Debt mutual funds form an integral part of a well-diversified portfolio, offering stability and predictable returns. Among them, gilt funds occupy a special place due to their sovereign backing and relatively lower credit risk. Gilt with 10-year Constant Duration Mutual Funds offers investors an opportunity to participate in government securities while targeting a consistent maturity profile.
A gilt fund is a type of debt mutual fund that invests 80% of its funds primarily in government securities issued by the central or state governments. These securities carry minimal credit risk as the government backs them.
A Gilt with 10-year Constant Duration Mutual Fund is a specific type of gilt fund that maintains an average portfolio maturity of around 10 years at all times. The fund manager actively manages the portfolio to keep the duration close to 10 years by buying and selling securities as they near maturity.
Since the value of long-duration bonds is sensitive to interest rate movements, these funds can benefit significantly when interest rates decline and may face volatility when rates rise. They are ideal for investors seeking long-term exposure to government bonds with relatively low credit risk.
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| Fund Name | Category | Risk | NAV | Expense Ratio | 1Y Returns | 3Y Returns | 5Y Returns | Rating | Fund Size (in Cr) | Exit Load |
|---|---|---|---|---|---|---|---|---|---|---|
Bandhan Government Securities Fund | Debt | Moderate | 47.30 | 0.26 | 8.3% | 8.8% | 5.6% | -- | ₹345 | - |
ICICI Prudential Constant Maturity Gilt Fund | Debt | Moderate | 25.66 | 0.25 | 8.4% | 8.7% | 5.8% | -- | ₹2,584 | - |
UTI Gilt Fund | Debt | Moderate | 12.97 | 0.22 | 7.9% | 8.6% | NA | -- | ₹140 | - |
SBI Magnum Constant Maturity Fund | Debt | Moderate | 67.27 | 0.31 | 7.9% | 8.6% | 5.8% | -- | ₹1,861 | - |
DSP 10Y G-Sec Fund | Debt | Moderate | 22.64 | 0.31 | 7.6% | 8.4% | 5.0% | -- | ₹53 | - |
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Fund Performance: The Bandhan Government Securities Fund has given 8.84% annualized returns in the past three years and 5.6% in the last 5 years. The Bandhan Government Securities Fund comes under the Debt category of IDFC Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in Bandhan Government Securities Fund via lump sum is ₹1,000 and via SIP is ₹100.
| Min Investment Amt | ₹1,000 |
|---|---|
| AUM | ₹345Cr |
| 1Y Returns | 8.3% |
Fund Performance: The ICICI Prudential Constant Maturity Gilt Fund has given 8.74% annualized returns in the past three years and 5.85% in the last 5 years. The ICICI Prudential Constant Maturity Gilt Fund comes under the Debt category of ICICI Prudential Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in ICICI Prudential Constant Maturity Gilt Fund via lump sum is ₹5,000 and via SIP is ₹1,000.
| Min Investment Amt | ₹5,000 |
|---|---|
| AUM | ₹2,584Cr |
| 1Y Returns | 8.4% |
Fund Performance: The UTI Gilt Fund comes under the Debt category of UTI Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in UTI Gilt Fund via lump sum is ₹5,000 and via SIP is ₹500.
| Min Investment Amt | ₹5,000 |
|---|---|
| AUM | ₹140Cr |
| 1Y Returns | 7.9% |
Fund Performance: The SBI Magnum Constant Maturity Fund has given 8.63% annualized returns in the past three years and 5.8% in the last 5 years. The SBI Magnum Constant Maturity Fund comes under the Debt category of SBI Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in SBI Magnum Constant Maturity Fund via lump sum is ₹5,000 and via SIP is ₹500.
| Min Investment Amt | ₹5,000 |
|---|---|
| AUM | ₹1,861Cr |
| 1Y Returns | 7.9% |
Fund Performance: The DSP 10Y G-Sec Fund has given 8.45% annualized returns in the past three years and 4.99% in the last 5 years. The DSP 10Y G-Sec Fund comes under the Debt category of DSP Mutual Funds.
Minimum Investment Amount: The minimum amount required to invest in DSP 10Y G-Sec Fund via lump sum is ₹100 and via SIP is ₹100.
| Min Investment Amt | ₹100 |
|---|---|
| AUM | ₹53Cr |
| 1Y Returns | 7.6% |
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