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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: 489
  • 💰 Total AUM: 19,37,317 Cr

Best performing Debt Mutual Funds

NameAUM (Cr)Exp Ratio (%)1Y Return3Y CAGR5Y CAGR
Bank of India Credit Risk Fund86.741.1817.55%10.04%27.77%
IL&FS Infra Debt Fund - Series 2-A232.59—10.44%32.95%21.09%
IL&FS Infra Debt Fund - Series 2-B395.38—7.93%25.76%18.22%
IL&FS Infra Debt Fund - Series 2-C313.69—8.14%22.53%16.78%
DSP Credit Risk Fund275.310.4011.04%16.89%13.29%
Aditya Birla SL Medium Term Plan3,213.190.839.26%10.73%12.85%
Aditya Birla SL Credit Risk Fund1,461.390.7912.83%13.17%10.94%
Bank of India Short Term Income Fund270.710.545.54%7.75%10.81%
UTI Credit Risk Fund254.231.046.68%7.87%10.25%
UTI Dynamic Bond Fund420.940.884.79%7.48%9.67%

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Overview of Debt Mutual Funds

Bank of India Credit Risk Fund
  • AUM
    ₹ 86.74 Cr.
  • Expense Ratio
    1.18%
  • 5Y CAGR
    27.77%
Performance
The fund's annualised performance has been 3.47% since inception.
Risk
The fund has been categorised as Moderately High by SEBI and has a standard deviation of 7.47% vs its category average of 1.99%.
Composition
Corporate Debt makes up for the majority of the fund at 66.6% along with the largest allocation towards Miscellaneous at 28.24%.
IL&FS Infra Debt Fund - Series 2-A
  • AUM
    ₹ 232.59 Cr.
  • Expense Ratio
    0%
  • 5Y CAGR
    21.09%
Performance
The fund's annualised performance has been 14.45% 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 51.77% along with the largest allocation towards Miscellaneous at 51.58%.
IL&FS Infra Debt Fund - Series 2-B
  • AUM
    ₹ 395.38 Cr.
  • Expense Ratio
    0%
  • 5Y CAGR
    18.22%
Performance
The fund's annualised performance has been 15.52% 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 71.16% along with the largest allocation towards Miscellaneous at 70.87%.
IL&FS Infra Debt Fund - Series 2-C
  • AUM
    ₹ 313.69 Cr.
  • Expense Ratio
    0%
  • 5Y CAGR
    16.78%
Performance
The fund's annualised performance has been 14.58% 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 52.87% along with the largest allocation towards Miscellaneous at 46.97%.
DSP Credit Risk Fund
  • AUM
    ₹ 275.31 Cr.
  • Expense Ratio
    0.4%
  • 5Y CAGR
    13.29%
Performance
The fund's annualised performance has been 9.24% since inception.
Risk
The fund has been categorised as Moderately High by SEBI and has a standard deviation of 6.24% vs its category average of 1.99%.
Composition
Corporate Debt makes up for the majority of the fund at 70.09% along with the largest allocation towards G-Sec at 14.86%.
Aditya Birla SL Medium Term Plan
  • AUM
    ₹ 3,213.19 Cr.
  • Expense Ratio
    0.83%
  • 5Y CAGR
    12.85%
Performance
The fund's annualised performance has been 9.78% since inception.
Risk
The fund has been categorised as Moderately High by SEBI and has a standard deviation of 2.29% vs its category average of 1.6%.
Composition
Corporate Debt makes up for the majority of the fund at 72.6% along with the largest allocation towards G-Sec at 19.13%.
Aditya Birla SL Credit Risk Fund
  • AUM
    ₹ 1,461.39 Cr.
  • Expense Ratio
    0.79%
  • 5Y CAGR
    10.94%
Performance
The fund's annualised performance has been 9.51% since inception.
Risk
The fund has been categorised as Moderately High by SEBI and has a standard deviation of 3.61% vs its category average of 1.99%.
Composition
Corporate Debt makes up for the majority of the fund at 73.39% along with the largest allocation towards Others at 21.46%.
Bank of India Short Term Income Fund
  • AUM
    ₹ 270.71 Cr.
  • Expense Ratio
    0.54%
  • 5Y CAGR
    10.81%
Performance
The fund's annualised performance has been 6.87% since inception.
Risk
The fund has been categorised as Moderately Low by SEBI and has a standard deviation of 1.11% vs its category average of 1.14%.
Composition
Corporate Debt makes up for the majority of the fund at 42.47% along with the largest allocation towards Public Banks at 35.3%.
UTI Credit Risk Fund
  • AUM
    ₹ 254.23 Cr.
  • Expense Ratio
    1.04%
  • 5Y CAGR
    10.25%
Performance
The fund's annualised performance has been 5.42% since inception.
Risk
The fund has been categorised as Moderately High by SEBI and has a standard deviation of 1% vs its category average of 1.99%.
Composition
Corporate Debt makes up for the majority of the fund at 65.29% along with the largest allocation towards Others at 25.04%.
UTI Dynamic Bond Fund
  • AUM
    ₹ 420.94 Cr.
  • Expense Ratio
    0.88%
  • 5Y CAGR
    9.67%
Performance
The fund's annualised performance has been 7.98% since inception.
Risk
The fund has been categorised as Moderately Low by SEBI and has a standard deviation of 1.7% vs its category average of 2.34%.
Composition
Corporate Debt makes up for the majority of the fund at 50.05% along with the largest allocation towards G-Sec at 14.58%.

Top 3 Sub-Categories in Debt Mutual Funds

Credit Risk Fund
5Y CAGR of Top Fund
27.77%
Sectoral Fund - Infrastructure (Debt)
5Y CAGR of Top Fund
21.09%
Medium Duration Fund
5Y CAGR of Top Fund
12.85%
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.