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Gilt Mutual Funds
- Average returns - Dynamic
- Number of funds - (Static)
What is a Gilt Fund ?
A Gilt Fund is a type of debt mutual fund that primarily invests in the bonds and debt instruments issued by the government. Since the fund invests in government securities, it has minimal risks.
Advantages of Gilt Funds
Good returns
These funds have the potential to generate attractive returns on your investment which helps in growing your corpus with added stability.
Investment in government securities
Since the portfolio is primarily made up of government securities, you get exposure to some of the most stable debt instruments
Low credit risk
Since the government backs the securities, the credit risk is negligible. Government securities have a proven track record of repayment and do not tend to default.
Explore Gilt Funds
AUM: 23427(Cr)
Risk: Very High
- MIN. INVESTMENT 500
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹10000
- Get (30 Yrs) ₹24,850*
*Projections/estimations is backtested using historical data.
- AUM: 23427(Cr)
- Risk: High
- MIN. INVESTMENT 1000
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹15000
- Get (30 Yrs) ₹34,850*
*Projections/estimations is backtested using historical data.
Gilt Funds Returns Calculator
REGULAR INVESTMENT
SIP
Invest systematically in regular amounts and build a corpus with a disciplined investing habit.
START SIPONE TIME INVESTMENT
Lump sum
Invest once with the facility of lump sum investing and save at your will. Time the market correctly and earn good returns.
INVEST LUMPSUMTotal Amount Invested
₹ 0
after 30 years you will get a return of
₹ 0
Disclaimer: Projections/estimations is backtested using historical data.
Total Amount Invested
₹ 0
after 30 years you will get a return of
₹ 0
Disclaimer: Projections/estimations is backtested using historical data.
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Understanding Gilt Funds
Table of Contents
What are Gilt Funds?
-
A type of open-ended debt mutual fund, a Gilt Fund invests at least 80% of its portfolio in bonds and debt instruments issued by the government. These funds offer stable and attractive returns with limited credit risks.
What are the features of Gilt Funds?
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Offers stable returns on investment with minimal credit risk
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Get exposure to government securities of varying maturities
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There’s no capping on the maximum investment amount
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You can get better returns compared to fixed deposits
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The funds aim to grow the portfolio through interest earned and also through the rise in the price of the underlying securities
Things to keep in mind when investing in Gilt Funds
Check the expense ratio of such schemes. A high ratio eats into the fund’s returns and should be avoided
Compare Gilt Funds on their returns. A fund with the highest return is better
Gilt Funds are better for medium to long-term investment avenue. Invest in these funds with time on hand
Invest in Gilt Funds based on your financial goals
What are the types of risks that Gilt Funds face?
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Interest rate risk
Risk of rising interest rates, which reduces the value of debt instruments
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Inflation risk
Risk of inflation reducing the returns from the debt fund
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Liquidity risk
Risk of not being able to trade in debt instruments
What is the tax implication of Gilt Funds?
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Returns earned are taxed at your income tax slab rates
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Dividends earned, if any, are taxed at your income tax slab rates
What are the payout options?
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Dividend option
Earn dividends on your investment at regular intervals
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Growth option
Accumulate the returns over the investment tenure and get a lump sum amount on redemption
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FAQs On Gilt Funds
Gilt Funds are a type of debt mutual funds that invest majorly in government securities. The risk of non-payment of interest or principal is none with Gilt Funds. However, they do get affected by interest rate movements.
While choosing a Gilt Fund, you need to consider your financial goals and their timelines, taxation, expense ratio, and risk-return ratio.
Gilt Funds are required to invest a minimum of 80% of their portfolios in government-issued debt instruments.
Gilt Funds majorly carry interest rate risk. The other important risk they carry is duration risk or the higher risk that comes with longer holding duration.
Gilt Funds have delivered 8.64% p.a. returns on an average.
Types of Debt Funds
Funds Based On Duration
Funds Based On Portfolio Allocation
Other asset class funds
Equity Fund
Give your savings the growth they deserve. Invest in Equity Funds and unlock the potential of long-term growth
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Fund of Funds
Mutual funds that invest in other mutual funds both in India and globally
Hybrid Funds
Get a mix of equity, debt and other asset classes for a diversified portfolio
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Index Fund
Passively-managed mutual funds tracking a particular index
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ETF Funds
Invest in funds listed and traded on the stock exchange