Debt Mutual Funds

Debt funds invest in bonds instead of stocks. They help you earn steady returns.

SBI Liquid Fund
74,571.121
4358.29
6.19 %
6.91 %
6.11 %
Moderate
HDFC Liquid Fund
72,872.561
5474.89
6.22 %
6.93 %
6.12 %
Moderate
Aditya Birla Sun Life Liquid Fund
56,603.853
450.44
6.29 %
7.01 %
6.20 %
Moderate
ICICI Prudential Liquid Fund
54,639.408
412.54
6.19 %
6.94 %
6.12 %
Low to Moderate
Axis Liquid Fund
51,643.211
3102.01
6.30 %
7.00 %
6.19 %
Low to Moderate
Kotak Liquid Fund
42,388.802
5632.44
6.22 %
6.95 %
6.13 %
Moderate
Nippon India Liquid Fund
37,902.757
6825.78
6.27 %
6.98 %
6.16 %
Moderate
Tata Money Market Fund
37,476.465
5087.43
6.13 %
7.40 %
6.59 %
Moderate
SBI Savings Fund
36,291.409
46.92
5.86 %
7.19 %
6.38 %
Low to Moderate
Kotak Money Market Fund
33,699.933
4788.34
5.99 %
7.24 %
6.43 %
Moderate
ICICI Prudential Money Market Fund
32,702.126
405.59
5.95 %
7.24 %
6.41 %
Low to Moderate
ICICI Prudential Corporate Bond Fund
32,682.46
32.77
4.80 %
7.35 %
6.64 %
Moderate
HDFC Corporate Bond Fund
31,610.591
34.41
2.94 %
6.92 %
6.14 %
Moderate
UTI Liquid Fund
31,183.925
4571.41
6.27 %
6.97 %
6.16 %
Low to Moderate
Aditya Birla Sun Life Money Manager Fund
30,074.138
395.77
5.96 %
7.26 %
6.47 %
Moderate
HDFC Money Market Fund
29,823.879
6158.97
6.01 %
7.26 %
6.45 %
Moderate
ICICI Prudential Savings Fund
27,700.345
581.99
5.94 %
7.45 %
6.55 %
Low to Moderate
Tata Liquid Fund
27,400.402
4401.30
6.26 %
6.98 %
6.15 %
Moderate
SBI Overnight Fund
27,043.198
4417.80
5.31 %
6.18 %
5.56 %
Low
Aditya Birla Sun Life Corporate Bond Fund
25,167.877
118.97
3.14 %
6.97 %
6.23 %
Moderate
DSP Liquidity Fund
22,480.432
3987.70
6.27 %
6.98 %
6.16 %
Low to Moderate
HDFC Low Duration Fund
21,926.367
66.08
5.88 %
7.41 %
6.58 %
Moderate
SBI Corporate Bond Fund
21,910.525
16.64
3.67 %
7.00 %
6.11 %
Moderate
ICICI Prudential Short Term Fund
21,449.577
69.09
5.36 %
7.67 %
7.00 %
Moderate
Nippon India Money Market Fund
21,421.017
4440.81
5.99 %
7.28 %
6.49 %
Moderate
Axis Money Market Fund
20,120.586
1526.46
6.06 %
7.32 %
6.49 %
Low to Moderate
Aditya Birla Sun Life Savings Fund
19,985.386
590.18
6.23 %
7.38 %
6.53 %
Moderate
UTI Money Market Fund
19,328.064
3296.35
5.97 %
7.26 %
6.46 %
Moderate
HSBC Liquid Fund
17,559.105
2777.64
6.21 %
6.96 %
6.14 %
Low to Moderate
Bandhan Liquid Fund
17,384.501
3366.95
6.22 %
6.95 %
6.13 %
Low to Moderate
Kotak Corporate Bond Fund
16,877.167
4107.33
3.90 %
7.16 %
6.35 %
Moderate
Kotak Savings Fund
16,823.913
47.44
6.08 %
7.13 %
6.33 %
Moderate
HDFC Ultra Short Term Fund
16,753.119
16.33
5.99 %
7.12 %
6.31 %
Low to Moderate
Invesco India Liquid Fund
16,549.148
3826.22
6.21 %
6.95 %
6.13 %
Low to Moderate
Kotak Bond Short Term Fund
16,486.945
59.93
4.18 %
7.21 %
6.36 %
Moderate
HDFC Floating Rate Debt Fund
16,431.784
53.68
5.43 %
7.66 %
6.75 %
Moderate
Kotak Low Duration Fund
16,258.954
3845.42
5.81 %
7.38 %
6.54 %
Low to Moderate
ICICI Prudential Ultra Short Term Fund
15,929.153
31.70
6.33 %
7.32 %
6.56 %
Moderate
Bandhan Money Market Fund
15,908.023
46.15
6.09 %
7.27 %
6.38 %
Low to Moderate
LIC MF Liquid Fund
15,638.278
5061.51
6.23 %
6.94 %
6.13 %
Low to Moderate
HDFC Short Term Debt Fund
15,462.916
34.61
4.58 %
7.32 %
6.47 %
Moderate
Edelweiss Liquid Fund
15,091.277
3604.24
6.28 %
7.01 %
6.19 %
Low to Moderate
ICICI Prudential All Seasons Bond Fund
13,903.185
41.52
3.74 %
7.43 %
6.93 %
NA
SBI Short Term Debt Fund
13,746.279
35.67
4.38 %
7.11 %
6.25 %
Moderate
Mirae Asset Liquid Fund
13,590.292
2943.84
6.19 %
6.96 %
6.15 %
Low to Moderate
Bandhan Corporate Bond Fund
13,499.014
20.70
4.29 %
7.10 %
5.95 %
Moderate
SBI Low Duration Fund
13,458.425
3823.42
5.56 %
7.13 %
6.30 %
Low to Moderate
Aditya Birla Sun Life Floating Rate Fund
13,441.024
376.86
5.68 %
7.41 %
6.60 %
Low to Moderate
Aditya Birla Sun Life Low Duration Fund
13,267.309
766.69
5.78 %
7.30 %
6.58 %
Moderate
SBI Ultra Short Duration Fund
12,552.963
6416.76
6.01 %
7.07 %
6.21 %
Moderate
Axis Banking & PSU Debt Fund
12,530.684
2833.91
4.07 %
6.76 %
5.99 %
Moderate
Bandhan Banking and PSU Fund
12,107.723
26.46
4.36 %
6.76 %
6.03 %
Moderate
Baroda BNP Paribas Liquid Fund
11,412.028
3213.49
6.19 %
6.94 %
6.16 %
Low to Moderate
Axis Overnight Fund
11,375.851
1438.34
5.38 %
6.25 %
5.62 %
Low
ICICI Prudential Overnight Fund
11,368.864
1464.17
5.35 %
6.20 %
5.58 %
Low
Nippon India Ultra Short Duration Fund
11,082.725
4712.09
6.59 %
7.48 %
7.53 %
Moderate
DSP Savings Fund
9,809.903
57.26
5.99 %
7.07 %
6.19 %
Low to Moderate
HDFC Overnight Fund
9,431.494
4027.65
5.31 %
6.16 %
5.55 %
Low
Nippon India Low Duration Fund
9,416.723
4191.69
5.97 %
7.32 %
6.55 %
Low to Moderate
BHARAT Bond FOF - April 2030
9,302.885
15.60
3.15 %
6.74 %
6.30 %
Moderate
ICICI Prudential Banking & PSU Debt Fund
9,144.355
35.66
4.36 %
7.17 %
6.57 %
Moderate
ICICI Prudential Gilt Fund
9,061.547
113.72
1.96 %
6.98 %
6.56 %
Moderate
SBI Gilt Fund
9,047.169
71.37
0.59 %
6.30 %
6.20 %
Moderate
Axis Short Duration Fund
8,955.232
35.45
5.03 %
7.47 %
6.63 %
Moderate
Axis Corporate Bond Fund
8,888.231
18.93
4.37 %
7.45 %
6.61 %
Moderate
Aditya Birla Sun Life Banking & PSU Debt Fund
8,805.143
395.66
3.49 %
6.86 %
6.14 %
Moderate
ICICI Prudential Nifty PSU Bond Plus SDL Sep 2027 40:60 Index Fund
8,760.195
13.10
4.93 %
7.11 %
0.00 %
Low to Moderate
SBI CPSE Bond Plus SDL Sep 2026 50:50 Index Fund
8,465.598
13.01
5.92 %
7.06 %
0.00 %
Low
Bandhan Short Duration Fund
8,376.107
64.17
4.66 %
7.28 %
6.26 %
Low to Moderate
Nippon India Corporate Bond Fund
8,245.506
65.65
3.84 %
7.27 %
6.67 %
Moderate
JioBlackRock Liquid Fund
8,190.76
1057.16
0.00 %
0.00 %
0.00 %
NA
Union Liquid Fund
8,162.688
2689.62
6.25 %
6.98 %
6.17 %
Low to Moderate
Aditya Birla Sun Life Nifty SDL Plus PSU Bond Sep 2026 60:40 Index Fund
7,783.091
13.11
5.90 %
7.09 %
0.00 %
Low
Nippon India Floater Fund
7,536.972
49.82
4.66 %
7.38 %
6.44 %
Moderate
HDFC Credit Risk Debt Fund
7,522.138
27.54
6.13 %
7.78 %
7.04 %
NA
ICICI Prudential Floating Interest Fund
7,491.873
490.52
6.21 %
8.04 %
7.09 %
Low to Moderate
Kotak Overnight Fund
7,487.139
1449.71
5.37 %
6.22 %
5.60 %
Low
Nippon India Nivesh Lakshya Long Duration Fund
7,302.883
18.16
-2.33 %
5.27 %
5.46 %
Moderate
Nippon India Short Duration Fund
7,295.13
60.12
4.56 %
7.41 %
6.58 %
Moderate
Aditya Birla Sun Life Short Term Fund
7,291.059
53.91
4.60 %
7.37 %
6.71 %
Moderate
Sundaram Liquid Fund
7,085.783
2463.26
6.21 %
6.98 %
6.17 %
Low to Moderate
Kotak Nifty SDL Apr 2027 Top 12 Equal Weight Index Fund
6,742.372
13.01
5.52 %
7.25 %
0.00 %
Low to Moderate
HSBC Money Market Fund
6,638.515
29.22
5.92 %
7.15 %
6.25 %
Low to Moderate
SBI Medium Duration Fund
6,410.462
58.02
4.67 %
7.34 %
6.61 %
NA
Canara Robeco Liquid Fund
6,394.592
3342.46
6.25 %
6.97 %
6.14 %
Low to Moderate
Nippon India Overnight Fund
6,199.252
145.96
5.36 %
6.23 %
5.61 %
Low
Bandhan Low Duration Fund
6,120.935
41.61
5.60 %
6.99 %
6.14 %
Low to Moderate
Aditya Birla Sun Life Overnight Fund
6,107.63
1469.50
5.34 %
6.22 %
5.60 %
Low
Axis Treasury Advantage Fund
6,083.828
3424.49
5.94 %
7.31 %
6.47 %
Low to Moderate
HSBC Corporate Bond Fund
5,991.897
81.30
4.14 %
6.86 %
6.06 %
Moderate
ICICI Prudential Credit Risk Fund
5,989.893
37.58
7.60 %
8.76 %
7.83 %
High
Invesco India Money Market Fund
5,938.384
3325.38
5.89 %
7.09 %
6.19 %
Low to Moderate
Axis Ultra Short Duration Fund
5,916.366
16.54
6.34 %
7.33 %
6.52 %
Moderate
Bandhan CRISIL IBX Gilt June 2027 Index Fund
5,796.228
13.68
5.24 %
7.05 %
6.06 %
Low to Moderate
UTI Overnight Fund
5,730.496
3719.27
5.35 %
6.22 %
5.59 %
Low
Tata Ultra Short Term Fund
5,712.941
15.79
6.54 %
7.38 %
6.51 %
Moderate
UTI Corporate Bond Fund
5,542.924
17.49
4.02 %
7.07 %
6.18 %
Moderate
Bajaj Finserv Liquid Fund
5,514.803
1216.83
6.23 %
0.00 %
0.00 %
Low to Moderate
Invesco India Corporate Bond Fund
5,493.537
3541.15
3.52 %
6.99 %
6.00 %
Moderate
ICICI Prudential Medium Term Bond Fund
5,458.261
52.29
6.29 %
8.02 %
7.23 %
NA
LIC MF Money Market Fund
5,439.197
1272.55
6.13 %
6.63 %
0.00 %
Low to Moderate
HDFC Banking and PSU Debt Fund
5,316.426
24.92
3.56 %
6.93 %
6.12 %
Moderate
Parag Parikh Liquid Fund
5,259.838
1541.77
6.15 %
6.68 %
5.87 %
Low to Moderate
Nippon India Banking and PSU Fund
5,163.992
22.38
3.38 %
6.82 %
6.11 %
Moderate
Kotak Banking and PSU Debt Fund
5,129.332
71.13
3.97 %
7.07 %
6.35 %
Moderate
DSP Low Duration Fund
5,108.051
21.54
5.51 %
7.03 %
6.21 %
Low to Moderate
Edelweiss NIFTY PSU Bond Plus SDL Apr 2026 50:50 Index Fund
4,820.608
13.59
6.26 %
7.06 %
6.14 %
Low
BHARAT Bond FOF - April 2031
4,580.591
13.95
1.94 %
6.67 %
6.09 %
Moderate
Bandhan Ultra Short Duration Fund
4,458.359
16.27
6.08 %
7.06 %
6.19 %
Low to Moderate
BHARAT Bond ETF FOF - April 2032
4,385.645
13.05
1.70 %
6.66 %
0.00 %
Moderate
Tata Overnight Fund
4,376.191
1434.45
5.39 %
6.25 %
5.61 %
Low
Franklin India Money Market Fund
4,309.451
54.77
5.99 %
7.27 %
6.37 %
Low to Moderate
HSBC Overnight Fund
4,223.158
1421.89
5.36 %
6.22 %
5.60 %
Low
DSP Ultra Short Fund
4,166.767
3915.62
6.23 %
7.30 %
6.39 %
Moderate
UTI Ultra Short Duration Fund
4,126.043
4808.42
6.26 %
7.23 %
6.94 %
Moderate
Bajaj Finserv Money Market Fund
4,116.582
1226.34
6.03 %
0.00 %
0.00 %
Low to Moderate
HSBC Banking and PSU Debt Fund
4,019.38
26.61
3.93 %
6.66 %
5.51 %
Moderate
Mirae Asset Money Market Fund
4,016.057
1348.74
5.92 %
7.25 %
0.00 %
Low to Moderate
Nippon India Dynamic Bond Fund
3,951.966
41.43
2.51 %
6.92 %
6.11 %
Moderate
HSBC Short Duration Fund
3,869.82
29.28
4.16 %
6.99 %
5.96 %
Moderate
Tata Corporate Bond Fund
3,853.759
13.13
3.51 %
7.03 %
0.00 %
Moderate
SBI Dynamic Bond Fund
3,825.555
40.54
2.69 %
7.01 %
6.59 %
Moderate
Baroda BNP Paribas Money Market Fund
3,813.278
1477.73
6.05 %
7.09 %
6.15 %
Low to Moderate
SBI Banking and PSU Fund
3,747.891
3451.96
3.77 %
6.88 %
5.94 %
Moderate
HDFC Medium Term Debt Fund
3,746.291
64.25
4.89 %
7.46 %
6.67 %
NA
Franklin India Liquid Fund
3,635.442
4190.79
6.25 %
6.98 %
6.15 %
Low to Moderate
Bandhan CRISIL IBX Gilt April 2028 Index Fund
3,585.736
13.76
4.97 %
7.12 %
6.19 %
Low to Moderate
Kotak Nifty SDL Apr 2032 Top 12 Equal Weight Index Fund
3,427.731
13.09
1.08 %
6.60 %
0.00 %
Moderate
DSP Banking & PSU Debt Fund
3,387.791
25.73
2.57 %
6.63 %
5.83 %
Moderate
Kotak Floating Rate Fund
3,329.303
1627.69
5.32 %
7.69 %
6.60 %
Moderate
HDFC Long Duration Debt Fund
3,308.262
12.22
-2.76 %
5.15 %
0.00 %
Moderate
Aditya Birla Sun Life Nifty SDL Apr 2027 Index Fund
3,289.06
13.12
5.58 %
7.17 %
0.00 %
Low to Moderate
DSP Short Term Fund
3,245.434
52.80
4.18 %
7.00 %
6.09 %
Moderate
Aditya Birla Sun Life CRISIL-IBX Financial Services 3 to 6 Months Debt Index Fund
3,232.272
11.05
6.54 %
0.00 %
0.00 %
Low to Moderate
Tata Short Term Bond Fund
3,141.846
55.28
4.15 %
6.95 %
6.19 %
Low to Moderate
HSBC Ultra Short Duration Fund
3,117.807
1449.84
6.08 %
7.13 %
6.28 %
Low to Moderate
UTI Low Duration Fund
3,108.335
3799.92
5.77 %
7.13 %
7.35 %
Low to Moderate
Aditya Birla Sun Life Medium Term Fund
3,097.755
46.73
7.90 %
10.13 %
12.52 %
NA
Nippon India Nifty AAA CPSE Bond Plus SDL - Apr 2027 Maturity 60:40 Index Fund
2,989.308
12.90
5.67 %
7.14 %
0.00 %
Low to Moderate
JioBlackRock Money Market Fund
2,923.213
1051.48
0.00 %
0.00 %
0.00 %
NA
DSP Corporate Bond Fund
2,894.591
17.09
5.38 %
7.02 %
5.80 %
Low to Moderate
Tata Treasury Advantage Fund
2,859.333
4261.90
5.77 %
7.13 %
6.27 %
Low to Moderate
JM Liquid Fund
2,835.05
76.06
6.14 %
6.88 %
6.10 %
Low to Moderate
ICICI Prudential Bond Fund
2,700.188
43.79
2.08 %
6.82 %
6.18 %
Moderate
UTI Short Duration Fund
2,696.923
35.27
4.41 %
7.18 %
7.42 %
Moderate
SBI CRISIL IBX Gilt Index - June 2036 Fund
2,616.411
13.25
1.62 %
6.94 %
0.00 %
Moderate
Kotak Gilt Investment Fund
2,441.61
108.47
-2.11 %
5.39 %
5.44 %
Moderate
Kotak Dynamic Bond Fund
2,432.368
42.25
2.43 %
7.25 %
6.43 %
NA
Mirae Asset Low Duration Fund
2,313.744
2594.00
5.89 %
7.29 %
6.36 %
Low to Moderate
HDFC Gilt Fund
2,271.857
58.98
-0.19 %
6.04 %
5.39 %
Moderate
ICICI Prudential Constant Maturity Gilt Fund
2,256.3
25.98
1.83 %
6.75 %
5.83 %
Moderate
Edelweiss Money Market Fund
2,251.058
33.11
6.00 %
7.17 %
6.20 %
Low to Moderate
Edelweiss NIFTY PSU Bond Plus SDL Apr 2027 50:50 Index Fund
2,172.421
13.14
5.35 %
7.10 %
0.00 %
Low to Moderate
HDFC CRISIL-IBX Financial Services 3-6 Months Debt Index Fund
2,162.5
10.74
6.75 %
0.00 %
0.00 %
Low to Moderate
SBI Credit Risk Fund
2,134.161
52.39
6.63 %
8.02 %
7.45 %
High
DSP Overnight Fund
2,115.511
1455.44
5.35 %
6.22 %
5.60 %
Low
BHARAT Bond ETF FOF - April 2033
2,113.862
12.73
1.11 %
6.53 %
0.00 %
Moderate
Axis Strategic Bond Fund
2,075.631
32.48
5.41 %
7.94 %
7.22 %
NA
Bandhan Dynamic Bond Fund
2,061.464
38.94
1.77 %
6.74 %
5.85 %
Moderate
SBI Medium to Long Duration Fund
2,024.107
78.39
2.11 %
6.52 %
6.11 %
NA
Axis CRISIL IBX SDL May 2027 Index Fund
1,998.427
12.99
5.39 %
7.28 %
0.00 %
Low to Moderate
Sundaram Money Market Fund
1,955.826
15.93
5.94 %
7.10 %
6.23 %
Low to Moderate
Bandhan Gilt Fund
1,946.774
39.53
2.21 %
7.08 %
6.09 %
Moderate
HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund
1,946.163
13.10
4.46 %
7.10 %
0.00 %
Low to Moderate
SBI CRISIL IBX Gilt Index - April 2029 Fund
1,896.74
13.14
3.92 %
7.17 %
0.00 %
Low to Moderate
Kotak Bond Fund
1,882.05
88.19
1.52 %
6.58 %
6.08 %
Moderate
LIC MF Banking & PSU Fund
1,847.945
39.13
3.74 %
6.97 %
6.04 %
Moderate
Kotak Medium Term Fund
1,840.372
26.79
6.00 %
8.42 %
7.32 %
NA
Sundaram Ultra Short Duration Fund
1,816.813
3094.44
6.14 %
7.18 %
6.36 %
Low to Moderate
Aditya Birla Sun Life Income Fund
1,761.481
137.19
0.46 %
5.76 %
5.47 %
Moderate
Bank of India Liquid Fund
1,734.94
3210.78
6.23 %
6.97 %
6.17 %
Low to Moderate
Axis CRISIL-IBX AAA Bond NBFC - Jun 2027 Index Fund
1,694.232
11.30
6.08 %
0.00 %
0.00 %
Low to Moderate
LIC MF Low Duration Fund
1,692.218
45.24
5.86 %
7.19 %
6.27 %
Low to Moderate
Invesco India Low Duration Fund
1,689.94
4151.45
5.70 %
7.07 %
6.18 %
Low to Moderate
Nippon India Gilt Fund
1,673.898
38.02
-0.10 %
5.53 %
4.71 %
Moderate
Nippon India Gilt Fund
1,673.898
43.17
-0.80 %
5.76 %
5.48 %
Moderate
DSP Nifty SDL Plus G-Sec Jun 2028 30:70 Index Fund
1,656.83
13.11
4.66 %
7.14 %
0.00 %
Low to Moderate
SBI Constant Maturity 10-Year Gilt Fund
1,643.398
67.81
1.26 %
6.48 %
5.77 %
Moderate
Aditya Birla Sun Life CRISIL-IBX Financial Services 9-12 Months Debt Index Fund
1,576.098
10.80
5.79 %
0.00 %
0.00 %
Low to Moderate
SBI Long Duration Fund
1,569.9
12.48
-1.81 %
5.49 %
0.00 %
Moderate
UTI Floater Fund
1,521.306
1648.91
5.41 %
7.04 %
6.21 %
Low to Moderate
Aditya Birla Sun Life Dynamic Bond Fund
1,504.169
51.64
2.88 %
7.28 %
7.10 %
NA
SBI CRISIL IBX SDL Index - September 2027 Fund
1,486.297
13.00
4.92 %
7.17 %
0.00 %
Low to Moderate
ICICI Prudential Nifty SDL Sep 2027 Index Fund
1,449.121
13.00
4.91 %
7.20 %
0.00 %
Low to Moderate
Mirae Asset Ultra Short Duration Fund
1,419.733
1398.76
6.32 %
7.32 %
6.43 %
Low to Moderate
Mirae Asset Overnight Fund
1,389.274
1393.49
5.36 %
6.23 %
5.62 %
Low
Aditya Birla Sun Life Government Securities Fund
1,378.474
86.20
-2.55 %
5.23 %
5.12 %
Moderate
Aditya Birla Sun Life CRISIL IBX 60:40 SDL+AAA PSU-Apr 2027 Index Fund
1,362.605
12.93
5.62 %
7.12 %
0.00 %
Low to Moderate
Aditya Birla Sun Life Credit Risk Fund
1,353.306
27.28
11.97 %
12.64 %
10.61 %
NA
Nippon India Credit Risk Fund
1,343.435
41.21
7.44 %
8.73 %
9.08 %
NA
Bandhan Medium Duration Fund
1,294.264
51.92
3.73 %
6.80 %
5.78 %
Moderate
Franklin India Corporate Debt Fund
1,283.404
113.71
5.30 %
7.78 %
6.60 %
Low to Moderate
DSP Gilt Fund
1,268.441
102.54
-1.06 %
6.08 %
5.77 %
Moderate
Quant Liquid Fund
1,266.306
44.69
5.98 %
6.81 %
6.14 %
Low to Moderate
UTI Banking & PSU Fund
1,206.426
23.46
5.14 %
7.00 %
7.45 %
Low to Moderate
Canara Robeco Savings Fund
1,139.545
45.65
5.77 %
7.11 %
6.17 %
Low to Moderate
HDFC Nifty G-sec Dec 2026 Index
1,100.647
12.84
5.53 %
6.91 %
0.00 %
Low
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund
1,100.534
10.37
0.00 %
0.00 %
0.00 %
Low to Moderate
Bajaj Finserv Overnight Fund
1,096.761
1192.19
5.40 %
0.00 %
0.00 %
Low
Invesco India Ultra Short Duration Fund
1,073.274
3044.93
6.30 %
7.23 %
6.36 %
Low to Moderate
Tata GSF
1,060.821
87.74
-1.05 %
5.78 %
5.62 %
Moderate
Mahindra Manulife Liquid Fund
1,058.908
1815.98
6.25 %
6.99 %
6.19 %
Moderate
HSBC Low Duration Fund
1,057.968
31.95
5.91 %
7.82 %
6.71 %
Moderate
Axis Dynamic Bond Fund
1,053.444
33.83
3.23 %
6.81 %
6.02 %
Moderate
360 ONE Liquid Fund
1,047.647
2135.40
6.07 %
6.78 %
5.97 %
Low to Moderate
Motilal Oswal Liquid Fund
974.39
14.69
5.89 %
6.57 %
5.78 %
Low to Moderate
Franklin India Overnight Fund
949.095
1417.45
5.40 %
6.20 %
5.56 %
Low
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL April 2037 Index Fund
898.066
13.15
0.40 %
6.60 %
0.00 %
Moderate
HDFC NIFTY G-Sec Jun 2036 Index Fund
893.614
12.87
1.66 %
7.03 %
0.00 %
Moderate
TRUSTMF Liquid Fund
892.997
1349.51
6.17 %
6.90 %
6.10 %
Low to Moderate
Invesco India Short Duration Fund
883.319
4113.12
4.31 %
7.05 %
6.05 %
Moderate
Union Money Market Fund
876.635
1339.19
6.19 %
7.05 %
0.00 %
Low to Moderate
Baroda BNP Paribas Overnight Fund
867.325
1427.27
5.37 %
6.22 %
5.60 %
Low
ICICI Prudential Long Term Bond Fund
850.38
98.63
-1.09 %
5.90 %
5.18 %
Moderate
ICICI Prudential Nifty SDL Dec 2028 Index Fund
828.435
13.10
3.44 %
7.13 %
0.00 %
Low to Moderate
HDFC Income Fund
826.316
65.71
1.01 %
6.19 %
5.61 %
Moderate
ICICI Prudential Nifty G-Sec Dec 2030 Index Fund
814.886
13.18
3.13 %
7.17 %
0.00 %
Moderate
Tata CRISIL-IBX Gilt Index - April 2026 Index Fund
793.342
12.56
6.68 %
6.84 %
0.00 %
Low
Nippon India Nifty G-Sec Jun 2036 Maturity Index Fund
784.656
12.97
1.63 %
7.03 %
0.00 %
Moderate
DSP Strategic Bond Fund
762.694
3604.85
-1.07 %
5.96 %
5.68 %
Moderate
HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index Fund
762.649
10.12
0.00 %
0.00 %
0.00 %
Low to Moderate
Kotak Credit Risk Fund
761.171
35.29
6.75 %
8.17 %
6.59 %
High
JioBlackRock Overnight Fund
754.752
1049.19
0.00 %
0.00 %
0.00 %
Low
Baroda BNP Paribas Gilt Fund
748.452
47.14
-0.51 %
5.93 %
5.52 %
Moderate
HSBC Medium Duration Fund
732.303
23.37
4.56 %
7.55 %
6.68 %
Moderate
Nippon India CRISIL-IBX Financial Services 9-12 Months Debt Index Fund
725.429
10.12
0.00 %
0.00 %
0.00 %
Low to Moderate
SBI Fixed Maturity Plan - Series 66 (1361 Days)
717.615
12.87
6.03 %
7.02 %
0.00 %
Low
SBI Floating Rate Debt Fund
696.91
14.11
5.23 %
7.51 %
6.55 %
Moderate
JioBlackRock Low Duration Fund
686.554
1019.93
0.00 %
0.00 %
0.00 %
NA
Baroda BNP Paribas Ultra Short Duration Fund
650.576
1651.16
6.19 %
7.17 %
6.41 %
Low to Moderate
Tata Nifty SDL Plus AAA PSU Bond Dec 2027 60:40 Index Fund
641.646
13.09
4.64 %
7.06 %
0.00 %
Low to Moderate
HDFC Nifty G-Sec Jun 2027 Index
640.129
12.80
5.22 %
7.04 %
0.00 %
Low to Moderate
HDFC Nifty G-Sec July 2031 Index
634.457
13.04
2.55 %
7.07 %
0.00 %
Moderate
Bandhan Overnight Fund
632.307
1449.11
5.35 %
6.22 %
5.59 %
Low
Sundaram Overnight Fund
623.739
1443.03
5.31 %
6.20 %
5.57 %
Low
SBI Fixed Maturity Plan - Series 67 (1467 Days)
621.684
13.04
5.69 %
7.03 %
0.00 %
Low
Sundaram Corporate Bond Fund
616.175
43.20
3.66 %
6.81 %
5.92 %
Moderate
HDFC Nifty G-Sec Sep 2032 Index
616.035
12.89
1.76 %
6.91 %
0.00 %
Moderate
Aditya Birla Sun Life CRISIL IBX Gilt -Apr 2029 Index Fund
615.601
13.20
3.95 %
7.20 %
0.00 %
Low to Moderate
HDFC Dynamic Debt Fund
587.844
100.68
0.75 %
6.34 %
6.73 %
Moderate
PGIM India Liquid Fund
584.302
363.83
6.26 %
6.99 %
6.18 %
Low to Moderate
360 ONE Dynamic Bond Fund
583.753
24.91
3.84 %
7.55 %
6.78 %
NA
Bajaj Finserv Low Duration Fund
582.265
1013.63
0.00 %
0.00 %
0.00 %
Low to Moderate
WhiteOak Capital Ultra Short Duration Fund
580.19
1486.72
5.97 %
6.92 %
6.18 %
Low to Moderate
Union Low Duration Fund
575.542
10.46
0.00 %
0.00 %
0.00 %
Low to Moderate
Mirae Asset Short Duration Fund
574.79
17.41
4.15 %
7.11 %
6.26 %
Moderate
WhiteOak Capital Liquid Fund
567.803
1492.31
6.12 %
6.85 %
5.95 %
Low to Moderate
The Wealth Company Liquid Fund
564.307
1040.94
0.00 %
0.00 %
0.00 %
Low to Moderate
Mahindra Manulife Low Duration Fund
560.97
1852.03
6.04 %
7.38 %
6.44 %
Moderate
UTI Gilt Fund
548.371
67.34
2.17 %
6.62 %
5.82 %
Moderate
Kotak CRISIL IBX AAA Financial Services Index - Sep 2027 Fund
536.993
11.33
5.68 %
0.00 %
0.00 %
Low to Moderate
LIC MF Overnight Fund
529.759
1408.52
5.36 %
6.22 %
5.60 %
Low
Quantum Liquid Fund
529.155
37.10
5.75 %
6.58 %
5.83 %
Low
Kotak Nifty SDL Plus AAA PSU Bond Jul 2028 60:40 Index Fund
523.532
12.99
4.23 %
7.06 %
0.00 %
Low to Moderate
Union Corporate Bond Fund
513.781
16.19
3.15 %
6.73 %
5.67 %
Moderate
SBI Fixed Maturity Plan - Series 42 (1857 Days)
503.83
13.47
5.90 %
7.01 %
6.21 %
Low
HDFC FMP 1861D March 2022
498.91
13.14
5.63 %
7.35 %
0.00 %
Low to Moderate
Canara Robeco Ultra Short Term Fund
497.547
4268.56
6.15 %
6.95 %
6.04 %
Low to Moderate
Edelweiss Banking and PSU Debt Fund
494.031
26.51
3.20 %
6.59 %
6.03 %
Moderate
Kotak FMP Series 292 - 1735 Days
484.804
13.12
6.01 %
7.14 %
0.00 %
Low
ICICI Prudential Fixed Maturity Plan - Series 85 10 Years Plan I
483.487
17.67
3.58 %
7.27 %
6.61 %
Low to Moderate
Bank of India Money Market Fund
483.066
10.93
6.11 %
0.00 %
0.00 %
Low to Moderate
Edelweiss Low Duration Fund
478.746
1081.23
5.85 %
0.00 %
0.00 %
Low to Moderate
Mirae Asset Nifty SDL Jun 2027 Index Fund
477.364
13.01
5.32 %
7.26 %
0.00 %
Low to Moderate
HSBC Credit Risk Fund
475.039
36.86
5.42 %
11.54 %
9.28 %
NA
Franklin India Banking & PSU Debt Fund
472.913
24.73
5.32 %
7.30 %
6.26 %
Low to Moderate
ICICI Prudential CRISIL-IBX Financial Services 3-6 Months Debt Index Fund
441.136
10.85
6.59 %
0.00 %
0.00 %
Low to Moderate
Bandhan CRISIL-IBX Financial Services 3-6 Months Debt Index Fund
440.863
10.86
6.47 %
0.00 %
0.00 %
Low to Moderate
Axis Gilt Fund
438.393
27.80
0.81 %
6.70 %
5.90 %
Moderate
SBI Fixed Maturity Plan - Series 81 (1157 Days)
435.792
12.48
5.80 %
7.04 %
0.00 %
Low to Moderate
Franklin India Low Duration Fund
428.666
10.92
6.39 %
0.00 %
0.00 %
Low to Moderate
Bandhan Crisil IBX Gilt April 2032 Index Fund
428.304
12.79
2.17 %
7.05 %
0.00 %
Moderate
Motilal Oswal Ultra Short Term Fund
427.734
18.38
5.92 %
6.40 %
5.55 %
Low to Moderate
Bandhan Medium to Long Duration Fund
426.232
73.05
2.58 %
5.84 %
5.05 %
Moderate
Bandhan CRISIL IBX 90:10 SDL Plus Gilt- April 2032 Index Fund
420.772
12.83
1.33 %
6.74 %
0.00 %
Moderate
SBI Fixed Maturity Plan - Series 49 (1823 Days)
417.392
13.35
5.82 %
7.16 %
0.00 %
Low
360 ONE Overnight Fund
415.971
1048.58
0.00 %
0.00 %
0.00 %
Low
UTI Dynamic Bond Fund
415.866
34.95
3.07 %
7.14 %
9.37 %
Moderate
Union Overnight Fund
411.064
1430.33
5.35 %
6.21 %
5.59 %
Low
SBI Fixed Maturity Plan - Series 44 (1855 Days)
408.835
13.49
5.68 %
7.02 %
0.00 %
Low
Aditya Birla Sun Life CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund
401.656
13.10
4.34 %
7.10 %
0.00 %
Low to Moderate
Axis Fixed Maturity Plan - Series 129 (108 Days)
383.411
10.19
0.00 %
0.00 %
0.00 %
Low to Moderate
Nippon India Nifty AAA PSU Bond Plus SDL - Sep 2026 Maturity 50:50 Index Fund
375.656
12.90
5.98 %
7.07 %
0.00 %
Low
Sundaram Low Duration Fund
368.75
3906.14
5.65 %
7.19 %
7.94 %
Low to Moderate
Bandhan Fixed Term Plan Series 179
365.996
17.73
3.61 %
7.34 %
6.65 %
Low to Moderate
Nippon India Medium to Long Duration Fund
364.397
102.52
1.52 %
6.26 %
6.03 %
Moderate
Nippon India Nifty G-Sec Sep 2027 Maturity Index Fund
359.589
12.77
5.19 %
7.03 %
0.00 %
Low to Moderate
SBI Fixed Maturity Plan - Series 61 (1927 Days)
357.354
13.10
5.30 %
7.24 %
0.00 %
Low to Moderate
SBI Fixed Maturity Plan - Series 72 (1239 Days)
355.565
12.58
6.13 %
7.12 %
0.00 %
Low
Axis Credit Risk Fund
355.177
25.63
7.32 %
8.35 %
7.45 %
High
HDFC FMP 1359D September 2022
345.282
12.95
5.65 %
6.93 %
0.00 %
Low
UTI Fixed Term Income Fund - Series XXXV - I (1260 Days)
343.077
12.57
5.97 %
7.03 %
0.00 %
Low
LIC MF Ultra Short Duration Fund
341.784
1427.69
6.22 %
7.02 %
6.23 %
Low to Moderate
Invesco India Overnight Fund
337.053
1372.78
5.35 %
6.22 %
5.58 %
Low
Aditya Birla Sun Life Fixed Term Plan - Series TI (1837 Days)
333.506
13.50
5.82 %
7.14 %
0.00 %
Low
SBI Fixed Maturity Plan - Series 53 (1839 Days)
329.399
13.20
5.75 %
7.21 %
0.00 %
Low
Nippon India Nifty SDL Plus G-Sec - Jun 2028 Maturity 70:30 Index Fund
328.007
12.88
4.36 %
7.15 %
0.00 %
Low to Moderate
DSP Floater Fund
325.732
13.97
4.36 %
7.69 %
6.51 %
Moderate
Bandhan Gilt Fund with 10 year Constant Duration Fund
325.418
48.08
2.18 %
7.07 %
5.77 %
Moderate
Bajaj Finserv Banking and PSU Fund
322.755
11.95
3.19 %
0.00 %
0.00 %
Moderate
SBI Fixed Maturity Plan - Series 51 (1846 Days)
318.313
13.21
5.78 %
7.18 %
0.00 %
Low
Bandhan Crisil IBX Gilt April 2026 Index Fund
315.578
12.66
5.82 %
6.82 %
0.00 %
Low
Franklin India Ultra Short Duration Fund
313.659
11.28
6.27 %
0.00 %
0.00 %
Low to Moderate
Nippon India Nifty SDL Plus G-Sec - Jun 2029 Maturity 70:30 Index Fund
309.195
12.71
3.57 %
7.16 %
0.00 %
Low to Moderate
Kotak CRISIL-IBX Financial Services 3-6 Months Debt Index Fund
307.963
10.86
6.42 %
0.00 %
0.00 %
Low to Moderate
Nippon India CRISIL-IBX Financial Services 3-6 Months Debt Index Fund
300.184
10.16
0.00 %
0.00 %
0.00 %
Low to Moderate
UTI Medium to Long Duration Fund
299.702
81.58
1.13 %
5.86 %
8.34 %
NA
Canara Robeco Short Duration Fund
298.243
28.97
4.42 %
6.83 %
5.87 %
Low to Moderate
UTI CRISIL SDL Maturity April 2033 Index Fund
296.269
12.68
0.83 %
6.48 %
0.00 %
Moderate
Canara Robeco Overnight Fund
295.675
1402.47
5.29 %
6.13 %
5.53 %
Low
Baroda BNP Paribas Low Duration Fund
292.084
46.32
5.96 %
7.28 %
6.38 %
Low to Moderate
Franklin India Floating Rate Fund
289.618
47.08
5.73 %
8.18 %
7.02 %
Moderate
DSP Bond Fund
288.399
90.17
3.27 %
6.87 %
6.02 %
Moderate
DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund
286.852
12.75
1.45 %
6.74 %
0.00 %
Moderate
Shriram Money Market Fund
285.452
1019.37
0.00 %
0.00 %
0.00 %
Low to Moderate
Sundaram Banking & PSU Fund
277.589
45.50
3.92 %
6.83 %
5.76 %
Moderate
Groww Liquid Fund
277.54
2703.19
6.26 %
6.98 %
6.04 %
Low to Moderate
SBI Fixed Maturity Plan - Series 57 (1835 Days)
274.235
13.07
5.73 %
7.24 %
0.00 %
Low to Moderate
Bank of India Short Term Income Fund
271.586
30.38
4.49 %
7.28 %
10.52 %
Moderate
SBI Fixed Maturity Plan - Series 55 (1849 Days)
270.74
13.15
5.70 %
7.20 %
0.00 %
Low
HDFC FMP 1406D August 2022
269.099
12.94
5.76 %
7.09 %
0.00 %
Low
SBI Fixed Maturity Plan - Series 58 (1842 Days)
267.894
13.17
5.64 %
7.24 %
0.00 %
Low to Moderate
SBI Fixed Maturity Plan - Series 60 (1878 Days)
264.167
13.07
5.57 %
7.29 %
0.00 %
Low to Moderate
Kotak FMP Series 300 - 1223 Days
261.956
12.54
6.11 %
7.10 %
0.00 %
Low
Baroda BNP Paribas Short Duration Fund
259.647
33.15
4.23 %
7.20 %
6.33 %
Low to Moderate
Axis CRISIL-IBX Financial Services 3-6 Months Debt Index Fund
259.384
10.44
0.00 %
0.00 %
0.00 %
Low to Moderate
ICICI Prudential Nifty SDL Sep 2026 Index Fund
256.678
12.73
5.69 %
7.08 %
0.00 %
Low
UTI Credit Risk Fund
252.515
20.36
5.68 %
7.53 %
10.03 %
NA
Axis Fixed Maturity Plan - Series 130 (92 Days)
244.907
10.17
0.00 %
0.00 %
0.00 %
Low to Moderate
Nippon India Fixed Maturity Plan XLV - Series 5
242.597
13.02
7.37 %
8.54 %
0.00 %
Moderate
DSP Credit Risk Fund
242.062
59.40
9.89 %
16.57 %
12.99 %
NA
Baroda BNP Paribas Corporate Bond Fund
241.692
30.60
4.44 %
7.26 %
6.01 %
Moderate
Nippon India Fixed Maturity Plan XLIII - Series 1
240.937
13.36
5.76 %
7.15 %
0.00 %
Low
SBI Fixed Maturity Plan - Series 45 (1840 Days)
239.646
13.48
5.64 %
7.00 %
0.00 %
Low
Aditya Birla Sun Life Fixed Term Plan - Series TQ (1879 Days)
233.007
13.07
5.54 %
7.25 %
0.00 %
Low to Moderate
Helios Overnight Fund
231.25
1165.19
5.19 %
0.00 %
0.00 %
Low
Axis Long Duration Fund
230.498
1231.51
-2.72 %
5.19 %
0.00 %
Moderate
Bandhan Credit Risk Fund
230.478
18.61
4.39 %
6.95 %
6.21 %
NA
JioBlackRock Short Duration Fund
224.875
1016.06
0.00 %
0.00 %
0.00 %
NA
JM Low Duration Fund
223.168
40.15
5.82 %
7.15 %
6.24 %
Low to Moderate
Bandhan Floater Fund
222.459
13.86
5.14 %
7.52 %
6.48 %
Moderate
Mirae Asset CRISIL IBX Gilt Index - April 2033 Index Fund
217.632
13.13
1.68 %
6.79 %
0.00 %
Moderate
SBI Fixed Maturity Plan - Series 73 (1226 Days)
212.519
12.56
6.07 %
7.09 %
0.00 %
Low
Mahindra Manulife Ultra Short Duration Fund
211.947
1490.61
6.28 %
7.23 %
6.37 %
Low to Moderate
Kotak Nifty AAA Bond Financial Services Mar 2028 Index Fund
209.983
10.44
0.00 %
0.00 %
0.00 %
Low to Moderate
Edelweiss Overnight Fund
208.436
1405.47
5.31 %
6.17 %
5.54 %
Low
SBI CRISIL-IBX Financial Services 9-12 Months Debt Index Fund
208.354
10.02
0.00 %
0.00 %
0.00 %
Low to Moderate
SBI CRISIL-IBX Financial Services 3-6 Months Debt Index Fund
207.107
10.06
0.00 %
0.00 %
0.00 %
Low to Moderate
SBI Fixed Maturity Plan - Series 68 (1302 Days)
203.928
12.72
5.94 %
6.92 %
0.00 %
Low
Kotak Nifty SDL Jul 2033 Index Fund
192.244
12.61
0.77 %
6.44 %
0.00 %
Moderate
UTI Fixed Term Income Fund - Series XXXV - II (1223 Days)
191.244
12.43
6.12 %
7.11 %
0.00 %
Low
Sundaram Short Duration Fund
187.904
50.19
4.61 %
7.21 %
7.80 %
Low to Moderate
LIC MF Medium to Long Duration Fund
187.08
80.21
1.91 %
6.81 %
5.94 %
Moderate
Nippon India Fixed Maturity Plan XLIII - Series 5
185.78
13.26
4.05 %
7.33 %
0.00 %
Low to Moderate
Canara Robeco Banking and PSU Debt Fund
185.377
12.63
3.57 %
6.38 %
0.00 %
Moderate
HDFC Nifty SDL Oct 2026 Index Fund
182.923
12.68
5.71 %
7.09 %
0.00 %
Low
HSBC CRISIL IBX Gilt June 2027 Index Fund
181.895
12.58
5.26 %
7.06 %
0.00 %
Low to Moderate
HSBC Gilt Fund
177.366
75.53
-1.66 %
5.36 %
5.07 %
Moderate
SBI Fixed Maturity Plan - Series 76 (1221 Days)
175.596
12.57
5.55 %
6.83 %
0.00 %
Low
Baroda BNP Paribas Nifty SDL December 2026 Index Fund
175.413
12.71
5.60 %
7.19 %
0.00 %
Low to Moderate
Baroda BNP Paribas Credit Risk Fund
174.429
25.95
6.42 %
8.27 %
9.16 %
NA
SBI Fixed Maturity Plan - Series 74 (1243 Days)
167.956
12.67
5.66 %
7.01 %
0.00 %
Low
Invesco India Medium Duration Fund
167.255
1327.14
3.18 %
6.77 %
0.00 %
Moderate
PGIM India Ultra Short Duration Fund
166.593
37.56
5.93 %
6.99 %
6.23 %
Low to Moderate
HDFC Nifty G-Sec Apr 2029 Index Fund
166.088
12.79
3.97 %
7.19 %
0.00 %
Low to Moderate
HDFC FMP 2638D February 2023
165.941
12.97
3.09 %
7.27 %
0.00 %
Moderate
Aditya Birla Sun Life CRISIL IBX Gilt-April 2026 Index Fund
164.769
12.72
0.00 %
0.00 %
0.00 %
Low
Franklin India Government Securities Fund
164.462
66.19
1.94 %
5.99 %
5.29 %
Moderate
Invesco India Credit Risk Fund
159.49
2293.65
6.59 %
9.30 %
8.21 %
Moderate
Invesco India Gilt Fund
157.95
3142.81
-1.28 %
6.01 %
5.40 %
Moderate
Bank of India Ultra Short Duration Fund
153.807
3455.25
6.10 %
6.78 %
5.98 %
Low to Moderate
Aditya Birla Sun Life CRISIL IBX SDL Jun 2032 Index Fund
151.717
12.68
1.30 %
6.69 %
0.00 %
Moderate
Bandhan CRISIL IBX 90:10 SDL Plus Gilt-September 2027 Index Fund
149.631
12.89
5.00 %
7.22 %
0.00 %
Low to Moderate
Axis Floater Fund
148.2
1382.26
3.95 %
7.78 %
0.00 %
NA
Aditya Birla Sun Life US Treasury 3-10 Year Bonds ETFs Passive FoF
146.309
13.04
14.48 %
0.00 %
0.00 %
Very High
SBI Fixed Maturity Plan - Series 52 (1848 Days)
146.059
13.19
5.81 %
7.19 %
0.00 %
Low
Aditya Birla Sun Life CRISIL-IBX AAA NBFC-HFC Index-Dec 2025 Fund
146.033
10.87
7.19 %
0.00 %
0.00 %
Low to Moderate
Nippon India Medium Duration Fund
145.129
17.94
6.91 %
7.99 %
9.40 %
NA
Bandhan US Treasury Bond 0-1 year Specific Debt Passive FoF
142.827
13.27
15.60 %
9.64 %
0.00 %
Very High
Kotak CRISIL-IBX AAA Bond Financial Services Index - Dec 2026 Fund
142.347
10.96
6.17 %
0.00 %
0.00 %
Low to Moderate
Aditya Birla Sun Life CRISIL-IBX AAA NBFC-HFC Index-Sep 2026 Fund
141.835
11.30
6.81 %
0.00 %
0.00 %
Low to Moderate
ITI Ultra Short Duration Fund
141.035
1352.37
6.14 %
7.03 %
6.17 %
Low to Moderate
ICICI Prudential Fixed Maturity Plan - Series 88 1226 Days Plan F
140.592
12.51
6.10 %
7.13 %
0.00 %
Low
SBI Fixed Maturity Plan - Series 46 (1850 Days)
139.792
13.47
5.63 %
6.96 %
0.00 %
Low
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund
138.987
12.66
4.26 %
7.05 %
0.00 %
Low to Moderate
LIC MF Short Duration Fund
138.107
16.27
4.30 %
7.19 %
6.17 %
Moderate
Kotak FMP Series 310 - 1131 Days
136.882
12.29
5.91 %
6.98 %
0.00 %
Low
Edelweiss Government Securities Fund
135.199
26.08
-1.58 %
5.61 %
5.43 %
Moderate
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Sep 2028 Index Fund
135.187
13.03
4.19 %
7.17 %
0.00 %
Low to Moderate
Tata Nifty G-Sec Dec 2029 Index Fund
134.598
12.84
3.70 %
7.19 %
0.00 %
Low to Moderate
PGIM India Money Market Fund
133.616
1442.12
5.84 %
7.07 %
6.36 %
Low to Moderate
DSP FMP Series 268 - 1281 Days
133.582
12.78
5.71 %
7.00 %
0.00 %
Low
SBI Fixed Maturity Plan - Series 78 (1170 Days)
132.939
12.47
5.94 %
6.94 %
0.00 %
Low
TRUSTMF Money Market Fund
131.968
1293.18
5.93 %
7.01 %
0.00 %
Low to Moderate
TRUSTMF Banking & PSU Fund
130.715
1308.45
6.72 %
6.98 %
5.64 %
Moderate
Shriram Liquid Fund
130.169
1101.33
6.06 %
0.00 %
0.00 %
Low to Moderate
SBI Fixed Maturity Plan - Series 50 (1843 Days)
129.612
13.22
5.75 %
7.14 %
0.00 %
Low
Axis Nifty AAA Bond Plus SDL Apr 2026 50:50 ETF FoF
128.688
12.83
6.39 %
7.06 %
0.00 %
Low
Shriram Overnight Fund
128.434
1254.72
5.32 %
6.15 %
0.00 %
Low
Mahindra Manulife Overnight Fund
128.058
1406.30
5.34 %
6.21 %
5.60 %
Low
HSBC Dynamic Bond Fund
126.661
32.72
0.84 %
6.40 %
5.55 %
Moderate
Baroda BNP Paribas Dynamic Bond Fund
126.016
51.41
-0.19 %
5.95 %
5.81 %
Moderate
Canara Robeco Gilt Fund
125.625
81.94
-0.71 %
5.69 %
5.33 %
Moderate
Nippon India Nifty G-Sec Oct 2028 Maturity Index Fund
125.475
12.75
4.38 %
7.10 %
0.00 %
Low to Moderate
UTI Gilt Fund with 10 year Constant Duration
123.863
13.07
1.23 %
6.48 %
0.00 %
Moderate
Aditya Birla Sun Life Long Duration Fund
121.317
13.06
-1.24 %
5.98 %
0.00 %
Moderate
Nippon India Fixed Maturity Plan XLV - Series 4
121.016
12.30
6.16 %
7.16 %
0.00 %
Low
TRUSTMF Corporate Bond Fund
120.602
1249.63
3.62 %
6.61 %
0.00 %
Low to Moderate
Kotak FMP Series 304 - 3119 Days
119.018
12.96
2.11 %
7.15 %
0.00 %
Moderate
UTI Nifty SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund
118.399
12.43
6.08 %
7.06 %
0.00 %
Low
Mirae Asset Dynamic Bond Fund
116.218
18.61
5.46 %
7.10 %
5.86 %
Low to Moderate
Canara Robeco Income Fund
112.759
63.48
1.54 %
5.88 %
5.31 %
Moderate
Mirae Asset CRISIL-IBX Financial Services 9-12 Months Debt Index Fund
110.913
10.52
0.00 %
0.00 %
0.00 %
Low to Moderate
Tata Floating Rate Fund
110.78
13.66
4.91 %
7.36 %
0.00 %
Low to Moderate
Canara Robeco Corporate Bond Fund
108.492
24.18
3.58 %
6.55 %
5.73 %
Low to Moderate
ICICI Prudential Diversified Debt Strategy Active FoF
105.304
48.68
3.92 %
7.05 %
6.34 %
NA
Bank of India Credit Risk Fund
104.689
14.58
17.11 %
9.89 %
27.72 %
NA
Edelweiss CRISIL IBX AAA Financial Services Bond - Jan 2028 Index Fund
103.626
11.13
5.61 %
0.00 %
0.00 %
Low to Moderate
Kotak FMP Series 308 - 1125 Days
103.029
12.54
7.08 %
7.94 %
0.00 %
Moderate
TRUSTMF Short Duration Fund
102.295
1331.54
4.24 %
6.85 %
0.00 %
Low to Moderate
Axis Fixed Term Plan Series 113 (1228 Days)
101.525
12.58
6.46 %
7.20 %
0.00 %
Low to Moderate
Kotak Nifty SDL Jul 2026 Index Fund
96.475
12.70
5.71 %
7.02 %
0.00 %
Low
Invesco India Banking and PSU Fund
96.224
2520.63
3.38 %
6.83 %
5.52 %
Moderate
Groww Short Term Fund
95.688
2497.92
4.35 %
7.02 %
5.97 %
Moderate
PGIM India Gilt Fund
93.064
32.81
-0.98 %
5.95 %
5.52 %
Moderate
Kotak Long Duration Fund
92.67
10.94
-2.93 %
0.00 %
0.00 %
Moderate
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL June 2027 Index Fund
92.39
13.02
5.31 %
7.12 %
0.00 %
Low to Moderate
Union Dynamic Bond Fund
92.295
24.38
-2.41 %
4.69 %
4.20 %
Moderate
Bandhan CRISIL IBX 90:10 SDL Plus Gilt- November 2026 Index Fund
91.33
12.87
5.77 %
7.18 %
0.00 %
Low
Union Gilt Fund
89.865
12.17
-3.28 %
4.63 %
0.00 %
Moderate
DSP Nifty SDL Plus G-Sec Sep 2027 50:50 Index Fund
89.65
12.74
5.05 %
7.13 %
0.00 %
Low to Moderate
JM Overnight Fund
89.256
1376.78
5.20 %
6.12 %
5.53 %
Low
Nippon India CRISIL IBX AAA Financial Services - Dec 2026 Index Fund
88.039
11.23
6.40 %
0.00 %
0.00 %
Low to Moderate
Canara Robeco Dynamic Bond Fund
87.941
32.69
-0.50 %
5.49 %
5.24 %
Moderate
SBI Fixed Maturity Plan - Series 79 (1130 Days)
86.741
12.39
6.08 %
7.01 %
0.00 %
Low
Quantum Dynamic Bond Fund
86.138
22.28
1.09 %
6.78 %
6.15 %
Moderate
Nippon India CRISIL IBX AAA Financial Services - Jan 2028 Index Fund
86.117
11.19
5.45 %
0.00 %
0.00 %
Low to Moderate
Mahindra Manulife Short Duration Fund
85.958
13.95
5.00 %
7.46 %
6.48 %
Moderate
Union Short Duration Fund
85.861
10.84
4.10 %
0.00 %
0.00 %
Moderate
Edelweiss CRISIL-IBX AAA Bond NBFC-HFC - Jun 2027 Index Fund
85.695
10.97
6.15 %
0.00 %
0.00 %
Low to Moderate
HDFC FMP 1269D March 2023
83.543
12.53
5.71 %
7.11 %
0.00 %
Low
Aditya Birla Sun Life US Treasury 1-3 Year Bonds ETFs Passive FoF
83.36
12.80
14.67 %
0.00 %
0.00 %
Very High
PGIM India Dynamic Bond Fund
83.317
3055.96
1.22 %
6.83 %
6.10 %
Moderate
Quant Gilt Fund
83.204
12.28
0.51 %
5.65 %
0.00 %
Moderate
JM Short Duration Fund
83.073
12.86
4.29 %
6.90 %
0.00 %
Low to Moderate
Axis Fixed Term Plan Series 112 (1143 Days)
82.955
12.45
6.04 %
7.11 %
0.00 %
Low
Groww Overnight Fund
82.716
1399.74
5.25 %
6.14 %
5.46 %
Low
Bandhan Long Duration Fund
81.78
11.10
-1.61 %
0.00 %
0.00 %
Moderate
Invesco India Nifty G-sec Jul 2027 Index Fund
81.389
1257.23
5.28 %
7.08 %
0.00 %
Low to Moderate
PGIM India Corporate Bond Fund
81.372
50.06
3.69 %
6.95 %
6.21 %
Moderate
Aditya Birla Sun Life Fixed Term Plan - Series UJ (1110 Days)
79.523
12.32
6.18 %
7.03 %
0.00 %
Low
Nippon India Fixed Maturity Plan XLIV - Series 1
79.205
13.17
5.36 %
7.39 %
0.00 %
Low to Moderate
Navi Liquid Fund
75.931
30.14
5.71 %
6.49 %
5.91 %
Low to Moderate
Tata Nifty G-Sec Dec 2026 Index Fund
73.559
12.66
5.58 %
6.98 %
0.00 %
Low to Moderate
Mirae Asset Nifty AAA PSU Bond Plus SDL Apr 2026 50:50 Index Fund
70.53
12.71
0.00 %
0.00 %
0.00 %
Low
Mirae Asset Nifty SDL June 2028 Index Fund
69.086
12.57
4.09 %
7.21 %
0.00 %
Low to Moderate
DSP US Specific Debt Passive FoF
69.055
12.56
14.74 %
0.00 %
0.00 %
Very High
Nippon India Fixed Maturity Plan XLI - Series 8
68.464
17.37
3.46 %
7.29 %
6.57 %
Low to Moderate
ICICI Prudential Fixed Maturity Plan - Series 88 1303 Days Plan S
68.159
12.65
5.81 %
7.20 %
0.00 %
Low
UTI Long Duration Fund
67.559
12.07
-2.69 %
5.05 %
0.00 %
Moderate
Axis Nifty SDL September 2026 Debt Index Fund
65.791
12.83
5.74 %
7.13 %
0.00 %
Low
TRUSTMF Fixed Maturity Plan - Series II (1196 Days)
64.917
1291.46
7.16 %
8.39 %
0.00 %
Moderate
UTI CRISIL SDL Maturity June 2027 Index Fund
64.77
12.76
5.41 %
7.26 %
0.00 %
Low to Moderate
Axis CRISIL IBX 50:50 Gilt Plus SDL Jun 2028 Index Fund
63.747
12.69
4.23 %
7.10 %
0.00 %
Low to Moderate
Quant Overnight Fund
63.655
12.41
5.17 %
6.34 %
0.00 %
Low
UTI Fixed Term Income Fund - Series XXXVI - I (1574 Days)
63.559
12.83
5.42 %
7.35 %
0.00 %
Low to Moderate
Zerodha Overnight Fund
60.801
10.63
5.22 %
0.00 %
0.00 %
NA
Nippon India Fixed Maturity Plan XLIV - Series 4
56.287
12.50
6.16 %
7.16 %
0.00 %
Low
HDFC FMP 1204D December 2022
55.767
12.44
6.06 %
6.95 %
0.00 %
Low
Motilal Oswal 5 Year G-Sec FoF
55.581
12.90
2.38 %
6.45 %
0.00 %
Moderate
ITI Liquid Fund
54.644
1448.78
6.13 %
6.75 %
5.94 %
Low to Moderate
DSP FMP Series 264 - 60M - 17D
54.139
13.24
5.78 %
7.21 %
0.00 %
Low
JM Dynamic Bond Fund
53.153
45.64
1.77 %
6.40 %
5.93 %
Moderate
Invesco India Nifty G-sec Sep 2032 Index Fund
52.705
1263.15
1.99 %
7.01 %
0.00 %
Moderate
TRUSTMF Overnight Fund
52.344
1284.67
5.24 %
6.16 %
0.00 %
Low
Mahindra Manulife Dynamic Bond Fund
52.231
15.99
2.89 %
7.00 %
5.78 %
Moderate
SBI Fixed Maturity Plan - Series 1 (3668 Days)
51.069
17.39
3.82 %
7.34 %
6.68 %
Low to Moderate
DSP 10Y G-Sec Fund
48.332
22.63
0.40 %
5.98 %
4.59 %
Moderate
HDFC NIFTY SDL Plus G-Sec Jun 2027 40:60 Index Fund
48.041
12.58
5.31 %
7.12 %
0.00 %
Low to Moderate
HSBC Medium to Long Duration Fund
47.928
47.77
0.65 %
6.00 %
5.19 %
Moderate
Franklin India Medium to Long Duration Fund
46.369
11.01
2.46 %
0.00 %
0.00 %
Moderate
Mirae Asset Corporate Bond Fund
46.326
13.53
3.54 %
6.76 %
5.89 %
Moderate
DSP FMP Series 267 - 1172 Days
46.316
12.73
5.08 %
6.74 %
0.00 %
Low to Moderate
UTI Fixed Term Income Fund - Series XXXV - III (1176 Days)
46.219
12.33
5.96 %
6.99 %
0.00 %
Low
LIC MF Gilt Fund
44.596
58.60
-1.86 %
4.71 %
4.03 %
Moderate
LIC MF Gilt Fund
44.596
64.94
-2.62 %
4.81 %
4.57 %
Moderate
PGIM India Overnight Fund
44.33
1400.69
5.24 %
6.17 %
5.57 %
Low
Bank of India Overnight Fund
42.82
1382.25
5.61 %
6.36 %
5.72 %
Low
Mirae Asset Banking and PSU Fund
41.663
13.74
3.20 %
6.61 %
5.79 %
Moderate
Aditya Birla Sun Life Nifty SDL Sep 2027 Index Fund
40.27
12.72
4.99 %
7.19 %
0.00 %
Low to Moderate
SBI Fixed Maturity Plan - Series 54 (1842 Days)
40.13
13.18
5.72 %
7.21 %
0.00 %
Low
Axis US Specific Treasury Dynamic Debt Passive FoF
39.065
12.27
14.67 %
0.00 %
0.00 %
Very High
ITI Banking & PSU Debt Fund
37.839
13.96
4.49 %
6.98 %
6.30 %
Low to Moderate
Groww Dynamic Term Fund
37.714
1550.03
0.44 %
5.40 %
5.06 %
Moderate
Axis CRISIL-IBX AAA Bond NBFC-HFC - Jun 2027 Index Fund
37.234
11.07
5.89 %
0.00 %
0.00 %
Low to Moderate
SBI Fixed Maturity Plan - Series 6 (3668 Days)
36.895
16.91
3.68 %
7.26 %
6.54 %
Low to Moderate
Kotak FMP Series 305 - 1200 Days
36.688
12.47
5.80 %
6.87 %
0.00 %
Low
UTI Medium Duration Fund
36.281
20.31
3.37 %
6.65 %
6.54 %
Moderate
Axis CRISIL IBX 50:50 Gilt Plus SDL September 2027 Index Fund
35.582
12.71
5.07 %
7.10 %
0.00 %
Low to Moderate
Groww Money Market Fund
35.561
10.27
0.00 %
0.00 %
0.00 %
Low to Moderate
HDFC FMP 1876D March 2022
34.883
13.09
5.58 %
7.33 %
0.00 %
Low to Moderate
Groww Gilt Fund
34.79
9.86
-1.98 %
0.00 %
0.00 %
Moderate
Aditya Birla Sun Life CRISIL IBX Gilt April 2033 Index Fund
33.983
11.93
2.23 %
0.00 %
0.00 %
Moderate
Aditya Birla Sun Life CRISIL IBX 60:40 SDL+ AAA PSU Apr 2026 Index Fund
33.676
12.50
0.00 %
0.00 %
0.00 %
Low
Sundaram Medium Duration Fund
33.557
79.37
2.65 %
5.68 %
4.81 %
Moderate
UTI Nifty SDL Plus AAA PSU Bond Apr 2028 75:25 Index Fund
32.869
12.67
4.24 %
7.10 %
0.00 %
Low to Moderate
Bajaj Finserv Gilt Fund
32.166
1044.57
-1.11 %
0.00 %
0.00 %
Moderate
Samco Overnight Fund
31.666
1240.51
5.08 %
6.01 %
0.00 %
Low
Baroda BNP Paribas NIFTY SDL December 2028 Index Fund
29.841
12.63
3.38 %
7.07 %
0.00 %
Low to Moderate
JM Medium to Long Duration Fund
29.813
70.89
1.62 %
6.25 %
5.42 %
Moderate
ITI Dynamic Bond Fund
29.774
13.37
1.30 %
6.53 %
0.00 %
Moderate
SBI Fixed Maturity Plan - Series 59 (1618 Days)
29.618
12.96
5.50 %
6.82 %
0.00 %
Low
JioBlackRock Nifty 8-13 yr G-Sec Index Fund
29.556
10.20
0.00 %
0.00 %
0.00 %
NA
SBI Fixed Maturity Plan - Series 34 (3682 Days)
29.149
14.58
3.15 %
7.21 %
6.45 %
Moderate
Aditya Birla Sun Life Fixed Term Plan - Series TJ (1838 Days)
27.493
13.52
5.88 %
7.20 %
0.00 %
Low
Union Fixed Maturity Plan - Series 13 (1114 Days)
27.207
12.20
5.99 %
6.91 %
0.00 %
Low
Aditya Birla Sun Life Fixed Term Plan - Series UB (1224 Days)
26.535
12.54
6.01 %
6.95 %
0.00 %
Low
DSP FMP Series 270 - 1172 Days
25.283
12.50
5.08 %
6.73 %
0.00 %
Low to Moderate
PGIM India CRISIL IBX Gilt Index - Apr 2028 Fund
21.727
12.68
4.67 %
6.92 %
0.00 %
Low to Moderate
Kotak Nifty G-Sec July 2033 Index Fund
20.953
12.18
2.02 %
0.00 %
0.00 %
Moderate
Aditya Birla Sun Life CRISIL IBX Gilt Apr 2028 Index Fund
20.587
12.49
4.62 %
6.75 %
0.00 %
Low to Moderate
Mirae Asset Long Duration Fund
16.926
10.27
-2.63 %
0.00 %
0.00 %
Moderate
ITI Overnight Fund
15.606
1374.74
5.13 %
5.99 %
5.41 %
Low
Franklin India Long Duration Fund
15.498
10.62
0.16 %
0.00 %
0.00 %
Moderate
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan
14.094
14.72
2.85 %
5.73 %
5.10 %
Moderate
Zerodha Nifty Short Duration G-Sec Index Fund
14.055
1010.72
0.00 %
0.00 %
0.00 %
NA
Aditya Birla Sun Life CRISIL-IBX AAA Financial Services Index-Sep 2027 Fund
13.137
11.16
5.83 %
0.00 %
0.00 %
Low to Moderate
Aditya Birla Sun Life CRISIL IBX Gilt June 2027 Index Fund
12.305
11.51
5.13 %
0.00 %
0.00 %
Low to Moderate
Axis CRISIL-IBX AAA Bond Financial Services - Sep 2027 Index Fund
10.97
11.12
5.52 %
0.00 %
0.00 %
Low to Moderate
Axis CRISIL IBX SDL June 2034 Debt Index Fund
8.087
11.28
4.22 %
0.00 %
0.00 %
Moderate
Bandhan CRISIL-IBX 10:90 Gilt + SDL Index - Dec 2029 Fund
0.384
10.77
2.91 %
0.00 %
0.00 %
Moderate
SBI Nifty G-Sec Jul 2031 Index Fund
-
10.03
0.00 %
0.00 %
0.00 %
Moderate
SBI CRISIL-IBX 10:90 Gilt + SDL - Dec 2029 Index Fund
-
10.03
0.00 %
0.00 %
0.00 %
Moderate
DSP Credit Risk Fund
242.062
59.40
9.89 %
16.57 %
12.99 %
NA
Aditya Birla Sun Life Credit Risk Fund
1,353.306
27.28
11.97 %
12.64 %
10.61 %
NA
HSBC Credit Risk Fund
475.039
36.86
5.42 %
11.54 %
9.28 %
NA
Aditya Birla Sun Life Medium Term Fund
3,097.755
46.73
7.90 %
10.13 %
12.52 %
NA
Bank of India Credit Risk Fund
104.689
14.58
17.11 %
9.89 %
27.72 %
NA

A debt fund is a mutual fund that invests in instruments that earn interest, such as government bonds, corporate bonds, treasury bills, and other fixed-income securities. The primary goal of a debt fund is stability. Unlike equity funds, which can swing widely with the stock market, debt funds focus on predictable income.

When you invest in a debt fund, the fund manager puts your money into these interest-paying instruments. The returns mainly come from the interest received and, at times, from small changes in bond prices. Since debt funds are not closely linked to stock market movements, they tend to be less volatile. This makes their performance more consistent than equity-oriented investments, especially when the market is unclear or changing quickly.

Debt mutual funds are among the biggest buyers of bonds when they lend money to corporations and governments. The interest on these bonds is accrued to the NAV of the fund on daily basis. As interest rates go down, older bonds that pay higher yields become more valuable and as a result the NAV rises. Prices of bonds fall when rates rise.

Credit risk is the real concern. SEBI-registered credit rating agencies like CRISIL, ICRA, CARE Ratings etc. provide a credit rating to each bond in a debt fund portfolio. This rating reveals how likely the issuer is to pay back the principal and interest as they come due. A rating of AAA (highest safety) to D (default) is the safest way credit can be rated. Usually, any ratings below BB are considered bad.

Some bonds offer higher interest because the company is financially weaker. But if the company’s financial health worsens, gets downgraded, or defaults, the bond price can fall sharply in one go. That’s why many fund managers stick mostly to bonds with AAA or AA ratings.

Funds managers also rebalance fund allocations when a company’s finances weaken, when rating outlooks turn negative, or when the extra yield no longer justifies the risk. They also shift maturities if interest rate expectations change and reinvest money from maturing bonds at better opportunities. So, returns come from interest rate moves and careful credit decisions.

Below are some key features that explain how debt funds work:

Stable Returns

These funds are usually considered less volatile than equity-oriented funds. You see gradual, steady growth month after month. You roughly know what to expect when your maturity date arrives. However, the returns are often lower than those of equity funds.

Lower Risk Profile

Debt funds are not as highly volatile as equity funds. They put money in fixed-income instruments that pay fixed interest. Most securities carry ratings that show how safe they are. Hence, it is good for people who want steady growth without much risk.

Carries Specific Risks

Debt funds are considered safer than equity but not completely safe. Interest rates affect them directly. Credit risk is the other concern. Sometimes companies or borrowers fail to repay their bonds. Your fund loses money if this happens. Better-rated bonds lower this chance, but no investment is completely risk-free.

Here are the main reasons to invest in debt funds:

Better Liquidity

Debt funds are generally highly liquid compared to FDs. You can easily withdraw your money within 1-2 days of the redemption. There may be some minimal exit charges for early withdrawal, but not as high as FD penalties.

Professional Management

Fund managers use their market expertise to track interest rates and company health, shifting to safer options when needed. For busy investors, debt mutual funds offer expert oversight, diversification, and controlled risk.

Different Investment Options

Debt funds offer diverse investment options as fixed income investments come with different maturity periods, credit ratings, and interest rates to match your needs. You can pick funds based on your investment horizon.

How debt mutual funds are taxed is based on when you buy them and how long you hold them for.

Current Tax Treatment

For debt mutual funds purchased on or after 1 April 2023, any gains from redemption or transfer are taxed at the investor’s applicable income tax slab rate, with no indexation benefit available.

Old Tax Treatment

All gains from the redemption or transfer of a debt mutual fund bought on or before 1 April 2023 have a different tax treatment.

  • Short-Term Capital Gains (STCG): If you invested in the debt mutual fund for up to 36 months, your gains were considered STCG and taxed as per your income tax slab.
  • Long-Term Capital Gains (LTCG): If you held the fund for more than 36 months, then gain was treated as LTCG and taxed at 20 per cent with indexation benefit.
  • Indexation Benefit: Purchase price was adjusted for inflation through the Cost Inflation Index (CII), thereby lowering taxable gains.

Note: Debt mutual funds purchased before 1 April 2023 and redeemed on or after 23 July 2024 are classified as long-term capital gains (LTCG) when the holding period is more than or equal to 24 months (holding period reduced from earlier 36 months). LTCG is charged at a basic tax rate of 12.5% without indexation. Short-term capital gains (STCG), with a holding period of less than 24 months, continue to be taxed at the investor’s income tax slab rate.

Follow these steps to invest in debt funds:

  • Log in to the Kotak Neo app and click on the ‘Mutual Fund’ tab (it appears next to the F&O tab).
  • Now, click on the fund you want to invest under 'Collections'
  • Select your investment mode - SIP or lumpsum. Choose 'Start SIP' for the former or 'One-time' for the latter.
  • Input your investment amount. Then choose how you want to pay (UPI or net banking )
  • Make a payment to confirm the transaction

Debt funds may look safe, but check a few things first:

  • See what ratings the fund’s bonds have. Higher ratings mean safer investments.
  • Shop around for the same kinds of funds with lower expense ratios.
  • Learn about the experience and strategy of the fund manager.
  • Line up the fund’s duration with your target timing.

Debt funds are safer than equity but not completely risk-free. Companies can default on bond payments occasionally. Interest rate swings affect your returns temporarily. Stick to funds holding AAA-rated bonds for maximum safety. Government security funds carry almost zero default risk. Check the fund’s credit quality before investing.

As per the current taxation norms, all gains from the redemption or transfer of a debt mutual fund bought on or after 1 April 2023 are added to your total income and taxed as per your personal income tax slab rate.

Debt funds usually give better returns than fixed deposits. You can withdraw anytime without breaking the penalties. Taxation happens only when you transfer or redeem, not yearly like FDs. But FDs guarantee exact returns while debt funds fluctuate slightly. Your risk comfort decides which one is better for you.

No, debt mutual funds are not listed on stock exchanges. They are bought and redeemed directly through the fund house or distributors. You transact at the Net Asset Value (NAV) declared daily. Unlike stocks, you cannot trade them during market hours. Redemption requests are processed at the day’s closing NAV.

Figure out what you’re investing for and when you’ll need the money. Check the fund’s credit quality, fees, and how consistently it’s performed. Look at who’s managing it and whether the fund house has a solid reputation. Match everything to your timeline and comfort with risk.

You can identify whether a mutual fund is equity or debt by checking its asset allocation. If 65% or more of the fund is invested in equities, it is treated as an equity fund. If the equity portion is below 65%, it is considered a debt fund.

SOV in debt funds stands for Sovereign. It is used for government bonds such as G-Secs. These are considered very safe because they are backed by the government. Since the risk of default is extremely low, funds with higher SOV exposure are more stable.

YTM stands for Yield to Maturity. It estimates what you could earn if all bonds in the fund are held till maturity. This includes both interest payments and any gain or loss in bond prices. Use it to compare similar funds quickly.

Debt funds work for long-term goals if you want stability. They won’t multiply money like equity can over decades. But they protect capital while giving steady growth. Retirees and conservative investors use debt funds successfully in the long term. Younger investors should mix equity and debt. The right split depends on your risk appetite and goals.