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طویل مدتی قرض فنڈز | بہترین لانگ ٹرم ڈیبٹ فنڈز - Fincash.com

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طویل مدتی قرض فنڈز- آپ کو کب سرمایہ کاری کرنی چاہئے؟

Updated on November 18, 2024 , 11243 views

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۔

long-term-debt-funds

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

FundNAVNet Assets (Cr)Min InvestmentMin SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)2023 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
IDFC Government Securities Fund - Investment Plan Growth ₹33.8219
↓ -0.06
₹3,206 5,000 1,000 14.8115.96.87.07%11Y 11M 5D28Y 8M 1D
Axis Gilt Fund Growth ₹24.2902
↓ -0.04
₹696 5,000 1,000 1.74.910.36.17.16.98%10Y 29D23Y 7M 6D
Invesco India Gilt Fund Growth ₹2,710.27
↓ -4.87
₹1,106 5,000 100 1.24.710.366.67.04%10Y 8M 26D25Y 11M 12D
DSP BlackRock Government Securities Fund Growth ₹91.4464
↓ -0.14
₹1,539 1,000 500 1.54.910.26.37.17.04%11Y 11M 1D
Edelweiss Government Securities Fund Growth ₹23.4668
↓ -0.03
₹199 5,000 1,000 1.34.4105.96.26.92%8Y 2M 1D16Y 9M 3D
Aditya Birla Sun Life Government Securities Fund Growth ₹77.6266
↓ -0.10
₹2,304 1,000 1,000 1.34.49.45.77.16.92%9Y 11D18Y 10M 2D
PGIM India Gilt Fund Growth ₹28.8538
↓ -0.03
₹116 5,000 1,000 14.29.25.46.66.99%8Y 10M 28D17Y 9M 11D
Nippon India Gilt Securities Fund Growth ₹36.3611
↓ -0.05
₹2,094 5,000 100 1.44.59.15.56.77.04%9Y 3M 14D20Y 3M 11D
UTI Gilt Fund Growth ₹59.7598
↓ -0.08
₹663 5,000 500 13.99.15.76.76.87%7Y 6M 22D14Y 11M 12D
Canara Robeco Gilt Fund Growth ₹72.1587
↓ -0.12
₹121 5,000 1,000 0.9495.56.57.02%10Y 3M 16D25Y 5M 17D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 21 Nov 24

1. IDFC Government Securities Fund - Investment Plan

IDFC – GSF -IP is an open ended dedicated gilt scheme with an objective to generate optimal returns with high liquidity by investing in Government Securities.However there is no assurance that the investment objective of the scheme will be realized.

IDFC Government Securities Fund - Investment Plan is a Debt - Government Bond fund was launched on 3 Dec 08. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.9% since its launch.  Ranked 14 in Government Bond category.  Return for 2023 was 6.8% , 2022 was 1.4% and 2021 was 2.1% .

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

IDFC Government Securities Fund - Investment Plan
Growth
Launch Date 3 Dec 08
NAV (21 Nov 24) ₹33.8219 ↓ -0.06   (-0.17 %)
Net Assets (Cr) ₹3,206 on 31 Oct 24
Category Debt - Government Bond
AMC IDFC Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.19
Sharpe Ratio 1.42
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.07%
Effective Maturity 28 Years 8 Months 1 Day
Modified Duration 11 Years 11 Months 5 Days

Growth of 10,000 investment over the years.

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

IDFC Government Securities Fund - Investment Plan SIP Returns

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

Returns for IDFC Government Securities Fund - Investment Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Nov 24

DurationReturns
1 Month -0.3%
3 Month 1%
6 Month 4.8%
1 Year 11%
3 Year 5.9%
5 Year 6.8%
10 Year
15 Year
Since launch 7.9%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Suyash Choudhary15 Oct 1014.05 Yr.
Brijesh Shah10 Jun 240.39 Yr.

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

Asset Allocation
Asset ClassValue
Cash1.9%
Debt98.1%
Debt Sector Allocation
SectorValue
Government98.1%
Cash Equivalent1.9%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.30 Goi 19062053
Sovereign Bonds | -
98%₹3,021 Cr287,500,000
↑ 18,400,000
7.17% Govt Stock 08012028
Sovereign Bonds | -
0%₹0 Cr6,300
Net Current Assets
Net Current Assets | -
2%₹56 Cr
Triparty Repo Trp_011024
CBLO/Reverse Repo | -
0%₹2 Cr
Cash Margin - Ccil
CBLO/Reverse Repo | -
0%₹0 Cr

2. Axis Gilt Fund

(Erstwhile Axis Constant Maturity 10 Year Fund)

To generate returns similar to that of 10 year government bonds.

Axis Gilt Fund is a Debt - Government Bond fund was launched on 23 Jan 12. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.2% since its launch.  Ranked 16 in Government Bond category.  Return for 2023 was 7.1% , 2022 was 2.4% and 2021 was 2.4% .

Below is the key information for Axis Gilt Fund

Axis Gilt Fund
Growth
Launch Date 23 Jan 12
NAV (21 Nov 24) ₹24.2902 ↓ -0.04   (-0.15 %)
Net Assets (Cr) ₹696 on 15 Nov 24
Category Debt - Government Bond
AMC Axis Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.79
Sharpe Ratio 1.77
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.98%
Effective Maturity 23 Years 7 Months 6 Days
Modified Duration 10 Years 29 Days

Growth of 10,000 investment over the years.

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

Axis Gilt Fund SIP Returns

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

Returns for Axis Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Nov 24

DurationReturns
1 Month 0%
3 Month 1.7%
6 Month 4.9%
1 Year 10.3%
3 Year 6.1%
5 Year 6.8%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Devang Shah5 Nov 1211.99 Yr.
Sachin Jain1 Feb 231.75 Yr.

Data below for Axis Gilt Fund as on 15 Nov 24

Asset Allocation
Asset ClassValue
Cash13.06%
Debt86.94%
Debt Sector Allocation
SectorValue
Government86.94%
Cash Equivalent13.06%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.34% Govt Stock 2064
Sovereign Bonds | -
31%₹210 Cr20,000,000
↑ 11,000,000
7.10%Goi 08/04/2034
Sovereign Bonds | -
19%₹128 Cr12,500,000
↑ 3,000,000
7.30 Goi 19062053
Sovereign Bonds | -
14%₹94 Cr9,000,000
↓ -7,500,000
07.18 Goi 14082033
Sovereign Bonds | -
10%₹70 Cr6,800,000
↑ 6,000,000
7.23% Goi 15/04/2039
Sovereign Bonds | -
7%₹44 Cr4,200,000
↓ -6,000,000
7.25% Govt Stock 2063
Sovereign Bonds | -
2%₹16 Cr1,500,000
Maharashtra (Government of) 7.45%
- | -
2%₹11 Cr1,083,700
07.18 Goi 24072037
Sovereign Bonds | -
1%₹7 Cr700,000
7.39 CG Sdl 2033
Sovereign Bonds | -
0%₹2 Cr235,700
Net Receivables / (Payables)
CBLO | -
9%₹63 Cr

3. Invesco India Gilt Fund

The objective of the Scheme is to generate optimal returns by investing in a portfolio of securities issued and guaranteed by Central and State Government.

Invesco India Gilt Fund is a Debt - Government Bond fund was launched on 9 Feb 08. It is a fund with Moderate risk and has given a CAGR/Annualized return of 6.1% since its launch.  Ranked 10 in Government Bond category.  Return for 2023 was 6.6% , 2022 was 2.3% and 2021 was 0.7% .

Below is the key information for Invesco India Gilt Fund

Invesco India Gilt Fund
Growth
Launch Date 9 Feb 08
NAV (21 Nov 24) ₹2,710.27 ↓ -4.87   (-0.18 %)
Net Assets (Cr) ₹1,106 on 31 Oct 24
Category Debt - Government Bond
AMC Invesco Asset Management (India) Private Ltd
Rating
Risk Moderate
Expense Ratio 1.2
Sharpe Ratio 1.38
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.04%
Effective Maturity 25 Years 11 Months 12 Days
Modified Duration 10 Years 8 Months 26 Days

Growth of 10,000 investment over the years.

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

Invesco India Gilt Fund SIP Returns

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

Returns for Invesco India Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Nov 24

DurationReturns
1 Month -0.1%
3 Month 1.2%
6 Month 4.7%
1 Year 10.3%
3 Year 6%
5 Year 5.3%
10 Year
15 Year
Since launch 6.1%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Krishna Cheemalapati27 Jul 213.27 Yr.
Vikas Garg26 Sep 204.1 Yr.

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

Asset Allocation
Asset ClassValue
Cash2.82%
Debt97.18%
Debt Sector Allocation
SectorValue
Government97.18%
Cash Equivalent2.82%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.30 Goi 19062053
Sovereign Bonds | -
25%₹314 Cr30,000,000
07.09 Goi 05082054
Sovereign Bonds | -
23%₹285 Cr27,900,200
↑ 2,000,000
7.34% Govt Stock 2064
Sovereign Bonds | -
16%₹195 Cr18,500,000
↑ 3,500,000
7.23% Goi 15/04/2039
Sovereign Bonds | -
15%₹192 Cr18,500,000
↓ -3,500,000
07.18 Goi 24072037
Sovereign Bonds | -
9%₹118 Cr11,500,000
7.46% Govt Stock 2073
Sovereign Bonds | -
5%₹64 Cr6,000,000
7.10%Goi 08/04/2034
Sovereign Bonds | -
4%₹46 Cr4,500,000
↑ 4,500,000
6.79 Goi 2034
Sovereign Bonds | -
0%₹0 Cr12,900
↑ 12,900
Triparty Repo
CBLO/Reverse Repo | -
2%₹19 Cr
Net Receivables / (Payables)
Net Current Assets | -
1%₹16 Cr

4. DSP BlackRock Government Securities Fund

The Scheme aims to generate returns through investments in Central Govt Securities.

DSP BlackRock Government Securities Fund is a Debt - Government Bond fund was launched on 30 Sep 99. It is a fund with Moderate risk and has given a CAGR/Annualized return of 9.2% since its launch.  Ranked 9 in Government Bond category.  Return for 2023 was 7.1% , 2022 was 2.7% and 2021 was 3.1% .

Below is the key information for DSP BlackRock Government Securities Fund

DSP BlackRock Government Securities Fund
Growth
Launch Date 30 Sep 99
NAV (21 Nov 24) ₹91.4464 ↓ -0.14   (-0.15 %)
Net Assets (Cr) ₹1,539 on 31 Oct 24
Category Debt - Government Bond
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk Moderate
Expense Ratio 1.1
Sharpe Ratio 1.39
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 500
Exit Load 0-7 Days (0.1%),7 Days and above(NIL)
Yield to Maturity 7.04%
Effective Maturity
Modified Duration 11 Years 11 Months 1 Day

Growth of 10,000 investment over the years.

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

DSP BlackRock Government Securities Fund SIP Returns

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

Returns for DSP BlackRock Government Securities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Nov 24

DurationReturns
1 Month -0.2%
3 Month 1.5%
6 Month 4.9%
1 Year 10.2%
3 Year 6.3%
5 Year 7%
10 Year
15 Year
Since launch 9.2%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Sandeep Yadav1 Aug 240.25 Yr.
Shantanu Godambe1 Jun 231.42 Yr.

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

Asset Allocation
Asset ClassValue
Cash0.9%
Debt99.1%
Debt Sector Allocation
SectorValue
Government99.1%
Cash Equivalent0.9%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.34% Govt Stock 2064
Sovereign Bonds | -
35%₹534 Cr51,000,000
↑ 8,000,000
7.3% Govt Stock 2053
Sovereign Bonds | -
20%₹315 Cr29,500,000
↓ -7,000,000
7.12% State Government Of Maharashtra 2043
Sovereign Bonds | -
13%₹201 Cr20,000,000
7.14% Madhya Pradesh SDL 2043
Sovereign Bonds | -
8%₹126 Cr12,500,000
7.09% Govt Stock 2054
Sovereign Bonds | -
7%₹113 Cr11,000,000
↑ 2,500,000
7.26% Maharashtra SDL 2050
Sovereign Bonds | -
7%₹102 Cr10,000,000
7.46% Govt Stock 2073
Sovereign Bonds | -
4%₹55 Cr5,000,000
7.85% MP Sdl 2032
Sovereign Bonds | -
3%₹54 Cr5,000,000
7.22% Maharashtra SDL 2049
Sovereign Bonds | -
1%₹15 Cr1,500,000
6.76% Govt Stock 2061
Sovereign Bonds | -
1%₹10 Cr1,000,000

5. Edelweiss Government Securities Fund

The investment objective of the Scheme is to generate income through investment in Securities of various maturities issued and/or created by the Central Government and State Governments of India. However, there can be no assurance that the investment objectives of the Scheme will be realized

Edelweiss Government Securities Fund is a Debt - Government Bond fund was launched on 13 Feb 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.3% since its launch.  Ranked 18 in Government Bond category.  Return for 2023 was 6.2% , 2022 was 2.5% and 2021 was 4.1% .

Below is the key information for Edelweiss Government Securities Fund

Edelweiss Government Securities Fund
Growth
Launch Date 13 Feb 14
NAV (21 Nov 24) ₹23.4668 ↓ -0.03   (-0.14 %)
Net Assets (Cr) ₹199 on 31 Oct 24
Category Debt - Government Bond
AMC Edelweiss Asset Management Limited
Rating
Risk Moderate
Expense Ratio 1.21
Sharpe Ratio 1.56
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity 6.92%
Effective Maturity 16 Years 9 Months 3 Days
Modified Duration 8 Years 2 Months 1 Day

Growth of 10,000 investment over the years.

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

Edelweiss Government Securities Fund SIP Returns

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

Returns for Edelweiss Government Securities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Nov 24

DurationReturns
1 Month 0%
3 Month 1.3%
6 Month 4.4%
1 Year 10%
3 Year 5.9%
5 Year 7%
10 Year
15 Year
Since launch 8.3%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Rahul Dedhia23 Nov 212.94 Yr.
Hetul Raval1 Jul 240.34 Yr.

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

Asset Allocation
Asset ClassValue
Cash16.92%
Debt83.08%
Debt Sector Allocation
SectorValue
Government83.08%
Cash Equivalent16.92%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.3% Govt Stock 2053
Sovereign Bonds | -
42%₹83 Cr8,000,000
7.1% Govt Stock 2034
Sovereign Bonds | -
26%₹51 Cr5,000,000
7.18% Govt Stock 2037
Sovereign Bonds | -
15%₹31 Cr3,000,000
08.38 GJ Sdl 2029
Sovereign Bonds | -
0%₹0 Cr9,100
Clearing Corporation Of India Ltd.
CBLO/Reverse Repo | -
15%₹31 Cr
Accrued Interest
CBLO | -
1%₹3 Cr
Net Receivables/(Payables)
CBLO/Reverse Repo | -
0%₹0 Cr
07.18 Goi 14082033
Sovereign Bonds | -
₹0 Cr00
↓ -3,000,000

6. Aditya Birla Sun Life Government Securities Fund

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

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

Aditya Birla Sun Life Government Securities Fund is a Debt - Government Bond fund was launched on 12 Oct 99. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.5% since its launch.  Ranked 4 in Government Bond category.  Return for 2023 was 7.1% , 2022 was 1.7% and 2021 was 3.6% .

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

Aditya Birla Sun Life Government Securities Fund
Growth
Launch Date 12 Oct 99
NAV (21 Nov 24) ₹77.6266 ↓ -0.10   (-0.12 %)
Net Assets (Cr) ₹2,304 on 31 Oct 24
Category Debt - Government Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderate
Expense Ratio 1.05
Sharpe Ratio 1.36
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load 0-90 Days (0.5%),90 Days and above(NIL)
Yield to Maturity 6.92%
Effective Maturity 18 Years 10 Months 2 Days
Modified Duration 9 Years 11 Days

Growth of 10,000 investment over the years.

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

Aditya Birla Sun Life Government Securities Fund SIP Returns

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

Returns for Aditya Birla Sun Life Government Securities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Nov 24

DurationReturns
1 Month -0.1%
3 Month 1.3%
6 Month 4.4%
1 Year 9.4%
3 Year 5.7%
5 Year 6.5%
10 Year
15 Year
Since launch 8.5%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Bhupesh Bameta6 Aug 204.24 Yr.
Dhaval Joshi21 Nov 221.95 Yr.

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

Asset Allocation
Asset ClassValue
Cash3.69%
Debt96.31%
Debt Sector Allocation
SectorValue
Government96.31%
Cash Equivalent3.69%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.30 Goi 19062053
Sovereign Bonds | -
50%₹1,123 Cr107,179,750
07.18 Goi 14082033
Sovereign Bonds | -
26%₹585 Cr57,000,000
↑ 6,500,000
7.26% Govt Stock 2033
Sovereign Bonds | -
13%₹283 Cr27,525,000
07.18 Goi 24072037
Sovereign Bonds | -
6%₹133 Cr12,923,050
↑ 5,000,000
7.10%Goi 08/04/2034
Sovereign Bonds | -
2%₹51 Cr5,000,000
↑ 5,000,000
5.63% Govt Stock 2026
Sovereign Bonds | -
0%₹1 Cr65,000
Net Receivables / (Payables)
Net Current Assets | -
2%₹52 Cr
Clearing Corporation Of India Limited
CBLO/Reverse Repo | -
1%₹31 Cr

7. PGIM India Gilt Fund

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

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

Below is the key information for PGIM India Gilt Fund

PGIM India Gilt Fund
Growth
Launch Date 27 Oct 08
NAV (21 Nov 24) ₹28.8538 ↓ -0.03   (-0.10 %)
Net Assets (Cr) ₹116 on 31 Oct 24
Category Debt - Government Bond
AMC Pramerica Asset Managers Private Limited
Rating
Risk Moderate
Expense Ratio 1.46
Sharpe Ratio 1.13
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.99%
Effective Maturity 17 Years 9 Months 11 Days
Modified Duration 8 Years 10 Months 28 Days

Growth of 10,000 investment over the years.

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

PGIM India Gilt Fund SIP Returns

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

Returns for PGIM India Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Nov 24

DurationReturns
1 Month -0.1%
3 Month 1%
6 Month 4.2%
1 Year 9.2%
3 Year 5.4%
5 Year 5.8%
10 Year
15 Year
Since launch 6.8%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Bhupesh Kalyani13 Sep 222.13 Yr.
Puneet Pal13 Dec 176.89 Yr.

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

Asset Allocation
Asset ClassValue
Cash10.43%
Debt89.57%
Debt Sector Allocation
SectorValue
Government89.57%
Cash Equivalent10.43%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.30 Goi 19062053
Sovereign Bonds | -
27%₹32 Cr3,041,667
↓ -1,000,000
07.09 Goi 05082054
Sovereign Bonds | -
15%₹18 Cr1,752,080
↓ -317,970
7.23% Goi 15/04/2039
Sovereign Bonds | -
14%₹17 Cr1,625,000
↑ 1,225,000
7.10%Goi 08/04/2034
Sovereign Bonds | -
13%₹15 Cr1,500,000
↑ 1,400,000
07.18 Goi 24072037
Sovereign Bonds | -
9%₹11 Cr1,078,895
7.26% Govt Stock 2033
Sovereign Bonds | -
3%₹4 Cr352,063
07.18 Goi 14082033
Sovereign Bonds | -
3%₹3 Cr334,000
↓ -1,000,000
8.28% Govt Stock 2027
Sovereign Bonds | -
2%₹3 Cr270,000
7.26 Govt Stock 22082032
Sovereign Bonds | -
1%₹1 Cr75,000
7.41% Govt Stock 2036
Sovereign Bonds | -
0%₹1 Cr53,334

8. Nippon India Gilt Securities Fund

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

Nippon India Gilt Securities Fund is a Debt - Government Bond fund was launched on 22 Aug 08. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.3% since its launch.  Ranked 2 in Government Bond category.  Return for 2023 was 6.7% , 2022 was 2.1% and 2021 was 1.8% .

Below is the key information for Nippon India Gilt Securities Fund

Nippon India Gilt Securities Fund
Growth
Launch Date 22 Aug 08
NAV (21 Nov 24) ₹36.3611 ↓ -0.05   (-0.14 %)
Net Assets (Cr) ₹2,094 on 31 Oct 24
Category Debt - Government Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderate
Expense Ratio 1.42
Sharpe Ratio 1.32
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-15 Days (0.25%),15 Days and above(NIL)
Yield to Maturity 7.04%
Effective Maturity 20 Years 3 Months 11 Days
Modified Duration 9 Years 3 Months 14 Days

Growth of 10,000 investment over the years.

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

Nippon India Gilt Securities Fund SIP Returns

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

Returns for Nippon India Gilt Securities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Nov 24

DurationReturns
1 Month 0%
3 Month 1.4%
6 Month 4.5%
1 Year 9.1%
3 Year 5.5%
5 Year 6%
10 Year
15 Year
Since launch 8.3%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Pranay Sinha31 Mar 213.59 Yr.
Kinjal Desai31 Oct 213.01 Yr.

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

Asset Allocation
Asset ClassValue
Cash1.9%
Debt98.1%
Debt Sector Allocation
SectorValue
Government98.1%
Cash Equivalent1.9%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.1% Govt Stock 2034
Sovereign Bonds | -
16%₹346 Cr34,000,000
↓ -2,500,000
7.34% Govt Stock 2064
Sovereign Bonds | -
13%₹282 Cr27,000,000
↑ 3,500,000
7.3% Govt Stock 2053
Sovereign Bonds | -
11%₹239 Cr23,000,000
7.09% Govt Stock 2054
Sovereign Bonds | -
8%₹177 Cr17,500,000
↑ 9,000,000
7.18% Govt Stock 2033
Sovereign Bonds | -
8%₹168 Cr16,500,000
↑ 3,500,000
6.79% Govt Stock 2034
Sovereign Bonds | -
8%₹165 Cr16,500,000
↑ 9,000,000
7.25% Govt Stock 2063
Sovereign Bonds | -
7%₹145 Cr14,000,000
7.26% Govt Stock 2033
Sovereign Bonds | -
6%₹134 Cr13,065,600
↑ 500,000
7.18% Govt Stock 2037
Sovereign Bonds | -
6%₹133 Cr12,965,200
↓ -5,000,000
6.8% Govt Stock 2060
Sovereign Bonds | -
3%₹58 Cr6,000,000

9. UTI Gilt Fund

(Erstwhile UTI Gilt Advantage Fund- LTP)

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

UTI Gilt Fund is a Debt - Government Bond fund was launched on 21 Jan 02. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.1% since its launch.  Ranked 7 in Government Bond category.  Return for 2023 was 6.7% , 2022 was 2.9% and 2021 was 2.3% .

Below is the key information for UTI Gilt Fund

UTI Gilt Fund
Growth
Launch Date 21 Jan 02
NAV (21 Nov 24) ₹59.7598 ↓ -0.08   (-0.14 %)
Net Assets (Cr) ₹663 on 31 Oct 24
Category Debt - Government Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderate
Expense Ratio 0.92
Sharpe Ratio 1.26
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.87%
Effective Maturity 14 Years 11 Months 12 Days
Modified Duration 7 Years 6 Months 22 Days

Growth of 10,000 investment over the years.

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

UTI Gilt Fund SIP Returns

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

Returns for UTI Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Nov 24

DurationReturns
1 Month -0.1%
3 Month 1%
6 Month 3.9%
1 Year 9.1%
3 Year 5.7%
5 Year 6%
10 Year
15 Year
Since launch 8.1%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Sudhir Agarwal1 Dec 212.92 Yr.

Data below for UTI Gilt Fund as on 31 Oct 24

Asset Allocation
Asset ClassValue
Cash3.83%
Debt96.17%
Debt Sector Allocation
SectorValue
Government96.17%
Cash Equivalent3.83%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.1% Govt Stock 2034
Sovereign Bonds | -
22%₹148 Cr1,450,000,000
7.34% Govt Stock 2064
Sovereign Bonds | -
18%₹120 Cr1,150,000,000
7.23% Govt Stock 2039
Sovereign Bonds | -
16%₹103 Cr1,000,000,000
↑ 1,000,000,000
7.18% Govt Stock 2037
Sovereign Bonds | -
12%₹82 Cr800,000,000
↓ -1,000,000,000
7.09% Govt Stock 2054
Sovereign Bonds | -
8%₹56 Cr550,000,000
7.04% Govt Stock 2029
Sovereign Bonds | -
8%₹51 Cr500,000,000
7.3% Govt Stock 2053
Sovereign Bonds | -
7%₹47 Cr450,000,000
7.46% Govt Stock 2073
Sovereign Bonds | -
5%₹32 Cr300,000,000
Net Current Assets
Net Current Assets | -
4%₹23 Cr
Clearing Corporation Of India Ltd. Std - Margin
CBLO/Reverse Repo | -
0%₹2 Cr00

10. Canara Robeco Gilt Fund

(Erstwhile Canara Robeco GILT PGS)

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

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

Below is the key information for Canara Robeco Gilt Fund

Canara Robeco Gilt Fund
Growth
Launch Date 29 Dec 99
NAV (21 Nov 24) ₹72.1587 ↓ -0.12   (-0.17 %)
Net Assets (Cr) ₹121 on 31 Oct 24
Category Debt - Government Bond
AMC Canara Robeco Asset Management Co. Ltd.
Rating
Risk Moderate
Expense Ratio 1.24
Sharpe Ratio 1.34
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.02%
Effective Maturity 25 Years 5 Months 17 Days
Modified Duration 10 Years 3 Months 16 Days

Growth of 10,000 investment over the years.

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

Canara Robeco Gilt Fund SIP Returns

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

Returns for Canara Robeco Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 21 Nov 24

DurationReturns
1 Month -0.3%
3 Month 0.9%
6 Month 4%
1 Year 9%
3 Year 5.5%
5 Year 5.7%
10 Year
15 Year
Since launch 8.3%
Historical performance (Yearly) on absolute basis
YearReturns
2023 6.5%
2022 2.3%
2021 1.8%
2020 10.3%
2019 9.9%
2018 4.9%
2017 2.9%
2016 18%
2015 6.3%
2014 16.7%
Fund Manager information for Canara Robeco Gilt Fund
NameSinceTenure
Avnish Jain1 Apr 222.59 Yr.
Kunal Jain18 Jul 222.29 Yr.

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

Asset Allocation
Asset ClassValue
Cash5.6%
Debt94.4%
Debt Sector Allocation
SectorValue
Government94.4%
Cash Equivalent5.6%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.34% Govt Stock 2064
Sovereign Bonds | -
40%₹48 Cr4,600,000
7.30 Goi 19062053
Sovereign Bonds | -
20%₹24 Cr2,350,000
07.18 Goi 24072037
Sovereign Bonds | -
14%₹17 Cr1,678,600
7.23% Goi 15/04/2039
Sovereign Bonds | -
9%₹10 Cr1,000,000
6.79 Goi 2034
Sovereign Bonds | -
8%₹10 Cr1,000,000
↑ 1,000,000
7.38% Govt Stock 2027
Sovereign Bonds | -
2%₹3 Cr250,100
7.17% Govt Stock 2030
Sovereign Bonds | -
1%₹2 Cr158,900
8.13% Govt Stock 2045
Sovereign Bonds | -
0%₹0 Cr10,000
7.10%Goi 08/04/2034
Sovereign Bonds | -
0%₹0 Cr7,950
Treps
CBLO/Reverse Repo | -
4%₹5 Cr

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