Debt Mutual Funds

Debt Mutual Funds invest primarily in fixed-income securities such as government bonds, corporate bo...

SBI Liquid Fund
71,448.394
4348.46
6.34 %
6.93 %
6.21 %
Moderate
HDFC Liquid Fund
65,878.25
5459.29
6.35 %
6.95 %
6.22 %
Low to Moderate
Aditya Birla Sun Life Liquid Fund
63,686.622
448.52
6.44 %
7.03 %
6.30 %
Moderate
ICICI Prudential Liquid Fund
54,543.056
411.83
6.34 %
6.97 %
6.23 %
Low to Moderate
Axis Liquid Fund
44,865.853
3100.60
6.44 %
7.03 %
6.29 %
Low to Moderate
Kotak Liquid Fund
39,816.842
5623.10
6.37 %
6.97 %
6.23 %
Moderate
Nippon India Liquid Fund
35,870.385
6791.16
6.40 %
7.01 %
6.27 %
Moderate
SBI Savings Fund
33,005.393
44.08
6.16 %
7.30 %
6.54 %
Low to Moderate
Tata Money Market Fund
32,150.047
5042.11
6.39 %
7.51 %
6.73 %
Moderate
ICICI Prudential Money Market Fund
31,085.242
405.09
6.24 %
7.35 %
6.57 %
Low to Moderate
HDFC Corporate Bond Fund
30,721.435
34.34
4.94 %
7.45 %
6.49 %
Moderate
ICICI Prudential Corporate Bond Fund
30,030.301
31.81
6.05 %
7.71 %
6.95 %
Moderate
Kotak Money Market Fund
28,761.792
4794.56
6.30 %
7.37 %
6.59 %
Moderate
HDFC Money Market Fund
28,094.815
6101.11
6.29 %
7.37 %
6.60 %
Moderate
UTI Liquid Fund
27,632.156
456.64
6.40 %
6.99 %
6.26 %
Moderate
Aditya Birla Sun Life Money Manager Fund
27,383.449
395.04
6.28 %
7.39 %
6.63 %
Moderate
SBI Overnight Fund
26,838.589
4385.62
5.30 %
6.12 %
5.61 %
Low
Aditya Birla Sun Life Corporate Bond Fund
23,841.409
119.25
5.01 %
7.43 %
6.55 %
Moderate
ICICI Prudential Savings Fund
22,339.084
581.12
6.39 %
7.56 %
6.69 %
Moderate
SBI Corporate Bond Fund
22,260.273
16.38
5.13 %
7.44 %
6.40 %
Moderate
Tata Liquid Fund
22,044.206
4382.49
6.38 %
7.00 %
6.25 %
Moderate
Nippon India Money Market Fund
21,974.316
4430.64
6.26 %
7.40 %
6.65 %
Moderate
HSBC Liquid Fund
19,663.309
2774.23
6.34 %
6.99 %
6.25 %
Low to Moderate
DSP Liquidity Fund
19,370.739
3974.41
6.41 %
7.01 %
6.26 %
Low to Moderate
ICICI Prudential Short Term Fund
19,174.683
64.08
6.35 %
7.99 %
7.27 %
Moderate
HDFC Low Duration Fund
18,242.409
61.33
6.24 %
7.53 %
6.71 %
Moderate
Axis Money Market Fund
17,972.925
1528.38
6.34 %
7.43 %
6.64 %
Moderate
Aditya Birla Sun Life Savings Fund
17,816.326
585.31
6.49 %
7.49 %
6.66 %
Moderate
UTI Money Market Fund
17,556.886
3293.79
6.26 %
7.37 %
6.61 %
Moderate
Invesco India Liquid Fund
16,796.536
3825.62
6.36 %
6.97 %
6.23 %
Low to Moderate
HDFC Floating Rate Debt Fund
16,451.554
53.30
6.20 %
7.85 %
6.91 %
Moderate
HDFC Ultra Short Term Fund
15,949.563
16.11
6.26 %
7.22 %
6.45 %
Moderate
Bandhan Liquid Fund
15,800.352
3359.18
6.36 %
6.97 %
6.24 %
Low to Moderate
HDFC Short Term Debt Fund
15,008.26
34.02
5.77 %
7.69 %
6.71 %
Moderate
Kotak Corporate Bond Fund
14,996.819
3995.22
5.33 %
7.60 %
6.62 %
Moderate
Bandhan Money Market Fund
14,466.232
43.02
6.37 %
7.39 %
6.55 %
Low to Moderate
Kotak Bond Short Term Fund
14,360.329
54.99
5.43 %
7.60 %
6.61 %
Moderate
ICICI Prudential Ultra Short Term Fund
14,352.321
29.54
6.58 %
7.41 %
6.68 %
Moderate
Kotak Savings Fund
14,181.388
45.60
6.38 %
7.23 %
6.47 %
Low to Moderate
SBI Short Term Debt Fund
13,975.595
34.00
5.49 %
7.50 %
6.51 %
Moderate
Bandhan Corporate Bond Fund
13,688.208
20.42
5.63 %
7.47 %
6.24 %
Moderate
Aditya Birla Sun Life Floating Rate Fund
13,519.324
370.78
6.13 %
7.56 %
6.74 %
Low to Moderate
ICICI Prudential All Seasons Bond Fund
13,517.568
39.04
5.53 %
7.96 %
7.31 %
NA
LIC MF Liquid Fund
13,416.474
5030.89
6.37 %
6.96 %
6.23 %
Moderate
SBI Low Duration Fund
13,394.471
3703.65
5.97 %
7.28 %
6.46 %
Low to Moderate
Axis Banking & PSU Debt Fund
12,270.105
2788.42
5.34 %
7.18 %
6.23 %
Moderate
Edelweiss Liquid Fund
12,258.547
3560.69
6.42 %
7.03 %
6.29 %
Low to Moderate
Bandhan Banking and PSU Fund
12,172.211
26.11
5.67 %
7.23 %
6.28 %
Moderate
Kotak Low Duration Fund
11,522.71
3547.64
6.33 %
7.57 %
6.72 %
Low to Moderate
SBI Ultra Short Duration Fund
11,407.84
6364.79
6.29 %
7.17 %
6.35 %
Moderate
Mirae Asset Liquid Fund
10,973.242
2915.80
6.29 %
6.97 %
6.24 %
Low to Moderate
Nippon India Ultra Short Duration Fund
10,200.009
4289.95
6.82 %
7.58 %
6.90 %
Moderate
ICICI Prudential Overnight Fund
10,066.283
1464.20
5.34 %
6.15 %
5.63 %
Low
HDFC Overnight Fund
9,990.85
4010.49
5.30 %
6.11 %
5.60 %
Low
Aditya Birla Sun Life Low Duration Fund
9,774.938
695.51
6.20 %
7.44 %
6.73 %
Moderate
Nippon India Corporate Bond Fund
9,433.321
63.51
5.34 %
7.71 %
6.92 %
Moderate
BHARAT Bond FOF - April 2030
9,265.171
15.96
4.91 %
7.47 %
6.70 %
Moderate
Aditya Birla Sun Life Banking & PSU Debt Fund
8,963.043
386.53
4.99 %
7.24 %
6.38 %
Moderate
Bandhan Short Duration Fund
8,889.046
60.78
5.98 %
7.77 %
6.53 %
Low to Moderate
ICICI Prudential Banking & PSU Debt Fund
8,823.378
34.73
5.72 %
7.53 %
6.87 %
Moderate
ICICI Prudential Gilt Fund
8,784.937
108.09
4.74 %
7.70 %
7.20 %
Moderate
Aditya Birla Sun Life Overnight Fund
8,573.954
1465.94
5.33 %
6.16 %
5.65 %
Low
SBI Gilt Fund
8,454.825
68.37
3.58 %
6.83 %
6.55 %
Moderate
Axis Overnight Fund
8,216.273
1442.03
5.37 %
6.19 %
5.68 %
Low
Axis Short Duration Fund
8,183.494
32.88
6.06 %
7.87 %
6.88 %
Moderate
ICICI Prudential Nifty PSU Bond Plus SDL Sep 2027 40:60 Index Fund
8,088.954
13.16
5.67 %
7.42 %
0.00 %
Low to Moderate
Baroda BNP Paribas Liquid Fund
8,086.648
3197.67
6.33 %
6.96 %
6.26 %
Low to Moderate
Axis Corporate Bond Fund
8,059.92
18.11
5.74 %
7.88 %
6.89 %
Moderate
ICICI Prudential Floating Interest Fund
8,010.672
453.46
6.87 %
8.18 %
7.23 %
Moderate
SBI CPSE Bond Plus SDL Sep 2026 50:50 Index Fund
8,007.641
13.02
5.95 %
7.16 %
0.00 %
Low
HDFC Credit Risk Debt Fund
7,693.352
25.82
7.26 %
8.21 %
7.21 %
High
Nippon India Floater Fund
7,626.406
48.03
5.77 %
7.71 %
6.66 %
Moderate
Nippon India Low Duration Fund
7,379.127
3981.31
6.38 %
7.50 %
6.69 %
Moderate
Aditya Birla Sun Life Nifty SDL Plus PSU Bond Sep 2026 60:40 Index Fund
7,254.822
13.12
5.91 %
7.18 %
0.00 %
Low
DSP Savings Fund
7,177.733
56.13
6.33 %
7.21 %
6.34 %
Low to Moderate
Nippon India Short Duration Fund
7,039.56
56.02
5.84 %
7.83 %
6.83 %
Moderate
JioBlackRock Liquid Fund
6,878.831
1066.84
6.43 %
0.00 %
0.00 %
NA
Nippon India Overnight Fund
6,784.829
145.88
5.35 %
6.18 %
5.66 %
Low
Kotak Nifty SDL Apr 2027 Top 12 Equal Weight Index Fund
6,653.49
13.06
5.93 %
7.44 %
0.00 %
Low to Moderate
Union Liquid Fund
6,649.972
2677.87
6.39 %
7.00 %
6.27 %
Low to Moderate
Nippon India Nivesh Lakshya Long Duration Fund
6,565.597
18.34
2.54 %
6.55 %
6.58 %
Moderate
SBI Medium Duration Fund
6,465.538
54.52
6.41 %
7.85 %
6.91 %
NA
Sundaram Liquid Fund
6,365.237
2453.79
6.46 %
7.03 %
6.29 %
Moderate
Kotak Overnight Fund
6,260.12
1449.00
5.35 %
6.17 %
5.65 %
Low
HSBC Money Market Fund
6,218.048
28.15
6.23 %
7.27 %
6.42 %
Low to Moderate
ICICI Prudential Credit Risk Fund
6,212.035
34.53
8.58 %
9.10 %
8.02 %
High
Bandhan Low Duration Fund
5,986.126
41.01
6.03 %
7.16 %
6.30 %
Low to Moderate
HSBC Corporate Bond Fund
5,864.249
77.42
5.28 %
7.39 %
6.36 %
Moderate
Invesco India Money Market Fund
5,833.659
3245.33
6.19 %
7.21 %
6.34 %
Low to Moderate
Aditya Birla Sun Life Short Term Fund
5,792.691
50.47
5.98 %
7.80 %
6.98 %
Moderate
Parag Parikh Liquid Fund
5,574.759
1543.12
6.29 %
6.71 %
5.97 %
Low to Moderate
ICICI Prudential Medium Term Bond Fund
5,492.186
48.30
7.68 %
8.52 %
7.52 %
NA
Bandhan CRISIL IBX Gilt June 2027 Index Fund
5,386.007
13.63
5.53 %
7.29 %
6.18 %
Low to Moderate
Nippon India Banking and PSU Fund
5,306.929
21.91
5.12 %
7.32 %
6.41 %
Moderate
Tata Ultra Short Term Fund
5,267.089
15.07
6.81 %
7.49 %
6.66 %
Moderate
HDFC Banking and PSU Debt Fund
5,254.952
24.31
5.24 %
7.37 %
6.42 %
Moderate
Canara Robeco Liquid Fund
5,182.446
3349.45
6.36 %
6.99 %
6.24 %
Low to Moderate
Kotak Banking and PSU Debt Fund
5,018.884
69.37
5.64 %
7.54 %
6.68 %
Moderate
Axis Ultra Short Duration Fund
4,948.689
15.64
6.59 %
7.43 %
6.66 %
Moderate
UTI Corporate Bond Fund
4,862.826
17.35
5.27 %
7.43 %
6.41 %
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
Axis Treasury Advantage Fund
4,649.754
3297.06
6.32 %
7.47 %
6.62 %
Low to Moderate
BHARAT Bond FOF - April 2031
4,645.035
14.31
4.99 %
7.51 %
6.61 %
Moderate
Invesco India Corporate Bond Fund
4,434.868
3356.93
5.14 %
7.46 %
6.30 %
Moderate
Bajaj Finserv Liquid Fund
4,351.901
1221.33
6.37 %
6.99 %
0.00 %
Low to Moderate
BHARAT Bond ETF FOF - April 2032
4,345.681
13.47
4.84 %
7.60 %
0.00 %
Moderate
UTI Overnight Fund
4,264.269
3700.82
5.34 %
6.16 %
5.64 %
Low
DSP Low Duration Fund
4,243.908
21.07
5.97 %
7.19 %
6.36 %
Low to Moderate
HSBC Short Duration Fund
4,210.355
28.02
5.39 %
7.42 %
6.24 %
Moderate
Bandhan Ultra Short Duration Fund
4,099.368
16.22
6.34 %
7.15 %
6.34 %
Low to Moderate
HSBC Banking and PSU Debt Fund
3,977.605
25.63
5.25 %
7.11 %
5.75 %
Moderate
SBI Banking and PSU Fund
3,976.201
3291.94
5.25 %
7.32 %
6.21 %
Moderate
Nippon India Dynamic Bond Fund
3,925.198
39.32
4.80 %
7.56 %
6.63 %
Moderate
Franklin India Money Market Fund
3,919.848
53.56
6.26 %
7.37 %
6.51 %
Low to Moderate
DSP Ultra Short Fund
3,904.576
3616.20
6.50 %
7.41 %
6.54 %
Moderate
Bajaj Finserv Money Market Fund
3,904.484
1219.40
6.30 %
0.00 %
0.00 %
Low to Moderate
Tata Overnight Fund
3,892.758
1431.70
5.37 %
6.19 %
5.66 %
Low
Mirae Asset Money Market Fund
3,814.411
1341.64
6.18 %
7.38 %
0.00 %
Low to Moderate
LIC MF Money Market Fund
3,806.474
1268.85
6.43 %
6.78 %
0.00 %
Low to Moderate
SBI Dynamic Bond Fund
3,751.538
37.45
5.33 %
7.50 %
6.92 %
Moderate
HSBC Overnight Fund
3,644.373
1418.67
5.34 %
6.17 %
5.65 %
Low
HDFC Medium Term Debt Fund
3,640.677
60.00
6.52 %
7.97 %
6.95 %
NA
Baroda BNP Paribas Money Market Fund
3,624.918
1470.65
6.29 %
7.21 %
6.32 %
Low to Moderate
HSBC Ultra Short Duration Fund
3,620.696
1443.90
6.32 %
7.21 %
6.41 %
Low to Moderate
DSP Short Term Fund
3,548.981
49.16
5.35 %
7.40 %
6.34 %
Moderate
Bandhan CRISIL IBX Gilt April 2028 Index Fund
3,435.68
13.73
5.55 %
7.43 %
6.34 %
Low to Moderate
DSP Banking & PSU Debt Fund
3,304.229
25.29
4.63 %
7.15 %
6.14 %
Moderate
Aditya Birla Sun Life Nifty SDL Apr 2027 Index Fund
3,280.423
13.05
5.78 %
7.30 %
0.00 %
Low
Kotak Nifty SDL Apr 2032 Top 12 Equal Weight Index Fund
3,250.695
13.41
4.70 %
7.59 %
0.00 %
Moderate
DSP Overnight Fund
3,222.179
1455.97
5.35 %
6.16 %
5.65 %
Low
Aditya Birla Sun Life Medium Term Fund
3,213.186
43.55
9.26 %
10.67 %
12.86 %
NA
JioBlackRock Money Market Fund
3,206.694
1064.60
6.21 %
0.00 %
0.00 %
NA
UTI Ultra Short Duration Fund
3,146.37
4502.86
6.46 %
7.32 %
7.07 %
Moderate
HDFC Long Duration Debt Fund
3,118.647
12.51
1.99 %
6.56 %
0.00 %
Moderate
Kotak Floating Rate Fund
3,101.999
1611.48
6.21 %
7.99 %
6.89 %
Moderate
Edelweiss Banking and PSU Debt Fund
3,094.826
25.86
4.30 %
7.03 %
6.26 %
Low to Moderate
Tata Corporate Bond Fund
2,948.458
13.03
5.13 %
7.47 %
0.00 %
Moderate
Nippon India Nifty AAA CPSE Bond Plus SDL - Apr 2027 Maturity 60:40 Index Fund
2,932.705
12.95
6.01 %
7.34 %
0.00 %
Low to Moderate
Tata Short Term Bond Fund
2,930.923
50.31
5.21 %
7.30 %
6.39 %
Low to Moderate
Franklin India Liquid Fund
2,915.467
4192.04
6.41 %
7.01 %
6.26 %
Low to Moderate
SBI CRISIL IBX Gilt Index - June 2036 Fund
2,668.857
13.44
4.36 %
7.72 %
0.00 %
Moderate
DSP Corporate Bond Fund
2,630.727
16.96
5.74 %
7.27 %
5.94 %
Low to Moderate
Aditya Birla Sun Life CRISIL-IBX Financial Services 3 to 6 Months Debt Index Fund
2,544.654
11.14
6.75 %
0.00 %
0.00 %
Low to Moderate
HDFC CRISIL-IBX Financial Services 3-6 Months Debt Index Fund
2,512.31
10.84
6.97 %
0.00 %
0.00 %
Low to Moderate
UTI Low Duration Fund
2,459.676
3784.12
6.15 %
7.27 %
7.49 %
Low to Moderate
Kotak Dynamic Bond Fund
2,383.297
39.49
5.53 %
7.97 %
6.92 %
NA
Edelweiss Money Market Fund
2,271.752
30.20
6.28 %
7.28 %
6.34 %
Low to Moderate
Kotak Gilt Investment Fund
2,257.152
97.38
1.94 %
6.21 %
6.04 %
Moderate
SBI Credit Risk Fund
2,174.859
49.19
7.76 %
8.49 %
7.74 %
High
Edelweiss NIFTY PSU Bond Plus SDL Apr 2027 50:50 Index Fund
2,163.431
13.17
5.80 %
7.35 %
0.00 %
Low to Moderate
BHARAT Bond ETF FOF - April 2033
2,152.709
13.16
5.10 %
7.67 %
0.00 %
Moderate
UTI Short Duration Fund
2,128.376
33.55
5.45 %
7.49 %
7.63 %
Moderate
Axis Strategic Bond Fund
2,119.952
29.97
6.83 %
8.43 %
7.51 %
NA
Mirae Asset Low Duration Fund
2,085.139
2398.91
6.34 %
7.48 %
6.54 %
Low to Moderate
HDFC Gilt Fund
2,069.772
57.40
3.33 %
6.88 %
5.94 %
Moderate
SBI Medium to Long Duration Fund
2,054.728
73.73
4.52 %
7.14 %
6.46 %
NA
Tata Treasury Advantage Fund
2,051.428
4185.10
6.22 %
7.32 %
6.43 %
Low to Moderate
ICICI Prudential Constant Maturity Gilt Fund
2,016.498
26.08
4.60 %
7.64 %
6.40 %
Moderate
Bandhan Dynamic Bond Fund
2,006.718
35.79
6.14 %
7.76 %
6.38 %
Moderate
ICICI Prudential Bond Fund
2,002.226
42.21
4.40 %
7.48 %
6.67 %
Moderate
Sundaram Ultra Short Duration Fund
1,971.83
2833.13
6.35 %
7.27 %
6.50 %
Low to Moderate
Axis CRISIL-IBX AAA Bond NBFC - Jun 2027 Index Fund
1,957.229
11.38
6.30 %
0.00 %
0.00 %
Moderate
SBI CRISIL IBX Gilt Index - April 2029 Fund
1,921.471
13.24
5.25 %
7.66 %
0.00 %
Low to Moderate
Axis CRISIL IBX SDL May 2027 Index Fund
1,915.771
13.07
5.97 %
7.52 %
0.00 %
Low to Moderate
Bandhan Gilt Fund
1,892.401
37.57
6.93 %
8.21 %
6.69 %
Moderate
LIC MF Banking & PSU Fund
1,865.897
36.73
5.12 %
7.37 %
6.29 %
Moderate
Kotak Bond Fund
1,806.599
79.93
4.47 %
7.38 %
6.58 %
Moderate
Kotak Medium Term Fund
1,795.717
24.40
7.61 %
9.02 %
7.64 %
NA
Aditya Birla Sun Life Income Fund
1,786.741
129.97
3.46 %
6.52 %
5.94 %
Moderate
HSBC CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund
1,776.057
13.18
5.34 %
7.46 %
0.00 %
Low to Moderate
JM Liquid Fund
1,759.182
75.84
6.26 %
6.90 %
6.20 %
Low to Moderate
LIC MF Low Duration Fund
1,705.739
42.01
6.30 %
7.35 %
6.43 %
Low to Moderate
SBI Constant Maturity 10-Year Gilt Fund
1,666.347
66.68
4.02 %
7.30 %
6.32 %
Moderate
Invesco India Low Duration Fund
1,663.034
4021.61
6.01 %
7.21 %
6.31 %
Low to Moderate
DSP Nifty SDL Plus G-Sec Jun 2028 30:70 Index Fund
1,660.42
13.21
5.46 %
7.49 %
0.00 %
Low to Moderate
Nippon India Gilt Fund
1,592.163
39.15
-0.10 %
5.53 %
4.71 %
Moderate
Nippon India Gilt Fund
1,592.163
39.15
3.19 %
6.70 %
6.07 %
Moderate
UTI Floater Fund
1,557.346
1588.93
6.02 %
7.18 %
6.34 %
Low to Moderate
SBI CRISIL IBX SDL Index - September 2027 Fund
1,531.163
13.10
5.74 %
7.46 %
0.00 %
Low to Moderate
Aditya Birla Sun Life Dynamic Bond Fund
1,494.6
48.90
5.41 %
7.82 %
7.44 %
NA
SBI Long Duration Fund
1,490.013
12.63
2.31 %
6.57 %
0.00 %
Moderate
Nippon India Credit Risk Fund
1,486.263
37.77
7.82 %
8.97 %
7.97 %
NA
Mirae Asset Ultra Short Duration Fund
1,467.053
1396.73
6.56 %
7.43 %
6.58 %
Low to Moderate
Aditya Birla Sun Life Credit Risk Fund
1,461.387
25.19
12.84 %
13.12 %
10.91 %
NA
Aditya Birla Sun Life Government Securities Fund
1,376.12
82.24
1.68 %
6.16 %
5.72 %
Moderate
Franklin India Corporate Debt Fund
1,361.891
105.93
6.06 %
8.06 %
6.77 %
Moderate
Aditya Birla Sun Life CRISIL IBX 60:40 SDL+AAA PSU-Apr 2027 Index Fund
1,361.414
12.97
5.94 %
7.31 %
0.00 %
Low to Moderate
Bank of India Liquid Fund
1,339.276
3207.45
6.36 %
6.99 %
6.27 %
Low to Moderate
ICICI Prudential Nifty SDL Sep 2027 Index Fund
1,332.737
13.10
5.77 %
7.51 %
0.00 %
Low to Moderate
Bandhan Medium Duration Fund
1,319.825
48.31
5.60 %
7.48 %
6.11 %
Moderate
DSP Gilt Fund
1,269.928
99.00
3.43 %
7.13 %
6.43 %
Moderate
Bandhan Overnight Fund
1,260.158
1446.63
5.34 %
6.16 %
5.64 %
Low
Quant Liquid Fund
1,254.811
43.77
6.03 %
6.80 %
6.20 %
Low to Moderate
Sundaram Money Market Fund
1,240.161
16.00
6.22 %
7.24 %
6.39 %
Low to Moderate
360 ONE Liquid Fund
1,153.178
2137.30
6.15 %
6.78 %
6.06 %
Low to Moderate
Mirae Asset Overnight Fund
1,129.644
1393.78
5.35 %
6.18 %
5.67 %
Low
Aditya Birla Sun Life CRISIL-IBX Financial Services 9-12 Months Debt Index Fund
1,123.133
10.91
6.14 %
0.00 %
0.00 %
Low to Moderate
Canara Robeco Savings Fund
1,100.669
44.87
6.12 %
7.25 %
6.34 %
Low to Moderate
UTI Banking & PSU Fund
1,100.578
23.30
5.71 %
7.29 %
7.63 %
Low to Moderate
Mahindra Manulife Liquid Fund
1,019.021
1811.14
6.37 %
7.00 %
6.28 %
Moderate
Axis Dynamic Bond Fund
1,014.983
31.47
5.86 %
7.60 %
6.52 %
Moderate
Invesco India Ultra Short Duration Fund
1,002.207
2870.03
6.53 %
7.33 %
6.50 %
Low to Moderate
Union Money Market Fund
977.357
1309.13
6.47 %
7.18 %
0.00 %
Low to Moderate
HDFC Nifty G-sec Dec 2026 Index
940.132
12.87
5.57 %
7.07 %
0.00 %
Low
LIC MF Overnight Fund
940.131
1405.80
5.34 %
6.16 %
5.65 %
Low
Motilal Oswal Liquid Fund
929.677
14.65
6.03 %
6.60 %
5.87 %
Low to Moderate
Tata GSF
919.793
80.36
2.78 %
6.93 %
6.37 %
Moderate
HSBC Low Duration Fund
914.892
30.52
6.27 %
7.95 %
6.86 %
Low to Moderate
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL April 2037 Index Fund
904.261
13.38
3.69 %
7.51 %
0.00 %
Moderate
ICICI Prudential Long Term Bond Fund
860.463
92.32
2.34 %
6.88 %
5.95 %
Moderate
Sundaram Overnight Fund
853.632
1441.94
5.30 %
6.14 %
5.62 %
Low to Moderate
HDFC CRISIL-IBX Financial Services 9-12 Months Debt Index Fund
848.637
10.24
0.00 %
0.00 %
0.00 %
Low to Moderate
HDFC NIFTY G-Sec Jun 2036 Index Fund
843.799
13.09
4.41 %
7.81 %
0.00 %
Moderate
HDFC Income Fund
833.201
60.62
4.13 %
7.04 %
6.12 %
Moderate
ICICI Prudential Nifty SDL Dec 2028 Index Fund
828.626
13.28
4.83 %
7.60 %
0.00 %
Low to Moderate
ICICI Prudential Nifty G-Sec Dec 2030 Index Fund
818.649
13.32
5.01 %
7.71 %
0.00 %
Moderate
Franklin India Overnight Fund
799.242
1421.61
5.39 %
6.15 %
5.61 %
Low
Tata CRISIL-IBX Gilt Index - April 2026 Index Fund
793.342
12.56
6.68 %
6.84 %
0.00 %
Low
Baroda BNP Paribas Overnight Fund
775.998
1429.57
5.36 %
6.17 %
5.65 %
Low
Kotak Credit Risk Fund
767.897
31.68
7.86 %
8.60 %
6.86 %
High
TRUSTMF Liquid Fund
756.379
1350.70
6.30 %
6.92 %
6.20 %
Low to Moderate
Nippon India Nifty G-Sec Jun 2036 Maturity Index Fund
753.374
13.17
4.33 %
7.80 %
0.00 %
Moderate
PGIM India Liquid Fund
748.228
362.35
6.40 %
7.01 %
6.28 %
Low to Moderate
Invesco India Short Duration Fund
742.069
3763.45
5.45 %
7.46 %
6.31 %
Moderate
SBI Fixed Maturity Plan - Series 66 (1361 Days)
717.615
12.87
6.03 %
7.02 %
0.00 %
Low
HSBC Medium Duration Fund
693.49
21.66
5.91 %
7.96 %
6.94 %
NA
Baroda BNP Paribas Gilt Fund
692.051
44.03
2.55 %
6.81 %
6.08 %
Moderate
JioBlackRock Low Duration Fund
691.45
1032.00
0.00 %
0.00 %
0.00 %
NA
Kotak CRISIL-IBX Financial Services 9 to 12 Months Debt Index Fund
689.726
10.49
0.00 %
0.00 %
0.00 %
Low to Moderate
Bajaj Finserv Overnight Fund
680.419
1198.01
5.39 %
6.18 %
0.00 %
Low
SBI Floating Rate Debt Fund
674.771
14.23
6.44 %
7.87 %
6.80 %
Moderate
DSP Strategic Bond Fund
673.869
3459.75
2.93 %
6.85 %
6.26 %
Moderate
Tata Nifty SDL Plus AAA PSU Bond Dec 2027 60:40 Index Fund
644.962
13.13
5.53 %
7.41 %
0.00 %
Low to Moderate
WhiteOak Capital Liquid Fund
640.008
1495.40
6.25 %
6.87 %
6.05 %
Low to Moderate
JioBlackRock Overnight Fund
634.655
1032.49
5.34 %
0.00 %
0.00 %
Low
HDFC Nifty G-Sec July 2031 Index
633.055
13.29
5.11 %
7.88 %
0.00 %
Moderate
Sundaram Corporate Bond Fund
628.24
42.35
4.89 %
7.18 %
6.11 %
Moderate
SBI Fixed Maturity Plan - Series 67 (1467 Days)
626.931
13.07
5.56 %
7.08 %
0.00 %
Low
HDFC Nifty G-Sec Sep 2032 Index
626.466
13.17
4.81 %
7.82 %
0.00 %
Moderate
Aditya Birla Sun Life CRISIL IBX Gilt -Apr 2029 Index Fund
624.388
13.33
5.27 %
7.69 %
0.00 %
Low to Moderate
Baroda BNP Paribas Ultra Short Duration Fund
622.556
1645.22
6.39 %
7.24 %
6.53 %
Low to Moderate
Franklin India Banking & PSU Debt Fund
583.951
23.92
6.18 %
7.54 %
6.45 %
Low to Moderate
360 ONE Dynamic Bond Fund
582.797
24.14
6.14 %
8.27 %
7.18 %
NA
HDFC Nifty G-Sec Jun 2027 Index
582.55
12.86
5.51 %
7.29 %
0.00 %
Low to Moderate
360 ONE Overnight Fund
579.101
1054.38
5.40 %
0.00 %
0.00 %
Low to Moderate
Invesco India Overnight Fund
572.32
1376.57
5.34 %
6.16 %
5.64 %
Low
The Wealth Company Liquid Fund
564.123
1049.07
0.00 %
0.00 %
0.00 %
Low to Moderate
Mahindra Manulife Low Duration Fund
561.32
1735.08
6.44 %
7.53 %
6.61 %
Moderate
SBI CRISIL-IBX Financial Services 3-6 Months Debt Index Fund
555.092
10.16
0.00 %
0.00 %
0.00 %
Low to Moderate
Edelweiss Low Duration Fund
554.579
1083.41
6.13 %
0.00 %
0.00 %
Low to Moderate
Union Overnight Fund
550.41
1429.07
5.34 %
6.16 %
5.64 %
Low
Mirae Asset Short Duration Fund
543.012
16.56
5.34 %
7.52 %
6.50 %
Moderate
WhiteOak Capital Ultra Short Duration Fund
534.561
1443.71
6.16 %
7.01 %
6.33 %
Low to Moderate
HDFC Dynamic Debt Fund
531.599
93.07
4.00 %
7.07 %
6.10 %
Moderate
Quantum Liquid Fund
531.31
37.09
5.82 %
6.57 %
5.92 %
Low
Kotak Nifty SDL Plus AAA PSU Bond Jul 2028 60:40 Index Fund
523.543
13.11
5.24 %
7.43 %
0.00 %
Low to Moderate
Bajaj Finserv Low Duration Fund
517.164
1023.56
0.00 %
0.00 %
0.00 %
Low to Moderate
HDFC FMP 1861D March 2022
504.604
13.18
5.99 %
7.53 %
0.00 %
Low to Moderate
SBI Fixed Maturity Plan - Series 42 (1857 Days)
503.83
13.47
5.90 %
7.01 %
6.21 %
Low
Canara Robeco Ultra Short Term Fund
502.742
4031.11
6.30 %
7.03 %
6.18 %
Low to Moderate
ICICI Prudential CRISIL-IBX Financial Services 3-6 Months Debt Index Fund
501.711
10.95
6.78 %
0.00 %
0.00 %
Low to Moderate
ICICI Prudential Fixed Maturity Plan - Series 85 10 Years Plan I
492.372
17.77
5.35 %
7.74 %
7.06 %
Low to Moderate
Kotak CRISIL IBX AAA Financial Services Index - Sep 2027 Fund
489.918
11.44
6.05 %
0.00 %
0.00 %
Low to Moderate
Kotak FMP Series 292 - 1735 Days
484.804
13.12
6.01 %
7.14 %
0.00 %
Low
Mirae Asset Nifty SDL Jun 2027 Index Fund
474.871
13.08
5.91 %
7.50 %
0.00 %
Low to Moderate
HSBC Credit Risk Fund
470.014
34.26
6.28 %
11.82 %
9.49 %
NA
Nippon India CRISIL-IBX Financial Services 9-12 Months Debt Index Fund
460.604
10.25
0.00 %
0.00 %
0.00 %
Low to Moderate
LIC MF Ultra Short Duration Fund
440.96
1401.36
6.50 %
7.15 %
6.38 %
Low to Moderate
SBI Fixed Maturity Plan - Series 81 (1157 Days)
437.635
12.43
5.80 %
7.04 %
0.00 %
Low
Bandhan Medium to Long Duration Fund
430.946
67.91
5.39 %
6.65 %
5.47 %
Moderate
Axis Gilt Fund
430.698
26.73
4.35 %
7.53 %
6.48 %
Moderate
Bandhan Crisil IBX Gilt April 2032 Index Fund
428.207
13.02
4.99 %
7.87 %
0.00 %
Moderate
UTI Gilt Fund
423.445
65.77
4.32 %
6.97 %
6.09 %
Moderate
SBI Fixed Maturity Plan - Series 49 (1823 Days)
421.111
13.35
5.74 %
7.22 %
0.00 %
Low
UTI Dynamic Bond Fund
420.941
32.36
4.52 %
7.48 %
9.65 %
Low to Moderate
Franklin India Low Duration Fund
418.48
10.97
6.52 %
0.00 %
0.00 %
Moderate
Bank of India Money Market Fund
417.458
10.99
6.39 %
0.00 %
0.00 %
Low to Moderate
SBI Fixed Maturity Plan - Series 44 (1855 Days)
412.303
13.46
5.59 %
7.10 %
6.17 %
Low
Aditya Birla Sun Life CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund
406.349
13.21
5.23 %
7.47 %
0.00 %
Low to Moderate
Bandhan CRISIL IBX 90:10 SDL Plus Gilt- April 2032 Index Fund
400.661
13.15
4.89 %
7.72 %
0.00 %
Moderate
Axis Fixed Maturity Plan - Series 129 (108 Days)
385.447
10.20
0.00 %
0.00 %
0.00 %
Low to Moderate
Sundaram Low Duration Fund
385.219
3660.47
6.04 %
7.34 %
8.11 %
Low to Moderate
Bandhan CRISIL-IBX Financial Services 3-6 Months Debt Index Fund
382.498
10.88
6.70 %
0.00 %
0.00 %
Low to Moderate
Motilal Oswal Ultra Short Term Fund
377.536
17.38
6.16 %
6.48 %
5.68 %
Low to Moderate
Bandhan Fixed Term Plan Series 179
372.833
17.76
5.40 %
7.81 %
7.10 %
Low to Moderate
Nippon India Nifty AAA PSU Bond Plus SDL - Sep 2026 Maturity 50:50 Index Fund
371.274
12.91
5.98 %
7.16 %
0.00 %
Low
Bajaj Finserv Banking and PSU Fund
368.547
11.99
4.83 %
0.00 %
0.00 %
Moderate
Nippon India CRISIL-IBX Financial Services 3-6 Months Debt Index Fund
363.496
10.27
0.00 %
0.00 %
0.00 %
Low to Moderate
SBI Fixed Maturity Plan - Series 61 (1927 Days)
362.044
13.18
5.83 %
7.46 %
0.00 %
Low to Moderate
Axis Credit Risk Fund
361.56
23.19
8.45 %
8.78 %
7.72 %
High
Nippon India Medium to Long Duration Fund
361.197
93.20
4.36 %
7.01 %
6.56 %
Moderate
Nippon India Nifty G-Sec Sep 2027 Maturity Index Fund
357.482
12.80
5.50 %
7.29 %
0.00 %
Low to Moderate
SBI Fixed Maturity Plan - Series 72 (1239 Days)
355.565
12.58
6.13 %
7.12 %
0.00 %
Low
HDFC FMP 1359D September 2022
348.22
12.88
5.58 %
7.01 %
0.00 %
Low
UTI Fixed Term Income Fund - Series XXXV - I (1260 Days)
343.077
12.57
5.97 %
7.03 %
0.00 %
Low
Kotak CRISIL-IBX Financial Services 3-6 Months Debt Index Fund
341.203
10.94
6.61 %
0.00 %
0.00 %
Low to Moderate
Union Corporate Bond Fund
340.333
16.07
4.60 %
7.19 %
5.98 %
Moderate
Aditya Birla Sun Life Fixed Term Plan - Series TI (1837 Days)
336.499
13.50
5.69 %
7.23 %
6.34 %
Low
Axis CRISIL IBX 50:50 Gilt Plus SDL Jun 2028 Index Fund
334.456
12.81
5.26 %
7.49 %
0.00 %
Low to Moderate
SBI Fixed Maturity Plan - Series 53 (1839 Days)
332.417
13.23
5.80 %
7.30 %
0.00 %
Low
Nippon India Nifty SDL Plus G-Sec - Jun 2028 Maturity 70:30 Index Fund
331.838
12.98
5.32 %
7.51 %
0.00 %
Low to Moderate
DSP Floater Fund
329.459
14.03
5.91 %
8.08 %
6.87 %
Moderate
Union Low Duration Fund
324.147
10.51
0.00 %
0.00 %
0.00 %
Low to Moderate
SBI Fixed Maturity Plan - Series 51 (1846 Days)
321.172
13.22
5.78 %
7.26 %
0.00 %
Low
Franklin India Ultra Short Duration Fund
315.784
11.31
6.42 %
0.00 %
0.00 %
Low to Moderate
Bandhan Crisil IBX Gilt April 2026 Index Fund
315.578
12.66
5.82 %
6.82 %
0.00 %
Low
Nippon India Nifty SDL Plus G-Sec - Jun 2029 Maturity 70:30 Index Fund
312.028
12.87
5.24 %
7.63 %
0.00 %
Low to Moderate
UTI Medium to Long Duration Fund
303.949
76.06
3.54 %
6.48 %
8.72 %
NA
Canara Robeco Overnight Fund
303.648
1409.82
5.28 %
6.08 %
5.58 %
Low
Bandhan Gilt Fund with 10 year Constant Duration Fund
295.678
48.43
5.09 %
7.91 %
6.33 %
Moderate
Canara Robeco Short Duration Fund
291.123
26.75
5.33 %
7.09 %
6.05 %
Low to Moderate
Baroda BNP Paribas Corporate Bond Fund
286.224
29.26
5.83 %
7.79 %
6.25 %
Moderate
DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund
285.607
12.99
4.64 %
7.64 %
0.00 %
Moderate
Sundaram Banking & PSU Fund
280.438
45.49
5.07 %
7.16 %
6.00 %
Moderate
Groww Liquid Fund
279.275
2691.16
6.38 %
7.00 %
6.14 %
Low to Moderate
Franklin India Floating Rate Fund
278.832
43.43
6.38 %
8.32 %
7.21 %
Moderate
SBI Fixed Maturity Plan - Series 57 (1835 Days)
276.668
13.10
5.78 %
7.34 %
0.00 %
Low
DSP Credit Risk Fund
275.312
54.84
10.86 %
16.86 %
13.25 %
NA
Baroda BNP Paribas Low Duration Fund
274.029
42.50
6.32 %
7.43 %
6.52 %
Low to Moderate
SBI Fixed Maturity Plan - Series 55 (1849 Days)
273.21
13.18
5.77 %
7.30 %
0.00 %
Low
HDFC FMP 1406D August 2022
271.444
12.86
5.68 %
7.17 %
0.00 %
Low
Bank of India Short Term Income Fund
270.706
28.22
5.48 %
7.66 %
10.77 %
Low to Moderate
SBI Fixed Maturity Plan - Series 58 (1842 Days)
270.503
13.22
5.83 %
7.34 %
0.00 %
Low to Moderate
UTI CRISIL SDL Maturity April 2033 Index Fund
269.813
12.94
4.33 %
7.42 %
0.00 %
Moderate
SBI Fixed Maturity Plan - Series 60 (1878 Days)
267.069
13.14
5.94 %
7.46 %
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
259.856
30.83
5.27 %
7.53 %
6.56 %
Moderate
UTI Credit Risk Fund
254.235
18.17
6.52 %
7.82 %
10.20 %
NA
DSP Bond Fund
253.788
86.48
5.23 %
7.48 %
6.41 %
Moderate
Axis Fixed Maturity Plan - Series 130 (92 Days)
246.209
10.18
0.00 %
0.00 %
0.00 %
Low to Moderate
Nippon India Fixed Maturity Plan XLIII - Series 1
241.998
13.25
5.66 %
7.20 %
0.00 %
Low
SBI Fixed Maturity Plan - Series 45 (1840 Days)
241.65
13.44
5.55 %
7.08 %
6.21 %
Low
Axis CRISIL-IBX Financial Services 3-6 Months Debt Index Fund
241.193
10.54
0.00 %
0.00 %
0.00 %
Low to Moderate
Aditya Birla Sun Life Fixed Term Plan - Series TQ (1879 Days)
235.503
13.16
5.84 %
7.46 %
0.00 %
Low to Moderate
SBI CRISIL-IBX Financial Services 9-12 Months Debt Index Fund
232.488
10.15
0.00 %
0.00 %
0.00 %
Low to Moderate
Bandhan Credit Risk Fund
230.854
17.27
5.72 %
7.33 %
6.47 %
NA
Helios Overnight Fund
224.861
1171.19
5.18 %
0.00 %
0.00 %
Low
ICICI Prudential Nifty SDL Sep 2026 Index Fund
224.455
12.73
5.69 %
7.15 %
0.00 %
Low
Bandhan Floater Fund
221.478
13.75
6.50 %
7.93 %
6.77 %
Moderate
Kotak Nifty AAA Bond Financial Services Mar 2028 Index Fund
219.018
10.57
5.75 %
0.00 %
0.00 %
Low to Moderate
JM Low Duration Fund
218.879
39.36
6.16 %
7.28 %
6.39 %
Low to Moderate
Axis Long Duration Fund
213.447
1252.60
1.95 %
6.42 %
0.00 %
Moderate
SBI Fixed Maturity Plan - Series 73 (1226 Days)
212.519
12.56
6.07 %
7.09 %
0.00 %
Low
Mirae Asset CRISIL IBX Gilt Index - April 2033 Index Fund
209.213
13.34
4.54 %
7.66 %
0.00 %
Moderate
SBI Fixed Maturity Plan - Series 68 (1302 Days)
203.928
12.72
5.94 %
6.92 %
0.00 %
Low
Mahindra Manulife Ultra Short Duration Fund
196.28
1464.90
6.47 %
7.30 %
6.49 %
Low to Moderate
UTI Fixed Term Income Fund - Series XXXV - II (1223 Days)
191.244
12.43
6.12 %
7.11 %
0.00 %
Low
Nippon India Fixed Maturity Plan XLIII - Series 5
188.631
13.37
5.17 %
7.69 %
0.00 %
Low to Moderate
Canara Robeco Banking and PSU Debt Fund
186.86
12.71
5.07 %
6.83 %
0.00 %
Moderate
Sundaram Short Duration Fund
184.089
46.82
5.52 %
7.51 %
8.03 %
Low to Moderate
Kotak Nifty SDL Jul 2033 Index Fund
183.834
12.87
4.38 %
7.38 %
0.00 %
Moderate
HDFC Nifty SDL Oct 2026 Index Fund
182.212
12.70
5.72 %
7.17 %
0.00 %
Low
HSBC CRISIL IBX Gilt June 2027 Index Fund
181.829
12.59
5.54 %
7.30 %
0.00 %
Low to Moderate
Baroda BNP Paribas Credit Risk Fund
177.423
23.67
6.89 %
8.34 %
9.31 %
NA
LIC MF Medium to Long Duration Fund
176.673
75.62
4.50 %
7.54 %
6.41 %
Moderate
SBI Fixed Maturity Plan - Series 76 (1221 Days)
175.596
12.52
5.55 %
6.83 %
0.00 %
Low
Shriram Liquid Fund
169.472
1108.24
6.21 %
0.00 %
0.00 %
Low to Moderate
HDFC FMP 2638D February 2023
169.371
13.10
4.95 %
7.95 %
0.00 %
Moderate
HSBC Gilt Fund
168.233
66.99
2.12 %
6.35 %
5.61 %
Moderate
SBI Fixed Maturity Plan - Series 74 (1243 Days)
167.956
12.62
5.66 %
7.01 %
0.00 %
Low
PGIM India Ultra Short Duration Fund
165.56
36.07
6.13 %
7.07 %
6.35 %
Low to Moderate
Invesco India Medium Duration Fund
165.278
1298.79
5.01 %
7.33 %
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
Invesco India Credit Risk Fund
163.4
2072.31
7.95 %
9.69 %
8.48 %
Moderate
HDFC Nifty G-Sec Apr 2029 Index Fund
156.464
12.93
5.28 %
7.68 %
0.00 %
Low to Moderate
ITI Ultra Short Term Fund
152.843
1309.52
6.34 %
7.09 %
6.28 %
Low to Moderate
Nippon India Medium Duration Fund
150.358
16.78
6.19 %
8.47 %
6.95 %
NA
Franklin India Government Securities Fund
149.5
61.28
4.52 %
6.52 %
5.67 %
Moderate
Bank of India Ultra Short Duration Fund
147.878
3357.32
6.30 %
6.88 %
6.11 %
Low to Moderate
SBI Fixed Maturity Plan - Series 52 (1848 Days)
147.379
13.20
5.79 %
7.25 %
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
TRUSTMF Money Market Fund
144.64
1297.72
6.19 %
7.13 %
0.00 %
Low to Moderate
Aditya Birla Sun Life CRISIL IBX SDL Jun 2032 Index Fund
144.456
12.91
4.70 %
7.64 %
0.00 %
Moderate
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Short Duration Index Fund
144.384
12.67
5.40 %
7.41 %
0.00 %
Moderate
Edelweiss Overnight Fund
143.18
1409.07
5.31 %
6.11 %
5.59 %
Low
Bandhan CRISIL IBX 90:10 SDL Plus Gilt-September 2027 Index Fund
142.543
12.95
5.83 %
7.53 %
0.00 %
Low to Moderate
Bandhan US Treasury Bond 0-1 year Specific Debt Passive FoF
142.104
13.46
16.23 %
10.11 %
0.00 %
Very High
SBI Fixed Maturity Plan - Series 46 (1850 Days)
140.979
13.46
5.51 %
7.01 %
6.19 %
Low
ICICI Prudential Fixed Maturity Plan - Series 88 1226 Days Plan F
140.592
12.51
6.10 %
7.13 %
0.00 %
Low
Invesco India Gilt Fund
138.873
2920.55
3.17 %
7.08 %
6.18 %
Moderate
Aditya Birla Sun Life US Treasury 3-10 Year Bonds ETFs Passive FoF
137.743
13.18
15.19 %
0.00 %
0.00 %
Very High
Edelweiss Government Securities Fund
137.175
25.08
2.30 %
6.57 %
6.02 %
Moderate
Kotak FMP Series 310 - 1131 Days
136.882
12.29
5.91 %
6.98 %
0.00 %
Low
Tata Nifty G-Sec Dec 2029 Index Fund
135.105
12.90
5.18 %
7.71 %
0.00 %
Low to Moderate
DSP FMP Series 268 - 1127 Days
133.582
12.71
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
Axis Floater Fund
132.697
1391.48
6.41 %
8.38 %
0.00 %
NA
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Sep 2028 Index Fund
132.222
13.10
5.19 %
7.54 %
0.00 %
Low to Moderate
PGIM India Money Market Fund
131.908
1412.65
6.13 %
7.17 %
6.50 %
Low to Moderate
SBI Fixed Maturity Plan - Series 50 (1843 Days)
130.762
13.21
5.74 %
7.23 %
0.00 %
Low
TRUSTMF Banking & PSU Fund
130.715
1308.45
6.72 %
6.98 %
5.64 %
Moderate
Axis Nifty AAA Bond Plus SDL Apr 2026 50:50 ETF FoF
128.688
12.83
6.39 %
7.06 %
0.00 %
Low
LIC MF Short Duration Fund
128.617
15.37
5.59 %
7.63 %
6.45 %
Moderate
Nippon India Nifty G-Sec Oct 2028 Maturity Index Fund
126.774
12.86
5.41 %
7.53 %
0.00 %
Low to Moderate
Shriram Money Market Fund
126.184
1030.16
0.00 %
0.00 %
0.00 %
Low to Moderate
Canara Robeco Gilt Fund
123.623
76.83
2.13 %
6.20 %
5.64 %
Moderate
HSBC Dynamic Bond Fund
123.341
30.73
3.59 %
7.02 %
5.93 %
Moderate
Kotak FMP Series 304 - 3119 Days
122.585
13.28
4.87 %
8.14 %
0.00 %
Moderate
Nippon India Fixed Maturity Plan XLV - Series 4
121.016
12.30
6.16 %
7.16 %
0.00 %
Low
Baroda BNP Paribas Dynamic Bond Fund
118.396
46.53
2.24 %
6.40 %
6.21 %
Moderate
Nippon India CRISIL IBX AAA Financial Services - Dec 2026 Index Fund
116.95
11.31
6.45 %
0.00 %
0.00 %
Low to Moderate
Mirae Asset Dynamic Bond Fund
116.864
17.05
5.74 %
7.28 %
6.01 %
Low to Moderate
Tata Floating Rate Fund
116.768
13.57
5.99 %
7.61 %
6.73 %
Low to Moderate
Aditya Birla Sun Life CRISIL-IBX AAA NBFC-HFC Index-Sep 2026 Fund
116.044
11.35
6.71 %
0.00 %
0.00 %
Low to Moderate
UTI Gilt Fund with 10 year Constant Duration
113.911
13.15
3.88 %
7.29 %
0.00 %
Moderate
TRUSTMF Corporate Bond Fund
113.487
1251.92
4.77 %
6.93 %
0.00 %
Moderate
Canara Robeco Income Fund
112.561
56.99
3.69 %
6.49 %
5.67 %
Moderate
Aditya Birla Sun Life Long Duration Fund
108.077
13.14
2.72 %
6.99 %
0.00 %
Moderate
Canara Robeco Corporate Bond Fund
107.842
22.76
4.82 %
6.87 %
5.94 %
Low to Moderate
Kotak CRISIL-IBX AAA Bond Financial Services Index - Dec 2026 Fund
107.599
11.05
6.30 %
0.00 %
0.00 %
Low to Moderate
Edelweiss CRISIL IBX AAA Financial Services Bond - Jan 2028 Index Fund
107.072
11.24
6.02 %
0.00 %
0.00 %
Low to Moderate
ICICI Prudential Diversified Debt Strategy Active FoF
105.174
47.69
5.52 %
7.53 %
6.68 %
NA
Mirae Asset CRISIL-IBX Financial Services 9-12 Months Debt Index Fund
105.078
10.64
6.11 %
0.00 %
0.00 %
Low to Moderate
Kotak FMP Series 308 - 1125 Days
103.029
12.54
7.08 %
7.94 %
0.00 %
Moderate
Axis Fixed Term Plan Series 113 (1228 Days)
102.539
12.58
6.24 %
7.23 %
0.00 %
Low to Moderate
Union Short Duration Fund
100.474
10.95
5.13 %
0.00 %
0.00 %
Moderate
Invesco India Banking and PSU Fund
96.666
2390.75
5.15 %
7.32 %
5.89 %
Moderate
Kotak Nifty SDL Jul 2026 Index Fund
95.755
12.69
5.63 %
7.07 %
0.00 %
Low
Groww Overnight Fund
95.368
1399.21
5.24 %
6.09 %
5.51 %
Low
Groww Short Term Fund
95.17
2197.19
5.49 %
7.49 %
6.26 %
Moderate
PGIM India Gilt Fund
93.252
30.79
2.10 %
6.65 %
5.98 %
Moderate
Edelweiss CRISIL IBX 50:50 Gilt Plus SDL June 2027 Index Fund
93.111
13.04
5.67 %
7.34 %
0.00 %
Low to Moderate
JioBlackRock Short Duration Fund
92.815
1032.21
0.00 %
0.00 %
0.00 %
NA
Baroda BNP Paribas Nifty SDL December 2026 Index Fund
89.992
12.67
5.70 %
7.29 %
0.00 %
Low
Bandhan CRISIL IBX 90:10 SDL Plus Gilt- November 2026 Index Fund
89.882
12.85
5.83 %
7.28 %
0.00 %
Low
Union Gilt Fund
88.613
12.31
0.83 %
5.60 %
0.00 %
Moderate
DSP Nifty SDL Plus G-Sec Sep 2027 50:50 Index Fund
87.685
12.81
5.64 %
7.40 %
0.00 %
Low to Moderate
Quantum Dynamic Term Fund
86.94
22.34
3.91 %
7.33 %
6.63 %
Moderate
Bank of India Credit Risk Fund
86.742
14.30
17.40 %
10.01 %
27.73 %
NA
SBI Fixed Maturity Plan - Series 79 (1130 Days)
86.741
12.39
6.08 %
7.01 %
0.00 %
Low
PGIM India Corporate Bond Fund
86.418
45.36
5.07 %
7.34 %
6.46 %
Moderate
Canara Robeco Dynamic Bond Fund
84.786
29.76
2.07 %
5.94 %
5.51 %
Low to Moderate
HDFC FMP 1269D March 2023
84.205
12.50
5.65 %
7.20 %
0.00 %
Low
Mahindra Manulife Short Duration Fund
83.872
13.50
6.26 %
7.90 %
6.76 %
Moderate
Axis Fixed Term Plan Series 112 (1143 Days)
82.955
12.45
6.04 %
7.11 %
0.00 %
Low
PGIM India Dynamic Bond Fund
82.935
2705.21
3.45 %
7.30 %
6.43 %
Moderate
Edelweiss CRISIL-IBX AAA Bond NBFC-HFC - Jun 2027 Index Fund
82.424
11.08
6.39 %
0.00 %
0.00 %
Low to Moderate
JM Overnight Fund
81.413
1378.92
5.18 %
6.06 %
5.58 %
Low
Nippon India CRISIL IBX AAA Financial Services - Jan 2028 Index Fund
80.916
11.31
5.92 %
0.00 %
0.00 %
Low to Moderate
Invesco India Nifty G-sec Jul 2027 Index Fund
80.609
1263.64
5.56 %
7.32 %
0.00 %
Low to Moderate
Nippon India Fixed Maturity Plan XLIV - Series 1
80.244
13.22
5.88 %
7.60 %
0.00 %
Low to Moderate
JM Short Duration Fund
80.07
12.66
5.24 %
7.21 %
0.00 %
Low to Moderate
Mirae Asset Nifty SDL June 2028 Index Fund
80.01
12.63
5.19 %
7.59 %
0.00 %
Low to Moderate
Quant Gilt Fund
79.803
12.14
3.13 %
6.25 %
0.00 %
Moderate
Aditya Birla Sun Life Fixed Term Plan - Series UJ (1110 Days)
79.523
12.32
6.18 %
7.03 %
0.00 %
Low
PGIM India Overnight Fund
78.9
1403.07
5.23 %
6.11 %
5.62 %
Low
Navi Liquid Fund
74.707
30.09
5.76 %
6.47 %
6.00 %
Low to Moderate
Tata Nifty G-Sec Dec 2026 Index Fund
73.429
12.62
5.63 %
7.13 %
0.00 %
Low
Aditya Birla Sun Life US Treasury 1-3 Year Bonds ETFs Passive FoF
71.678
12.95
15.32 %
0.00 %
0.00 %
Very High
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
Nippon India Fixed Maturity Plan XLI - Series 8
69.763
17.35
5.39 %
7.79 %
7.07 %
Low to Moderate
Union Dynamic Bond Fund
69.505
23.64
1.18 %
5.57 %
4.76 %
Moderate
ICICI Prudential Fixed Maturity Plan - Series 88 1303 Days Plan S
68.777
12.63
5.85 %
7.28 %
0.00 %
Low
DSP US Specific Debt Passive FoF
68.747
12.71
16.15 %
0.00 %
0.00 %
Very High
Kotak Long Duration Fund
67.837
11.25
1.80 %
0.00 %
0.00 %
Moderate
UTI Long Duration Fund
67.287
12.01
1.40 %
5.96 %
0.00 %
Moderate
Axis Nifty SDL September 2026 Debt Index Fund
65.59
12.87
5.78 %
7.20 %
0.00 %
Low
TRUSTMF Fixed Maturity Plan - Series II (1196 Days)
65.557
1294.26
6.80 %
8.36 %
0.00 %
Moderate
UTI CRISIL SDL Maturity June 2027 Index Fund
65.167
12.79
5.94 %
7.48 %
0.00 %
Low to Moderate
UTI Fixed Term Income Fund - Series XXXVI - I (1574 Days)
64.391
12.78
5.77 %
7.59 %
0.00 %
Low to Moderate
Mahindra Manulife Overnight Fund
62.45
1405.63
5.32 %
6.15 %
5.65 %
Low
Zerodha Overnight Fund
59.826
10.70
5.20 %
0.00 %
0.00 %
NA
Motilal Oswal 5 Year G-Sec FoF
59.698
13.21
4.76 %
7.36 %
0.00 %
Moderate
Nippon India Fixed Maturity Plan XLV - Series 5
59.468
13.10
7.87 %
8.72 %
0.00 %
NA
TRUSTMF Short Duration Fund
56.505
1318.21
5.15 %
7.17 %
0.00 %
Low to Moderate
Mahindra Manulife Dynamic Bond Fund
56.301
14.98
5.27 %
7.69 %
6.22 %
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
Quant Overnight Fund
55.494
12.45
5.15 %
6.26 %
0.00 %
Low
Bandhan Long Duration Fund
55.321
11.40
3.22 %
0.00 %
0.00 %
Moderate
DSP FMP Series 264 - 60M - 17D
54.638
13.24
5.85 %
7.30 %
0.00 %
Low
JM Dynamic Bond Fund
53.424
43.19
3.58 %
6.88 %
6.18 %
Moderate
SBI Fixed Maturity Plan - Series 1 (3668 Days)
52.023
17.48
5.40 %
7.79 %
7.08 %
Low to Moderate
ITI Liquid Fund
50.299
1446.07
6.19 %
6.75 %
6.02 %
Low to Moderate
TRUSTMF Overnight Fund
49.628
1289.78
5.22 %
6.10 %
0.00 %
Low
HSBC Medium to Long Duration Fund
49.315
43.74
3.37 %
6.70 %
5.63 %
Moderate
Invesco India Nifty G-sec Sep 2032 Index Fund
48.995
1290.91
4.90 %
7.86 %
0.00 %
Moderate
HDFC NIFTY SDL Plus G-Sec Jun 2027 40:60 Index Fund
48.374
12.65
5.67 %
7.34 %
0.00 %
Low to Moderate
SBI CRISIL-IBX 10:90 Gilt + SDL - Dec 2029 Index Fund
47.578
10.24
0.00 %
0.00 %
0.00 %
Low to Moderate
Groww Money Market Fund
47.514
10.34
0.00 %
0.00 %
0.00 %
Low to Moderate
DSP FMP Series 267 - 1172 Days
47.216
12.95
6.45 %
7.31 %
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
45.942
34.92
1.59 %
5.82 %
5.17 %
Moderate
LIC MF Gilt Fund
45.942
60.46
-1.86 %
4.71 %
4.03 %
Moderate
Mirae Asset Corporate Bond Fund
44.609
13.45
5.00 %
7.21 %
6.12 %
Moderate
Franklin India Medium to Long Duration Fund
44.261
11.18
4.68 %
0.00 %
0.00 %
Moderate
DSP 10Y G-Sec Fund
43.525
22.53
2.56 %
6.67 %
5.22 %
Moderate
Bank of India Overnight Fund
42.874
1387.21
5.58 %
6.30 %
5.77 %
Low
Shriram Overnight Fund
41.143
1258.79
5.32 %
6.10 %
0.00 %
Low
SBI Fixed Maturity Plan - Series 54 (1842 Days)
40.495
13.21
5.78 %
7.31 %
0.00 %
Low
Mirae Asset Banking and PSU Fund
40.405
13.60
4.64 %
7.03 %
6.03 %
Moderate
Aditya Birla Sun Life Nifty SDL Sep 2027 Index Fund
40.116
12.78
5.73 %
7.48 %
0.00 %
Low to Moderate
Franklin India Long Duration Fund
39.195
10.81
3.93 %
0.00 %
0.00 %
Moderate
Axis US Specific Treasury Dynamic Debt Passive FoF
38.946
12.41
15.94 %
0.00 %
0.00 %
Very High
UTI Medium Duration Fund
38.088
19.16
4.99 %
7.11 %
6.83 %
Moderate
Groww Dynamic Term Fund
37.898
1492.80
2.42 %
5.77 %
5.28 %
Moderate
SBI Fixed Maturity Plan - Series 6 (3668 Days)
37.578
16.92
5.24 %
7.69 %
6.94 %
Low to Moderate
Kotak FMP Series 305 - 1200 Days
36.688
12.47
5.80 %
6.87 %
0.00 %
Low
Axis CRISIL IBX 50:50 Gilt Plus SDL September 2027 Index Fund
35.964
12.78
5.65 %
7.37 %
0.00 %
Low to Moderate
Groww Gilt Fund
35.483
9.89
0.68 %
0.00 %
0.00 %
Moderate
HDFC FMP 1876D March 2022
35.273
13.14
5.94 %
7.52 %
0.00 %
Low to Moderate
Sundaram Medium Duration Fund
34.695
71.61
3.95 %
6.15 %
5.12 %
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
ITI Banking & PSU Debt Fund
33.508
13.70
5.08 %
7.15 %
6.39 %
Low to Moderate
UTI Nifty SDL Plus AAA PSU Bond Apr 2028 75:25 Index Fund
33.085
12.79
5.27 %
7.46 %
0.00 %
Low to Moderate
UTI Nifty SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund
32.892
12.43
6.08 %
7.06 %
0.00 %
Low
JioBlackRock Nifty 8-13 yr G-Sec Index Fund
30.938
10.43
0.00 %
0.00 %
0.00 %
NA
Baroda BNP Paribas NIFTY SDL December 2028 Index Fund
30.526
12.75
4.78 %
7.55 %
0.00 %
Low to Moderate
JM Medium to Long Duration Fund
30.13
64.50
3.43 %
6.84 %
5.70 %
Moderate
SBI Fixed Maturity Plan - Series 59 (1618 Days)
29.858
12.95
5.33 %
6.92 %
0.00 %
Low
SBI Fixed Maturity Plan - Series 34 (3682 Days)
29.77
14.65
4.98 %
7.67 %
6.93 %
Moderate
ITI Dynamic Term Fund
27.998
12.83
2.68 %
6.71 %
6.22 %
Low to Moderate
Aditya Birla Sun Life Fixed Term Plan - Series TJ (1838 Days)
27.743
13.55
5.79 %
7.25 %
0.00 %
Low
Aditya Birla Sun Life CRISIL IBX Gilt April 2033 Index Fund
27.366
12.17
5.05 %
0.00 %
0.00 %
Moderate
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
25.771
12.71
6.43 %
7.30 %
0.00 %
Low to Moderate
Bajaj Finserv Gilt Fund
25.562
1063.88
2.92 %
0.00 %
0.00 %
Moderate
Samco Overnight Fund
23.603
1238.16
5.08 %
5.95 %
0.00 %
Low
Mirae Asset Long Duration Fund
22.288
10.51
1.60 %
0.00 %
0.00 %
Moderate
PGIM India CRISIL IBX Gilt Index - Apr 2028 Fund
21.714
12.75
5.22 %
7.21 %
0.00 %
Low to Moderate
Kotak Nifty G-Sec July 2033 Index Fund
21.547
12.42
4.87 %
0.00 %
0.00 %
Moderate
Aditya Birla Sun Life CRISIL IBX Gilt Apr 2028 Index Fund
21.184
12.53
5.23 %
7.07 %
0.00 %
Low to Moderate
ITI Overnight Fund
20.773
1373.74
5.10 %
5.93 %
5.46 %
Low
SBI Nifty G-Sec Jul 2031 Index Fund
19.113
10.28
0.00 %
0.00 %
0.00 %
Moderate
Zerodha Nifty Short Duration G-Sec Index Fund
16.231
1023.76
0.00 %
0.00 %
0.00 %
NA
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan
14.168
13.61
4.07 %
6.10 %
5.29 %
Moderate
Axis CRISIL-IBX AAA Bond NBFC-HFC - Jun 2027 Index Fund
12.848
11.20
6.16 %
0.00 %
0.00 %
Low to Moderate
Aditya Birla Sun Life CRISIL IBX Gilt June 2027 Index Fund
12.689
11.55
5.39 %
0.00 %
0.00 %
Low to Moderate
Aditya Birla Sun Life CRISIL-IBX AAA Financial Services Index-Sep 2027 Fund
10.133
11.27
6.16 %
0.00 %
0.00 %
Low to Moderate
Axis CRISIL-IBX AAA Bond Financial Services - Sep 2027 Index Fund
8.278
11.25
5.88 %
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
0.395
10.93
4.58 %
0.00 %
0.00 %
Moderate
SBI CRISIL - IBX SDL - June 2034 Index Fund
-
10.00
0.00 %
0.00 %
0.00 %
Moderate
DSP Credit Risk Fund
275.312
54.84
10.86 %
16.86 %
13.25 %
NA
Aditya Birla Sun Life Credit Risk Fund
1,461.387
25.19
12.84 %
13.12 %
10.91 %
NA
HSBC Credit Risk Fund
470.014
34.26
6.28 %
11.82 %
9.49 %
NA
Aditya Birla Sun Life Medium Term Fund
3,213.186
43.55
9.26 %
10.67 %
12.86 %
NA
Bank of India Credit Risk Fund
86.742
14.30
17.40 %
10.01 %
27.73 %
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.