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Overview
The All Debt Mutual Funds page helps investors compare fixed-income categories based on duration, credit quality, issuer type, and investment strategy.
Debt funds should not be selected simply by choosing the scheme with the highest yield.
A higher yield can come with higher interest-rate, credit, or liquidity risk.
Explained
The debt categories include:
These categories can have very different risk characteristics.
Explained
Debt categories are generally differentiated by one or more factors.
Duration-based funds maintain portfolio interest-rate exposure within specified ranges.
Corporate Bond and Credit Risk strategies differ significantly in the credit profiles they target.
Floating Rate Funds maintain significant exposure to instruments whose rates can reset.
Debt Index Funds follow passive benchmarks, while Dynamic Bond Funds actively change duration.
Suitability
Debt Funds may suit investors who:
The category should be matched with when the money is likely to be needed.
Advantages
Investors can distinguish short cash-management funds from higher-duration strategies.
Credit quality can differ sharply between debt categories.
Duration comparison can help investors avoid taking more rate risk than intended.
Government, corporate, banking, and PSU debt strategies have different issuer profiles.
Before you invest
This is an important starting point for understanding portfolio duration.
Modified duration helps indicate sensitivity to changes in yields.
Do not select a debt fund based on YTM without examining credit quality.
Debt securities can become difficult to trade during stressed markets.
Where applicable, review the debt scheme's disclosed risk characteristics.
Costs can be particularly important when expected fixed-income returns are modest.
Taxation
Debt-oriented schemes investing more than the applicable threshold in debt and money-market securities can fall within Section 50AA.
For relevant units, gains can be deemed short-term capital gains irrespective of actual holding period and taxed at the investor's applicable rate.
Investors should verify acquisition date and the specific scheme's tax classification before redemption.
Step by step
Good to know
The appropriate choice depends on the exact horizon and liquidity need. Overnight, Liquid, and other short-duration categories have different maturity and risk characteristics.
Not necessarily. Higher yield can signal additional credit, duration, or liquidity risk.
Yes.
They have very low conventional sovereign credit risk but can carry substantial interest-rate risk.
Duration is an important measure of a bond portfolio's cash-flow timing and interest-rate sensitivity.
Yes. Debt-oriented schemes can be subject to different capital-gains provisions, including Section 50AA where applicable.
Recap
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FUND
DSP Credit Risk Fund Direct Plan GrowthDebt Credit Risk₹60.81
0.08%
11.1%
16.76%
13.33%
Aditya Birla Sun Life Credit Risk Fund Direct Plan GrowthDebt Credit Risk₹28.11
0.1%12.55%
13.07%
10.86%
Nippon India Short Term Fund Direct Plan Payout Inc Dist cum Cap WdrlDebt Short Duration₹24.99
0.13%8.63%
11.77%
10.4%
HSBC Credit Risk Fund Direct Plan GrowthDebt Credit Risk₹37.77
0.06%6.55%
11.72%
9.43%
Bank of India Credit Risk Fund Direct GrowthDebt Credit Risk₹14.89
0%17.89%
10.09%
27.78%
LIC MF Medium to Long Duration Fund-Direct Plan Quarterly Payout Inc Dist cum Cap WdrlDebt Medium to Long Duration₹18.75
0.15%7.09%
10.08%
3.58%
IDBI Credit Risk Fund. Direct Plan GrowthDebt Credit Risk₹17.55
0.01%7.09%
10.08%
3.83%
Invesco India Credit Risk Fund Direct GrowthDebt Credit Risk₹2348.66
0.14%7.92%
9.54%
8.37%
I
ICICI Prudential Credit Risk Fund Direct Plan GrowthDebt Credit Risk₹38.67
0.09%8.22%
9.05%
7.99%
Kotak Medium Term Direct GrowthDebt Medium Duration₹27.55
0.1%7.51%
9.05%
7.42%
DSP Credit Risk Fund Direct Plan Payout of Income Dist cum Cap WdrlDebt Credit Risk₹12.75
0.08%11.1%
14.75%
11.93%
Aditya Birla Sun Life Credit Risk Fund Direct Plan Payout Inc Dist cum Cap WdrlDebt Credit Risk₹14.71
0.1%12.15%
11.42%
9.58%
Nippon India Short Term Fund Direct Plan Reinvestment Inc Dist cum Cap WdrlDebt Short Duration₹24.99
0.13%8.63%
11.77%
10.4%
HSBC Credit Risk Fund Direct Plan Reinvestment of Income Dis cum Cap wdrlDebt Credit Risk₹12.31
0.06%6.5%
11.29%
9.06%
Axis Credit Risk Fund Direct GrowthDebt Credit Risk₹26.42
0.09%8.45%
8.77%
7.65%
LIC MF Medium to Long Duration Fund-Direct Plan Quarterly Reinvestment Inc Dist cum Cap WdrlDebt Medium to Long Duration₹18.75
0.15%7.09%
10.08%
3.58%
SBI Credit Risk Fund Direct Plan Daily Reinvestment Inc Dist cum Cap WdrlDebt Credit Risk₹17.18
0.12%8.29%
8.59%
7.71%
Invesco India Credit Risk Fund Direct Discretionary Reinvestment of Income Distr cum Capital WtdrwlDebt Credit Risk₹2366.19
0.14%7.92%
9.54%
8.37%
PGIM India Low Duration Fund Direct Plan Income MonthlyDebt Low Duration₹13.72
0%7.1%
8.55%
6.19%
Kotak Medium Term Direct Standard Reinvestment of Income Dis cum Cap wdrlDebt Medium Duration₹27.55
0.1%7.51%
9.05%
7.42%
Showing 1–20 of 1351
