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*₹10 lakh projection assumes ₹100/day for 11 years at an assumed 15% p.a.; actual returns will vary with the market.
Open-ended mutual fund schemes that predominantly invest in fixed-income debt securities are known as debt funds. The underlying assets comprises treasury bills, government bonds, certificate of deposits, debentures, corporate bonds and various other money-market instruments.
Also Check: Monthly SIP Calculator Online
Here is a list of top 5 Debt Funds you can invest in 2020 to generate quality returns:
| Fund Name | AUM (cr.) | 3 Year Returns | Link |
|---|---|---|---|
| Nippon India Gilt Securities Fund | ₹ 1,250 | 9.69% | Invest Now |
| SBI Magnum Medium Duration Fund | ₹ 3,192 | 9.13% | Invest Now |
| Kotak Credit Risk Fund | ₹ 2,662 | 6.96% | Invest Now |
| ICICI Prudential Ultra Short Term Fund | ₹ 5,426 | 7.98% | Invest Now |
| Franklin India Liquid Fund | ₹ 3,582 | 6.99% | Invest Now |
{Note: Funds have been ranked on the basis of 5 year returns}
{Data as on May 12, 2020; Source: Value Research}
Also Check: Online Daily SIP Calculator
The fund primarily invests in debt securities issued by the Central and State governments to generate optimal risk-free returns.
| Returns | 1 - Year Returns | 3 - Year Returns | 5 - Year Returns |
|---|---|---|---|
| Fund | 9.69% | 10.17% | 9.52% |
| Benchmark | 9.79% | 9.77% | 9.08% |
{Data as on May 12, 2020; Source: Value Research}
It is a debt fund that predominantly invests in debt securities to generate decent returns in the medium term investment horizon, coupled with a moderate level of liquidity. The average maturity period of the fund is 3-4 years.
| Returns | 1 - Year Returns | 3 - Year Returns | 5 - Year Returns |
|---|---|---|---|
| Fund | 9.13% | 10.09% | 10.13% |
| Benchmark | 7.13% | 7.35% | 7.42% |
{Data as on May 12, 2020; Source: Value Research}
An open-ended debt scheme that majorly invests in debt and money market instruments to deliver significant returns by taking a little high credit risk.
| Returns | 1 - Year Returns | 3 - Year Returns | 5 - Year Returns |
|---|---|---|---|
| Fund | 6.96% | 8.61% | 8.77% |
| Benchmark | 4.22% | 4.44% | 4.75% |
{Data as on May 12, 2020; Source: Value Research}
It is an open-ended debt scheme that predominantly invests in instruments with the maturity period ranging from 3 months to 6 months. The scheme has limited, if not zero, allocation to government securities so as to reduce interest rate volatility which might affect the fund returns.
| Returns | 1 - Year Returns | 3 - Year Returns | 5 - Year Returns |
|---|---|---|---|
| Fund | 7.98% | 8.97% | 8.89% |
| Benchmark | 4.22% | 4.44% | 4.75% |
{Data as on May 12, 2020; Source: Value Research}
It is a debt fund that primarily invests in debt instruments with a maximum maturity of 90 days, with the objective of generating optimal returns coupled with high liquidity..
| Returns | 1 - Year Returns | 3 - Year Returns | 5 - Year Returns |
|---|---|---|---|
| Fund | 6.99% | 7.30% | 7.88% |
| Benchmark | 4.22% | 4.44% | 4.75% |
{Data as on May 12, 2020; Source: Value Research}
There are two ways through which a person can invest in Debt Funds:
You can invest in Debt Funds online seamlessly through online platforms (such as Paisabazaar.com) or directly through the websites of the Asset Management Companies (AMCs), offering the fund.
This conventional mode of investment requires an investor to fill a form and submit it at the nearby branch of the fund house, or invest through a broker.
Calculate your SIP returns with our SIP calculator.
Calculate wealth gained through daily SIP investments over time.
Calculate maturity value and interest earned on your FD investment.
Calculate returns on Post Office Fixed Deposit schemes.
Here is a list of best short term debt funds you can consider investing - ICICI Prudential, Savings Fund, IDFC Bond Short Term Fund, Axis Short Term Fund, Kotak Low, Duration Fund, HDFC Short Term Debt Fund.
Yes. Debt Funds are one of the safest investment avenues as they’ve historically delivered fixed returns, without putting the invested capital at high risk.
Generally, returns from debt funds are always positive. However, when the interest rate rises, long term debt may deliver negative returns as the value of underlying bonds purchased at low interest rate falls in the secondary market when the interest rate rises.
Here is a list of type of debt funds offered to investors, as categorised by SEBI - Overnight Fund, Liquid Fund, Ultra Short Duration Fund, Low Duration Fund, Money Market Fund, Short Duration, Fund, Medium Duration Fund, Medium to Long Duration Fund, Long Duration Fund, Dynamic Bond Fund, Credit Risk Fund, Banking and PSU Fund, Gilt Fund, Gilt Fund With 10 Year Constant, duration, Floater Fund
Debt funds fare better than Bank Fixed Deposits on two fronts, first, unlike FDs, debt funds don’t have any lock-in period. Second, as per the past trends, debt funds have delivered better returns than fixed deposits.
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Showing 10 of 1355 funds
Current Nav
₹452.07
AUM (in Cr.)
₹17,188.24
52 Weeks High
₹485.33
1Y Return
▲ 16.95%3Y Return
▲ 21.14%5Y Return
▲ 16.68%
Current Nav
₹190.86
AUM (in Cr.)
₹15,905.31
52 Weeks High
₹202.50
1Y Return
▲ 8.86%3Y Return
▲ 21.26%5Y Return
▲ 17.75%
Current Nav
₹51.19
AUM (in Cr.)
₹34,176.02
52 Weeks High
₹52.52
1Y Return
▲ 11.56%3Y Return
▲ 22.52%5Y Return
▲ 17.94%Current Nav
₹105.88
AUM (in Cr.)
₹12,387.43
52 Weeks High
₹112.06
1Y Return
▲ 7.68%3Y Return
▲ 20.56%5Y Return
▲ 15.20%Current Nav
₹46.99
AUM (in Cr.)
₹15,744.40
52 Weeks High
₹48.83
1Y Return
▲ 16.32%3Y Return
▲ 20.93%5Y Return
▲ 18.27%
Current Nav
₹103.50
AUM (in Cr.)
₹19,924.32
52 Weeks High
₹111.41
1Y Return
▲ 5.97%3Y Return
▲ 17.99%5Y Return
▲ 16.36%
Current Nav
₹36.15
AUM (in Cr.)
₹20,159.10
52 Weeks High
₹38.00
1Y Return
▲ 7.12%3Y Return
▲ 19.77%5Y Return
▲ 16.91%Current Nav
₹98.86
AUM (in Cr.)
₹42,851.59
52 Weeks High
₹106.81
1Y Return
▼ -0.17%3Y Return
▲ 16.54%5Y Return
▲ 19.14%
Current Nav
₹229.47
AUM (in Cr.)
₹21,658.64
52 Weeks High
₹234.33
1Y Return
▲ 18.31%3Y Return
▲ 16.48%5Y Return
▲ 16.73%Current Nav
₹61.42
AUM (in Cr.)
₹14,159.98
52 Weeks High
₹65.07
1Y Return
▲ 2.33%3Y Return
▲ 16.65%5Y Return
▲ 11.41%