Debt Mutual Funds

A debt fund is a mutual fund scheme that invests in fixed income instruments, such as Corporate and Government Bonds, corporate debt securities, and money market instruments etc. that offer capital appreciation. Debt funds are also referred to as Income Funds or Bond Funds.

⏱ Horizon: Medium
🔢 Total funds: 523
💰 Total AUM: 19,66,299 Cr

Best performing Debt Mutual Funds

Name	AUM (Cr)	Exp Ratio (%)	1Y Return	3Y CAGR	5Y CAGR
Bank of India Credit Risk Fund	107.00	0.98	6.48%	6.13%	27.14%
IL&FS Infra Debt Fund - Series 2-B	364.10	—	8.29%	27.19%	17.11%
IL&FS Infra Debt Fund - Series 2-C	288.20	—	8.70%	23.51%	15.93%
IL&FS Infra Debt Fund - Series 2-A	210.66	—	7.32%	35.07%	15.28%
Aditya Birla SL Medium Term Plan	2,626.53	0.84	14.72%	15.71%	13.03%
DSP Credit Risk Fund	208.95	0.40	23.95%	15.67%	12.40%
Baroda BNP Paribas Credit Risk Fund	189.68	0.85	9.96%	8.80%	10.93%
Bank of India Short Term Income Fund	164.77	0.45	10.78%	10.41%	10.58%
Aditya Birla SL Credit Risk Fund	1,004.46	0.67	17.83%	12.30%	10.36%
UTI Credit Risk Fund	282.43	1.00	9.52%	8.17%	10.13%

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Overview of Debt Mutual Funds

Bank of India Credit Risk Fund

AUM
₹ 107.00 Cr.
Expense Ratio
0.98%
5Y CAGR
27.14%

Performance

The fund's annualised performance has been 2.19% since inception.

Risk

The fund has been categorised as High by SEBI and has a standard deviation of 0.56% vs its category average of 3.75%.

Composition

Corporate Debt makes up for the majority of the fund at 70.5% along with the largest allocation towards Miscellaneous at 10.56%.

IL&FS Infra Debt Fund - Series 2-B

AUM
₹ 364.10 Cr.
Expense Ratio
0%
5Y CAGR
17.11%

Performance

The fund's annualised performance has been 17.1% since inception.

Risk

The fund has been categorised as High by SEBI and has a standard deviation of 0% vs its category average of 0%.

Composition

Corporate Debt makes up for the majority of the fund at 77.54% along with the largest allocation towards Power Generation at 57.22%.

IL&FS Infra Debt Fund - Series 2-C

AUM
₹ 288.20 Cr.
Expense Ratio
0%
5Y CAGR
15.93%

Performance

The fund's annualised performance has been 15.92% since inception.

Risk

The fund has been categorised as High by SEBI and has a standard deviation of 0% vs its category average of 0%.

Composition

Corporate Debt makes up for the majority of the fund at 93.37% along with the largest allocation towards Power Generation at 65.88%.

IL&FS Infra Debt Fund - Series 2-A

AUM
₹ 210.66 Cr.
Expense Ratio
0%
5Y CAGR
15.28%

Performance

The fund's annualised performance has been 15.27% since inception.

Risk

The fund has been categorised as High by SEBI and has a standard deviation of 0% vs its category average of 0%.

Composition

Cash & Equivalents makes up for the majority of the fund at 53.96% along with the largest allocation towards Miscellaneous at 53.77%.

Aditya Birla SL Medium Term Plan

AUM
₹ 2,626.53 Cr.
Expense Ratio
0.84%
5Y CAGR
13.03%

Performance

The fund's annualised performance has been 9.84% since inception.

Risk

The fund has been categorised as Moderately High by SEBI and has a standard deviation of 3.07% vs its category average of 1.66%.

Composition

Corporate Debt makes up for the majority of the fund at 65.44% along with the largest allocation towards G-Sec at 25.82%.

DSP Credit Risk Fund

AUM
₹ 208.95 Cr.
Expense Ratio
0.4%
5Y CAGR
12.4%

Performance

The fund's annualised performance has been 9.13% since inception.

Risk

The fund has been categorised as Moderately High by SEBI and has a standard deviation of 8.82% vs its category average of 3.75%.

Composition

Corporate Debt makes up for the majority of the fund at 65.4% along with the largest allocation towards G-Sec at 20.04%.

Baroda BNP Paribas Credit Risk Fund

AUM
₹ 189.68 Cr.
Expense Ratio
0.85%
5Y CAGR
10.93%

Performance

The fund's annualised performance has been 8.95% since inception.

Risk

The fund has been categorised as Moderately High by SEBI and has a standard deviation of 0.82% vs its category average of 3.75%.

Composition

Corporate Debt makes up for the majority of the fund at 73.67% along with the largest allocation towards Home Financing at 16.07%.

Bank of India Short Term Income Fund

AUM
₹ 164.77 Cr.
Expense Ratio
0.45%
5Y CAGR
10.58%

Performance

The fund's annualised performance has been 6.99% since inception.

Risk

The fund has been categorised as Moderate by SEBI and has a standard deviation of 2.1% vs its category average of 1.11%.

Composition

Corporate Debt makes up for the majority of the fund at 46.7% along with the largest allocation towards Public Banks at 32.6%.

Aditya Birla SL Credit Risk Fund

AUM
₹ 1,004.46 Cr.
Expense Ratio
0.67%
5Y CAGR
10.36%

Performance

The fund's annualised performance has been 9.19% since inception.

Risk

The fund has been categorised as High by SEBI and has a standard deviation of 4.59% vs its category average of 3.75%.

Composition

Corporate Debt makes up for the majority of the fund at 73.51% along with the largest allocation towards Others at 15.96%.

UTI Credit Risk Fund

AUM
₹ 282.43 Cr.
Expense Ratio
1%
5Y CAGR
10.13%

Performance

The fund's annualised performance has been 5.32% since inception.

Risk

The fund has been categorised as Moderately High by SEBI and has a standard deviation of 0.86% vs its category average of 3.75%.

Composition

Corporate Debt makes up for the majority of the fund at 65.12% along with the largest allocation towards G-Sec at 18.22%.

Top 3 Sub-Categories in Debt Mutual Funds

Credit Risk Fund

5Y CAGR of Top Fund

27.14%

Sectoral Fund - Infrastructure (Debt)

This compilation has been made as and by way of an update from the publicly available sources of information.This compilation is provided for information purposes only and is not intended to be relied upon by any party as the basis of any decision.

While every effort has been made to take due care in publishing this compilation and to avoid errors or omissions, this compilation is published with a condition and understanding that the Anchorage Technologies Private Limited (ATPL) shall not be responsible for any damages, compensation or loss or action taken or abstained to be taken on the basis of this article/commentary to any person whomsoever.

Investing in Mutual Funds,Stocks/ETFs (Exchange Traded Funds) and securities are subject to market risk. Please read all the related documents carefully before investing. Investors should consider all risk factors and consult their financial advisor before investing. Representations are not indicative of future results.