,000,000
↓ -500,000 7.18% Govt Stock 2033
Sovereign Bonds | -8% ₹85 Cr 8,300,000 7.3% Govt Stock 2053
Sovereign Bonds | -7% ₹68 Cr 6,500,000 7.09% Government Of India 2074
Sovereign Bonds | -6% ₹62 Cr 6,143,000
↑ 1,500,000 Government Of India 6.92%
Sovereign Bonds | -3% ₹27 Cr 2,700,000
↓ -6,500,000 7.23% Govt Stock 2039
Sovereign Bonds | -2% ₹21 Cr 2,000,000
↓ -500,000 7.1% Govt Stock 2034
Sovereign Bonds | -2% ₹20 Cr 2,000,000 Maharashtra (Government of) 7.45%
- | -1% ₹11 Cr 1,083,700 2. IDFC Government Securities Fund - Investment Plan
CAGR/Annualized return of 7.9% 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 (28 Jan 25) ₹34.3883 ↓ -0.04 (-0.10 %) Net Assets (Cr) ₹3,841 on 31 Dec 24 Category Debt - Government Bond AMC IDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 1.19 Sharpe Ratio 0.88 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.14% Effective Maturity 28 Years 5 Months 19 Days Modified Duration 12 Years 1 Month 17 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹11,368 31 Dec 21 ₹11,602 31 Dec 22 ₹11,758 31 Dec 23 ₹12,552 31 Dec 24 ₹13,883 Returns for IDFC Government Securities Fund - Investment Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 25 Duration Returns 1 Month 1.2% 3 Month 1.6% 6 Month 3.5% 1 Year 10.2% 3 Year 6.6% 5 Year 6.9% 10 Year 15 Year Since launch 7.9% 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 14.22 Yr. Brijesh Shah 10 Jun 24 0.56 Yr. Data below for IDFC Government Securities Fund - Investment Plan as on 31 Dec 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 | -97% ₹3,691 Cr 354,200,000
↑ 9,400,000 7.17% Govt Stock 2028
Sovereign Bonds | -0% ₹0 Cr 6,300 Net Current Assets
Net Current Assets | -3% ₹125 Cr Triparty Repo Trp_161224
CBLO/Reverse Repo | -0% ₹2 Cr Cash Margin - Ccil
CBLO/Reverse Repo | -0% ₹0 Cr 3. DSP BlackRock Government Securities Fund
CAGR/Annualized return of 9.2% since its launch. Ranked 9 in Government Bond category. Return for 2024 was 10.1% , 2023 was 7.1% and 2022 was 2.7% . DSP BlackRock Government Securities Fund
Growth Launch Date 30 Sep 99 NAV (28 Jan 25) ₹92.9828 ↓ -0.12 (-0.12 %) Net Assets (Cr) ₹1,782 on 31 Dec 24 Category Debt - Government Bond AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk Moderate Expense Ratio 1.1 Sharpe Ratio 0.92 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 7.03% Effective Maturity 26 Years 7 Months 13 Days Modified Duration 10 Years 2 Months 26 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹11,307 31 Dec 21 ₹11,661 31 Dec 22 ₹11,975 31 Dec 23 ₹12,822 31 Dec 24 ₹14,117 Returns for DSP BlackRock Government Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 25 Duration Returns 1 Month 1% 3 Month 1.6% 6 Month 3.9% 1 Year 10% 3 Year 7% 5 Year 7.2% 10 Year 15 Year Since launch 9.2% 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 0.42 Yr. Shantanu Godambe 1 Jun 23 1.59 Yr. Data below for DSP BlackRock Government Securities Fund as on 31 Dec 24
Asset Allocation
Asset Class Value Cash 0.16% Debt 99.84% Debt Sector Allocation
Sector Value Government 99.84% Cash Equivalent 0.16% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -40% ₹783 Cr 74,000,000
↑ 21,500,000 7.3% Govt Stock 2053
Sovereign Bonds | -15% ₹286 Cr 26,500,000
↓ -500,000 7.12% State Government Of Maharashtra 2043
Sovereign Bonds | -11% ₹204 Cr 20,000,000 7.09% Government Of India 2074
Sovereign Bonds | -8% ₹153 Cr 15,000,000
↓ -7,500,000 7.09% Govt Stock 2054
Sovereign Bonds | -7% ₹135 Cr 13,000,000
↑ 13,000,000 7.26% Maharashtra SDL 2050
Sovereign Bonds | -5% ₹104 Cr 10,000,000 7.14% Madhya Pradesh SDL 2043
Sovereign Bonds | -5% ₹102 Cr 10,000,000
↓ -2,500,000 6.79% Govt Stock 2034
Sovereign Bonds | -3% ₹66 Cr 6,500,000
↓ -10,500,000 7.06% Govt Stock 2046
Sovereign Bonds | -3% ₹62 Cr 6,000,000
↓ -500,000 7.25% State Government Of Maharashtra 2045
Sovereign Bonds | -1% ₹26 Cr 2,500,000
↑ 2,500,000 4. Edelweiss Government Securities Fund
CAGR/Annualized return of 8.3% since its launch. Ranked 18 in Government Bond category. Return for 2024 was 9.8% , 2023 was 6.2% and 2022 was 2.5% . Edelweiss Government Securities Fund
Growth Launch Date 13 Feb 14 NAV (28 Jan 25) ₹23.9036 ↓ -0.02 (-0.09 %) Net Assets (Cr) ₹173 on 31 Dec 24 Category Debt - Government Bond AMC Edelweiss Asset Management Limited Rating ☆☆ Risk Moderate Expense Ratio 1.21 Sharpe Ratio 0.98 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 17 Years 7 Months 8 Days Modified Duration 7 Years 7 Months 20 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹11,362 31 Dec 21 ₹11,832 31 Dec 22 ₹12,130 31 Dec 23 ₹12,886 31 Dec 24 ₹14,144 Returns for Edelweiss Government Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 25 Duration Returns 1 Month 1.2% 3 Month 1.9% 6 Month 3.9% 1 Year 9.8% 3 Year 6.6% 5 Year 7.3% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 9.8% 2022 6.2% 2021 2.5% 2020 4.1% 2019 13.6% 2018 10.7% 2017 6.8% 2016 4.2% 2015 12.5% 2014 5.8% Fund Manager information for Edelweiss Government Securities Fund
Name Since Tenure Rahul Dedhia 23 Nov 21 3.11 Yr. Hetul Raval 1 Jul 24 0.5 Yr. Data below for Edelweiss Government Securities Fund as on 31 Dec 24
Asset Allocation
Asset Class Value Cash 4.6% Debt 95.4% Debt Sector Allocation
Sector Value Government 95.4% Cash Equivalent 4.6% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.3% Govt Stock 2053
Sovereign Bonds | -35% ₹63 Cr 6,000,000
↓ -2,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -20% ₹35 Cr 3,500,000
↑ 1,000,000 7.18% Govt Stock 2037
Sovereign Bonds | -14% ₹26 Cr 2,500,000
↓ -500,000 7.1% Govt Stock 2034
Sovereign Bonds | -14% ₹26 Cr 2,500,000 7.34% Govt Stock 2064
Sovereign Bonds | -12% ₹21 Cr 2,000,000 08.38 GJ Sdl 2029
Sovereign Bonds | -0% ₹0 Cr 9,100 Clearing Corporation Of India Ltd.
CBLO/Reverse Repo | -3% ₹5 Cr Accrued Interest
CBLO | -2% ₹4 Cr Net Receivables/(Payables)
CBLO | -0% -₹1 Cr 5. Invesco India Gilt Fund
CAGR/Annualized return of 6.2% since its launch. Ranked 10 in Government Bond category. Return for 2024 was 10% , 2023 was 6.6% and 2022 was 2.3% . Invesco India Gilt Fund
Growth Launch Date 9 Feb 08 NAV (28 Jan 25) ₹2,756.55 ↓ -4.23 (-0.15 %) Net Assets (Cr) ₹1,504 on 31 Dec 24 Category Debt - Government Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.2 Sharpe Ratio 0.87 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.1% Effective Maturity 29 Years 10 Months 24 Days Modified Duration 11 Years 4 Months 6 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹10,824 31 Dec 21 ₹10,897 31 Dec 22 ₹11,153 31 Dec 23 ₹11,887 31 Dec 24 ₹13,072 Returns for Invesco India Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 25 Duration Returns 1 Month 1.1% 3 Month 1.7% 6 Month 3.6% 1 Year 9.7% 3 Year 6.8% 5 Year 5.6% 10 Year 15 Year Since launch 6.2% Historical performance (Yearly) on absolute basis
Year Returns 2023 10% 2022 6.6% 2021 2.3% 2020 0.7% 2019 8.2% 2018 9.6% 2017 6.2% 2016 1.2% 2015 16.6% 2014 4.2% Fund Manager information for Invesco India Gilt Fund
Name Since Tenure Krishna Cheemalapati 27 Jul 21 3.44 Yr. Vikas Garg 26 Sep 20 4.27 Yr. Data below for Invesco India Gilt Fund as on 31 Dec 24
Asset Allocation
Asset Class Value Cash 4.04% Debt 95.96% Debt Sector Allocation
Sector Value Government 95.96% Cash Equivalent 4.04% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -27% ₹414 Cr 39,531,000
↑ 9,000,000 7.09% Govt Stock 2054
Sovereign Bonds | -25% ₹381 Cr 37,500,000
↑ 8,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -18% ₹271 Cr 26,000,000
↓ -1,500,000 6.79% Govt Stock 2034
Sovereign Bonds | -7% ₹101 Cr 10,012,900
↑ 2,500,000 7.18% Govt Stock 2037
Sovereign Bonds | -6% ₹92 Cr 9,000,000 7.46% Govt Stock 2073
Sovereign Bonds | -5% ₹75 Cr 7,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -4% ₹61 Cr 6,000,000
↓ -1,000,000 7.23% Govt Stock 2039
Sovereign Bonds | -3% ₹41 Cr 4,000,000 7.09% Government Of India 2074
Sovereign Bonds | -2% ₹33 Cr 3,214,400 Triparty Repo
CBLO/Reverse Repo | -2% ₹32 Cr 6. UTI Gilt Fund
CAGR/Annualized return of 8.2% since its launch. Ranked 7 in Government Bond category. Return for 2024 was 8.9% , 2023 was 6.7% and 2022 was 2.9% . UTI Gilt Fund
Growth Launch Date 21 Jan 02 NAV (28 Jan 25) ₹60.958 ↓ -0.06 (-0.10 %) Net Assets (Cr) ₹647 on 31 Dec 24 Category Debt - Government Bond AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.92 Sharpe Ratio 0.81 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 31 Dec 19 ₹10,000 31 Dec 20 ₹11,027 31 Dec 21 ₹11,276 31 Dec 22 ₹11,609 31 Dec 23 ₹12,384 31 Dec 24 ₹13,488 Returns for UTI Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 25 Duration Returns 1 Month 1.3% 3 Month 2.1% 6 Month 4.1% 1 Year 9.3% 3 Year 6.6% 5 Year 6.3% 10 Year 15 Year Since launch 8.2% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.9% 2022 6.7% 2021 2.9% 2020 2.3% 2019 10.3% 2018 11.8% 2017 6.3% 2016 4.3% 2015 15.5% 2014 6.1% Fund Manager information for UTI Gilt Fund
Name Since Tenure Sudhir Agarwal 1 Dec 21 3.09 Yr. Data below for UTI Gilt Fund as on 31 Dec 24
Asset Allocation
Asset Class Value Cash 2.16% Debt 97.84% Debt Sector Allocation
Sector Value Government 97.84% Cash Equivalent 2.16% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.92% Govt Stock 2039
Sovereign Bonds | -20% ₹131 Cr 1,300,000,000 7.34% Govt Stock 2064
Sovereign Bonds | -18% ₹119 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 6.79% Govt Stock 2034
Sovereign Bonds | -12% ₹75 Cr 750,000,000
↑ 50,000,000 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 Net Current Assets
Net Current Assets | -2% ₹12 Cr Clearing Corporation Of India Ltd. Std - Margin
CBLO/Reverse Repo | -0% ₹2 Cr 00 7. SBI Magnum Gilt Fund
CAGR/Annualized return of 8% since its launch. Ranked 3 in Government Bond category. Return for 2024 was 8.9% , 2023 was 7.6% and 2022 was 4.2% . SBI Magnum Gilt Fund
Growth Launch Date 30 Dec 00 NAV (28 Jan 25) ₹64.013 ↓ -0.07 (-0.10 %) Net Assets (Cr) ₹11,265 on 31 Dec 24 Category Debt - Government Bond AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 0.94 Sharpe Ratio 0.76 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.88% Effective Maturity 24 Years 6 Months 14 Days Modified Duration 9 Years 10 Months 10 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹11,171 31 Dec 21 ₹11,504 31 Dec 22 ₹11,991 31 Dec 23 ₹12,904 31 Dec 24 ₹14,056 Returns for SBI Magnum Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 25 Duration Returns 1 Month 1.1% 3 Month 1.8% 6 Month 3.9% 1 Year 9.2% 3 Year 7.3% 5 Year 7.1% 10 Year 15 Year Since launch 8% 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 1.17 Yr. Tejas Soman 1 Dec 23 1.09 Yr. Data below for SBI Magnum Gilt Fund as on 31 Dec 24
Asset Allocation
Asset Class Value Cash 2.37% Debt 97.63% Debt Sector Allocation
Sector Value Government 97.63% Cash Equivalent 2.37% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -44% ₹4,935 Cr 471,500,000
↑ 3,500,000 6.79% Govt Stock 2034
Sovereign Bonds | -26% ₹2,915 Cr 290,326,300
↑ 267,491,000 7.23% Govt Stock 2039
Sovereign Bonds | -10% ₹1,092 Cr 105,500,000
↓ -57,500,000 7.3% Govt Stock 2053
Sovereign Bonds | -10% ₹1,073 Cr 103,000,000
↑ 15,000,000 Government Of India 6.92%
Sovereign Bonds | -5% ₹544 Cr 54,000,000
↑ 54,000,000 7.93% Govt Stock 2033
Sovereign Bonds | -2% ₹241 Cr 23,500,000 7.26% Govt Stock 2033
Sovereign Bonds | -1% ₹118 Cr 11,500,000
↓ -2,000,000 Treps
CBLO/Reverse Repo | -17% ₹1,851 Cr Net Receivable / Payable
CBLO | -14% -₹1,586 Cr 7.1% Govt Stock 2034
Sovereign Bonds | -₹0 Cr 00
↓ -240,103,800 8. Nippon India Gilt Securities Fund
CAGR/Annualized return of 8.3% since its launch. Ranked 2 in Government Bond category. Return for 2024 was 8.9% , 2023 was 6.7% and 2022 was 2.1% . Nippon India Gilt Securities Fund
Growth Launch Date 22 Aug 08 NAV (28 Jan 25) ₹37.0044 ↓ -0.03 (-0.09 %) Net Assets (Cr) ₹2,140 on 31 Dec 24 Category Debt - Government Bond AMC Nippon Life Asset Management Ltd. Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.42 Sharpe Ratio 0.76 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 31 Dec 19 ₹10,000 31 Dec 20 ₹11,122 31 Dec 21 ₹11,323 31 Dec 22 ₹11,557 31 Dec 23 ₹12,335 31 Dec 24 ₹13,433 Returns for Nippon India Gilt Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 25 Duration Returns 1 Month 1.1% 3 Month 1.8% 6 Month 3.9% 1 Year 9.2% 3 Year 6.3% 5 Year 6.2% 10 Year 15 Year Since launch 8.3% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.9% 2022 6.7% 2021 2.1% 2020 1.8% 2019 11.2% 2018 12.4% 2017 8% 2016 3.4% 2015 17% 2014 6.2% Fund Manager information for Nippon India Gilt Securities Fund
Name Since Tenure Pranay Sinha 31 Mar 21 3.76 Yr. Kinjal Desai 31 Oct 21 3.17 Yr. Data below for Nippon India Gilt Securities Fund as on 31 Dec 24
Asset Allocation
Asset Class Value Cash 4.07% Debt 95.93% Debt Sector Allocation
Sector Value Government 95.93% Cash Equivalent 4.07% 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 | -14% ₹309 Cr 29,500,000 7.3% Govt Stock 2053
Sovereign Bonds | -11% ₹240 Cr 23,000,000 7.09% Govt Stock 2054
Sovereign Bonds | -11% ₹228 Cr 22,500,000 7.18% Govt Stock 2037
Sovereign Bonds | -8% ₹174 Cr 16,965,200 7.25% Govt Stock 2063
Sovereign Bonds | -7% ₹144 Cr 14,000,000 7.18% Govt Stock 2033
Sovereign Bonds | -7% ₹144 Cr 14,000,000
↓ -1,000,000 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 6.8% Govt Stock 2060
Sovereign Bonds | -3% ₹58 Cr 6,000,000 9. Aditya Birla Sun Life Government Securities Fund
CAGR/Annualized return of 8.5% since its launch. Ranked 4 in Government Bond category. Return for 2024 was 9.1% , 2023 was 7.1% and 2022 was 1.7% . Aditya Birla Sun Life Government Securities Fund
Growth Launch Date 12 Oct 99 NAV (28 Jan 25) ₹78.9975 ↓ -0.06 (-0.08 %) Net Assets (Cr) ₹2,045 on 31 Dec 24 Category Debt - Government Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.05 Sharpe Ratio 0.76 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load 0-90 Days (0.5%),90 Days and above(NIL) Yield to Maturity 7.07% Effective Maturity 24 Years 3 Months 29 Days Modified Duration 10 Years 3 Months Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹11,205 31 Dec 21 ₹11,603 31 Dec 22 ₹11,805 31 Dec 23 ₹12,640 31 Dec 24 ₹13,784 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 28 Jan 25 Duration Returns 1 Month 1.1% 3 Month 1.8% 6 Month 3.8% 1 Year 9.2% 3 Year 6.3% 5 Year 6.7% 10 Year 15 Year Since launch 8.5% Historical performance (Yearly) on absolute basis
Year Returns 2023 9.1% 2022 7.1% 2021 1.7% 2020 3.6% 2019 12.1% 2018 11% 2017 6.9% 2016 4.4% 2015 16.7% 2014 5.7% Fund Manager information for Aditya Birla Sun Life Government Securities Fund
Name Since Tenure Bhupesh Bameta 6 Aug 20 4.41 Yr. Data below for Aditya Birla Sun Life Government Securities Fund as on 31 Dec 24
Asset Allocation
Asset Class Value Cash 4.21% Debt 95.79% Debt Sector Allocation
Sector Value Government 95.79% Cash Equivalent 4.21% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.3% Govt Stock 2053
Sovereign Bonds | -52% ₹1,127 Cr 108,179,750
↓ -3,000,000 7.18% Govt Stock 2033
Sovereign Bonds | -23% ₹502 Cr 49,000,000
↑ 3,500,000 7.34% Govt Stock 2064
Sovereign Bonds | -10% ₹212 Cr 20,298,800
↑ 10,000,000 7.26% Govt Stock 2033
Sovereign Bonds | -8% ₹170 Cr 16,525,000
↓ -5,000,000 6.76% Govt Stock 2061
Sovereign Bonds | -1% ₹29 Cr 3,000,000
↑ 3,000,000 State Government Securities (07/08/2034)
Sovereign Bonds | -1% ₹25 Cr 2,500,000
↑ 2,500,000 7.18% Govt Stock 2037
Sovereign Bonds | -0% ₹10 Cr 1,000,000
↓ -2,923,050 7.25% Govt Stock 2063
Sovereign Bonds | -0% ₹5 Cr 500,000
↑ 500,000 7.09% Government Of India 2074
Sovereign Bonds | -0% ₹3 Cr 285,700 5.63% Govt Stock 2026
Sovereign Bonds | -0% ₹1 Cr 65,000 10. HDFC Gilt Fund
CAGR/Annualized return of 7.4% since its launch. Ranked 7 in Government Bond category. Return for 2024 was 8.7% , 2023 was 7.1% and 2022 was 1.7% . HDFC Gilt Fund
Growth Launch Date 25 Jul 01 NAV (28 Jan 25) ₹53.6318 ↓ -0.02 (-0.03 %) Net Assets (Cr) ₹2,882 on 31 Dec 24 Category Debt - Government Bond AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.88 Sharpe Ratio 0.83 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 7.02% Effective Maturity 16 Years 2 Months 26 Days Modified Duration 8 Years 2 Months 5 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹11,075 31 Dec 21 ₹11,318 31 Dec 22 ₹11,513 31 Dec 23 ₹12,332 31 Dec 24 ₹13,411 Returns for HDFC Gilt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 25 Duration Returns 1 Month 1.2% 3 Month 2.1% 6 Month 4.2% 1 Year 9.1% 3 Year 6.4% 5 Year 6.1% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2023 8.7% 2022 7.1% 2021 1.7% 2020 2.2% 2019 10.7% 2018 8.6% 2017 5.4% 2016 1.8% 2015 16.6% 2014 5.9% Fund Manager information for HDFC Gilt Fund
Name Since Tenure Anil Bamboli 1 Sep 07 17.35 Yr. Dhruv Muchhal 22 Jun 23 1.53 Yr. Data below for HDFC Gilt Fund as on 31 Dec 24
Asset Allocation
Asset Class Value Cash 3.68% Debt 96.32% Debt Sector Allocation
Sector Value Government 96.32% Cash Equivalent 3.68% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -24% ₹723 Cr 70,500,000
↓ -2,500,000 7.3% Govt Stock 2053
Sovereign Bonds | -16% ₹485 Cr 46,500,000 7.26% Govt Stock 2033
Sovereign Bonds | -8% ₹247 Cr 24,000,000 7.34% Govt Stock 2064
Sovereign Bonds | -7% ₹213 Cr 20,370,000
↑ 4,370,000 6.79% Govt Stock 2034
Sovereign Bonds | -7% ₹202 Cr 20,083,400 7.1% Govt Stock 2034
Sovereign Bonds | -6% ₹194 Cr 19,000,000
↑ 2,500,000 7.26% Govt Stock 2032
Sovereign Bonds | -6% ₹175 Cr 17,000,000 7.17% Govt Stock 2030
Sovereign Bonds | -5% ₹138 Cr 13,500,000 7.18% Govt Stock 2037
Sovereign Bonds | -4% ₹123 Cr 12,000,000 7.25% Govt Stock 2063
Sovereign Bonds | -3% ₹88 Cr 8,500,000
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