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What are gilt funds and who should invest in them?

Gilt funds are debt funds that invest in government securities and have a long history in India.

SEBI requires at least 80% of gilt fund assets to be invested in government securities that yield fixed income.

Gilt funds are a dependable investment choice for conservative investors seeking modest returns, as the repo rate affects returns but is rarely changed.


Advantages of investing in gilt funds include minimal credit risk and access to government securities not available to individual investors.

Gilt funds are ideal for risk-averse investors with short- to medium-term investment horizons.

Returns from gilt funds are lower than equities, but still respectable and involve no risk.

The main threat to gilt funds is a change in interest rates and they are also illiquid investments.

Top gilt funds have recently shown returns of 10-15% and above, better than bank FDs.

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Gilt funds are regarded as a dependable investment choice for conservative investors seeking modest returns. They are an excellent option to add extra variety and stability to an existing mutual fund portfolio. Continue reading to know more about them.

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What are gilt funds and who should invest in them?

Gilt funds are regarded as a dependable investment choice for conservative investors seeking modest returns. They are an excellent option to add extra variety and stability to an existing mutual fund portfolio. Continue reading to know more about them.

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