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Gilt Mutual Funds

Gilt funds are the debt funds that invest in Government of India securities. The Government issues these securities when it needs money to finance a particular project. The interest or coupon rate and maturity period of these securities vary. The Government Securities are issued by the Reserve Bank of India (RBI) on behalf of the Government. View More

Gilt funds do not invest in corporate securities, thus reducing risk to a greater extent. Gilt funds have a good track record: Like a savings account, fixed deposits, and recurring deposits, Gilt funds have a good track record of lower risk with higher Gilt funds returns than other investment options. The market risk of Gilt Funds is reduced because of the diversification that comes from investing in many securities and across a number of issuers. The credit risk is also reduced because the Government is unlikely to default on its debt obligations.

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Gilt Mutual Funds List

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logo SBI Magnum Gilt Fund - Direct Growth

10.46%

Fund Size - 10,422

Invest
logo DSP Gilt Fund - Direct Growth

12.07%

Fund Size - 1,418

Invest
logo Invesco India Gilt Fund - Direct Growth

12.36%

Fund Size - 1,196

Invest
logo ICICI Pru Gilt Fund - Direct Growth

9.02%

Fund Size - 6,633

Invest
logo Kotak Gilt Invest - PF & Trust Plan - Direct Growth

10.87%

Fund Size - 3,979

Invest
logo Kotak Gilt - Invest Plan - Direct Growth

10.85%

Fund Size - 3,979

Invest
logo Bandhan G Sec Fund - Invst Plan - Direct Growth

13.29%

Fund Size - 3,079

Invest
logo Tata Gilt Securities Fund - Direct Growth

10.76%

Fund Size - 816

Invest
logo AXIS Gilt Fund - Direct Growth

11.71%

Fund Size - 613

Invest
logo Edelweiss Govt Securities Fund - Dir Growth

11.97%

Fund Size - 171

Invest
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Who should invest in Gilt mutual funds?

Features of Gilt Mutual Funds:

Factors to consider while investing in Gilt Funds

Taxability of Gilt Funds

Risks Involved With Gilt Funds

Advantages of Gilt Funds

Popular Gilt Mutual Funds

  • Min SIP Investment Amt
  • ₹ ₹ 500
  • AUM (Cr.)
  • ₹ 10,422
  • 3Y Return
  • 7.42%

  • Min SIP Investment Amt
  • ₹ ₹ 100
  • AUM (Cr.)
  • ₹ 1,418
  • 3Y Return
  • 7.14%

  • Min SIP Investment Amt
  • ₹ ₹ 100
  • AUM (Cr.)
  • ₹ 1,196
  • 3Y Return
  • 7.11%

  • Min SIP Investment Amt
  • ₹ ₹ 1000
  • AUM (Cr.)
  • ₹ 6,633
  • 3Y Return
  • 6.99%

  • Min SIP Investment Amt
  • ₹ ₹ 100
  • AUM (Cr.)
  • ₹ 3,979
  • 3Y Return
  • 6.97%

  • Min SIP Investment Amt
  • ₹ ₹ 100
  • AUM (Cr.)
  • ₹ 3,979
  • 3Y Return
  • 6.97%

  • Min SIP Investment Amt
  • ₹ ₹ 100
  • AUM (Cr.)
  • ₹ 3,079
  • 3Y Return
  • 6.88%

  • Min SIP Investment Amt
  • ₹ ₹ 150
  • AUM (Cr.)
  • ₹ 816
  • 3Y Return
  • 6.84%

  • Min SIP Investment Amt
  • ₹ ₹ 100
  • AUM (Cr.)
  • ₹ 613
  • 3Y Return
  • 6.83%

  • Min SIP Investment Amt
  • ₹ ₹ 100
  • AUM (Cr.)
  • ₹ 171
  • 3Y Return
  • 6.73%

FAQs

The gilt funds are ideal for investors looking for stable returns. Also, the investors who are risk averse and are looking for long-term returns on their investment must invest in Gilt funds. Investors who want to safeguard themselves from capital market risks and are looking for safe investments should invest in Gilt Funds.

Gilt funds come with a fixed annual fee called the expense ratio. The expense ratio takes care of the fund manager’s fee and any other fee required to manage the fund. The expense ratio is calculated as per the assets under management. As per the SEBI guidelines, the expense ratio of a Gilt Fund cannot go beyond 2.25%.

Gilt Funds are debt-based funds. Hence, the funds do not have high risks associated with them. The low risk of these funds is because they earn returns from investing in the Government of India securities. Therefore, the government tries to provide the promised interest to all the investors. If you have a low-risk appetite, you can invest in Gilt funds.

<p>Several Gilt Funds in India have recorded a good performance. Some of the best performing Gilt funds in 2022 are Franklin India Government Securities Fund, SBI Magnum Gilt Fund, HDFC Gilt Fund, ICICI Prudential Gilt Fund, and Reliance Gilt Security Fund.</p>

All the gains earned on Gilt funds are taxable. However, the tax rate depends on the holding period of the fund. If the investor makes short-term capital gains on the fund, they will have to pay a tax based on their income slab. However, if the investor decides to hold the gilt fund for more than three years, a long-term capital gains tax rate at a flat 20% is applicable.

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