Tata Gilt Retirement Plan (28-02-25)-D

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Value Research Rating

Unrated

Analyst’s Choice

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Riskometer

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Moderate

₹32.1548 -0.04%

As on 23-Feb-2024

Returns

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Calculate SIP Returns of Tata Gilt Retirement Plan (28-02-25)-D

Upfront Investment

Monthly SIP Amount

Investment Duration

years

Risk info

This fund has Moderate risk.

low
Low to Moderate
Moderate
Moderately High
High
Very High

As per SEBI's Riskometer.

Portfolio of Tata Gilt Retirement Plan (28-02-25)-D

Asset Allocation

Split between different types of investments

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Credit Rating Weightage

Split between categories of Equity investments

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Peer Comparison

Other details of Tata Gilt Retirement Plan (28-02-25)-D

Assets info

₹334 Cr

Exit Load (Days) info

--

Min. Investment (₹)

50,000

Min. Withdrawal (₹)

--

Min. SIP Investment (₹)

150

Min. No of Cheques

12

Investment Strategy

The scheme is a dedicated gilt fund which would invest in G-Secs to generate risk-free return and provide medium-to-long term capital gains.

Suitability

"This is a fund that invests mainly in bonds issued by the government of India. These bonds do not carry any risk of default since the repayment of investors' money is backed by the government. But they are prone to sharp ups and downs because of changes in interest rates.

However, retail investors can avoid these funds altogether. There are far too many kinds of debt funds with a highly nuanced classification based on the type or duration of bonds they can invest in. We believe that so many fund categories add to complexity which is easily avoidable. Retail investors can simply invest in Liquid funds for an investment horizon of up to one year and Short Duration funds for the fixed income allocation (which should be 100 per cent for an investment horizon of up to three years) in their longer-term portfolios."

Taxation

Capital Gains Taxation

  • If investment is made on or after 1 April 2023: Entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • If investment is made before 1 April 2023:
    • Sold within 3 years from the date of investment: Gains are added to the investors' income and taxed according to the applicable slab rate.
    • Sold after 3 years from the date of investment: Gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • No tax is to be paid as long as you continue to hold the units.

Dividend Taxation

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

Latest news on Tata Gilt Retirement Plan (28-02-25)-D

FAQ for Tata Gilt Retirement Plan (28-02-25)-D

Tata Gilt Retirement Plan (28-02-25)-D is mandated to invest at least 80 per cent of its assets in bonds issued by the government of India.

Mutual funds can be bought directly from the website of the fund house. For instance, Tata Gilt Retirement Plan (28-02-25)-D fund can be purchased from the website of Tata Mutual Fund. You can also buy mutual funds through platforms like MF Central, MF Utility, among others. However, if you are not comfortable buying mutual funds online, you can seek help of a mutual fund distributor. Most banks also act as mutual fund distributors. So you can connect with your bank for assistance.

The NAV of Tata Gilt Retirement Plan (28-02-25)-D is ₹32.1548 as of 24-Feb-2024.

The AUM of Tata Gilt Retirement Plan (28-02-25)-D Fund is ₹334 Cr as of 31-Jan-2024

The riskometer level of Tata Gilt Retirement Plan (28-02-25)-D is Moderate. See More

Company Percentage of Portfolio

GOI Sec 7.18 14/08/2033

30.05

GOI Sec 7.18 24/07/2037

29.85

Karnataka State SDL 7.74 10/01/2036

7.57

Reserve Bank of India T-Bills 364-D 01/02/2024

7.50

Reserve Bank of India T-Bills 91-D 01/02/2024

7.50
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As of 31-Jan-2024, Tata Gilt Retirement Plan (28-02-25)-D had invested 82.47% in Debt and 17.53% in Cash & Cash Eq. See More

Tata Gilt Retirement Plan (28-02-25)-D is 20 years 5 months old. It has delivered 5.89% returns since inception. See More

1Y
3Y
5Y
7Y
10Y
Since Inception
8.74%
5.07%
6.43%
5.79%
7.48%
5.89%

No, There is no lock in period in Tata Gilt Retirement Plan (28-02-25)-D.

The expense ratio of Tata Gilt Retirement Plan (28-02-25)-D is 1.28.

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